Posted by Dominik Mengelt, Developer Relations Engineer, Google Pay and Nick Alteen, Technical Writer, Engineering, Wallet
When processing payments, step-up authentication (or simply “step-up”) is the practice of requiring additional authentication measures based on user activity and certain risk signals. For example, redirecting the user to 3D Secure to authenticate a transaction. This can help to reduce potential fraud and chargebacks. The following graphic shows the high-level flow of a transaction to determine what's to be done if step-up is needed.
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| Figure 1: Trigger your Risk Engine before sending the transaction to authorization if step-up is needed |
It depends! When making a transaction, the Google Pay API response will return one of the following:
You can use the allowedAuthMethods parameter to indicate which authentication methods you want to support for Google Pay transactions:
PAN_ONLY card (a card not tokenized, not enabled for contactless) from the payment sheet during checkout, step-up is needed. Let's have a look at two concrete scenarios:
CRYPTOGRAM_3DS authentication method.On the other hand, the sheet in the second scenario shows a generic card network icon. This indicates a PAN_ONLY authentication method and therefore needs step-up.
PAN_ONLY vs. CRYPTOGRAM_3DS
Whether or not you decide to accept both forms of payments is your decision. For CRYPTOGRAM_3DS, the Google Pay API additionally returns a cryptogram and, depending on the network, an eciIndicator. Make sure to use those properties when continuing with authorization.
When calling the loadPaymentData method, the Google Pay API will return an encrypted payment token (paymentData.paymentMethodData.tokenizationData.token). After decryption, the paymentMethodDetails object contains a property, assuranceDetails, which has the following format:
Depending on the values of
cardHolderAuthenticated and accountVerified, step-up authentication may be required. The following table indicates the possible scenarios and when Google recommends step-up authentication for a transaction:Step-up can be skipped only when both cardHolderAuthenticated and accountVerified return true.
If you are not using assuranceDetails yet, consider doing so now and make sure to step-uptransactions if needed. Also, make sure to check out our guide on Strong Customer Authentication (SCA) if you are processing payments within the European Economic Area (EEA). Follow @GooglePayDevs on Twitter for future updates. If you have questions, mention @GooglePayDevs and include #AskGooglePayDevs in your tweets.
Hi everyone! We've just released Chrome Beta 108 (108.0.5359.61) for Android. It's now available on Google Play.
You can see a partial list of the changes in the Git log. For details on new features, check out the Chromium blog, and for details on web platform updates, check here.
If you find a new issue, please let us know by filing a bug.
Krishna Govind
Google Chrome
Hi everyone! We've just released Chrome Beta 108 (108.0.5359.61) for Android. It's now available on Google Play.
You can see a partial list of the changes in the Git log. For details on new features, check out the Chromium blog, and for details on web platform updates, check here.
If you find a new issue, please let us know by filing a bug.
Krishna Govind
Google Chrome
Posted by Aditya Swamy, Director, Google Play Partnerships
I sat down for a “virtual coffee” with Haemin Yim, founder and CEO of Creatrip, from Korea to discuss starting on the web, setting up the company for global reach, and tips for startups looking to grow.
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Despite having a great idea for an app, Haemin shared with me that it hasn’t always been smooth sailing. After gaining significant brand awareness and with increasing travel bookings across the app, the pandemic sent the travel industry into disarray. As with many businesses, this had significant implications for Creatrip. However, Haemin and the team used their strong understanding of the people using their app to quickly expand their offering.
With the knowledge that people often wanted to visit South Korea because of their interest in K-trends and culture; Haemin adapted the business to provide K-products to those who were unfortunately unable to travel during that period. This led Haemin to grow the business beyond just a travel app and into a global e-commerce platform.
Creatrip started as an app that provided travel content. It quickly expanded to provide people with in-app booking features, local currency exchange rates that weren’t previously digitized, and even a global e-commerce platform providing access to popular ‘K-items’. However, content is the key element that draws users into the app.
My top advice for businesses looking to continue to evolve their content is to expand their content creator pipeline. For example, by encouraging South Korean locals to contribute, Creatrip could gain a richer and more diverse range of content, showcasing Korea through the eyes of many different people. Haemin and the team are already in the process of building a new feature that allows people to create their own content on the app.
Think about short form video apps. By allowing people to become their own content creators, it enables them to have a much wider repository of content and encourages users to spend more time on the app. Now more people want to be creators and make their own content as seen on YouTube. This is fueling growth in watchtime, and adding more users.
