What is Google Pay?

Gpay, what is it? Quick, easy and safe online payments

On January 8, Pali Bhat, Google’s vice-chairman in management of payment products, announced that from that date on, “Everything would be brought together in Google Pay.” Bhat was the promoter of this great idea, which is meant to make our lives easier. Let’s have a quick look at it.

For those people who have used Android Pay to pay for food and have used Chrome for their payment information or have purchased apps on Google Play, it’s clear that they were able to experience how Google helped them pay. While these processes were being developed, Google worked hard in order to make these experiences easier and shorter in time. In addition to this, they also worked hard to make these processes safer and more consistent.

This way, Google Pay was invented. Here, all forms of payment are brought together, including Android Pay and Google Wallet. It is now possible to search it in Google applications, either online or in stores, and is available in different applications and websites for different types of customers.

When it comes to developers, we can say that they will be able to visit the website “Payment Solutions”, to explore how they can implement Google Pay, although in this tutorial we will give you the important information so that you don’t waste time. The developers will also be able to work with one of the partners of the processor of this new Google application, in order to carry out an even simpler integration. Then, you will be able to discover how to achieve this in this post.

Let’s have a look at some of the most outstanding features of this Google innovation:

• The entire payment process will be easier and faster.
• Customer experience will be improved.
• It will reach billions of Google users, all over the world.
• It is implemented only once and can be used everywhere.
• It is a very simple process for the suppliers of goods and services and for their clients.
• Conversions are improved, with simple payments, on time.
• Customers will be able to pay very fast, this way, it will be easier to purchase in the app and also in Chrome with just a phone.
• Global reach of customers in Google Scale.

Why has the shopping experience significantly improved?

Since the payment process is very simple, fast and agile, the shopping basket abandonment is considerably reduced, while customer satisfaction is increased. In addition to this, there are no additional fees, since Google does not charge sellers or buyers. Additionally, customers/buyers can access any of their credit or debit cards that are stored, so that they can have control and pay as they wish.

Regarding the security factor, we need to point out that additional security is provided, while Google stores the payment information of customers/buyers, in the safest way, and only shares what is required for each transaction. Let’s have a look at one of the interesting factors from Pandora FMS: the implementation of this new Google application.

How is Google Pay implemented and operated?

Well, it works with several payment processors:

Ayden

It turns out that hundreds of millions of people, around the world, add payment cards to their respective Google accounts which, in other words, can be used to withdraw from any Google product, so that there’s no need to enter your payment details every single time. With this new Google payment API, we can enable the same payment experience, for our own products and/or services without effort. Customers, in turn, can pay with any credit or debit card stored in their Google accounts. So sellers and service providers can allow payment online, without any interruptions in Android applications or, in Chrome with a mobile phone.

Google Pay is a unique solution that accepts payments from anywhere and from any device, this is due to:

• Complete functionality for mobile phones.
• Global reach, with a single solution.
• A Targeted risk management.
• Greater authorisation for subscriptions.
• Flexible and easy integrations.

As we mentioned earlier, Ayden (one of the several payment processors of this Google API), is an excellent solution to accept payments anywhere and from any device. In addition to this, Ayden reviews payment flows without friction, plus it has Ayden MarketPay which is a payment solution for marketplaces, with different payment methods, and has “Revenue/Accelerate” that allows the optimization of authorization, and it also allows payments in the store.

Additionally, Ayden has RevenueProtect (integrated risk management), a global reach with a local focus, a unified report of crossed channels, and an entire associated ecosystem that offers the option of connecting existing platforms.

Braintree

Currently, Google Pay is available in the beta version, with the latest Android SDK and Java Script. In addition to this, it offers a mobile shopping experience, both in the application itself and in the mobile web for customers with compatible Android devices. On the other hand, it allows customers to pay with cards stored in their Google accounts, in addition to those stored in Android Pay. In other words, we can say that this new Google API extends the existing feature of Google’s Android Pay, to include access to the safe of the Google card. This allows customers to make purchases quickly and, also, safely on their Android mobile devices.

Then, when selecting this new Google API in the Android application or, in the mobile web, customers can pay using the cards associated with their respective Google accounts. Now, regarding compatibility, we can say that the place where the business of a seller of products or services is domiciled determines the ability to either accept Google Pay or not. Then, most of the merchants that are located in the regions that we will mention later on, and depending on their processing configuration, will be able to accept “G-Pay” transactions from eligible customers, with these types of cards:

• United States: MasterCard, Visa, American Express and Discover.
• Europe: MasterCard, Visa and American Express.
• Australia: MasterCard, Visa and American Express.
• APAC (Asia-Pacific): MasterCard, Visa and American Express.

