Tag Archives: google pay

Google Pay introduces a Flutter plugin for payments

Posted by Jose Ugia, Developer Programs Engineer, Google Pay and Anthony Panissidi, Technical Writer, Google Developer Studio

Flutter and Firebase logos

We made it easier than ever to integrate Google Pay in Flutter apps!

Our open source Flutter plugin simplifies the addition of payments to Flutter apps on iOS and Android.

The plugin gives you the ability to add functionality to your apps across platforms with a single and familiar codebase written in Dart.

It adapts common steps required to facilitate payments that adhere to how Flutter constructs components, works with the user interface of the app, and exchanges information between the native and Dart ends.

Now, as a Flutter developer, you can easily reap the benefits of Google Pay, which lets you provide users with a secure and fast checkout experience that increases conversions, and frees you from the need to manage credit cards and payments.

How it works

To use the plugin, add pay as a dependency in your pubspec.yaml file. For more information, see Adding a package dependency to an app.

To configure a payment, load a payment profile with the desired configuration, either with a local file or one retrieved from a remote server. For a complete list of all configuration options, see the PaymentDataRequest object.

Here's an example of a JSON file that defines payment options:

sample_payment_configuration.json

{
"provider": "google_pay",
"data": {
"environment": "TEST",
"apiVersion": 2,
"apiVersionMinor": 0,
"allowedPaymentMethods": [{
"type": "CARD",
"tokenizationSpecification": {
"type": "PAYMENT_GATEWAY",
"parameters": {
"gateway": "example",
"gatewayMerchantId": "gatewayMerchantId"
}
},
"parameters": {
"allowedCardNetworks": ["VISA", "MASTERCARD"],
"allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
"billingAddressRequired": true,
"billingAddressParameters": {
"format": "FULL",
"phoneNumberRequired": true
}
}
}],
"merchantInfo": {
"merchantId": "01234567890123456789",
"merchantName": "Example Merchant Name"
},
"transactionInfo": {
"countryCode": "US",
"currencyCode": "USD"
}
}
}

For more examples of JSON files that define payment options, take a look at the example/assets/ folder.

Now you can use this configuration to add the Google Pay button to your app and forward the payment method selected by your users.

Here's an example of a Dart file:

import 'package:pay/pay.dart';

const _paymentItems = [
PaymentItem(
label: 'Total',
amount: '99.99',
status: PaymentItemStatus.final_price,
)
];

// In your Widget build() method
GooglePayButton(
paymentConfigurationAsset: 'sample_payment_configuration.json',
paymentItems: _paymentItems,
style: GooglePayButtonStyle.black,
type: GooglePayButtonType.pay,
onPaymentResult: onGooglePayResult,
),


// In your Stateless Widget class or State
void onGooglePayResult(paymentResult) {
// Send the resulting Google Pay token to your server or PSP
}

How to use it

The best part of this news is that you can use the plugin today. To get started with it, check out the pay package on pub.dev. We also want to hear your thoughts and feature requests, and look forward to your contributions on GitHub.

Learn more

Want to learn more about Google Pay? Here's what you can do:

Google Pay integration patterns that drive conversions on Android

Posted by Jose Ugia, Developer Relations Engineer, Google Pay & Anthony Panissidi, Technical Writer, Google Developer Studio

How to drive conversions with Google Pay for Android

What do Gilt, MTS, Panera Bread, and SpotHero have in common?

At first glance, you probably only see four totally different businesses:

  • Gilt is an online shopping and lifestyle website.
  • MTS is a mobile network operator with 80 million users in Armenia, Belarus, and Russia.
  • Panera Bread is a chain of more than 2,000 fast-casual bakery-cafe restaurants in the US and Canada.
  • SpotHero is a digital parking marketplace that lets drivers reserve and pay for parking spots in more than 300 cities in the US and Canada.

However, all four businesses partnered with us to identify and adopt integration patterns that drive the most conversions on Google Pay for Android. In this blog post, we share these proven integration practices so that you can get the most out of Google Pay in your Android apps, as well as additional security tips that you can use to further secure your payment flows.

UI and UX patterns

Take a look at the following strategies to improve user experience in your app:

  • Payment-method selection
  • Express checkout
  • Guest checkout
  • Payment notifications

Payment-method selection

If you set Google Pay as a default payment option for ready-to-pay users, your users only need to click or tap twice to complete their transactions, so they enjoy a more-seamless payment experience and they're less likely to abandon their carts.

