How it works
When a user taps the Google Pay payment button, they see a payment sheet. It displays the payment methods they've saved to their Google Account and optional fields such as a shipping address. Users can then select a payment method quickly and provide a shipping address if required, or they can add new information.
Notice: For further information about the button solution for Google Pay, please see https://support.computop.com/hc/en-gb/articles/4559076653970-Apple-Pay-und-Google-Pay-button-solution-PaySSL-aspx?source=search.
In-app payment
The Google Pay API enables fast, simple checkout within your app, giving you convenient access to hundreds of millions of cards saved to Google Accounts worldwide.
These above screens represent a recommended Google Pay buy flow for a shopping cart experience.
These guidelines will help you implement Google Pay within your apps: https://developers.google.com/pay/api/android/guides/brand-guidelines.
Web payment
The Google Pay API enables fast, simple checkout on your website. This provides convenient access to hundreds of millions of cards that are saved to Google Accounts worldwide.
The above screens represent a recommended Google Pay buy flow for a shopping cart experience.
These guidelines will help you reference the Google Pay brand within your websites: https://developers.google.com/pay/api/web/guides/brand-guidelines.
Step by Step Set-Up Guide
Once you have decided to support Google Pay, there is a set of steps that need to be done. This guide is applicable for both, in-app and also web payments.
1. Verify if your Acquirer supports Google Pay, for the card networks supported and support for Android device tokens.
This information will be provided by Computop support team: helpdesk@computop.com.by
support team: Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording
.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Helpdesk-Name PageWithExcerpt Wording
2. If you already do not have one, request creation of Computop of
Merchant ID, unique identifier that represents a merchant in Computop Paygate in Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording
platform. You need to use Computop use Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording
Merchant ID also in Google Pay API.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording
Please contact Computop support team: helpdesk@computop.comcontact
support team: Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording
.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Helpdesk-Name PageWithExcerpt Wording
3. Integrate Google Pay API: https://developers.google.com/pay/api/.
Apps: https://developers.google.com/pay/api/android/overview
Web: https://developers.google.com/pay/api/web/overview
a. For payment tokenization method, choose “GATEWAY”, with following values:
| Code Block |
|---|
const tokenizationSpecification = { |
type: “PAYMENT_GATEWAY”, |
parameters: { |
'gateway': 'computop', |
'gatewayMerchantId': 'yourComputopMerchantID' |
} |
b. For supported payment card networks, choose the ones your acquirer is supporting:
| Code Block |
|---|
const allowedCardNetworks = ["AMEX", "DISCOVER", "JCB", "MASTERCARD", "VISA"]; |
c. The Google Pay API may return cards on file on Google.com (PAN_ONLY) and/or a device token on an Android device authenticated with a 3-D Secure cryptogram (CRYPTOGRAM_3DS).
Please make sure that you define CRYPTOGRAM_3DS only if your acquirer is supporting this functionality. Please contact Computop support team
to verify this point if needed.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Helpdesk-Name PageWithExcerpt Wording
| Code Block |
|---|
const allowedCardAuthMethods = ["PAN_ONLY", "CRYPTOGRAM_3DS"]; |
If you are operating in EEA region, please define CRYPTOGRAM_3DS only, as these payments are already Strong Customer Authenticated in Google Pay wallet and therefore compliant with PSD2 SCA regulation.
Note: If you receive Soft Decline in Response, you need to restart the payment with 3-D Secure authentication.
