Google Pay

Pricing and fees

For information on payment method transaction fees, refer to pricing details.

Google Pay allows customers to make payments in your app or website using any credit or debit card saved to their Google Account, including those from Google Play, YouTube, Chrome, or an Android device. Use the Google Pay API to request any credit or debit card stored in your customers Google account.

Google Pay is fully compatible with Stripes products and features (for example, recurring payments), allowing you to use it in place of a traditional payment form whenever possible. Use it to accept payments for physical goods, donations, subscriptions, and so on.

Using Stripe and Google Pay versus the Google Play billing system

This guide explains how to configure your app to accept Google Pay for physical goods, services, and other eligible items. Stripe processes these payments, and you pay only Stripes processing fees.

For digital products, content, and subscriptions sold in the US or the European Economic Area (EEA), your Android app can accept payments directly in-app through a third-party payment processor such as Stripe. You can use these payment UIs:

• Mobile Payment Element to accept payments directly in-app
• Stripe Checkout to redirect customers to a Stripe-hosted payment page
• Payment Links for a limited number of products and prices

For more information about which purchases must use the Google Play billing system, see Google Plays developer terms.

dependencies {
    implementation 'com.stripe:stripe-android:23.15.0'
}

<application>
  ...
  <meta-data
    android:name="com.google.android.gms.wallet.api.enabled"
    android:value="true" />
</application>

curl https://api.stripe.com/v1/payment_intents \
  -u sk_test_wU7nrJCZspk1NPDxiQgAF05q: \
  -d "amount"=1099 \
  -d "currency"="usd"

class CheckoutActivity : AppCompatActivity() {

  private lateinit var paymentIntentClientSecret: String

  override fun onCreate(savedInstanceState: Bundle?) {
      super.onCreate(savedInstanceState)
      // ...
      startCheckout()
  }

  private fun startCheckout() {
      // Request a PaymentIntent from your server and store its client secret in paymentIntentClientSecret
      // Click View full sample to see a complete implementation
  }
}

import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // fetch client_secret from backend
    private lateinit var clientSecret: String

    private lateinit var googlePayButton: PayButton

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)
        setContentView(R.layout.checkout_activity)

        PaymentConfiguration.init(this, PUBLISHABLE_KEY)

        googlePayButton = /* TODO: Initialize button by following Google's guide. */

        val googlePayLauncher = GooglePayLauncher(
            activity = this,
            config = GooglePayLauncher.Config(
                environment = GooglePayEnvironment.Test,
                merchantCountryCode = "US",
                merchantName = "Widget Store"
            ),
            readyCallback = ::onGooglePayReady,
            resultCallback = ::onGooglePayResult
        )

        googlePayButton.setOnClickListener {
            // launch `GooglePayLauncher` to confirm a Payment Intent
            googlePayLauncher.presentForPaymentIntent(clientSecret)
        }
    }

    private fun onGooglePayReady(isReady: Boolean) {
        // implemented below
    }

    private fun onGooglePayResult(result: GooglePayLauncher.Result) {
        // implemented below
    }
}

import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // continued from above

    private lateinit var googlePayButton: PayButton

    private fun onGooglePayReady(isReady: Boolean) {
        googlePayButton.isEnabled = isReady
    }
}

import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    // fetch client_secret from backend
    private lateinit var clientSecret: String

    private lateinit var googlePayButton: PayButton

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)

        // instantiate `googlePayLauncher`

        googlePayButton.setOnClickListener {
            // launch `GooglePayLauncher` to confirm a Payment Intent
            googlePayLauncher.presentForPaymentIntent(clientSecret)
        }
    }
}

class CheckoutActivity : AppCompatActivity() {
    // continued from above

    private fun onGooglePayResult(result: GooglePayLauncher.Result) {
        when (result) {
            GooglePayLauncher.Result.Completed -> {
                // Payment succeeded, show a receipt view
            }
            GooglePayLauncher.Result.Canceled -> {
                // User canceled the operation
            }
            is GooglePayLauncher.Result.Failed -> {
                // Operation failed; inspect `result.error` for the exception
            }
        }
    }
}

import com.google.android.gms.wallet.button.PayButton

class CheckoutActivity : AppCompatActivity() {
    private lateinit var googlePayButton: PayButton

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)
        setContentView(R.layout.checkout_activity)

        PaymentConfiguration.init(this, PUBLISHABLE_KEY)

        googlePayButton = /* TODO: Initialize button by following Google's guide. */

        val googlePayLauncher = GooglePayPaymentMethodLauncher(
            activity = this,
            config = GooglePayPaymentMethodLauncher.Config(
                environment = GooglePayEnvironment.Test,
                merchantCountryCode = "FR",
                merchantName = "Widget Store"
            ),
            readyCallback = ::onGooglePayReady,
            resultCallback = ::onGooglePayResult
        )

        googlePayButton.setOnClickListener {
            googlePayLauncher.present(
                currencyCode = "EUR",
                amount = 2500
            )
        }
    }

    private fun onGooglePayReady(isReady: Boolean) {
        googlePayButton.isEnabled = isReady
    }

    private fun onGooglePayResult(
        result: GooglePayPaymentMethodLauncher.Result
    ) {
        when (result) {
            is GooglePayPaymentMethodLauncher.Result.Completed -> {
                // Payment details successfully captured.
                // Send the paymentMethodId to your server to finalize payment.
                val paymentMethodId = result.paymentMethod.id
            }
            GooglePayPaymentMethodLauncher.Result.Canceled -> {
                // User canceled the operation
            }
            is GooglePayPaymentMethodLauncher.Result.Failed -> {
                // Operation failed; inspect `result.error` for the exception
            }
        }
    }
}

Disputes

Users must authenticate payments with their Google Pay accounts, which reduces the risk of fraud or unrecognized payments. However, users can still dispute transactions after they complete payment. You can submit evidence to contest a dispute directly. The dispute process is the same as that for card payments. Learn how to manage disputes.

Liability shift for Google Pay charges

Google Pay supports liability shift globally. This is true automatically for users on Stripe-hosted products and using Stripe.js. For Visa transactions outside of a Stripe-hosted product, you must enable liability shift in the Google Pay & Wallet Console. To do so, go to your Google Pay & Wallet Console, select Google Pay API in the navigation bar on the left, and then enable Fraud Liability Protection for Visa Device Tokens for liability shift protection.

There are three use cases of Google Pay transactions:

1. If the user adds a card to the Google Pay app using their mobile device, this card is saved as a Device Primary Account Number (DPAN), and it supports liability shift by default.
2. If the user adds a card to Chrome or a Google property (for example, YouTube, or Play), its saved as a Funding Primary Account Number (FPAN). When you use 3D Secure, we globally support liability shift for all major networks, including Visa. You can customize Stripe Radar rules to request activation of 3D Secure.
3. If the user selects Google Pay as the payment method on an e-commerce site or in an app that pays with Google Pay, the cards are saved as e-commerce tokens that represent the cards on file. Neither liability shift nor 3D Secure are supported for e-commerce tokens at this time.

For Sigma users, the charges table contains a card_token_type field that indicates the Google Pay transaction type. An FPAN transaction sets the card_token_type to fpan. DPAN and ecommerce token transactions set the card_token_type to dpan_or_ecommerce_token.

Refunds

You can partially or fully refund any successful Google Pay payment. The refund process is the same as that for card payments. See Refund and cancel payments for instructions on initiating or managing refunds.