Phone with Gilt user interface

Our partners who implemented this pattern reported a significant increase in their success metrics. For example, at Gilt, 34% of total Google Pay checkouts were net-new Gilt member conversions and 57% of total Google Pay checkouts were reactivations of lapsed Gilt members.

Gilt member conversions increase

Express checkout

This feature lets your users purchase an item directly from the item's detail page without adding it to a cart, which shortens their path to purchase completion.

For example, Gilt integrated this feature into their checkout process so its users can complete the checkout process with only a few clicks or taps. The Google Pay button on their product page lets users move directly to checkout with Google Pay set as a default payment option.

Gilt Google Pay Integration

Guest checkout

This feature makes it easier for your users to complete purchases and convert, and more likely to create an account and engage again later.

To enable guest checkout, add Google Pay as an option to continue with the payment process alongside your account-creation elements.

For example, Panera Bread enabled guest checkout, and found a 7% increase in order value and 30% increase in wallet share.

Panera increase in order value and wallet share

As another example, SpotHero enabled guest checkout, and found that its sales funnel increased by 20 times while 87% of total checkouts were completed with Google Pay.

SpotHero increase in sales and total checkouts

Payment notifications

This feature lets your users pay directly from notifications, which reduces friction in the payment process and further increases conversions.

Users sometimes receive payment notifications that they expect, such as after they abandon carts, make donations, or need to add credit to a prepaid card. They typically find these transactions simple and familiar, so they're ready to pay quickly with a little nudge.

MTS credit adding option interface

MTS adopted this pattern to let their customers add credit to their accounts directly from notifications and experienced a 80% increase in conversions.

MTS users in Russia and increase in conversions

Learn more

For more information about how to implement these UI and UX patterns, see our sample open source app and developer documentation.

Security tips

Before we go, we also want to share these security tips to further secure your payment flows:

  • Use SSL for all connections between your apps and backend services over the public internet.
  • Do not collect or store payment data, or any other sensitive information in the clear within your app.
  • Order price can be calculated on the client side to show it in your UI and keep the user informed, but only allow for payments with calculations applied in your backend services.
Security Basics

Learn more

Want to learn more about Google Pay? Here's what you can do:

Updated Google Pay app offers more consumer touchpoints

Posted by Soc Sieng, Developer Advocate, Payments & Ola Ben Har, Payments DevRel Lead

What's new in Google Pay header

We redesigned the Google Pay app to boost user engagement with your business.

The redesigned app makes it easy for users to find your business and provides you with a branded surface that lets you build relationships with your customers at scale.

The app is available in the App Store and Google Play Store in the US, India, and Singapore with availability in more markets on the way. In this blog post, we focus on features available in the US version of the app.

New in Google Pay

The Google Pay app focuses on users' relationships with people, businesses, and other everyday essentials.

Centers around your relationships

The app lets users send money, save money, and see spending insights.

Understand and organize money

It makes it easy for users to save money at their favorite businesses and discover new ones.

Save money and discover businesses

It also provides your brand with another surface to initiate meaningful reengagement with your customers. The branded experience is automatically created when customers check out with Google Pay or a Google Pay-enrolled card in the app, in stores, or online. This dedicated space for your business is also where customers can redeem offers, sign up for loyalty rewards, and view their transaction histories.

Branded experience

How it works

Google Pay's new features are only part of the story.

Behind the scenes, we worked on the Google Pay APIs and developer tools to enable those experiences, help you acquire new customers, and better serve existing ones.

Google Pay APIs for Web and Android

Google Pay APIs for Web and Android enable your transaction history within your branded experience on Google Pay in addition to contactless payments in store. After a user makes a purchase with Google Pay or a Google Pay-enrolled card, they can search for your brand and view their transaction history in Google Pay.

Two phones showing inside your app and inside google pay

When you integrate with the Google Pay APIs, you're not only providing a convenient and secure checkout option in your app or on your website, but you also let your users track their transactions, independent of the channel, in one central place. Your brand becomes searchable for millions of active Google Pay users, which provides you with more reengagement opportunities.

Loyalty Enrollment and Sign-in API

The Loyalty Enrollment and Sign-in API lets users discover, and sign up or sign in to your loyalty program from your branded experience with a few taps in Google Pay.

