Overview
Google Pay is a digital wallet platform and online payment system that powers in-app, tap-to-pay, and website purchases. It enables users to make payments online from the Web and with Android phones, tablets and watches. Because Google Pay represents a significantly different workflow than that used with traditional payment methods, it’s important to first understand how it works before integrating with CardCom.
How Google Pay works with CardCom
When a customer adds a credit or debit card to their Google Pay app, Google Pay requests a token, from the bank that issued that card, to represent the card being added. Once the token is issued, this card is now “tokenized,” meaning it has a unique identification number associated with it. Google Pay encrypts the newly tokenized card and it is ready to be used for payments. At the time of sale, Google Pay sends the customer’s tokenized card and a cryptogram, which acts as a one-time-use password used in the encryption process, to the merchant app along with basic transaction information. The next step, typically handled by the merchant app when using a traditional workflow without CardCom, is to decrypt the payload from Google and send the payment token and related transaction information to a supporting processor. The token is sent to the relevant API for proccessing.
The overall transaction flow is very similar to the traditional Google Pay process. The only difference is that CardCom receives the encrypted Google Pay payload from an iframe, integrated into a merchant web app and is responsible for decrypting the payment token and charging the credit card. Meanining that CardCom acts as a gateway ,a merchant (Hosted Checkout) and a traditional payment gateway.
Goolge Pay button is integrated in the Low Profile Landing pages and the new Landing pages (aka new design). In the old landing pages Google Pay is not supported.
Important resources
Since we support web merchant (via Hosted Checkout), please be familiar with the following documentation:
Google Pay Web developer documentation , Google Pay Web integration checklist , Google Pay Web Brand Guidelines .
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- Merchants can't enable 3DS for PAN_ONLY credentials for Google Pay API
- Gateway Id: cardcom, gateway name: cardcom. TBD: merchant Id and merchant name.
- Authorization methods we accept:
Local brand - approved via Shva Israel switch company.
International issuers - transaction being apporved by masetercard / visa net after country of origin checked in blocked country list. - Supported credit card networks are: American Express, Mastercard and Visa.
- There is no requirement of billing address.
- Working with the payment API:
Merchants are hosting Cardcom payments page / iframe, or using Cardcom's Landing Pages solutions. Google encrypted payment data and transaction data sent by cardcom only to the servers via API calls. Developers can't use the API directly.
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Permissions
In order to enable users to pay via Google Pay button in new Landing Pages (Vue.js project), one must first enable the Google Pay on terminal permissions as described in terminal permissions.
After that the button will be available on supported devices.
- Log in to your account.
- Go to "current operations" => 4.payment Landing Pages (פעולות שוטפות => דפי מחיתה לתשלום).
- Create a new landing page or use an existing one.
- At a checkout page a Google pay button will be present.
Permissions
In order to enable users to pay via Google Pay button in "Low Profile" deal landing pages, one must first enable the Google Pay on terminal permissions as described in terminal permissions.
After that the button will be available on supported devices.
General usage
Generate a "Low profile Deal" as usual. Use the following link to generate a deal (in production) using testing account:
This will redirect you to a new generated Low Profile page that will include a Google Pay button.
Make sure you are logged in with your Google account and add a credit card to your account.
Use the Google Pay button to complete the transaction, it will execute the existing logic after decrypting the Google Pay payload.
This guide will help to to enable Google Pay button in purchase pages accross the system.
In Order to toggle the Google Pay permission button:
- Log in to your account
- Click on Main => Terminal List ראשי => רשימת מסופים
- Choose a terminal you wish to esit and click the options icon
- Click on GooglePay
- A dedicated pop-up will apppear, mark the 'active' checkbox and save.
After enabling Google Pay for your terminal, go to Terminal edit (pencil icon next to the settings) and male sure the Google Pay logo will appear in your landing pages.
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