Google Pay expands on Google's existing Android Pay functionality to include access to Google's card vault, allowing customers to quickly and securely make purchases on their Android mobile devices.
By selecting Google Pay in your Android app or mobile web checkout, customers can pay using any cards associated with their Google accounts.
Where your business is domiciled dictates your ability to accept Google Pay. Most merchants located in the following regions – contingent on their processing settings – can accept Google Pay transactions from eligible customers with the indicated card types:
- United States - Visa, Mastercard, American Express, Discover
- Europe - Visa, Mastercard, American Express*
- APAC - Visa, Mastercard, American Express*
- Australia - Visa, Mastercard, American Express*
*To be eligible to accept Google Pay with American Express in this region, you must be processing with your own Amex account.
If you are unsure of your setup, contact our Accounts team for assistance.
Merchants domiciled in the United States who have integrated with Google Pay can accept Discover cards from their customers without any additional integration work. If you are using split shipments or recurring billing on Google Pay, you'll need to contact Discover to set up the proper permissions in order to avoid declines.
Customer compatibility depends on where a customer stores their Google Pay payment methods: in a Google account or to an Android device.
Google Pay is available for all customers worldwide to make purchases using cards saved to their Google accounts.
Some customers can make Google Pay purchases using payment methods saved directly to their Android devices. Our merchants can only accept these types of Google Pay transactions from customers in the following countries:
- Hong Kong
- United Kingdom
- United States
*While customers in this location will be able to make purchases using Google Pay, merchants domiciled in this country are not eligible to onboard with Braintree.
Google Pay transactions process and settle just like credit card transactions, but can be identified in the Control Panel by their unique payment type logo.
There are no additional standard fees for processing Google Pay transactions – pricing for Google Pay is the same as your other credit card transactions.
Chargebacks, retrievals, and pre-arbitrations on Google Pay transactions behave in the same way as your credit card disputes, and should be responded to according to your merchant account setup. If you’re unsure how to handle a dispute, contact our Accounts team.
For some cards, Google uses a tokenization system to encrypt card information and reduce the risk of fraud. For cards that are not encrypted, Google does not save CVV values, so CVV rules are bypassed for Google Pay transactions.
As a result, CVV and AVS are not necessary for use with Google Pay.
Because each unique Google Pay transaction requires consent from the customer during the checkout flow, vaulting the payment method for future transactions will result in declines and is not recommended. However, Google Pay cards can be used for recurring billing and split shipment transactions because the customer consents to future transactions during checkout.
If you plan to vault Google Pay Discover cards for these purposes, you must first contact Discover directly to obtain the proper permissions.
To add Google Pay to your Braintree integration, you'll need to update your application code and make sure Google Pay is enabled in your Control Panel. If you already accept Android Pay, Google Pay will be automatically enabled, but you'll still need to update your code. See our developer docs for full details.
If you're adding Google Pay to an Android app, you'll need to test your integration and then submit your google-pay-enabled Android application package (APK) to Google for review and approval before you can move to production. If you're integrating for mobile web, no review process is required – you can go live whenever you're ready.
Still have questions?
If you can’t find an answer, contact our Support team