Loyalty enrollment and sign-in API

When users sign up, they provide their consent and Google Pay securely shares sign-up details with your loyalty program’s sign-up process. They can use information that they already saved to their Google Accounts, which makes the sign-up process a snap. Afterward, users can easily access their loyalty passes at checkout.

4 phones

That does it for now, but these updates are only the beginning, so stay tuned for more news in this space!

Learn more

Want to learn more about Google Pay? Here's what you can do:

Send money to loved ones abroad with Google Pay

Every year, people around the world send nearly $700 billion to friends and relatives in their home countries, which pay for essential expenditures like healthcare, education, bills and more. According to a recent Mastercard study, 73% of people regularly send money abroad. However, in the last year, 38% of people surveyed reported greater involvement in international payments. This suggests that as the pandemic continues to create uncertainty, easing the financial anxieties of loved ones is even more critical. 


Starting today, Google Pay users in the U.S. will be able to send money to Google Pay users in India and Singapore, thanks to a new integration with Western Union and Wise. By the end of the year, we expect that U.S. Google Pay users will be able to send money to people in more than 200 countries and territories through Western Union and to more than 80 countries through Wise.
Two phones side-by-side which show the conversation in the Google Pay app between a US Google Pay user who sent money to a Google Pay user in Singapore.

U.S. Google Pay users can now send money to Google Pay users in India and Singapore via an integration with Western Union and Wise.

To send money internationally, start by searching for the Google Pay user you want to send money to, tap “Pay,” and select either Western Union or Wise. From there, you simply follow the steps to complete the payment. From now until June 16, Western Union will offer unlimited free transfers when sending money with Google Pay, and Wise will make the first transfer free for new customers on transfers up to $500.


For some, sending money back to their home countries is a regular activity and we are making it more accessible by adding it to the app that you use for your everyday money tasks. Working with Western Union and Wise, we’re now able to give those with family abroad a simple, safe and reliable way to send money abroad.

An update on our COVID response priorities

 Our teams at Google continue to support the tireless work of hospitals, nonprofits, and public health service providers across the country. Right now, we’re focused on three priority areas: ensuring people can access the latest and most authoritative information; amplifying vital safety and vaccination messages; and providing financial backing for affected communities, health authorities and other organizations.

Providing critical and authoritative information

On all our platforms, we’re taking steps to surface the critical information families and communities need to care for their own health and look after others.

Searches on the COVID-19 vaccine display key information around side effects, effectiveness, and registration details, while treatment-related queries surface guidance from ministry resources

When people ask questions about vaccines on Google Search, they see information panels that display the latest updates on vaccine safety, efficacy and side-effects, plus registration information that directs users to the Co-WIN website. You will also find information about prevention, self-care, and treatment under the Prevention and Treatment tab, in easy-to-understand language sourced from authorised medical sources and the Ministry of Health and Family Welfare. 

On YouTube we’re surfacing authoritative information in a set of playlists, about vaccines, preventing the spread of COVID-19, and facts from experts on COVID-19 care.

Our YouTube India channel features a set of playlists to share tips and information on COVID-19 care 

Testing and vaccination center locations

In addition to showing 2,500 testing centers on Search and Maps, we’re now sharing the locations of over 23,000 vaccination centers nationwide, in English and eight Indian languages. And we’re continuing to work closely with the Ministry of Health and Family Welfare to make more vaccination center information available to users throughout India.

Searching for vaccines in Maps and Search now shows over 23,000 vaccination centers across the country, in English and eight Indian languages

Pilot on hospital beds and medical oxygen availability

We know that some of the most crucial information people are searching for is the availability of hospital beds and access to medical oxygen. To help them find answers more easily, we’re testing a new feature using the Q&A function in Maps that enables people to ask about and share local information on availability of beds and medical oxygen in select locations. As this will be user generated content and not provided by authorised sources, it may be required to verify the accuracy and freshness of the information before utilizing it.

Amplifying vital safety and vaccination messages

As well as providing authoritative answers to queries, we’re using our channels to help extend the reach of health information campaigns. That includes the ‘Get the Facts’ around vaccines campaign, to encourage people to focus on authoritative information and content for vaccines. We’re also surfacing important safety messages through promotions on the Google homepage, Doodles and reminders within our apps and services.

