Pay InWallets

Google Pay™ overview

Learn about using Google Pay with Payabli
Applies to:Developers

Google Pay is a digital wallet and mobile payment service that enables fast checkout on your website, and gives you convenient access to hundreds of millions of cards saved to Google Accounts worldwide.

For the current version, Payabli supports only web payments via Payment Page and Express checkout component. There is no API support.

How Google Pay transactions work

1

Payor initiates transaction

The user taps the Google Pay button on the payment page or ExpressCheckout component.

2

Payor views payment sheet

The Google Pay payment sheet loads for the user, and shows the available payment methods and additional details, like a shipping address, that come from user details and merchant requirements.

3

Payor selects payment method

The user selects a payment method and confirms other details in the Google Pay payment sheet.

4

Google encrypts payment data

Google encrypts the payload with Payabli’s Public key which has been registered with Google.

5

Payabli processes payment request

The payment page or ExpressCheckout component sends the encrypted payload to Payabli’s API.

6

Payabli processes transaction

Payabli decrypts the encrypted payload with the appropriate private key, and then performs the transaction like any other transaction.

7

Transaction completion

API sends the transaction result back to the payment page or ExpressCheckout component.

Google Pay transaction flow from user to payment network
Google Pay transaction flow

Diagram: Google Pay Transaction Flow

This diagram shows how Google Pay transactions are processed through the payment network:

  • User taps the Google Pay button on the payment page or ExpressCheckout component
  • Google returns encrypted payment payload to the payment page/component
  • Payment page/component sends encrypted Google Pay payload to merchant platform
  • Merchant platform maps data to Payabli’s PSP API/SDK
  • Payabli (PSP) decrypts the encrypted payload with its private key and sends transaction for authorization to the acquirer
  • Acquirer tokenizes and authorizes the payment through the payment network
  • Authorization response travels back through the same path to complete the transaction

Considerations

  • Google Pay is supported in Android and web. For the current version, Payabli supports only web payments via payment pages and the ExpressCheckout component.
  • You can’t use Google Pay for API transactions yet.
  • Merchants have the responsibility to configure requirements for payment methods and additional details that appear in the Google Pay payment sheet.

Get started

To get started with Google Pay, configure and activate it via API.