When it comes to Europe, APAC and Australia, it is necessary to bear in mind that, in order to be eligible to accept the new Google API, with American Express, you must proceed with the Amex accounts. For those who are not sure of the configuration they need, we recommend you visit this page of Baintgree to contact them and solve the problem.

Entrepreneurs and merchants domiciled in the United States and integrated with Google Pay, will be able to accept Discover cards from their respective customers, without having to carry out any additional integration work. But, if you use split shipments or recurring billing in this new Google API, you should contact Discover, to set up the necessary permits, in order to avoid annoying rejections.

Regarding the compatibility with the customer, let’s say that right now, businessmen and merchants can accept “G-Pay” from customers with Android devices, in the countries that we have mentioned:

• Australia
• Belgium
• Spain
• United States
• Hong Kong
• Ireland
• Poland
• United Kingdom
• Singapore
• Ukraine

When it comes to Ukraine, we must clarify that customers in this country can make purchases through this new Google API. However, merchants domiciled in this Eastern European country are not eligible to work through Braintree.

Now the transactions of “G-Pay” process and resolve, just like credit card transactions but it is possible to identify them in the Control Panel, by its logo-symbol of single payment. When it comes to the registration, we need to point out that there are no standardized (or additional) rates to process “G-Pay” transactions, given that the price of this Google API is the same as the other transactions with credit cards.

EBANX

Through this processor, business owners / merchants let their customers pay with local cards stored in their respective Google accounts. It is a good payment experience without interruptions, and with a few clicks, customers who have stored credit card data in their accounts of Gmail, Android Pay, Google Play or YouTube, can safely pay for their purchases.

When it comes to Latin America, businessmen already have the possibility of offering their local payment options to their customers by integrating EBANX with Google Pay. In general terms, the integration is easy and fast between “G-Pay”, and the application or mobile website, with EBANX. And when it comes to the operation, let’s say that it is enough for the client to click on the button called “Buy with Google Pay” during the payment itself, then choose between using a payment method already stored or add a new one to your Google account. Then, the client must grant the respective permission to the merchant / businessman to access “G-Pay” and, click on “Send order” this way, finishing the transaction.

Paysafe

Through this processor, it is possible to simplify the payment process for customers, by offering “G-Pay” on the mobile web and, also, in the Android application. This one provides improved security and also, reduced PCI responsibility for greater peace of mind. The integration is simple and unique, through the Paysafe SDK, while providing the full capabilities of Google Pay.

With this processor, cards from several Google accounts of users are accepted. Additionally, the entrepreneur can offer an uninterrupted payment experience, within the mobile application and, also, in the mobile web. Entrepreneurs can also offer secure transactions, using, “tokenization” and fingerprint authentication, if available.

With Paysafe, customer data is protected, given that card data are not stored on the devices, while information is encrypted by Google and is only available to its payment providers, who are certified. For this new and better experience, “G-Pay” unlocks a global audience of hundreds of millions of new customers.

And how can we configure Google Pay?

Using Java Script v3 SDK

The new Google API is available in the beta version, with the latest version of JavaScript v3 SDK and Android v2 SDK. But bear in mind that JavaScript requires an Android device with Chrome v61 or higher. On the preparation, let’s say that, in order to accept payments through “G-Pay”, in SandBox or in Production, it will be necessary to enable it in the Control Panel. To do so, it is necessary to log in previously, in the SandBox Control Panel or in the Production Control Panel, so you need to log in previously. Then, we should go to Settings> Processing> Google Pay.

If “G-Pay” is not yet enabled, you must click on the respective button. If this new Google API is already enabled in our Control Panel, but we need to enable this payment method, we will need to get in touch with the support team.

Through Android 2V SDK

Android SDK requires Google Play Services Wallet 11.4.0 or later. When it comes to its configuration, in order to be able to accept payments through “G-Pay” in SandBox or in Production, it is necessary to enable it in the Control Panel and to do this; we must login in the SandBox Control Panel or, in its Production Control Panel.

Then, we have to go to Settings> Processing> Google Pay, but if “G-Pay” is not yet enabled, we must click on the respective button. If we already have “G-Pay” enabled in our Control Panel, but we need to enable this payment method for a commercial account, it will be necessary to contact the support team. Anyway, in Pandora FMS, we will find valuable additional information for entrepreneurs.