Google Pay with 3D Secure
Last updated: April 29, 2022
Google Pay offers two authentication modes:
PAN_ONLY
- the card is stored on file with your customer's Google account. Thus, the payment credentials are not bound to an Android device (for example, desktop or non-Android mobile web).CRYPTOGRAM_3DS
- Google Pay offers SCA compliance by binding payment credentials to an Android device and allowing issuers to delegate the authentication to Google for all subsequent payments on that device.
Find out below how you can comply with SCA requirements for PAN_ONLY scenarios.
Reach out to your Account Manager or [email protected] to enable 3DS for Google Pay.
Once you have received the payment data from Google, you first need to get the Checkout.com token to encrypt the payment data. You then receive a new token_format
in the response to help you identify whether or not subsequent payments using this token already meet SCA requirements.
token_format | SCA compliance |
---|---|
| Google handles the authentication and provides a payload that meets the SCA requirements. |
Note
In cases where the Google Pay payment does not require a 3D Secure setup (for example, payments using a CRYPTOGRAM_3DS
token), we will handle the non-3DS authorization request.
token_format | SCA compliance |
---|---|
| For in-scope transactions, the payment should use a 3D Secure exemption or be processed as 3D Secure. |
1{2"type": "googlepay",3"token": "tok_xac73j6l7rue7freatxtonf3pi",4"expires_on": "2021-09-15T11:14:15Z",5"expiry_month": 12,6"expiry_year": 2026,7"last4": "1111",8"bin": "411111",9"token_format": "pan_only"10}
After receiving your token, you can authenticate the transaction as follows:
- Include the Google Pay token in the payment request body.
- To process this transaction as a 3D Secure payment, set the
3ds.enabled
field totrue
as in the request example below.
1{2"source": {3"type": "token",4"token": "tok_lrn2umaznynuvkcjc6unno663u"5},6"amount": 1234,7"currency": "GBP",8"3ds": {9"enabled": true10}11}
If the card is enrolled in 3D Secure, you will receive a 202 Success
response. This response contains a redirect link for your customer.
1{2"id": "pay_hl4k4b5n6pfklmfayflhzw3ovq",3"status": "Pending",4"customer": {5"id": "cus_rtr7qq37wzhujcp5iv36qys43i"6},7"3ds": {8"downgraded": false,9"enrolled": "Y"10},11"_links": {12"self": {13"href": "https://api.sandbox.checkout.com/payments/pay_hl4k4b5n6pfklmfayflhzw3ovq"14},15"redirect": {16"href": "https://3ds2-sandbox.ckotech.co/interceptor/3ds_bicq62vdvrbuznjzcmcfrhtswy"17}18}19}