Google Pay on Android
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Accept Google Pay in your Android application using Finix.

This guide details how to get started accepting Google Pay on Android devices using Finix.

Dues and Assessments

We recommend that you pass the address field listed in the steps below. If the address is not passed, you will be charged additional dues and assessments per transaction from the card network.

Step 1: Onboard with Google

Start by familiarizing yourself with the prerequisites for using Google Pay with Finix.

Step 2: Define Google Pay API Version

Declare the version of the Google Pay API that your application uses. The major and minor versions affect the fields expected in each passed object and are included in the response.

Create a base request object that contains properties that are present in all other request objects.

Google Pay API Version

private val baseRequest = JSONObject()
    .put("apiVersion", 2)
    .put("apiVersionMinor", 0)

Step 3: Request a Finix Payment Token

Now that you've defined your Google Pay API Version, request a Finix payment token.

gateway should be set to finix
gatewayMerchantId should be set to the application owner identity or merchant owner identity. To choose the appropriate Identity ID, see Choose Merchant Identifier Value.

Google Pay Tokenization Specification

private fun gatewayTokenizationSpecification(): JSONObject {
    return JSONObject().apply {
        put("type", "PAYMENT_GATEWAY")
        put("parameters", JSONObject(mapOf(
                "gateway" to "finix",
                "gatewayMerchantId" to "IDxxx")))
    }
}

Step 4: Define Allowed Card Networks

Now that we've requested a Finix payment token, you can set which card networks will be accepted on your site.

Google Pay Allowed Card Networks

private val allowedCardNetworks = JSONArray(listOf(
        "AMEX",
        "DISCOVER",
        "INTERAC",
        "JCB",
        "MASTERCARD",
        "VISA"))

Defining allowedCardAuthMethods sets the authentication methods supported by your site and gateway.

Google Pay Allowed Card Auth Methods

private val allowedCardAuthMethods = JSONArray(listOf(
        "PAN_ONLY",
        "CRYPTOGRAM_3DS"))

For both PAN_ONLY and CRYPTOGRAM_3DS authorization methods, support for 3D Secure is dictated by the processors you integrate with in allowedCardNetworks. Finix accepts both PAN_ONLY and CRYPTOGRAM_3DS authorization methods.

Step 5: Describe Allowed Payment Methods

After you've defined the supported payment card networks, you need to describe your allowed payment methods. You can do this with the following steps:

Combine allowedAuthMethods and allowedCardNetworks to describe how your application supports the CARD payment method.
Extend the baseCardPaymentMethod object and describe the information you expect to be returned to your application. Include a description of the tokenized payment data.

Google Pay Payment Methods

private fun baseCardPaymentMethod(): JSONObject =
    JSONObject()
        .put("type", "CARD")
        .put("parameters", JSONObject()
                .put("allowedAuthMethods", allowedCardAuthMethods)
                .put("allowedCardNetworks", allowedCardNetworks)
                .put("billingAddressRequired", true)
                .put("billingAddressParameters", JSONObject()
                        .put("format", "FULL")
                )
        )
private val cardPaymentMethod: JSONObject = baseCardPaymentMethod()
    .put("tokenizationSpecification", gatewayTokenizationSpecification)

Step 6: Create a PaymentsClient Instance

Create a PaymentsClient instance to interact with the Google Pay API.

PaymentsClient Instance

fun createPaymentsClient(context: Context): PaymentsClient {
    val walletOptions = Wallet.WalletOptions.Builder()
        .setEnvironment(Constants.PAYMENTS_ENVIRONMENT)
        .build()

    return Wallet.getPaymentsClient(context, walletOptions)
}

Step 7: Check Readiness to Pay with Google Pay

Now that you've described your allowed payment methods, you need to check readiness to pay with the Google Pay API. To check readiness to pay with Google Pay's API:

Add allowedPaymentMethods to the baseRequest object.
Call isReadyToPay() to determine if the user can make payments with the Google Pay API.

