Last Updated: 08 October 2024 | Change Log

Google Pay

Make a Google Pay payment by providing the encrypted payload (wallet token) in the payments request.

Google Pay is not yet supported when setting up a recurring payment.

Request

application/json

Provide the encrypted Google Pay payload

{ "transactionReference": "Memory265-13/08/1876", "merchant": { "entity": "default" }, "instruction": { "method": "googlepay", "paymentInstrument": { "type": "encrypted", "walletToken": "{\"protocolVersion\":\"ECv1\",\"signature\":\"MEQCIH6Q4OwQ0jAceFEkGF0JID6sJNXxOEi4r+mA7biRxqBQAiAondqoUpU/bdsrAOpZIsrHQS9nwiiNwOrr24RyPeHA0Q\\u003d\\u003d\",\"intermediateSigningKey\":{\"signedKey\": \"{\\\"keyExpiration\\\":\\\"1542323393147\\\",\\\"keyValue\\\":\\\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE/1+3HBVSbdv+j7NaArdgMyoSAM43yRydzqdg1TxodSzA96Dj4Mc1EiKroxxunavVIvdxGnJeFViTzFvzFRxyCw\\\\u003d\\\\u003d\\\"}\",\"signatures\": [\"MEYCIQCO2EIi48s8VTH+ilMEpoXLFfkxAwHjfPSCVED/QDSHmQIhALLJmrUlNAY8hDQRV/y1iKZGsWpeNmIP+z+tCQHQxP0v\"]},\"signedMessage\":\"{\\\"tag\\\":\\\"jpGz1F1Bcoi/fCNxI9n7Qrsw7i7KHrGtTf3NrRclt+U\\\\u003d\\\",\\\"ephemeralPublicKey\\\":\\\"BJatyFvFPPD21l8/uLP46Ta1hsKHndf8Z+tAgk+DEPQgYTkhHy19cF3h/bXs0tWTmZtnNm+vlVrKbRU9K8+7cZs\\\\u003d\\\",\\\"encryptedMessage\\\":\\\"mKOoXwi8OavZ\\\"}\"}" }, "narrative": { "line1": "trading name" }, "value": { "currency": "GBP", "amount": 42 } } }

Enable additional features

Fraud assessmentPrevent fraudulent transactions
Not Available
3DS authenticationShift Liability to the issuer / for EEA countries this is required as part of SCA compliance.
Not Available
Auto SettlementRequest that payment authorizations are automatically sent for settlement (sometimes referred to as "capture").
Financial Services
(MCC 6012 / 6051)
If you provide financial services, debt repayment, or consumer bill payments, you should supply additional details in the authorization request for compliance reasons.

Response

Flow differences

API responses differ based on the features you have enabled:

  • If settlement.auto is set to true, the outcome will be sentForSettlement. If set to false it will be authorized with an addtional settlement action required.

See sequence diagrams to get a clear overview.

Payment response

The payment response contains the following details:

  • riskFactors (avs/cvc) - if billing address & cvc are provided, these details are checked against the customer's issuing bank
  • refusal code and description which gives additional context on the refusal
  • paymentInstrument - details of the paymentInstrument used

View the full API Response schema