Use GooglePay™

GooglePay^TM has over 150 million users across 42 global markets using the app each month. The wallet is used on nearly 800.000 websites as a secure payment gateway. Roughly 20% of all mobile purchases are made using this digital payment gateway.

Availability

To check in which countries or regions you can use Google Pay, read more on availability and geographical coverage here. If you need more information on Google Pay, you can also refer to these Google resources:

• Here is the documentation for Android: Google Pay API terms of service, Tutorial, Brand guidelines for Android, Integration checklist for Android, Google Pay implementation for Google Pay API for Android

• Here is the documentation for web: Google Pay API terms of service, Tutorial, Brand guidelines for Web, Integration checklist for web, Google Pay implementation for Google Pay API for Web

• Here are the Google policies: All merchants are required to follow the Google Pay and Wallet API's Acceptable Use Policy and accept the terms defined in the Google Pay API Terms of Service.

Supported features

Since Google Pay is not a classical payment method, but a digital wallet, the supported features depend on the payment means that are used.

Furthermore, the merchant can only accept payment methods that are activated on the specified terminal ID.

The payment means within the wallet are then processed via the normal processors.

For example, if a cardholder selects his Visa card, the card is then processed as such, through Google Pay as the wallet.

Only Visa, Mastercard, and American Express are supported through Google Pay at this point.

Supported Google Pay Features

Within Google Pay itself, 2Checkout Supports the following feature set:

Feature	Via Payment Page	Via Server-To-Server
Pay with Cryptogram	✅	✅
Pay with PAN only	✅	✅
3-D Secure	✅	✅
(Cryptogram/PAN only)	✅	✅

The Difference between PAN only and Cryptogram lies in the way authentication/3D Secure is handled:

PAN Only: 3DS/Authentication is handled through 2Checkout.

Cryptogram: Authentication is handled by the device, e.g. by using the devices fingerprint sensor. This is limited to Android devices, using the Google Chrome browser! All other devices and browsers will always chose PAN Only!

Supported currencies

GooglePay^TM supports EUR, USD, GBP, CHF, DKK, NOK and SEK transactions.

Workflow

1. Follow the Google Pay Web documentation (https://developers.google.com/pay/api/web/overview) to add a Google Pay button to your web page.

2. Use 2Checkout's Google merchant ID when building the merchantInfo object.

   {
     "merchantInfo": {
       "merchantId": "BCR2DN6T2OAK7HIW"
     }
   }

3. Set gateway to verifone and gatewayMerchantId to your 2Checkout's gateway ID found below when building the tokenizationSpecification object.

   {
   "allowedPaymentMethods": [ 
               { 
                 "type": "CARD", 
                 "parameters": { 
                   "billingAddressRequired": true, 
                   "billingAddressParameters": { 
                     "phoneNumberRequired": true, 
                     "format": "MIN" 
                   }, 
                   "allowedCardNetworks": [“VISA”,”MASTERCARD”,”AMEX”], 
                   "allowedAuthMethods": [“PAN_ONLY”,”CRYPTOGRAM_3DS”] 
                 }, 
                 "tokenizationSpecification": {...} 
               },
                "tokenizationSpecification": {
               "type": "PAYMENT_GATEWAY",
               "parameters": {
                 "gateway": "verifone",
                 "gatewayMerchantId": "1ab01f9d-10a6-43fe-9c9e-941798a0813b"
               }
             }
           }

GooglePay supports two authorization methods:

- PAN_ONLY: physical card stored in Google Pay™

- 3DS required: yes (managed by 2Checkout)

- CRYPTOGRAM_3DS: device-tokenized card

- 3DS required: no (authenticated by Google Pay™)

1. After the shopper authorizes the payment, pass the token from the Google response to Verifone to process the payment. To do this, encode the token to base64 and add it to the placeOrder call payload in the PaymentToken property.

2. When the customer completes the Google Pay payment sheet, Google returns a PaymentData response object. Extract the encrypted token from:

PaymentMethodData.tokenizationData.token  

Encode the token value to Base64, then pass it to the placeOrder API call in the PaymentToken field:

{ 

 "PaymentDetails": { 

   "Type": "GOOGLEPAY", 

   "PaymentToken": "<Base64-encoded token from paymentMethodData.tokenizationData.token>" 

 } 

} 

1. Go-live

Request parameters

Parameter	Type/Description
sessionID	Required (string) Session identifier, the output of the Login method. Include sessionID into all your requests. 2Checkout throws an exception if the values are incorrect. The sessionID expires in 10 minutes.
Order	Required (object) Object designed to collect all data necessary for an order, including billing, product/subscription plan and payment details. See code sample for more details.