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Something I found particularly interesting from my chat with Haemin, was how she prepared the business for global reach from the start. Haemin believes that despite requiring a bit more time and effort, preparing for global reach from the beginning can actually allow for exponential growth, as you start to target the right markets and reach a global fan base. It is wonderful to see how Haemin brings her passion for all things Korean, to people all around the world. The team’s first step towards going global was by listening to and understanding the needs of the people already using Creatrip.
The team at Creatrip have definitely brought a lot of unique ideas to the app. With 90% of their users having started on the website, the team had an ingenious idea to bring people over to mobile. They listened to their global users and saw that people were keen to find out the currency exchange rates being provided at local stores in Seoul. They created a mobile-only feature that shows local currency rates from local stores. This required the team to actually go to the stores twice a day, however it led to a large increase in people using the mobile app - all by providing information that was previously unavailable to people from outside of Seoul.
It’s amazing to see how much Creatrip is flourishing; the app has grown from 100k monthly users up to 1.5 million. There are many factors that helped Creatrip grow over the past few years, but some notable takeaways from my chat with Haemin include:
As a final thought I couldn't let Haemin go without asking her favorite K trends. She mentioned that fusion fine dining was a top trend in Korea, NewJeans were a trending K-pop band, and South Korean blankets were a top K-product.
Do you have any questions for Creatrip? What are your own tips for other app or game businesses? Let us know on Twitter.
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Posted by Aditya Swamy, Director, Google Play PartnershipsI sat down for a “virtual coffee” with Haemin Yim, founder and CEO of Creatrip, from Korea to discuss starting on the web, setting up the company for global reach, and tips for startups looking to grow.
|
Despite having a great idea for an app, Haemin shared with me that it hasn’t always been smooth sailing. After gaining significant brand awareness and with increasing travel bookings across the app, the pandemic sent the travel industry into disarray. As with many businesses, this had significant implications for Creatrip. However, Haemin and the team used their strong understanding of the people using their app to quickly expand their offering.
With the knowledge that people often wanted to visit South Korea because of their interest in K-trends and culture; Haemin adapted the business to provide K-products to those who were unfortunately unable to travel during that period. This led Haemin to grow the business beyond just a travel app and into a global e-commerce platform.
Creatrip started as an app that provided travel content. It quickly expanded to provide people with in-app booking features, local currency exchange rates that weren’t previously digitized, and even a global e-commerce platform providing access to popular ‘K-items’. However, content is the key element that draws users into the app.
My top advice for businesses looking to continue to evolve their content is to expand their content creator pipeline. For example, by encouraging South Korean locals to contribute, Creatrip could gain a richer and more diverse range of content, showcasing Korea through the eyes of many different people. Haemin and the team are already in the process of building a new feature that allows people to create their own content on the app.
Think about short form video apps. By allowing people to become their own content creators, it enables them to have a much wider repository of content and encourages users to spend more time on the app. Now more people want to be creators and make their own content as seen on YouTube. This is fueling growth in watchtime, and adding more users.
|
Something I found particularly interesting from my chat with Haemin, was how she prepared the business for global reach from the start. Haemin believes that despite requiring a bit more time and effort, preparing for global reach from the beginning can actually allow for exponential growth, as you start to target the right markets and reach a global fan base. It is wonderful to see how Haemin brings her passion for all things Korean, to people all around the world. The team’s first step towards going global was by listening to and understanding the needs of the people already using Creatrip.
The team at Creatrip have definitely brought a lot of unique ideas to the app. With 90% of their users having started on the website, the team had an ingenious idea to bring people over to mobile. They listened to their global users and saw that people were keen to find out the currency exchange rates being provided at local stores in Seoul. They created a mobile-only feature that shows local currency rates from local stores. This required the team to actually go to the stores twice a day, however it led to a large increase in people using the mobile app - all by providing information that was previously unavailable to people from outside of Seoul.
It’s amazing to see how much Creatrip is flourishing; the app has grown from 100k monthly users up to 1.5 million. There are many factors that helped Creatrip grow over the past few years, but some notable takeaways from my chat with Haemin include:
As a final thought I couldn't let Haemin go without asking her favorite K trends. She mentioned that fusion fine dining was a top trend in Korea, NewJeans were a trending K-pop band, and South Korean blankets were a top K-product.
Do you have any questions for Creatrip? What are your own tips for other app or game businesses? Let us know on Twitter.
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The Beta channel has been updated to 108.0.5359.62 for Windows, Mac and Linux .
A full list of changes in this build is available in the log. Interested in switching release channels? Find out how here. If you find a new issues, please let us know by filing a bug. The community help forum is also a great place to reach out for help or learn about common issues.
We’re partnering with Deaf West Theatre and Daniel Durant to share some of Google’s most helpful communication tools.
We’re partnering with Deaf West Theatre and Daniel Durant to share some of Google’s most helpful communication tools.
