# Google Pay Learn how to accept payments using Google Pay. For information on payment method transaction fees, refer to [pricing details](https://stripe.com/pricing/local-payment-methods). 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 customer’s Google account. Google Pay is fully compatible with Stripe’s 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* (A Subscription represents the product details associated with the plan that your customer subscribes to. Allows you to charge the customer on a recurring basis), and so on. > #### Google Pay terms > > By integrating Google Pay, you agree to Google’s [terms of service](https://payments.developers.google.com/terms/sellertos). #### Payment method properties - **Customer locations** Worldwide except India - **Presentment currency** See [supported presentment currencies](https://docs.stripe.com/currencies.md#presentment-currencies) - **Payment confirmation** Customer-initiated - **Payment method family** Wallet - **Recurring payments** Yes - **Payout timing** Standard payout timing applies - **Connect support** Yes - **Dispute support** [Yes](https://docs.stripe.com/google-pay.md#disputed-payments) - **Manual capture support** Yes - **Refunds / Partial refunds** [Yes / Yes](https://docs.stripe.com/google-pay.md#refunds) #### Business locations Stripe accounts worldwide except India can accept Google Pay payments with local currency settlement. #### Product support - Connect - Checkout - Payment Links - Elements - Subscriptions - Invoicing ## 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 Stripe’s [processing fees](https://stripe.com/pricing). 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](https://docs.stripe.com/payments/mobile.md) to accept payments directly in-app - [Stripe Checkout](https://docs.stripe.com/mobile/digital-goods/checkout.md) to redirect customers to a Stripe-hosted payment page - [Payment Links](https://docs.stripe.com/mobile/digital-goods/payment-links.md) for a limited number of products and prices For more information about which purchases must use the Google Play billing system, see Google Play’s [developer terms](https://support.google.com/googleplay/android-developer/answer/10281818). # React Native Stripe’s React Native SDK is the fastest and easiest way to start accepting Google Pay in your React Native apps. The [PlatformPayButton](https://stripe.dev/stripe-react-native/api-reference/index.html#PlatformPayButton) component wraps Google’s required UI, and you can use the `confirmPlatformPayPayment` and `createPlatformPayPaymentMethod` methods to seamlessly collect or create payments in your app with minimal setup. > If you use React Native and Expo, Expo Go doesn’t support Google Pay. To use Google Pay with Expo, you must create a [development build](https://docs.expo.dev/get-started/set-up-your-environment/?mode=development-build&platform=android). If you already have an Expo Go project, you can [migrate it to a development build](https://docs.expo.dev/develop/development-builds/expo-go-to-dev-build/). ## Set up Stripe [Server-side] [Client-side] ### Server-side This integration requires endpoints on your server that talk to the Stripe API. Use our official libraries for access to the Stripe API from your server: #### Ruby ```bash # Available as a gem sudo gem install stripe ``` ```ruby # If you use bundler, you can add this line to your Gemfile gem 'stripe' ``` ### Client-side The [React Native SDK](https://github.com/stripe/stripe-react-native) is open source and fully documented. Internally, it uses the [native iOS](https://github.com/stripe/stripe-ios) and [Android](https://github.com/stripe/stripe-android) SDKs. To install Stripe’s React Native SDK, run one of the following commands in your project’s directory (depending on which package manager you use): #### yarn ```bash yarn add @stripe/stripe-react-native ``` #### npm ```bash npm install @stripe/stripe-react-native ``` Next, install some other necessary dependencies: - For iOS, go to the **ios** directory and run `pod install` to ensure that you also install the required native dependencies. - For Android, there are no more dependencies to install. > We recommend following the [official TypeScript guide](https://reactnative.dev/docs/typescript#adding-typescript-to-an-existing-project) to add TypeScript support. ### Stripe initialisation To initialise Stripe in your React Native app, either wrap your payment screen with the `StripeProvider` component, or use the `initStripe` initialisation method. Only the API [publishable key](https://docs.stripe.com/keys.md#obtain-api-keys) in `publishableKey` is required. The following example shows how to initialise Stripe using the `StripeProvider` component. ```jsx import { useState, useEffect } from 'react'; import { StripeProvider } from '@stripe/stripe-react-native'; function App() { const [publishableKey, setPublishableKey] = useState(''); const fetchPublishableKey = async () => { const key = await fetchKey(); // fetch key from your server here setPublishableKey(key); }; useEffect(() => { fetchPublishableKey(); }, []); return ( {/* Your app code here */} ); } ``` > Use your API [test keys](https://docs.stripe.com/keys.md#obtain-api-keys) while you test and develop, and your [live mode](https://docs.stripe.com/keys.md#test-live-modes) keys when you publish your app. ## Enable Google Pay To use Google Pay, first enable the Google Pay API by adding the following to the `` tag of your **AndroidManifest.xml**: ```xml ... ``` For more details, see Google Pay’s [Set up Google Pay API](https://developers.google.com/pay/api/android/guides/setup) for Android. ## Create a PaymentIntent [Server-side] First, create a `PaymentIntent` on your server and specify the amount to collect and the currency. If you already have an integration using the [Payment Intents API](https://docs.stripe.com/payments/payment-intents.md), add `card` to the list of [payment