Google Pay

Google Pay is a digital wallet that lets consumers pay quickly and securely without entering card details on every purchase. It uses tokenized credentials and Google account authentication to reduce friction while protecting payment data.

Benefits of Google Pay

• Simplified experience: Pay in one or few steps using cards already stored in the customer’s Google account.
• Enhanced security: Uses network tokens instead of the full PAN whenever available, reducing exposure of sensitive data.
• Broad compatibility: Works on Android and the web with eligible Visa and Mastercard cards (subject to issuer and regional availability).
• Strong authentication: Leverages Google authentication (account, biometrics, or device lock) to confirm payment intent.
• Multi-platform integration: Enable Google Pay in Webcheckout and flows like microsites or payment links to keep a consistent experience.

How to integrate Google Pay in your business

1. Set up Google Pay on your Placetopay account: Contact the operations team to enable this feature on your site.
2. Access the integration: Google Pay is available in Webcheckout and options like microsites and payment links.
3. Flexible processing:
   • Process transactions using the network token provided by Google Pay when applicable.
   • If the issuer does not support tokenization, you can process with the PAN provided by Google Pay under the corresponding policies.
4. Additional benefit: If your customers already have cards saved in Google Pay, they can pay without re-entering data, boosting conversion.

Google Pay in iframes and WebViews

If Webcheckout is opened inside an iframe or a WebView, that context must meet additional conditions that depend on your integration:

Availability and payment errors

The availability check and the payment flow are separate stages:

• Availability check: Webcheckout queries Google with isReadyToPay and only displays the button if the response is positive. Google documents that this check returns false when the Android device does not meet the Google Play services and Android System WebView version requirements, and that it always returns false in iOS WebViews.
• Payment errors: a positive isReadyToPay response does not guarantee that the payment will be completed. In our tests with an Android app without the WebView configuration, the Google Pay button was displayed and the flow failed when starting; it worked after applying the Android configuration. When the flow fails, the Google Pay payment is not completed and the payer can choose another method enabled in the session.

Use cases

Google Pay is ideal for:

• Mobile customers: Android or Chrome users who already rely on Google Pay for quick purchases.
• Authenticated users: Customers who confirm payments with their account or biometrics, reducing friction.
• Tokenization options: Merchants aiming to process with tokens to lower fraud risk.
• Businesses with multiple channels: Consistent experience across web, microsites, and payment links where Google Pay is enabled.
• Digital wallets: Complements other wallets to offer more choices to buyers.

Advantages of using Google Pay

• Reduced cart abandonment: Fast payments lower friction in Webcheckout.
• Customer trust: Google’s brand and user experience increase buyer confidence.
• Optimized conversion: Delivers an agile, device-friendly user journey.
• Dedicated technical support: Placetopay ensures quick implementation and ongoing support.

FAQs