Configure accepted payment methods for Google Pay, with options for authentication methods, card networks, and card types, and upcoming features for enhanced control and customization.
Overview
This article provides guidance on configuring payment options for Google Pay integration, focusing on authentication methods, card networks, and card types. It emphasizes the importance of selecting the right configurations to enhance security and meet business requirements.
What You'll Learn
1
How to configure authentication methods for Google Pay integration
2
Why selecting the right card networks is crucial for payment processing
3
How to implement issuer country filtering in Google Pay
Key Questions Answered
What authentication methods can be configured for Google Pay?
Google Pay allows two authentication methods: PAN_ONLY, which refers to cards saved to the user's Google Account, and CRYPTOGRAM_3DS, which applies to tokenized cards added through the Google Wallet app, providing enhanced security with a device-generated 3D secure cryptogram.
What card networks are supported by Google Pay?
Google Pay supports several card networks including AMEX, DISCOVER, INTERAC, JCB, MASTERCARD, and VISA. This allows businesses to configure their payment options to accept various card types based on their processing capabilities.
How can businesses filter payment methods by issuer country codes?
Businesses can use the new properties allowedIssuerCountryCodes and blockedIssuerCountryCodes in the CardParameters object to restrict card payment methods based on the issuer's country. This ensures that only valid payment methods are available to users based on their location.
Technologies & Tools
Payment Processing
Google Pay
Used for facilitating fast and secure transactions in applications and websites.
Key Actionable Insights
1Enable both PAN_ONLY and CRYPTOGRAM_3DS authentication methods to maximize security for transactions.Using both methods not only enhances security but also allows businesses to qualify for liability shift with certain card networks, reducing the risk of fraud.
2Carefully select the card networks you wish to support based on your target market.Understanding your customer base and their preferred payment methods can significantly improve conversion rates during checkout.
3Implement issuer country filtering to control which payment methods are available based on user location.This is especially useful for businesses operating in multiple regions, ensuring compliance with local regulations and enhancing user experience.
Common Pitfalls
1
Failing to implement adequate risk checks for Google Pay transactions can lead to increased fraud.
It's essential to apply existing risk management processes to Google Pay transactions, as relying solely on Google Pay's validation may not be sufficient.
Related Concepts
Payment Processing
Security In Digital Transactions
User Experience In Checkout Flows