Via the Google Search homepage and reminders within our apps and services, we are reminding people to stay safe and stay masked, and get authoritative information on vaccines

Supporting health authorities, organizations, and affected communities

Since the second wave began, we’ve been running an internal donation campaign to raise funds for nonprofit organizations helping those most in need, including GiveIndia, Charities Aid Foundation India, GOONJ, and United Way of Mumbai. This campaign has raised over $4.6 million (INR 33 crore) to date, and continues to generate much-needed support for relief efforts. 

We recognize that many more nonprofits need donations, and that Indians are eager to help where they can—so we’ve rolled out a COVID Aid campaign on Google Pay, featuring non-profit organizations like GiveIndia, Charities Aid Foundation, Goonj, Save the Children, Seeds, UNICEF India  (National NGOs) and United Way. We want to thank all our Google Pay users who have contributed to these organisations, and we hope this effort will make a difference where it matters most. 

On Google Pay people can contribute funds to non-profit organizations involved in COVID response

As India battles this devastating wave, we’ll keep doing all we can to support the selfless individuals and committed organizations on the front lines of the response. There’s a long way to go—but standing together in solidarity, working together with determination, we can and will turn the tide.  

Posted by the Covid Response team, Google India


Updated Google Pay button increases click-through rates

Posted by Soc Sieng, Developer Advocate, Google Pay

Google Pay header

An improved Google Pay button works wonders for click-through rates and the checkout experience.

The updated Google Pay button displays a user's card information, which makes the user 30% more likely to use it and increases conversions by 3.6%.

The display of the card's type and last four digits reminds the user that they already saved a payment card to their Google Account, which makes them more likely to opt for the quick and easy checkout process that Google Pay provides.

How it works

If a user configured an eligible payment method in their Google Account at the time of purchase, the Google Pay button displays the type and last four digits of their most-recently used card.

Dynamic Google Pay button

Figure 1. An example of the Google Pay button with the additional information.

Buy with Google Pay button

Figure 2. An example of the Google Pay button without the additional information.

How to enable card information

If you use the createButton API with default button options, your Google Pay button is automatically updated to include the user's card network and last four digits.

If you customized the createButton API and set buttonType to plain or short, set it to buy to make your Google Pay button display the user's card information.

If you haven’t integrated with the createButton API yet, consider doing so now so that the user knows that their payment details are a click away.

See it in action

To test the Google Pay button with other button options, check out this button-customization tool:

Next steps

To get started with Google Pay, visit Google Pay's Business Console. Make sure to use the createButton API to benefit from the new features. If you have any questions, tweet @GooglePayDevs on Twitter and use #AskGooglePayDevs.

New ways to save, commute and manage money with Google Pay

Last year, we launched a reimagined Google Pay to be a safe, simple and helpful way to pay and manage your finances. The app is full of ways to pay friends and businesses, save with offers and rewards and stay on top of your money. Today, we are announcing three ways to help you save money on groceries, pay for transit fares in more cities and better understand your spending.

Save at the grocery store

Small expenses add up, but finding ways to save on everyday items like groceries is one way to keep your budget in check. However, it can be a cumbersome task. Taking the time to look through coupons, finding the right offer, remembering to bring them with you or tracking down that promo code you saw online (where was it again?) can be tedious. 

We teamed up with Safeway to make it easy to find weekly grocery deals from the Google Pay app. You can find deals on thousands of items across more than 500 Safeway stores nationwide. You can also discover similar deals at Target stores nationwide.

Weekly deals on grocery items at Target and Safeway displayed in the Google Pay app.

Find weekly deals on groceries at Safeway and Target stores in the Google Pay app.

To find the latest grocery deals, search for Safeway or Target in the Google Pay app and tap "View Weekly Deals.'' If you’ve turned on location in Google Pay, soon the app will notify you of the weekly deals at Safeway and Target stores when you’re nearby. 

Pay for transit with Google Pay in more cities

Google Pay already supports buying and using mobile transit tickets in more than 80 cities and towns across the United States. Starting soon, we are adding Chicago and the San Francisco Bay Area to the list. In order to bring mobile ticketing to more people, we continue to expand not only to large cities, but also to dozens of smaller towns across the country through our integration with Token Transit

Soon, Google Pay users on Android will be able to access transit tickets from the app’s home screen. Tap the “Ride transit” shortcut and you will be able to purchase or add a transit card, top up the balance and pay for your fare. Once you purchase a transit card, there’s no need to unlock your phone. Just hold it to the reader and go. In cities without readers, commuters can simply show their visual tickets on their mobile devices. 

