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Google Pay Passthrough

If you decrypt Google Pay tokens outside of Finix, use the passthrough path to send the wallet authentication fields including the Electronic Commerce Indicator (ECI) directly to Finix.

The ECI is a one-or-two-digit value that card networks and issuers factor into liability and risk decisions on the authorization.

PCI Level 1 Required

The passthrough path transmits raw PAN (DPAN) data. Only customers that are PCI Level 1 compliant are permitted to use it. Sending number without PCI Level 1 approval returns a 422 error.

How It Works

There are two ways to submit Google Pay data to POST /payment_instruments:

PathHow it works
Encrypted token (default)Send the encrypted third_party_token. Finix decrypts it and extracts all fields, including ECI.
PassthroughDecrypt the token yourself and send the individual fields (number, cryptogram, expiration_month, expiration_year, electronic_commerce_indicator_code) directly.

You cannot send both number and third_party_token in the same request. Doing so returns a 422 error.

Passthrough Fields

FieldTypeRequiredDescription
numberstringYesNetwork token PAN (DPAN) from the decrypted token. May be a raw PAN for Google Pay.
cryptogramstringNoWallet-generated cryptogram from the decrypted token. Optional for Google Pay — PAN_ONLY tokens do not produce a cryptogram.
expiration_monthintegerNoCard expiration month (1–12).
expiration_yearintegerNoCard expiration year (4-digit).
electronic_commerce_indicator_codestringNoOne-or-two-digit value indicating the authentication method. The card network and issuer factor this into liability and risk decisions on the authorization.

Create a Payment Instrument (Passthrough)

When your server receives the decrypted fields from the Google Pay token, pass them directly in the POST /payment_instruments request body instead of third_party_token.

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 '{
    "address": {
      "city": "San Francisco",
      "country": "USA",
      "line1": "900 Metro Center Blv",
      "line2": "APT 200",
      "postal_code": "94404",
      "region": "CA"
    },
    "cryptogram": "abc",
    "electronic_commerce_indicator_code": "07",
    "expiration_month": 11,
    "expiration_year": 2026,
    "identity": "IDmj1yA97RS4rMjiQgvK3Vio",
    "merchant_identity": "IDwhCCvPwCDEmiFd8Be7pDzN",
    "name": "Finix Sandbox",
    "number": "5200828282828210",
    "type": "GOOGLE_PAY"
  }'
Payment Instrument - Google Pay - Passthrough
{
  "id": "PIrBNkBnJMThRHLGKHbfpYkF",
  "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": "FPRrBNkBnJMThRHLGKHbfpYkF",
  "identity": "ID78Fh8mcnnzukVzbdoyex5y",
  "instrument_type": "GOOGLE_PAY",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": "APT 200",
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "bin": "411111",
  "brand": "VISA",
  "card_type": "CREDIT",
  "expiration_month": 11,
  "expiration_year": 2026,
  "issuer_country": "USA",
  "last_four": "1234",
  "name": "Finix Sandbox",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "GOOGLE_PAY",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID78Fh8mcnnzukVzbdoyex5y"
    }
  }
}

The response shape is identical to the standard Google Pay path. The electronic_commerce_indicator_code value is not echoed back in the response.

Error Responses

ScenarioStatusError codeMessage
number and third_party_token both sent422INVALID_FIELDOnly one of number or third_party_token is allowed in a request.
Neither number nor third_party_token sent422INVALID_FIELDEither number or third_party_token must be provided
electronic_commerce_indicator_code is not 1 or 2 numeric digits422INVALID_FIELDelectronic_commerce_indicator_code must be 1 or 2 numeric digits
Customer is not PCI Level 1 compliant422UNPROCESSABLE_ENTITYUnless you are PCI Level 1 compliant, you must send the encrypted GOOGLE_PAY token in the third_party_token field.