Google Pay Readiness Check

fun isReadyToPayRequest(): JSONObject? =
    try {
        baseRequest
            .put("allowedPaymentMethods", JSONArray().put(baseCardPaymentMethod()))
    } catch (e: JSONException) {
        null
    }

private fun possiblyShowGooglePayButton() {
    val isReadyToPayJson = PaymentsUtil.isReadyToPayRequest() ?: return
    val request = IsReadyToPayRequest.fromJson(isReadyToPayJson.toString()) ?: return
    // The call to isReadyToPay is asynchronous and returns a Task. We need to provide an
    // OnCompleteListener to be triggered when the result of the call is known.
    val task = paymentsClient.isReadyToPay(request)
    task.addOnCompleteListener { completedTask ->
        try {
            completedTask.getResult(ApiException::class.java)?.let(::setGooglePayAvailable)
        } catch (exception: ApiException) {
            // Process error
            Log.w("isReadyToPay failed", exception)
        }
    }
}

Step 8: Add Google Pay Button

Now that you've checked readiness to pay with Google Pay API, you can add a Google Pay payment button to your website.

For information about the different button types and display requirements, see Google's Brand guidelines.
To try all the different Google Pay buttons, see Google Pay's interactive demo.

Google Pay Button

PayButton(
    modifier = Modifier
        .testTag("payButton")
        .fillMaxWidth(),
    onClick = onGooglePayButtonClick,
    allowedPaymentMethods = PaymentsUtil.allowedPaymentMethods.toString()
)

Jetpack Compose Element

Note: To use the Jetpack Compose element, add the com.google.pay.button:compose-pay-button library to the list of dependencies in your Gradle build file. For more information see Google Pay Payment Button

If you’re adding the Google Pay button via XML, be sure to initialize it in your Android activity along with other UI elements.

Initialize Google Pay Button

override fun onCreate(savedInstanceState: Bundle?) {
  super.onCreate(savedInstanceState)

  // Use view binding to access the UI elements
  layout = ActivityCheckoutBinding.inflate(layoutInflater)
  setContentView(layout.root)

  // Setup buttons
  googlePayButton = layout.googlePayButton
  googlePayButton.initialize(
      ButtonOptions.newBuilder()
          .setAllowedPaymentMethods(PaymentsUtil.allowedPaymentMethods.toString()).build()
  )
  googlePayButton.setOnClickListener { requestPayment() }

  // Check Google Pay availability
  model.canUseGooglePay.observe(this, Observer(::setGooglePayAvailable))
}

Step 9: Create a Payment Data Request

After creating a Google Pay payment button, you need to create a PaymentDataRequest object. The PaymentDataRequest takes in information about the merchant and transaction which is required to start the payment process with Google Pay.

paymentDataRequest

private fun getTransactionInfo(price: String): JSONObject =
    JSONObject()
        .put("totalPrice", price)
        .put("totalPriceStatus", "FINAL")
        .put("countryCode", Constants.COUNTRY_CODE)
        .put("currencyCode", Constants.CURRENCY_CODE)

private val merchantInfo: JSONObject =
    JSONObject().put("merchantName", "Example Merchant")

`getTransactionInfo` Request Arguments

Field	Type	Description
`countryCode`	string, required	The ISO country code.
`currencyCode`	string, required	The currency code of the locale.
`totalPrice`	string, required	Total value of the transaction with an optional decimal precision of two decimal places.
`totalPriceStatus`	string, required	The status of the total price used. Pass FINAL if the total price doesn't change from the amount presented to the buyer. Pass ESTIMATED if the total price might adjust based on the details of the response, such as sales tax collected that's based on a billing address. Pass NOT_CURRENTLY_KNOWN when using `totalPriceStatus` for a capability check.

`getMerchantInfo` Request Arguments

Field	Type	Description
`merchantID`	string, required	A Google merchant identifier issued after registration with the Google Pay Business Console. Required when PaymentsClient is initialized with an environment property of LIVE
`merchantName`	string, required	Pass in the name of the `Merchant` .

Strong Customer Authentication (SCA)

Merchants that process transactions in the European Economic Area (EEA) or any other countries that are subject to Strong Customer Authentication (SCA) must include the countryCode, totalPrice, and merchantName parameters to meet SCA requirements.