Google Pay app home screen which shows the new “Ride transit” shortcut.

Soon, you can access transit tickets through a new “Ride transit” shortcut.

See your monthly spending in just a few taps

The new Google Pay app was designed to help you stay on top of your money by providing a full view of your finances. Navigate over to the “Insights” tab for a view of your account balances and helpful insights on your spending, like upcoming bill reminders, weekly spend summaries or alerts when large transactions are made. 

As interest in social activities ramps back up, we are making it easy to keep a close eye on your spending. We recently added a fast way to see your spending by category or business. For example, if you search for “food,” you will see the amount you have spent on food this month as well as a list of all your transactions related to food. You can get even more specific, for example searching for “burgers” or for a specific business like “Burger King.” You don’t have to worry about the tedious task of categorizing or totaling your expenses; Google Pay does that for you. 

A list of all “food” related transactions from the month in the Google Pay app, and a list of all transactions from “Burger King” in the Google Pay app.

Quickly see your monthly spending by category or business.

With features like saving on groceries, paying for transit and keeping an eye on your spending patterns all in one spot, Google Pay keeps helping you manage your everyday money tasks.

New ways to save, commute and manage money with Google Pay

Last year, we launched a reimagined Google Pay to be a safe, simple and helpful way to pay and manage your finances. The app is full of ways to pay friends and businesses, save with offers and rewards and stay on top of your money. Today, we are announcing three ways to help you save money on groceries, pay for transit fares in more cities and better understand your spending.

Save at the grocery store

Small expenses add up, but finding ways to save on everyday items like groceries is one way to keep your budget in check. However, it can be a cumbersome task. Taking the time to look through coupons, finding the right offer, remembering to bring them with you or tracking down that promo code you saw online (where was it again?) can be tedious. 

We teamed up with Safeway to make it easy to find weekly grocery deals from the Google Pay app. You can find deals on thousands of items across more than 500 Safeway stores nationwide. You can also discover similar deals at Target stores nationwide.

Weekly deals on grocery items at Target and Safeway displayed in the Google Pay app.

Find weekly deals on groceries at Safeway and Target stores in the Google Pay app.

To find the latest grocery deals, search for Safeway or Target in the Google Pay app and tap "View Weekly Deals.'' If you’ve turned on location in Google Pay, soon the app will notify you of the weekly deals at Safeway and Target stores when you’re nearby. 

Pay for transit with Google Pay in more cities

Google Pay already supports buying and using mobile transit tickets in more than 80 cities and towns across the United States. Starting soon, we are adding Chicago and the San Francisco Bay Area to the list. In order to bring mobile ticketing to more people, we continue to expand not only to large cities, but also to dozens of smaller towns across the country through our integration with Token Transit

Soon, Google Pay users on Android will be able to access transit tickets from the app’s home screen. Tap the “Ride transit” shortcut and you will be able to purchase or add a transit card, top up the balance and pay for your fare. Once you purchase a transit card, there’s no need to unlock your phone. Just hold it to the reader and go. In cities without readers, commuters can simply show their visual tickets on their mobile devices. 

Google Pay app home screen which shows the new “Ride transit” shortcut.

Soon, you can access transit tickets through a new “Ride transit” shortcut.

See your monthly spending in just a few taps

The new Google Pay app was designed to help you stay on top of your money by providing a full view of your finances. Navigate over to the “Insights” tab for a view of your account balances and helpful insights on your spending, like upcoming bill reminders, weekly spend summaries or alerts when large transactions are made. 

As interest in social activities ramps back up, we are making it easy to keep a close eye on your spending. We recently added a fast way to see your spending by category or business. For example, if you search for “food,” you will see the amount you have spent on food this month as well as a list of all your transactions related to food. You can get even more specific, for example searching for “burgers” or for a specific business like “Burger King.” You don’t have to worry about the tedious task of categorizing or totaling your expenses; Google Pay does that for you. 

A list of all “food” related transactions from the month in the Google Pay app, and a list of all transactions from “Burger King” in the Google Pay app.

