September 17, 2019
Google Pay API Explained

Google Pay API Explained


E-commerce is growing at a tremendous rate. However, online conversion
is still a big problem. Long checkout forms
often lead to frustration, especially as customers
increasingly turn to their mobile devices for various e-commerce activities. It’s no surprise that 69% of users today
drop out of the checkout process before the purchase has been completed. With Google Pay API, we want to help you
make your checkout experience easier, allowing users to pay
with many forms of payments stored in their Google account, including credit and debit cards– whether your customers
are shopping at a physical store, or online in your apps or websites. Today, there are hundreds of millions
of payment methods, billing and shipping addresses
saved to Google accounts. Users have stored this information when making purchases on apps,
like the Play Store, YouTube, or shopping the web using Chrome. We call them ready-to-pay users. Google Pay API enables you to call up
their information in a secure way and allow your customers to check out
with the click of a button. Having customers who are just a tap away
from performing a financial transaction is not only convenient, but also sets the merchant up
to take on smart technologies, such as Google Home
or other connected devices, preparing your app
for voice-powered transactions. The Google Pay API can be implemented
in just under a week, and it works with your existing
payments processing stack, making this integration really simple. There are also no additional charges
added to your standard processor fees. We’ve partnered with many leading gateways
and processors around the world, with more coming soon. Check out g.co/pay/processors
for the updated list. Now, let’s have a quick look
at how the Google Pay API works. Once a user clicks on the Google Pay button, the Google Pay API initiates a request
to Google servers. With this request, your app passes
the name of your processor among other parameters. Google uses the processor’s public key
to encrypt the response and sends a chargeable
payment token back to you for use with your processor. Now that the processor
has the payment information, it can use it the same way as if it came from the user’s input directly. So, to summarize, with Google Pay API, hundreds of millions of customers
around the world who save their payment
information with Google, can now pay on your apps or websites
with the click of a button. Your customers’ payment data
is end-to-end encrypted from Google servers
to your payment processor. This means Google Pay simplifies
how you handle this otherwise sensitive data. Customers can check out
using any device or platform. The integration of the API is simple
and can be completed in just a few days. Check out the video
Google Pay API Implementation Demo to learn more. You can find additional useful resources
in the video description below, which can help you further optimize
your e-commerce experience and find more information
on how we are continuously committed to adding new payment credentials,
loyalty programs, and more, for the convenience of your users. Google Pay– a better way to pay by Google! ♪ (music) ♪

39 thoughts on “Google Pay API Explained

  1. Would be interesting to see some data on what customers prefer, In 2018 what is the best strategy? Implement google pay, paypal and stripe? or maybe skip some step? Not everyone want's to make a google account. Would be really cool to see some statistics as this is a tricky thing to get right. Originally I was leaning towards only using stripe but I really love this google pay system.

  2. When can I find some people who have the knowledge that I need to exceed expectations of myself? Creation of a similar celebration in a whisper could have major consequences for the lives of millions. Like the sound of a prison with a laugh that you know for a fact that it's fake or evil to the core, something like that do everything possible to turn back into the salt of someone's sandwich! Fakes don't want em don't need em.

  3. Google Pay should be widely available to Bangladesh as we don't have PayPal. And customers should've easy service to load their balance.

  4. Interesting, but how its communicate with all these newly built emerging Wallet Service, I mean "Cross App Transaction"; let's say someone is chatting/communicating from 'Google Allo to WhatsApp' while using the internet (forget encryption, that could be considered later on)……!!!

  5. Indian Govt. developed it's own payment mechanism which is more faster and easier than this Google Pay. It's called UPI (Unified Payment Interface). And man it's so good that Google Pay for India is built on top of the same UPI. In fact all payments app in India have Pay using UPI option.

    Now! I'm not saying Google is late to take inspiration or anything but just stating the obvious fact about how India is far ahead when it comes to developing payment mechanisms. Don't bash me in replies talking about PayPal, Stipe etc. coz they not even close to UPI when it comes to instant payments using any bank account you have. Govt. has all the data so payment takes few clicks. Good to see Google taking inspiration from UPI model of payment. I'm sure it'll include more features on top of UPI in Google Pay (India)

    History: Unified Payment Interface (UPI) was launched by Prime Minister of India at Digi Dhan mela in New Delhi on 30 December 2016

    P.S. Dear Indians don't add your political views here. UPI was developed by Indians and you should be proud of that.

  6. Google pay is not reliable product..for failed transactions u will not response
    .dont use for large amount transactions

  7. Google pay is the worst. It isn't secure, they refuse to assist with fraudulent charges and the customer service line is a joke.

  8. I'm an app developer
    How can I install my app woth google payment ?? Bcoz I my country is a lack of digital infrastructure, pleass let me know.

  9. Do we need to pay charges to use Google pay api in website .. Like set up charge or tax in per transaction… Anyone having any idea??plzz help

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