Tranzify
en
Book a demo
☰

Wallets · Available

Google Pay

Google Pay is Google's wallet for a payer's cards on Android and in the Chrome browser: a card added on an Android device is tokenised, and a card saved to the Google account is passed to the acquirer for a normal authorisation with 3-D Secure where required. Either way it is a card payment with the scheme's settlement, refunds and chargeback rules, minus the card entry.

Enable via Tranzify See providers

Key facts

Countries
United Arab EmiratesArmeniaArgentinaBrazilCanadaChileColombiaGermanyEgyptSpainFranceUnited KingdomIndiaItalyKyrgyzstanKazakhstanMexicoNetherlandsPeruPolandSaudi ArabiaThailandUnited StatesUzbekistanVietnam
Currencies
USD, EUR, GBP, PLN, CAD, BRL, MXN, ARS, CLP, COP, PEN, AED, SAR, EGP, INR, KZT, KGS, UZS, AMD, VND, THB
Operations
Pay-in · Recurring · Refund
Settlement
T+1
Chargebacks
under the scheme rules

How a payment goes through

  1. 1The checkout opens the wallet app or shows its button
  2. 2The payer confirms in the app with a PIN or biometrics
  3. 3The wallet confirms the payment to the provider within seconds
  4. 4Webhook to the merchant; a refund goes back the same way

How a payment goes through

  1. The checkout shows the Google Pay button in Chrome or an Android app.
  2. The payer picks a card and confirms on the device.
  3. The acquirer receives the token or the saved card, runs 3-D Secure if needed and authorises in seconds.
  4. Tranzify writes the result and calls the merchant’s webhook.

Google Pay against Apple Pay

Google Pay Apple Pay
Launched 2015 as Android Pay, Google Pay since 2018 2014
Devices Android, and the Chrome browser on any platform iPhone, iPad, Mac
Card data a device token, or a card saved to the Google account a device token
Authentication cryptogram for a tokenised card; 3-D Secure for a saved card where required Face ID or Touch ID
Settlement and chargebacks as the underlying card: T+1, scheme rules the same
Recurring yes, by a merchant token yes

Payouts and refunds

Refunds go back to the underlying card through the acquirer. Recurring charges use the token the acquirer stores after the first payment. Payouts are not part of Google Pay; card payouts go over Visa and Mastercard.

Who uses it

E-commerce, delivery and digital goods for Android payers who do not want to type a card; SaaS and travel as a one-tap option beside cards and Apple Pay.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

A Adyen 6 methods · GB, DE, NL, PL, FR, ES, IT, US, CA, AE On request C Checkout.com 4 methods · GB, FR, ES, US, AE On request M Mollie 5 methods · NL, DE On request S SmartFlow 5 methods · PL, TR, GB, DE Available S Stripe 4 methods · GB, DE, FR, ES, IT, US, CA, AE On request

Industries

E-commerce & retailSaaS & subscriptionsDigital goods & gamingTravel & mobilityDelivery & on-demand

Terms

Hosted checkoutNetwork tokenTokenisation

Frequently asked questions

Where does Google Pay work in the catalogue?+
In the United Kingdom, Germany, France, Spain, Italy, the Netherlands, Poland, the United States, Canada, Brazil, Mexico, the UAE, Saudi Arabia, Türkiye, India and Kazakhstan, in ten currencies, through an acquirer licensed for the market. In India the app also pays over UPI, a separate method in the catalogue.
Is 3-D Secure needed?+
For a card tokenised on an Android device the cryptogram counts as authentication; for a card saved to the Google account the acquirer runs 3-D Secure where the market requires it.
Who is the licensed party?+
The acquirer from the catalogue — Adyen, Stripe, Checkout.com or SmartFlow — under the client’s own merchant agreement; Tranzify supplies the software, routes the payment, journals it and calls the webhook.

Related methods

AP Apple Pay Wallets · 24 countries Available VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

  • ✓ Not a financial institution
  • ✓ Money never passes through us
  • ✓ Built to PCI DSS requirements

By sending the form you agree to the privacy policy.