Google Pay on Web
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Accept Google Pay on your website using Finix.

This guide details how to get started accepting Google Pay on web 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.

Google Pay Demo

You can see a demo of Google Pay on our sample store. All of the code on our sample store is available on Github here.

In this sample store, you can add a few items to your card and click on Checkout with Tokenization Form.

Google Pay

You'll see an express checkout button that will bring up the google pay modal.

Google Pay

Our sample store uses sandbox credentials so you won't get charged.

Google Pay Modal

Integration Steps

Step 1: Onboard with Google

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

Step 2: Add the Google Pay Library

First, load the Google Pay API JavaScript library into your app. You can add the Google Pay library by following these steps:

Include the JavaScript script below in your website to add Google Pay's JavaScript Library so your website can make calls to Google Pay’s API.

Google Pay JS Script

<script async src="https://pay.google.com/gp/p/js/pay.js" onload="onGooglePayLoaded()">
 function onGooglePayLoaded() {
   window.googlePayClient = new google.payments.api.PaymentsClient({
     environment: "TEST"
   });
 }
</script>

Once you've added the code and the library loads, create a PaymentsClient object.
1. For a sandbox environment, use environment: "TEST". This returns test payment methods that can be used for sandbox transactions.
2. For a live environment, use environment: "LIVE".

Google Pay PaymentsClient Object

const paymentsClient = new google.payments.api.PaymentsClient({
    environment: "TEST",
});

Step 3: Define Google Pay API Version

After you've added the Google Pay API JavaScript library, declare the version of the Google Pay API that your site uses. The major and minor versions are required in the fields of each passed object and are included in the response. The following code sample shows the declared API versions.

Google Pay API Version

const baseRequest = {
    apiVersion: 2,
    apiVersionMinor: 0,
};

Step 4: 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

const tokenizationSpecification = {
    type: "PAYMENT_GATEWAY",
    parameters: {
        gateway: "finix",
        gatewayMerchantId: "IDxxx",
    },
};

Step 5: 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 by:

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

Google Pay Allowed Card Networks

const allowedCardNetworks = [
    "AMEX",
    "DISCOVER",
    "INTERAC",
    "JCB",
    "MASTERCARD",
    "VISA",
];
const allowedCardAuthMethods = ["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 6: 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 site 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

const baseCardPaymentMethod = {
    type: "CARD",
    parameters: {
        allowedAuthMethods: allowedCardAuthMethods,
        allowedCardNetworks: allowedCardNetworks,
    },
};
const cardPaymentMethod = Object.assign(
    { tokenizationSpecification: tokenizationSpecification },
    baseCardPaymentMethod
);

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 see if Google Pay's API is supported by the current device and browser for the payment methods specified.

Google Pay Readiness Check

const isReadyToPayRequest = Object.assign({}, baseRequest);
isReadyToPayRequest.allowedPaymentMethods = [baseCardPaymentMethod];

paymentsClient
    .isReadyToPay(isReadyToPayRequest)
    .then(function (response) {
        if (response.result) {
            // add a Google Pay payment button
        }
    })
    .catch(function (err) {
        // show error in developer console for debugging
        console.error(err);
    });

Step 8: Add the 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 – JS Example

const button = paymentsClient.createButton({
    onClick: () => console.log("TODO: click handler"),
    allowedPaymentMethods: [],
}); // make sure to provide an allowed payment method
document.getElementById("container").appendChild(button);

CSS Properties

Field	Type	Description
`button-color`	String, optional	Color of the button. Available values are default, black, and white
`button-type`	String, optional	Available values are black, white, and white-outline
`button-locale`	String, required	Set the language of the button. There's a variety of buttons that you can use on your website to begin the transaction. This includes: book, buy, checkout, donate, order, pay, plain, and subscribe.

