Google Pay™

Overview

Google Pay is Google's digital wallet that allows customers to make online and in-store payments using payment cards stored in Google Wallet. Instead of sharing actual card details during a transaction, Google Pay uses tokenized payment credentials and device-based authentication to help protect customer information.

How Customers Pay with Google Pay

Customers can complete payments without manually entering their card details by selecting a card stored in Google Wallet and authenticating the transaction using the security method enabled on their device, such as biometrics or a device passcode.

How Maya Processes Google Pay Payments

Google Pay is supported on select Maya payment products.

For Maya's online payment products that accept Google Pay, Maya handles payment acceptance, processing, and settlement as the Payment Service Provider (PSP).

For Maya Terminals, transactions are processed as standard card payments through Maya and are settled to the merchant's existing settlement account.

The integration model and merchant responsibilities depend on the product being used.

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Requirements

To accept Google Pay payments, you must:

• Have an active Maya merchant with card (scheme) acceptance enabled.
• Comply with the Google Pay and Wallet API's Acceptable Use Policy
• Accept and comply with the Google Pay API Terms of Service.
• For Android integrations, review Google's minimum requirements in the Google Developer Portal.

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Payment Flow

Online Payments

1. The customer selects Google Pay during checkout.
2. The customer chooses a saved card from Google Wallet.
3. The customer authorizes the transaction using their device's configured authentication method.
4. Google Pay securely provides a tokenized payment credential.
5. Maya processes the transaction through the applicable card network and issuing bank.
6. Maya returns the payment result to the checkout experience.
7. Approved transactions are settled according to the merchant's settlement schedule.

In-Store Payments

1. The customer unlocks their Android device and opens Google Wallet, if required.
2. The customer taps their device on a supported Maya Terminal.
3. Google Pay provides a tokenized payment credential.
4. Maya processes the transaction through the applicable card network and issuing bank.
5. The customer and merchant receive the transaction result.
6. Approved transactions are settled according to the merchant's settlement schedule.

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Next Steps

Choose the Maya product that best matches the payment experience you want to provide.

See also:

• Google Pay and Wallet API's Acceptable Use Policy
• Google Pay API Terms of Service
• Google Developer Portal