Quickly see your monthly spending by category or business.

With features like saving on groceries, paying for transit and keeping an eye on your spending patterns all in one spot, Google Pay keeps helping you manage your everyday money tasks.

How online payments work with Steve Klebe

Posted by Jose Ugia and Steve Klebe

intro to online payments

Steve Klebe forms partnerships that drive adoption of Google Pay. He's spent the last 9 years working for the Google Payments Business Development team, and possesses more than 40 years of experience with products and services related to payment processing, data security, and authentication.

Recently, Steve sat down for an interview with Jose Ugia, a Developer Relations Engineer on the Google Pay team.

Read the interview transcript for a deep overview of online payments.

Jose Ugia: Let’s get started with the basics. What is the typical sequence of events in processing an online credit-card payment?

Steve Klebe: This can happen in a few different ways, but let’s talk about the typical series of events:

  1. A consumer visits the merchant's website or application, and they need to pay for the items that they want to purchase.
  2. The merchant then presents an order form to the consumer with a variety of payment options, including Google Pay. The consumer presses the Google Pay button, and the information that's associated with the card that the consumer chooses to pay with is securely sent to the merchant.
  3. The merchant calls the payment processor. The processor receives the request from the merchant and uses a shared key to decrypt the information in it in the payment service provider’s secure environment.
  4. The payment processor interacts with the network that’s associated with that particular card, such as Visa, Mastercard, American Express, or Discover. Although, there are variations of networks around the world.
  5. The network consults the issuing bank, and the issuing bank checks the account to verify that it’s active and valid. If there are funds available to cover the transaction, then the transaction is approved.

The approval triggers a response chain. The network responds to the payment processor, the payment processor responds to the merchant, and the merchant responds to the consumer with something like, “Your payment has been accepted!”

This sequence of events happens in approximately 2 seconds, during which the transaction passes through multiple different systems in order to deliver a response to the consumer.

Jose Ugia: Most developers and businesses don’t think about these steps. When you think about chargebacks and fraud, this information is especially useful.

The next question is related to a concept that goes by many names in the industry. It's what we call a PSP or payment service provider, but others refer to it as a payment processor, payment provider, or payment gateway. What is this concept and why are there so many different terms for it?

Steve Klebe: Things evolve and sometimes different entities in the ecosystem create their own terms to differentiate themselves. It’s a big challenge in the payments industry; there are many terms for the same concepts.

The term PSP has an official meaning in the ecosystem, and it can represent companies that take on different roles in the payment sequence, which I outlined in the first question. However, we kept things simple for our merchant and developer partners. PSP defines the initial link between the merchant and the network, regardless of their roles. The role of the PSP is to make sure the merchant is legitimate and categorize the merchant as a retail store, restaurant, or something else.

The PSP is the entity through which the money flows, from the card issuer through the networks to the PSP. They provide consolidated reporting to the merchant and—most people don’t realize this—they also often hold the financial responsibility. If the merchant is fraudulent or goes out of business and there are lingering transactions, the PSP assumes financial responsibility for the merchants.

Jose: So, if I’m planning to accept payments online, do I need a PSP?

Steve Klebe: Yes, you absolutely need to have a PSP, but it doesn't matter to you as a merchant if the PSP is an official processor or a licensed agent of a processor.

Jose: Are there specific considerations that I have to account for as a merchant or developer when I choose a PSP to process credit-card payments?

Steve Klebe: Sometimes it’s tied to the shopping cart of your e-commerce platform, most of which embed one or more PSPs into their systems. Sometimes, the decision has been made for you. Other times, you have flexibility to choose whatever you want. Different PSPs have different expertise in different types of payments. For example, if you’re a merchant who focuses on a subscription model, there are certain PSPs who handle these types of payments better than others. If you’re going to sell globally, you need to pick a PSP with the maximum ability to support alternative payment methods from other countries. If you’re a restaurant and you need to do in-store and online payment processing, not all PSPs are equal in their ability to support different types of channels.

So, do some research, talk to peers in your industry to find out who they use and whether they’re satisfied, and make an intelligent choice. It can have fairly significant consequences if you need to do online ordering, but you picked a PSP who is competent at in-store purchases and doesn’t take e-commerce seriously.

Jose: Are you suggesting that I might need to integrate multiple PSPs to cover different scenarios?