Request sample

<?php
declare(strict_types=1);
class Configuration
{
    public const MERCHANT_CODE = 'your_code';
    public const MERCHANT_KEY = 'SECRET_KEY';
    public const URL = 'https://api.2checkout.com/rpc/6.0';
    public const ACTION = 'placeOrder';
    //array or JSON
    public const PAYLOAD =  <<<JSON
{
  "Currency": "usd",
  "Language": "en",
  "Country": "us",
  "Source": "API",
  "Affiliate": {
        "AffiliateCode": "ABCDE1234"
  },
  "Items": [\
    {\
      "Code": "WP1",\
      "Quantity": 2\
    }\
],
  "BillingDetails": {
    "Address1": "Test Address",
    "City": "LA",
    "State": "California",
    "CountryCode": "US",
    "Email": "[e-mail]",
    "FirstName": "Customer",
    "LastName": "2Checkout",
    "Zip": "12345"
  },
  "PaymentDetails": {
        "Type": "GOOGLEPAY",
        "Currency": "USD",
        "PaymentMethod": {
            "RecurringEnabled": true,
            "PaymentToken": "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"
        }
    }
}
JSON;

}
class Client
{
    private const LOGIN_METHOD = 'login';
    private $calls = 1;
    private $sessionId;

    private function generateAuth(): array
    {
        $merchantCode = Configuration::MERCHANT_CODE;
        $key = Configuration::MERCHANT_KEY;
        $date = gmdate('Y-m-d H:i:s');
        $string = strlen($merchantCode) . $merchantCode . strlen($date) . $date;
        $algo = 'sha256';
        $hash = hash_hmac($algo, $string, $key);
        return compact('merchantCode', 'date', 'hash', 'algo');
    }

    public function login(string $url)
    {
        $payload = $this->generateAuth();
        $response = $this->call($url, array_values($payload), self::LOGIN_METHOD);
        $this->sessionId = $response['result'];
    }

    public function call(
        string $url = Configuration::URL,
        $payload = Configuration::PAYLOAD,
        string $action = Configuration::ACTION
    ): ?array {
        if (empty($this->sessionId) && $action !== self::LOGIN_METHOD) {
            $this->login($url);
        }
        if(is_string($payload)) {
            $payload = json_decode($payload, true);
        }
        if (!empty($this->sessionId)) {
            $payload = [$this->sessionId, $payload];
        }
        $payload = array_filter($payload);
        $request = json_encode([\
            'jsonrpc' => '2.0',\
            'method' => $action,\
            'params' => $payload,\
            'id' => $this->calls++,\
        ]);
        $curl = curl_init($url);
        curl_setopt($curl, CURLOPT_POST, 1);
        curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, 0);
        curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, 0);
        curl_setopt($curl, CURLOPT_SSLVERSION, 0);
        curl_setopt($curl, CURLOPT_RETURNTRANSFER, 1);
        curl_setopt($curl, CURLOPT_HTTPHEADER, array('Content-Type: application/json', 'Accept: application/json', 'Cookie: XDEBUG_SESSION=PHPSTORM'));
        curl_setopt($curl, CURLOPT_POSTFIELDS, $request);
        $response = curl_exec($curl);
        if(empty($response)) {
            die('Server unavailable');
        }
        echo $response . '</br>';
        return json_decode($response, true);;
    }
}
$client = new Client();
$result = $client->call();
var_dump($result);
}

Response parameters

Parameter	Type / Description
Order information	Object Object containing order information.

