Google Pay expands on Google's existing Android Pay functionality to include access to Google's payment method vault, allowing customers to quickly and securely make purchases on their Android mobile devices. Businesses can accept Google Pay on multiple browsers, making it quick and easy for customers to buy on both mobile and the web.
By selecting Google Pay in your Android app or web checkout, customers can pay using any cards or PayPal accounts associated with their Google accounts.
Where your business is located dictates your ability to accept Google Pay. Most merchants based in the following regions – contingent on their processing settings – can accept Google Pay transactions from eligible customers with the indicated payment method types:
- APAC - Visa, Mastercard, American Express*, PayPal
- Australia - Visa, Mastercard, American Express*, PayPal
- Canada - Visa, Mastercard, American Express*, PayPal
- Europe - Visa, Mastercard, American Express*, PayPal
- New Zealand - Visa, Mastercard, American Express*, PayPal
- United States - Visa, Mastercard, American Express, Discover, PayPal
*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 us 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.
If you're accepting both PayPal and Google Pay, you can contact support to enable PayPal via Google Pay. Once enabled, PayPal via Google Pay transactions will be processed as PayPal. For additional processing details, see processing.
Google Pay customer availability depends on where a customer stores their payment methods: in a Google account or to an Android device.
Google Pay is available for all customers worldwide to make purchases using cards or PayPal accounts saved to their Google accounts.
Some customers can make Google Pay purchases using payment methods saved directly to their Android devices. At this time, our eligible merchants can process this type of Google Pay transaction for customers in all countries and regions supported by Google Pay. For a complete list of locations where customers can pay with Google Pay payment methods stored to a device, see Google's Help Center.
Google Pay is now available across multiple browsers. See Google's documentation for a full list of supported web browsers.
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.
If you have contacted support and have PayPal via Google Pay enabled, these transactions can be identified in the Control Panel by the Transaction Source of Google.
There are no additional standard fees for processing Google Pay transactions. Pricing for Google Pay cards is the same as your other credit card transactions, and PayPal via Google Pay transactions are priced the same way as your other PayPal transactions.
Chargebacks, retrievals, and pre-arbitrations on Google Pay transactions behave in the same way as your credit card or PayPal disputes, and should be responded to according to your merchant account setup. If you’re unsure how to handle a dispute, contact us for assistance.
We recommend collecting billing address information, at minimum billing postal code, and passing that billing postal code with all Google Pay transactions as a best practice.
Our support for fraud checks on these transactions varies depending on how the customer stores their Google Pay payment methods: in a Google account or to an Android device.
For cards added by the user directly to their device, Google will issue a device-specific token that represents the customer's card. This along with a single-use cryptogram will be used to authorize the transaction. These transactions are not compatible with our Basic Fraud Tools but are compatible with our Advanced Fraud Tools.
While Google Pay cards can be vaulted, how a vaulted payment method can be used depends on whether the customer originally stored it in a Google account or to an Android device.
Google Pay cards stored to a Google account can be vaulted for future transactions, recurring billing, and split shipment transactions.
Google Pay cards that were added directly to an Android device, however, can only be vaulted and used for recurring billing and split shipment transactions. Each unique Google Pay transaction made with a card stored on a customer's Android device requires consent from the customer during checkout; as such, vaulting these payment methods for future transactions will result in declines and is not recommended.
If you plan to vault Google Pay Discover cards for recurring billing or split shipments, you must first contact Discover directly to obtain the proper permissions.
PayPal via Google Pay accounts cannot be vaulted and are not supported for recurring billing or split shipment transactions.
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. Whether you're adding Google Pay to an Android app or integrating for web, you need to receive approval from Google before moving to production. See our developer docs for full details.