Steve: Yes. Using multiple PSPs is not unusual. If you need to cover different scenarios, such as subscription payments, in-person payments, or online payments then this can be very common. If you need to change your PSP, it can affect you later. Your PSP choice becomes intertwined with your back-office operations and fulfillment. It’s not just an API; it becomes integrated into all aspects of the business supply chain, including customer servicing, revenue recognition, etc. and switching isn't easy.

Jose: I’ve seen some PSPs offering something called “hosted checkout”. How does that differ from a regular integration in my website or application?

Steve Klebe: There are typically two approaches: you integrate your PSP's API and you as the merchant typically control the checkout process directly with the consumer. In the case of Google Pay, you can add the Google Pay button to your checkout pages. That's typically used by medium-to-large merchants, while smaller merchants tend to gravitate towards this concept called a hosted order page, which has some limitations because the checkout occurs on a page that the PSP hosts and different PSPs have different hosted-order-page capabilities.

If you’re an API merchant, for your non-Google Pay transactions you have a responsibility to protect the card information of your customers. With a hosted order page, all the sensitive information is being hosted on a page from the PSP. The penalties for having card information stolen from your servers are very severe, so hosted order pages are popular, flexible, and customizable.

In Europe, hosted checkouts are popular because commerce is complicated with more than 20 countries, different currencies, and payment methods. A US merchant could survive with a much simpler array of payment options if the merchant plans to only sell within US borders.

We work with most major PSPs globally and have them implement Google Pay as a default option for hosted checkouts. Usually, this is enabled by default but the PSP gives the merchant a choice to opt out.

Jose: What are e-wallets, digital wallets, and other payment facilitators, and how do they differ from a PSP.

Steve Klebe: There are a lot of acronyms, and they can start blending together and sounding the same to someone new to the space. The metaphor for a digital wallet was originally developed to represent that whatever is in your physical wallet would ultimately be in your digital wallet. While PSPs facilitate online transactions, digital wallets are a form of payment. There are many benefits to offering a digital wallet like Google Pay. One of the most obvious being the ability for customers to checkout quickly, without needing to re-enter credit card and billing information for every single transaction .

In the case of Google Pay, you can store loyalty cards, boarding passes, payment cards, and receipts in your digital wallet and use it to transact in physical stores, online websites and applications alike. The metaphor has played out, but there are a lot of differences within the broad category of alternative payment methods and digital wallets.

Those differences are evolving. Today, we have Google Pay, Apple Pay, PayPal, Samsung Pay, WeChatPay, Alipay and others. In some cases, the app or the account is only a container for credentials. In other cases, it's the account of record for your money. For example, in Asia, you see the popularity of Alipay and WeChat Pay, which are actually like bank accounts. In India, the Google Pay for India app connects directly to the consumer’s bank account, and initiates the movement of money to the merchant’s bank account.

Jose: What is a tokenized card and how does it affect online transactions?

Steve Klebe: The word tokenization is a loaded word in our industry and it creates a bunch of confusion. Tokenization and encryption (which are sometimes confused) came about because of the growing popularity of cards, and the growing use and misuse of cards by people with good and bad intentions.

The concept of exchanging a card number with a token is applied by various parties at different stages of an online transaction:

Tokenization, at the network level, came about after the industry established a standard for protecting card data that’s now referred to as PCI, which is an industry consortium funded by the major card brands that established a single standard for security.

Similarly, to assist merchants with complying with PCI, most PSPs came up with a proprietary scheme to take the card number from the merchant and give the merchant a token or reference number. The PSP, within its secure environment, would hold the card and the merchant wouldn’t need to handle it anymore. This became a dominant approach after PCI took effect.

In addition, there are two types of tokens that are used at the network level:

Device-based tokens or DPAN

When you want to use an existing card on your phone as a payment method, the call gets made to the associated network, which then calls the bank that issued the card. A call then comes back to authenticate the consumer and the most common step is the consumer is asked to enter a one time passcode they received through text. After the bank confirms your identity, it sends a signal to the network and approves your card for digital payments. The network then takes the account number, converts it to a token, and returns it to your wallet provider who securely stores it on the phone.