Assign your base request object to a new PaymentDataRequest JSON object. Then, add the payment methods supported by your application, such as any configuration of additional data expected in the response. Finally, add information about the transaction and the merchant who makes the request. For more information, see Step 5 of Google Pay Integration

Step 10: Get Buyer Identity

A buyer identity is required before you can proceed with the next steps. You can either create a new buyer identity through the Finix API, or use an existing one you’ve already created.

Buyer Identity Data

All buyer Identity fields are optional. However, Finix recommends including basic information (name, email, address, and phone) to make payment operations easier.

Use an existing buyer

Log in to your Finix Dashboard.
In the left sidebar, select Data Resources → Identities.
Search for the buyer identity you want to use.
- Confirm the Role is Buyer.
- Option to use filters to quickly narrow down results.
Copy the Buyer Identity (e.g. IDjWktr7BPDGhz4amrPJZoXg )

Create a new buyer

Buyer Identity Request

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/identities \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "entity": {
      "phone": "7145677613",
      "first_name": "John",
      "last_name": "Smith",
      "email": "finix_example@finix.com",
      "personal_address": {
        "city": "San Mateo",
        "country": "USA",
        "region": "CA",
        "line2": "Apartment 7",
        "line1": "741 Douglass St",
        "postal_code": "94114"
      }
    },
    "identity_roles": [
      "BUYER"
    ],
    "tags": {
      "key": "value"
    },
    "type": "PERSONAL"
  }'

Buyer Identity Response

{
  "id": "IDmkDvJfxZWMEK56FDFtbozo",
  "created_at": "2024-08-09T09:34:36.87Z",
  "updated_at": "2024-08-09T09:34:36.87Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": null,
    "business_name": null,
    "business_phone": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": null,
    "email": "finix_example@finix.com",
    "first_name": "John",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Smith",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "741 Douglass St",
      "line2": "Apartment 7",
      "city": "San Mateo",
      "region": "CA",
      "postal_code": "94114",
      "country": "USA"
    },
    "phone": "7145677613",
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [],
  "tags": {
    "key": "value"
  },
  "type": "PERSONAL",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmkDvJfxZWMEK56FDFtbozo/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}

Step 11: Create a Payment Instrument

Call loadPaymentData using the Google Pay PaymentsClient object, which results in a Task object. Extract the payment token from the PaymentData result object. For more information, see Step 6 of Google Pay Integration

paymentDataRequest

fun getLoadPaymentDataTask(priceLabel: String): Task<PaymentData> {
    val paymentDataRequestJson = PaymentsUtil.getPaymentDataRequest(priceLabel)
    val request = PaymentDataRequest.fromJson(paymentDataRequestJson.toString())
    return paymentsClient.loadPaymentData(request)
}

To process the result use one of the activity result contracts in the API. For more information, see Step 6 of Google Pay Integration

Before presenting the user with a confirmation of their purchase, extract the payment token from PaymentData result object, and use it in the Payment Instrument request below.

You need to pass in the third_party_token, name, and billing address that Google Pay returns when creating a Payment Instrument.

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_instruments \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "identity": "ID78Fh8mcnnzukVzbdoyex5y",
    "merchant_identity": "IDwhCCvPwCDEmiFd8Be7pDzN",
    "name": "Finix Sandbox",
    "third_party_token": "{\"signature\":\"MEYCIQCYTkaEMgug7pcjzEEdbIn+R57kYO5yYc2KYj41AQQn9wIhAN1QvylvZ2XydVecfejwi2xYS9y3Y9y/MmDnRnUfNw5H\",\"intermediateSigningKey\":{\"signedKey\":\"{\\\"keyValue\\\":\\\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE4xc3fjeM9SMTjd1TL2GQCPmgqPf2h42aM3akPh/mTUBqWEgOITruK10A02rQ+4YZOvLCpQKQZzLSAd09nctnuA\\\\u003d\\\\u003d\\\",\\\"keyExpiration\\\":\\\"1648843199734\\\"}\",\"signatures\":[\"MEQCICwCI4s5YCLu4qRCyXwSJ3qG8y3ocFtP1Mque4Uzysl8AiARoD/0qbj5W0Q2PWKpxkEnfcP+nU5kwYS8FyQ9boDTmQ\\u003d\\u003d\"]},\"protocolVersion\":\"ECv2\",\"signedMessage\":\"{\\\"encryptedMessage\\\":\\\"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\\\\u003d\\\",\\\"ephemeralPublicKey\\\":\\\"BMqIyb1IyXhuZ4YpWm1PiRr74i3tCwDfQqJ1P4OZ3zK4Rq16SuwgJ605fCEvlViwSQuo2Hpv+CcR+2D3+/YrLB8\\\\u003d\\\",\\\"tag\\\":\\\"5K4LlTucDK7jAThbIozYtyoxX95hRNd5cJJGfxWAxw8\\\\u003d\\\"}\"}",
    "type": "GOOGLE_PAY",
    "address": {
      "city": "San Francisco",
      "country": "USA",
      "line1": "900 Metro Center Blv",
      "line2": "APT 200",
      "postal_code": "94404",
      "region": "CA"
    }
  }'

