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Google Pay

针对支持的国家/地区,将Google Pay添加到 Android 应用程序中。

重要信息:MasterCard 和 Visa 品牌的 Google Pay 支付在受 SCA 影响的地区可享受责任转移待遇。

开始

  1. 请您的实施经理启用 Google Pay。
  2. 实施经理为您提供网关商户标识号,您需要在与 Google Pay API 的集成中提供该标识号。

重要信息

  • 您必须按照此处所述将 allowedAuthMethods 卡参数设为 "CRYPTOGRAM_3DS"。这样是为了确保只有网络 Token 和密码在 Token 化的卡有效负载中传递。这意味着不需要逐步升级的质疑。
  • 若要保持 SCA 合规,当您在受 SCA 影响的地区中处理时,您必须在您发给 Google Pay API 的请求中提供国家/地区代码

Google Pay 支付请求

以下是 Google Pay 授权请求的示例。有关接受 Google Pay 支付的更多信息,请查看我们的Payments API 文档

POST 您的授权请求至在查询支付根资源请求中收到的payments:authorize操作链接中,以便对支付授权。

授权示例请求

POST https://try.access.worldpay.com/payments/authorizations

Copied!
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/wallet+googlepay",
            "walletToken": "{\"protocolVersion\":\"ECv2\",\"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\\\"}\"}"
        }
    }
}

Google Pay 支付响应

成功支付

您会接收到:

  • HTTP 代码 201
  • "outcome": "authorized"
  • paymentInstrument
  • 取消结算部分结算或[跟踪支付事件] (zh/docs/access-worldpay/payments/track-a-payment) 的链接

已拒绝的支付

您会接收到:

  • "outcome": "refused"
  • 拒绝代码
  • 为拒绝提供更多上下文的 description
  • paymentInstrument

示例响应

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{
    "outcome": "authorized",
    "riskFactors": [{
        "risk": "not_checked",
        "detail": "postcode",
        "type": "avs"
    },
    {
        "risk": "not_matched",
        "detail": "address",
        "type": "avs"
    }],
    "paymentInstrument": {
        "type": "card/network+masked",
        "card": {
            "number": {
                "bin": "444433",
                "last4Digits": "1111"
            },
            "countryCode": "GB",
            "expiryDate": {
                "month": 12,
                "year": 2025
            },
            "brand": "visa",
            "fundingType": "debit",
            "issuer": {
                "name": "Some Issuer PLC"
            },
            "paymentAccountReference": "ABC123DEF456GHI789JKL123M"
        }
    },
    "_links": {
        "payments:cancel": {
            "href": "https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:settle": {
            "href": "https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:partialSettle": {
            "href": "https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:events": {
            "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9"
        },
        "curies": [{
            "name": "payments",
            "href": "https://try.access.worldpay.com/rels/payments/{rel}",
            "templated": true
        }]
    }
}
{
    "outcome": "refused",
    "description": "Do not honour",
    "code": "5",
    "refusalAdvice": {
        "code": "03"
    },
    "riskFactors": [{
        "risk": "not_checked",
        "detail": "postcode",
        "type": "avs"
    },
    {
        "risk": "not_matched",
        "detail": "address",
        "type": "avs"
    }],
    "paymentInstrument": {
        "type": "card/network+masked",
        "card": {
            "number": {
                "bin": "444433",
                "last4Digits": "1111"
            },
            "countryCode": "GB",
            "brand": "visa",
            "fundingType": "debit",
            "issuer": {
                "name": "VALID_ISSUER"
            },
            "paymentAccountReference": "somePAR"
        }
    }
}

paymentInstrument 包括 brandfundingType。它们包含以下值:

brand

  • visa
  • visaElectron
  • mastercard
  • maestro
  • amex

fundingType

  • debit
  • credit

paymentAccountReference (PAR):

支付账户参考号是与特定持卡人 PAN 关联的独特识别码。该 29 个字符的标识号可以用来代替敏感的客户标识字段。它可以跨支付生态系统传输,以方便客户识别。


您可以使用 payments:settle 操作链接来立即结算支付。您还可以将响应进行缓存,并在以后再使用该链接来结算支付。