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Beyond payments

Google Pay

Learn how to accept payments using Google Pay.

Google Pay allows customers to make payments in your app or website using any credit or debit card saved to their Google Account, including those from Google Play, YouTube, Chrome, or an Android device. Use the Google Pay API to request any credit or debit card stored in your customer’s Google account.

Google Pay is fully compatible with Stripe’s products and features (for example, recurring payments), allowing you to use it in place of a traditional payment form whenever possible. Use it to accept payments for physical goods, donations, subscriptions, and so on.

Google Pay terms

By integrating Google Pay, you agree to Google’s terms of service.

  • Customer locations

    Worldwide except India

  • Presentment currency

    See supported presentment currencies

  • Payment confirmation

    Customer-initiated

  • Payment method family

    Wallet

  • Recurring payments

    Yes

  • Payout timing

    Standard payout timing applies

  • Connect support

    Yes

  • Dispute support

    Yes

  • Manual capture support

    Yes

  • Refunds / Partial refunds

    Yes / Yes

Using Stripe and Google Pay versus the Google Play billing system

For sales of physical goods and services, your app can accept Google Pay or any other Stripe-supported payment method. Those payments are processed through Stripe, and you only need to pay Stripe’s processing fees. However, in-app purchases of digital products and content must use the Google Play billing system. Those payments are processed by Google and are subject to their transaction fees.

For more information about which purchases must use the Google Play billing system, see Google Play’s developer terms.

Accept a payment using Google Pay in your Android app

GooglePayLauncher, part of the Stripe Android SDK, is the fastest and easiest way to start accepting Google Pay in your Android apps.

Prerequisites

To support Google Pay in Android, you need the following:

  • A minSdkVersion of 19 or higher.
  • A compileSdkVersion of 28 or higher.

Additionally, if you wish to test with your own device, you need to add a payment method to your Google Account.

Set up your integration

This guide assumes you’re using the latest version of the Stripe Android SDK.

build.gradle
Groovy
Kotlin
No results
dependencies {
    implementation 'com.stripe:stripe-android:22.5.0'
}

To use Google Pay, first enable the Google Pay API by adding the following to the <application> tag of your AndroidManifest.xml:

AndroidManifest.xml
<application>
  ...
  <meta-data
    android:name="com.google.android.gms.wallet.api.enabled"
    android:value="true" />
</application>

For more details, see Google Pay’s Set up Google Pay API for Android.

Create a PaymentIntent

Server-side

Create a PaymentIntent on your server with an amount and currency. Always decide how much to charge on the server side, a trusted environment, as opposed to the client side. This prevents malicious customers from choosing their own prices.

Command Line
curl
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/payment_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "amount"=1099 \
  -d "currency"="usd"

Client-side

A PaymentIntent includes a client secret. You can use the client secret in your Android app to securely complete the payment process instead of passing the entire PaymentIntent object. In your app, request a PaymentIntent from your server and store its client secret.

CheckoutActivity.kt
Kotlin
Java
No results
View full sample
class CheckoutActivity : AppCompatActivity() {

  private lateinit var paymentIntentClientSecret: String

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

  private fun startCheckout() {
      // Request a PaymentIntent from your server and store its client secret in paymentIntentClientSecret
      // Click View full sample to see a complete implementation
  }
}

Add the Google Pay button

Add the Google Pay button to your app by following Google’s tutorial. This ensures you’re using the correct assets.

Instantiate GooglePayLauncher

Next, create an instance of GooglePayLauncher in your Activity or Fragment. This must be done in Activity#onCreate().

GooglePayLauncher.Config exposes both required and optional properties that configure GooglePayLauncher. See GooglePayLauncher.Config for more details on the configuration options.

Kotlin
Java
No results
import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // fetch client_secret from backend
    private lateinit var clientSecret: String

    private lateinit var googlePayButton: PayButton

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)
        setContentView(R.layout.checkout_activity)

        PaymentConfiguration.init(this, PUBLISHABLE_KEY)

        googlePayButton = /* TODO: Initialize button by following Google's guide. */

        val googlePayLauncher = GooglePayLauncher(
            activity = this,
            config = GooglePayLauncher.Config(
                environment = GooglePayEnvironment.Test,
                merchantCountryCode = "US",
                merchantName = "Widget Store"
            ),
            readyCallback = ::onGooglePayReady,
            resultCallback = ::onGooglePayResult
        )

        googlePayButton.setOnClickListener {
            // launch `GooglePayLauncher` to confirm a Payment Intent
            googlePayLauncher.presentForPaymentIntent(clientSecret)
        }
    }

    private fun onGooglePayReady(isReady: Boolean) {
        // implemented below
    }

    private fun onGooglePayResult(result: GooglePayLauncher.Result) {
        // implemented below
    }
}

After instantiating GooglePayLauncher, the GooglePayLauncher.ReadyCallback instance is called with a flag indicating whether Google Pay is available and ready to use. This flag can be used to update your UI to indicate to your customer that Google Pay is ready to be used.

Kotlin
Java
No results
import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // continued from above

    private lateinit var googlePayButton: PayButton

    private fun onGooglePayReady(isReady: Boolean) {
        googlePayButton.isEnabled = isReady
    }
}

Launch GooglePayLauncher

After Google Pay is available and your app has obtained a PaymentIntent or SetupIntent client secret, launch GooglePayLauncher using the appropriate method. When confirming a PaymentIntent, use GooglePayLauncher#presentForPaymentIntent(clientSecret). When confirming a SetupIntent, use GooglePayLauncher#presentForSetupIntent(clientSecret).