Payment Instrument - Google Pay

{
  "id": "PIwpqpJZCharsZAt6WKVopPS",
  "created_at": "2025-05-08T18:44:58.56Z",
  "updated_at": "2025-05-08T18:44:58.56Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPR88YBDbK4TqYMUNU8t8fbeQ",
  "identity": "IDmj1yA97RS4rMjiQgvK3Vio",
  "instrument_type": "APPLE_PAY",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": "APT 200",
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "bin": "370382",
  "brand": "AMERICAN_EXPRESS",
  "card_type": "CREDIT",
  "expiration_month": 11,
  "expiration_year": 2024,
  "issuer_country": "USA",
  "last_four": "8576",
  "name": "John Smith",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "GOOGLE_PAY",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIwpqpJZCharsZAt6WKVopPS"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIwpqpJZCharsZAt6WKVopPS/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIwpqpJZCharsZAt6WKVopPS/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIwpqpJZCharsZAt6WKVopPS/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDmj1yA97RS4rMjiQgvK3Vio"
    }
  }
}

For security purposes, Google Pay tokens are only active for a short period of time.

Due to this limited lifetime, the third_party_token used in the request above has expired. To test the request, use your third_party_token and Finix credentials.

Step 12: Create a Payment

Similar to other Finix transactions, after the Payment Instrument is created, you can use the instrument and create a transfer or an authorization to process transactions.

Sale

Set the source to your Buyer's Payment Instrument ID
Set the merchant to an APPROVED Merchant account
Set the amount in cents

Example Transfer Request

curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "currency": "USD",
        "amount": 662154,
        "source": "PIf8dyFFcEGBqPhaG22hPyYs",
    }'

Example Transfer Response

{
  "id": "TR29av3LN1TAGPbXscsup1tt",
  "amount": 662154,
  "tags": {},
  "state": "SUCCEEDED",
  "trace_id": "34f40e87-2599-414b-874b-f472790ff521",
  "currency": "USD",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "source": "PImE5ZhGZJNFy14DtX8wX6f6",
  "destination": null,
  "ready_to_settle_at": null,
  "externally_funded": "UNKNOWN",
  "fee": 0,
  "statement_descriptor": "FNX*FINIX FLOWERS",
  "type": "DEBIT",
  "messages": [],
  "raw": null,
  "created_at": "2022-08-25T20:39:37.59Z",
  "updated_at": "2022-08-25T20:39:38.17Z",
  "idempotency_id": null,
  "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
  "merchant_identity": "IDpYDM7J9n57q849o9E9yNrG",
  "subtype": "API",
  "failure_code": null,
  "failure_message": null,
  "additional_buyer_charges": null,
  "_links": {
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "self": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR29av3LN1TAGPbXscsup1tt"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR29av3LN1TAGPbXscsup1tt/payment_instruments"
    },
    "reversals": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR29av3LN1TAGPbXscsup1tt/reversals"
    },
    "fees": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR29av3LN1TAGPbXscsup1tt/fees"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR29av3LN1TAGPbXscsup1tt/disputes"
    },
    "source": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
    },
    "fee_profile": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
    }
  }
}

Authorization

You can create an Authorization and capture it later using two separate API calls. This approach is useful if you need to first verify the payment details and then capture a specific amount at a later time. For more details, see Creating and Capturing an Authorization.

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