This needs to be done by using Card Token received in Google Pay Response and following steps described in: Server-2-Server Integration
d. In response from Google Pay API, you should receive Token similar to this:
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|---|---|---|
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{
"signature": "MEQCIC4z/QHSrzekRkkuk3vGYxBTBdNgEQl5XFHx0Wk5fFLIUAiB3+q227havAJdagfGZaMXbefhatdJE7Df2qrIoKDv1Og==",
"protocolVersion": "ECv1",
"signedMessage": "{\"encryptedMessage\":\"bOYRmExGeCsBrFqESt7kd9O1FN+vQZf2KG0UNYC8jNA+VVf9nQeK7lDvU8k37cH+LOziJQkHNL2OxDHIk6GoRV1BrXprwBnAJR0O2VnCUH8lsqq0ELwemeqW364Ir8cU/hDFzWNp+38H25JVDAMExZBKodMMTzUXXgyO+s5jOyAl8jUhnAw3fTRPkefuYsE8NFK5tvcs4L29h87Zo7ot0/8XrUhXt9b/Fld1LEthkuPSN+K1eEFP7bseB6jjRdHnwYAdqiE3iOmh71pcDmNIyrlWRj74UJaszeerZW7DoZNx11oN7fouq/8fe1vklsr/e+y/RSG2nQMWg5yR/fMTfqCyabTDhJMvMM1Zhe91+dQ0/xi/zKRgsIhiongJUjYtoSNIjUHnMLRuVTKdjX50CCI1QOiBtr9h0bOLePhxw9cLYeU1KwCfYJyt28DBKCvaWFSbCl+dzNcZ9B83kv\",\"ephemeralPublicKey\":\"BFUju73/IT/KqnB/nc0W3BaL3BXFybrbYaPiMCKXIcg78PbslwV7MRUq3SpWEDEJT6pakLCvf34412HbDGCpsa4\\u003d\",\"tag\":\"xIuCUWB2U6yWEfidsJpQaa+leU/kqS522JLOnrnk42g\\u003d\"}"
} |
You need to Base64 encode the whole token string and include it in Paygate in
parameter TokenExt.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording
Process flow chart
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Google Pay process flow |
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interface
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Calling the interface
Two transactions are created when making a credit card payment via Google Pay. In the Google Pay transaction the required credit card data are determined first and the actual credit card transaction is then carried out automatically. This takes place via a server-to-server connection and supports all usual credit card transaction options. The difference here, however, is that you don't transmit the credit card information, which you don't know. Instead, you transmit the Token generated by Google Pay, which contains the required credit card data in encrypted form.
In order to make a credit card payment with Google Pay, please use the following URL:
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Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.
The following table describes the encrypted transfer parameters for Google Pay. In addition you can submit any parameters that are applicable or required for a credit card payment (without credit card data). More information about this you can find within Card processing.
Parameter
Format
CND
Description
MerchantID
ans..30
M
MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.
TransID
ans..64
M
TransactionID which should be unique for each payment
RefNr
ns..30
O
Unique reference number
Amount
n..10
M
Amount in the smallest currency unit (e.g. EUR Cent)
Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).
Currency
a3
M
Currency, three digits DIN / ISO 4217
MAC
an64
M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm
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UserData
ans..1024
O
|
ans..6
O
Determines the type and time of capture. AUTO: capturing immediately after authorisation (default value). MANUAL: capturing made by the merchant. <Number>: Delay in hours until the capture (whole number; 1 to 696).
OrderDesc
|
TokenExt
|
URLNotify
ans..256
O
Complete URL which Paygate calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead.
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Parameters for Google Pay
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The following table describes the result parameters with which the Paygate responds to your system:
Parameter
|
MID
|
|
MerchantID, assigned by Computop
PayID
an32
M
|
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XID
an32
M
ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate
TransID
ans..64
M
Merchant’s transaction number
RefNr
ns..30
O
Unique reference number
UserData
ans..1024
O
If specified at request, Paygate forwards the parameter with the payment result to the shop.
Status
a..50
M
OK or FAILED
Description
ans..1024
M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!
Code
n8
M
Error code according to Paygate Response Codes (A4 Error codes)
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Result parameters for Google Pay
Capture / Credit / Reversal
Captures, credits and reversals do not refer to the Google Pay transaction but directly to the credit card transaction. More information about this you can find within Card processing.
Batch processing via the interface
Captures, credits and reversals via batch do not refer to the Google Pay transaction but directly to the credit card transaction. More information about this you can find within the document Card processing.