method types](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-payment_method_types) for your `PaymentIntent` (this is also the default payment method if none are provided): ```curl curl https://api.stripe.com/v1/payment_intents \ -u "<>:" \ -d "payment_method_types[]=card" \ -d amount=1099 \ -d currency=usd ``` A PaymentIntent includes a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)). You can use the client secret in your React Native app to securely complete the payment process instead of passing back the entire PaymentIntent object. In your app, request a PaymentIntent from your server and store its client secret. ## Initialize Google Pay [Client-side] First, check whether the device supports Google Pay by calling `isPlatformPaySupported`. ```javascript import { usePlatformPay } from '@stripe/stripe-react-native'; function PaymentScreen() { const { isPlatformPaySupported } = usePlatformPay(); React.useEffect(() => { (async function () { if (!(await isPlatformPaySupported({ googlePay: {testEnv: true} }))) { Alert.alert('Google Pay is not supported.'); return; } })(); }, []); ... return ( ... ); } ``` ## Present the Google Pay sheet [Client-side] After you know Google Pay is available and your app has obtained a `PaymentIntent` or `SetupIntent` client secret, call `confirmPlatformPayPayment`. When confirming a `SetupIntent`, use `confirmPlatformPaySetupIntent` instead. ```javascript import {PlatformPayButton, usePlatformPay} from '@stripe/stripe-react-native'; function PaymentScreen() { const { isPlatformPaySupported, confirmPlatformPayPayment, } = usePlatformPay(); React.useEffect(() => { ... // see above }, []); const fetchPaymentIntentClientSecret = async () => { // Fetch payment intent created on the server, see above const response = await fetch(`${API_URL}/create-payment-intent`, { method: 'POST', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ currency: 'usd', }), }); const { clientSecret } = await response.json(); return clientSecret; }; const pay = async () => { const clientSecret = await fetchPaymentIntentClientSecret(); const { error, paymentIntent } = await confirmPlatformPayPayment( clientSecret, { googlePay: { testEnv: true, merchantName: 'My merchant name', merchantCountryCode: 'US', currencyCode: 'USD', billingAddressConfig: { format: PlatformPay.BillingAddressFormat.Full, isPhoneNumberRequired: true, isRequired: true, }, }, } ); if (error) { Alert.alert(error.code, error.message); // Update UI to prompt user to retry payment (and possibly another payment method) return; } Alert.alert('Success', 'The payment was confirmed successfully.'); console.log(JSON.stringify(paymentIntent, null, 2)); }; return ( ); } ``` ## Optional: Create a PaymentMethod [Client-side] If you confirm your payment on your server, you can use Google Pay to only collect a `PaymentMethod` instead of confirm a payment. To make that call, use the `createPlatformPayPaymentMethod` method: ```javascript import {PlatformPayButton, usePlatformPay} from '@stripe/stripe-react-native'; function PaymentScreen() { const { isPlatformPaySupported, createPlatformPayPaymentMethod, } = usePlatformPay(); React.useEffect(() => { ... // see above }, []); const createPaymentMethod = async () => { const { error, paymentMethod } = await createPlatformPayPaymentMethod({ googlePay: { amount: 12, currencyCode: 'USD', testEnv: true, merchantName: 'Test', merchantCountryCode: 'US', }, }); if (error) { Alert.alert(error.code, error.message); return; } else if (paymentMethod) { Alert.alert( 'Success', `The payment method was created successfully. paymentMethodId: ${paymentMethod.id}` ); } }; return ( ); } ``` ## Go live with Google Pay Follow [Google’s instructions](https://developers.google.com/pay/api/android/guides/test-and-deploy/request-prod-access) to request production access for your app. Choose the integration type **Gateway** when prompted, and provide screenshots of your app for review. After your app has been approved, test your integration in production by using `testEnv: false`, and launching Google Pay from a signed, release build of your app. Remember to use your *live mode* (Use this mode when you’re ready to launch your app. Card networks or payment providers process payments) [API keys](https://docs.stripe.com/keys.md). You can use a `PaymentIntent` with [`capture_method` = `manual`](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-capture_method) to process a transaction without capturing the payment. ### Test Google Pay Google allows you to make test payments through their [Test card suite](https://developers.google.com/pay/api/android/guides/resources/test-card-suite). The test suite supports using Stripe [test cards](https://docs.stripe.com/testing.md). You must test Google Pay using a physical Android device instead of a simulated device, in a country where Google Pay is supported. Log in to a Google account on your test device with a real card saved to Google Wallet. ## Disputes Users must authenticate payments with their Google Pay accounts, which reduces the risk of fraud or unrecognised 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](https://docs.stripe.com/disputes/responding.md). ### Liability shift for Google Pay charges Google Pay supports [liability shift](https://docs.stripe.com/payments/3d-secure/authentication-flow.md#disputed-payments) 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), it’s saved as a Funding Primary Account Number (FPAN). When you use [3-D Secure](https://docs.stripe.com/payments/3d-secure.md), we globally support liability shift for all major networks, including Visa. You can customise [Stripe Radar rules](https://docs.stripe.com/radar/rules.md#request-3d-secure) to request activation of 3-D 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 e-commerce 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](https://docs.stripe.com/refunds.md) for instructions on initiating or managing refunds.