Add Google Pay to Android apps for these supported countries.
The following Google Pay payments receive liability shift in SCA impacted regions:
- Mastercard
- Visa (where device PAN/"CRYPTOGRAM_3DS" is used)
- Read through the GooglePay Overview.
- Ask your Implementation Manager to enable Google Pay.
- Your Implementation Manager supplies you with a Gateway Merchant ID which you need to supply in your integration with Google Pay API.
- Follow the GooglePay tutorial and complete the GooglePay test checklist to ensure a successful integration.
- you must set the
allowedAuthMethodscard parameter to "CRYPTOGRAM_3DS" as described here. This is to ensure only network tokens and cryptogram are passed in a tokenized card payload. This means no step-up challenge is required - to be SCA compliant, you must provide the country code in your request to the Google Pay API when you process in an SCA impacted region
Here is an example of a Google Pay authorization request. For more information on taking a Google Pay payment take a look at our Payments API documentation.
POST your authorization request to the customerInitiatedTransactions action link received in your payments root response to authorize a payment.
POST https://try.access.worldpay.com/cardPayments/customerInitiatedTransactions
{
"transactionReference": "Memory265-13/08/1876",
"merchant": {
"entity": "default"
},
"instruction": {
"requestAutoSettlement": {
"enabled": false
},
"narrative": {
"line1": "Mind Palace"
},
"value": {
"currency": "GBP",
"amount": 250
},
"paymentInstrument": {
"type": "card/wallet+googlepay",
"walletToken": "{\"protocolVersion\":\"ECv1\",\"signature\":\"MEQCIH6Q4OwQ0jAceFEkGF0JID6sJNXxOEi4r+mA7biRxqBQAiAondqoUpU/bdsrAOpZIsrHQS9nwiiNwOrr24RyPeHA0Q\\u003d\\u003d\",\"signedMessage\":\"{\\\"tag\\\":\\\"jpGz1F1Bcoi/fCNxI9n7Qrsw7i7KHrGtTf3NrRclt+U\\\\u003d\\\",\\\"ephemeralPublicKey\\\":\\\"BJatyFvFPPD21l8/uLP46Ta1hsKHndf8Z+tAgk+DEPQgYTkhHy19cF3h/bXs0tWTmZtnNm+vlVrKbRU9K8+7cZs\\\\u003d\\\",\\\"encryptedMessage\\\":\\\"mKOoXwi8OavZ\\\"}\"}"
}
},
"channel": "ecom"
}Your customer can use Google Pay to set up repeat payments (such as subscriptions).
Include the customerAgreement object in your Customer Initiated Transactions Google Pay request:
{
...
"instruction": {
...
"customerAgreement": {
"type": "subscription",
"storedCardUsage": "first"
}
}
}The response contains a Worldpay token that you can use with future Merchant Initiated Transactions.
You receive:
- an HTTP code
201 - an
"outcome": "authorized" - a
paymentInstrument - links to cancel, settle, partially settle or query payment events
You receive:
- an
"outcome": "refused" - a refusal code
- a
descriptionthat gives additional context on the refusal - a
paymentInstrument
{
"outcome": "authorized",
"riskFactors": [{
"risk": "notChecked",
"detail": "postcode",
"type": "avs"
},
{
"risk": "notChecked",
"detail": "address",
"type": "avs"
}
],
"scheme": {
"reference": "schemeReference"
},
"paymentInstrument": {
"type": "card/network+masked",
"cardBin": "444433",
"lastFour": "1111",
"tokenNumber": "444433******1111",
"countryCode": "GB",
"expiryDate": {
"month": 2,
"year": 2028
},
"cardBrand": "visa",
"fundingType": "debit",
"category": "consumer",
"issuerName": "VALID_ISSUER",
"paymentAccountReference": "somePAR"
},
"_links": {
"cardPayments:cancel": {
"href": "https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA=="
},
"cardPayments:settle": {
"href": "https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA=="
},
"cardPayments:partialSettle": {
"href": "https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA=="
},
"cardPayments:events": {
"href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA=="
},
"tokens:token": {
"href": "https://access.worldpay.com/tokens/linkData"
},
"curies": [{
"name": "cardPayments",
"href": "https://try.access.worldpay.com/rels/payments/{rel}",
"templated": true
}]
}
}The paymentInstrument includes brand and fundingType. They can have the following values:
brand:
visavisaElectronmastercardmaestroamex
fundingType:
debitcredit
paymentAccountReference (PAR):
The payment account reference is a unique identifier associated with a specific cardholder PAN. This 29 character identification number can be used in place of sensitive customer identification fields. It can be transmitted across the payments ecosystem to facilitate customer identification.
You can use the payments:settle action link to settle the payment straight away. Alternatively you can cache the response and use the link to settle the payment later.