Kotlin
Java
No results
import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // fetch client_secret from backend
    private lateinit var clientSecret: String

    private lateinit var googlePayButton: PayButton

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

        // instantiate `googlePayLauncher`

        googlePayButton.setOnClickListener {
            // launch `GooglePayLauncher` to confirm a Payment Intent
            googlePayLauncher.presentForPaymentIntent(clientSecret)
        }
    }
}

Handle the result

Finally, implement GooglePayLauncher.ResultCallback to handle the result of the GooglePayLauncher operation.

The result can be GooglePayLauncher.Result.Completed, GooglePayLauncher.Result.Canceled, or GooglePayLauncher.Result.Failed.

Kotlin
Java
No results
class CheckoutActivity : AppCompatActivity() {
    // continued from above

    private fun onGooglePayResult(result: GooglePayLauncher.Result) {
        when (result) {
            GooglePayLauncher.Result.Completed -> {
                // Payment succeeded, show a receipt view
            }
            GooglePayLauncher.Result.Canceled -> {
                // User canceled the operation
            }
            is GooglePayLauncher.Result.Failed -> {
                // Operation failed; inspect `result.error` for the exception
            }
        }
    }
}

Going live with Google Pay

Follow Google’s instructions to request production access for your app. Choose the integration type Gateway when prompted, and provide screenshots of your app for review.

After your app has been approved, test your integration in production by setting the environment to GooglePayEnvironment.Production, and launching Google Pay from a signed, release build of your app. Remember to use your live mode API keys. You can use a PaymentIntent with capture_method = manual to process a transaction without capturing the payment.

Test Google Pay

Google allows you to make test payments through their Test card suite. The test suite supports using Stripe test cards.

You must test Google Pay using a physical Android device instead of a simulated device, in a country where Google Pay is supported. Log in to a Google account on your test device with a real card saved to Google Wallet.

Creating a PaymentMethod

If you confirm your payment on your server, you can use GooglePayPaymentMethodLauncher to only collect a PaymentMethod instead of confirm payment.

Kotlin
Java
No results
import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    private lateinit var googlePayButton: PayButton

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)
        setContentView(R.layout.checkout_activity)

        PaymentConfiguration.init(this, PUBLISHABLE_KEY)

        googlePayButton = /* TODO: Initialize button by following Google's guide. */

        val googlePayLauncher = GooglePayPaymentMethodLauncher(
            activity = this,
            config = GooglePayPaymentMethodLauncher.Config(
                environment = GooglePayEnvironment.Test,
                merchantCountryCode = "FR",
                merchantName = "Widget Store"
            ),
            readyCallback = ::onGooglePayReady,
            resultCallback = ::onGooglePayResult
        )

        googlePayButton.setOnClickListener {
            googlePayLauncher.present(
                currencyCode = "EUR",
                amount = 2500
            )
        }
    }

    private fun onGooglePayReady(isReady: Boolean) {
        googlePayButton.isEnabled = isReady
    }

    private fun onGooglePayResult(
        result: GooglePayPaymentMethodLauncher.Result
    ) {
        when (result) {
            is GooglePayPaymentMethodLauncher.Result.Completed -> {
                // Payment details successfully captured.
                // Send the paymentMethodId to your server to finalize payment.
                val paymentMethodId = result.paymentMethod.id
            }
            GooglePayPaymentMethodLauncher.Result.Canceled -> {
                // User canceled the operation
            }
            is GooglePayPaymentMethodLauncher.Result.Failed -> {
                // Operation failed; inspect `result.error` for the exception
            }
        }
    }
}

Disputes

Users must authenticate payments with their Google Pay accounts, which reduces the risk of fraud or unrecognized payments. However, users can still dispute transactions after they complete payment. You can submit evidence to contest a dispute directly. The dispute process is the same as that for card payments. Learn how to manage disputes.

Liability shift for Google Pay charges

Google Pay supports liability shift globally. This is true automatically for users on Stripe-hosted products and using Stripe.js. For Visa transactions outside of a Stripe-hosted product, you must enable liability shift in the Google Pay & Wallet Console. To do so, go to your Google Pay & Wallet Console, select Google Pay API in the navigation bar on the left, and then enable Fraud Liability Protection for Visa Device Tokens for liability shift protection.

There are three use cases of Google Pay transactions:

  1. If the user adds a card to the Google Pay app using their mobile device, this card is saved as a Device Primary Account Number (DPAN), and it supports liability shift by default.
  2. If the user adds a card to Chrome or a Google property (for example, YouTube, or Play), it’s saved as a Funding Primary Account Number (FPAN). When you use 3D Secure, we globally support liability shift for all major networks, including Visa. You can customize Stripe Radar rules to request activation of 3D Secure.
  3. If the user selects Google Pay as the payment method on an e-commerce site or in an app that pays with Google Pay, the cards are saved as e-commerce tokens that represent the cards on file. Neither liability shift nor 3D Secure are supported for e-commerce tokens at this time.

For Sigma users, the charges table contains a card_token_type field that indicates the Google Pay transaction type. An FPAN transaction sets the card_token_type to fpan. DPAN and ecommerce token transactions set the card_token_type to dpan_or_ecommerce_token.

Refunds

You can partially or fully refund any successful Google Pay payment. The refund process is the same as that for card payments. See Refund and cancel payments for instructions on initiating or managing refunds.

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