Step 9: Create a Payment Data Request

After creating a Google Pay payment button, you need to create a PaymentDataRequest object. Follow these steps:

Build a JavaScript object that describes your site's support for the Google Pay API. See the PaymentDataRequest object for a list of supported properties.

paymentDataRequest

const paymentDataRequest = Object.assign({}, baseRequest);
paymentDataRequest.allowedPaymentMethods = [cardPaymentMethod];
paymentDataRequest.transactionInfo = {
  countryCode: 'US',
  currencyCode: 'USD',
  totalPrice: '123.45',
  totalPriceStatus: 'FINAL'
};
paymentDataRequest.merchantInfo = {
  merchantId: '12345678901234567890'
  merchantName: 'Example Merchant'
};

`transactionInfo` 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.

`merchantInfo` 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` .

Add the payment methods supported by your site and any configurations of additional data that are expected in the response.
Set a totalPrice and currencyCode for the buyer to authorize.
Provide a user-visible merchantName.
- Use the TEST Merchant ID if you're in a sandbox environment.

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.

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

After calling loadPaymentData using the Google Pay payments client object, a token will be returned in that response.

paymentsClient paymentToken

paymentsClient
    .loadPaymentData(paymentDataRequest)
    .then(function (paymentData) {
        // if using gateway tokenization, pass this token without modification
        paymentToken = paymentData.paymentMethodData.tokenizationData.token;
        // for billing details
        name = paymentData.paymentMethodData.info.billingAddress.name;
        address = {
            postal_code:
                paymentData.paymentMethodData.info.billingAddress.postalCode,
            country:
                paymentData.paymentMethodData.info.billingAddress.countryCode,
        };
    })
    .catch(function (err) {
        // show error in developer console for debugging
        console.error(err);
    });

You need to pass in the third_party_token, address, and name when creating a Payment Instrument.

Request Arguments

Field	Type	Description
`identity`	string, required	ID of the `Identity` that the card should be associated with. Source: Buyer Identity (Step 10: Get Buyer Identity)
`merchant_identity`	string, required	The `merchant_identity_id` used when registering the business with Apple Pay through our registration API. Source: Log in to Finix Dashboard → Developer → Finix Integration → Merchant Identity ID (e.g. `IDwhCCvPwCDEmiFd8Be7pDzN`)
`name`	string, required	Full name of the registered card holder.
`third_party_token`	string, required	Stringified token provided by Google. Required to process Google Pay transactions.
`type`	string, required	Use GOOGLE_PAY for type of Payment Instrument.
`address`	object, optional	Object containing address data. If address is not passed, fees will apply.

Payment Instrument Request

curl https://finix.sandbox-payments-api.com/payment_instruments \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -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": {
            "country": "USA",
            "postal_code": 12345
        }
    }'

Payment Instrument

{
    "id": "PIf8dyFFcEGBqPhaG22hPyYs",
    "created_at": "2022-10-10T05:36:55.27Z",
    "updated_at": "2022-10-10T05:36:55.27Z",
    "address": {
        "city": null,
        "country": "USA",
        "line1": null,
        "line2": null,
        "postal_code": 12345,
        "region": null
    },
    "application": "APeUfzF5qdNkBCtdgcf3333n",
    "created_via": "API",
    "currency": "USD",
    "enabled": true,
    "fingerprint": "FPRrcobjtdU98gr4sjiqYR1Qg",
    "identity": "ID78Fh8mcnnzukVzbdoyex5y",
    "instrument_type": "GOOGLE_PAY",
    "bin": "411111",
    "brand": "VISA",
    "card_type": "UNKNOWN",
    "expiration_month": 12,
    "expiration_year": 2027,
    "issuer_country": "UNKNOWN",
    "last_four": "1111",
    "name": "Finix Sandbox",
    "tags": {},
    "type": "GOOGLE_PAY",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIf8dyFFcEGBqPhaG22hPyYs"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIf8dyFFcEGBqPhaG22hPyYs/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIf8dyFFcEGBqPhaG22hPyYs/transfers"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIf8dyFFcEGBqPhaG22hPyYs/verifications"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APeUfzF5qdNkBCtdgcf3333n"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID78Fh8mcnnzukVzbdoyex5y"
        }
    }
}

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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