E-commerce tokens

This is a brand new concept where a product like Google Pay, which helps to securely store millions of cards in its cloud, delivers them to the network for conversion to a token. The network validates the status of the card with the issuing bank, turns them into e-commerce tokens, and returns the tokens to Google. Now, when you shop on any device, Google can use one of these e-commerce tokens because the network and issuer authenticated them. Even if the underlying card changes completely or the expiration date gets updated, this all happens behind the scenes. This is not only convenient for customers, but it also helps protect their card and transaction information by keeping the actual credit card number unexposed and including a dynamic element that is different for every transaction.

Jose: What is the future of payments going to bring? What are you most excited about?

Steve Klebe: I would say, due to the changes our world is going through, we are rethinking how payments are changing. It’s hard to know what the ultimate impact will be, but it's been about mobile optimization during the last couple years. Every merchant and PSP realizes that they have to enhance their digital offerings, but it’s not going to be any one individual thing. I think it’s the entire holistic experience, whether it’s web, mobile, or in-store. All of a sudden, every merchant realizes that they need to be prepared to do payments contactlessly. Even if the consumer is standing in front of you, you have to be prepared to handle the payment without contact.

There is a clear divide between card present and card not present, and those areas are now blending together. The card industry doesn’t care whether the person is in front of you. If a payment is made digitally, there are alternative rules that apply to the merchant. Merchants need to be extremely cognizant of these rules and they need to do everything they can to optimize how they accept payments.

An exception would be where you can start shopping with a merchant on your desktop and complete transactions elsewhere while your goods remain in your shopping cart. Their systems have to be capable of multiplatform payments and that requires a fresh look at who your PSPs are because not all PSPs provide such capabilities.

Device-bound tokens are very 1990ish. The whole world is moving to the cloud. A device bound token needs to be reprovisioned every time I get a new phone, which is typically every 1-2 years, and that has to change. We live in a cloud-based world and people expect to authenticate themselves and start doing business, and payments have to work this way, too.

Jose: Thank you for the chat, Steve. It sounds like payments are changing a lot, adapting to the evolution of technology and we’re excited to see where these changes take us.

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Interested in learning more about Google Pay APIs or have questions? Follow us @GooglePayDevs and let us know in the comments or tweet using #AskGooglePayDev! For any other Google Pay-related requests and questions, or to start your Google Pay integration, visit Google Pay Business Console.

All aboard: More ways to pay for parking and transit

People all over the world turn to Google Maps to get things done — especially during the pandemic. From booking an online yoga class to ordering takeout from your favorite restaurant —Google Maps is a powerful sidekick that lets you accomplish tasks all throughout your day. Today, we have new tools in collaboration with Google Pay to help you get more done when you’re on the go: the ability to pay for street parking and transit fares right from Google Maps, without ever taking out your wallet. 


Keep it clean and easy  🧼 🖐️


These days, people are upping their hand sanitizing game and avoiding touching public surfaces as much as possible. Thanks to an integration with parking solutions providers Passport and ParkMobile, you can now easily pay your meter right from driving navigation in Maps, and avoid touching the meter altogether. Simply tap on the “Pay for Parking” button that appears as you near your destination. Then enter your meter number, the amount of time you want to park for, and tap “Pay.” Need to add more time to your meter? Easily extend your parking session with just a few taps.


pay for parking

Pay for parking right from Google Maps

Save time and grab a ride 🚌🏃


We’re expanding the ability to pay for transit fares from Maps for over 80 transit agencies around the world. Now you'll be able to plan your trip, buy your fare, and start riding without needing to toggle between multiple apps. You can understand how to pay in advance and even get your fare ready to go before you arrive at the station - which is helpful when you’re not sure what payment options a transit agency supports. When you get transit directions, you’ll see the option to pay with your phone with the credit or debit cards already linked to your Google Pay account. And in places like the San Francisco Bay Area, you’ll also be able to buy a digital Clipper card directly from Google Maps. Once you’ve purchased your fare, all you need to do is tap your phone on the reader or show your digital ticket to breeze on board.






pay for transit

Plan a trip, purchase a fare, and start riding - all from Google Maps.

No matter how you’re getting around these days, Google Maps can help you get there effortlessly. Pay for parking starts rolling out today on Android in 400+ cities in the U.S, (including Boston, Cincinnati, Houston, Los Angeles, New York, Washington D.C, and more) with iOS coming soon. The ability to pay for transit from Google Maps expands to 80 agencies globally on Android in the coming weeks.