Response sample

{
    "RefNo": "74980739",
    "OrderNo": 0,
    "ExternalReference": "1692609928",
    "ShopperRefNo": null,
    "Status": "AUTHRECEIVED",
    "ApproveStatus": "WAITING",
    "VendorApproveStatus": "OK",
    "MerchantCode": "uniqueVendorCode123",
    "Language": "en",
    "OrderDate": "2023-08-21 13:26:10",
    "FinishDate": null,
    "Source": "API",
    "WSOrder": null,
    "HasShipping": false,
    "BillingDetails": {
        "FirstName": "John",
        "LastName": "Doe",
        "Company": "Wayne corp",
        "Email": "[e-mail]",
        "Address1": "Street 223",
        "Address2": null,
        "City": "Bucharest",
        "Zip": "10460",
        "CountryCode": "ro",
        "State": "Bucharest",
        "FiscalCode": null,
        "TaxOffice": null,
        "Phone": null
    },
    "DeliveryDetails": {
        "FirstName": "John",
        "LastName": "Doe",
        "Company": "Wayne corp",
        "Email": "[e-mail]",
        "Address1": "Street 223",
        "Address2": null,
        "City": "Bucharest",
        "Zip": "2002",
        "CountryCode": "ro",
        "State": "Bucharest",
        "Phone": null
    },
    "PaymentDetails": {
        "Type": "GOOGLEPAY",
        "Currency": "usd",
        "CustomerIP": "172.18.0.1"
    },
    "CustomerDetails": null,
    "Origin": "API",
    "AvangateCommission": 0,
    "OrderFlow": "REGULAR",
    "GiftDetails": null,
    "PODetails": null,
    "ExtraInformation": null,
    "PartnerCode": null,
    "PartnerMargin": null,
    "PartnerMarginPercent": null,
    "ExtraMargin": null,
    "ExtraMarginPercent": null,
    "ExtraDiscount": null,
    "ExtraDiscountPercent": null,
    "LocalTime": null,
    "TestOrder": false,
    "FxRate": 1,
    "FxMarkup": 0,
    "PayoutCurrency": "USD",
    "DeliveryFinalized": false,
    "Errors": null,
    "Items": [\
        {\
            "PurchaseType": "PRODUCT",\
            "Code": "M5S5M35YX1",\
            "ExternalReference": "",\
            "Quantity": 1,\
            "PriceOptions": [],\
            "SKU": null,\
            "Price": {\
                "Currency": "usd",\
                "NetPrice": 10,\
                "GrossPrice": 11.9,\
                "NetDiscountedPrice": 10,\
                "GrossDiscountedPrice": 11.9,\
                "Discount": 0,\
                "VAT": 1.9,\
                "AffiliateCommission": 0,\
                "UnitNetPrice": 10,\
                "UnitGrossPrice": 11.9,\
                "UnitVAT": 1.9,\
                "UnitDiscount": 0,\
                "UnitNetDiscountedPrice": 10,\
                "UnitGrossDiscountedPrice": 11.9,\
                "UnitAffiliateCommission": 0,\
                "ItemUnitNetPrice": null,\
                "ItemUnitGrossPrice": null,\
                "ItemNetPrice": null,\
                "ItemGrossPrice": null,\
                "VATPercent": 19,\
                "HandlingFeeNetPrice": 0,\
                "HandlingFeeGrossPrice": 0\
            },\
            "CrossSell": null,\
            "Trial": null,\
            "AdditionalFields": null,\
            "Promotion": null,\
            "RecurringOptions": null,\
            "SubscriptionStartDate": null,\
            "SubscriptionCustomSettings": null,\
            "UpSell": null,\
            "ProductDetails": {\
                "Name": "AntiVirus123Subscription",\
                "ShortDescription": "",\
                "Tangible": false,\
                "IsDynamic": false,\
                "ExtraInfo": null,\
                "RenewalStatus": false,\
                "Subscriptions": null,\
                "DeliveryInformation": {\
                    "Delivery": "NO_DELIVERY",\
                    "DownloadFile": null,\
                    "DeliveryDescription": "",\
                    "CodesDescription": "",\
                    "Codes": []\
                }\
            },\
            "LineItemReference": "2bc911a264d3b92750fbd06363465f408f2a89d8"\
        }\
    ],
    "Promotions": [],
    "AdditionalFields": null,
    "Currency": "usd",
    "NetPrice": 10,
    "GrossPrice": 11.9,
    "NetDiscountedPrice": 10,
    "GrossDiscountedPrice": 11.9,
    "Discount": 0,
    "VAT": 1.9,
    "AffiliateCommission": 0,
    "CustomParameters": null,
    "Refunds": null,
    "ContainsRenewableProducts": null,
    "RequestDeliveryData": false
}