Creating a Payment with Google Pay™ (decrypted)

This procedure describes how to create a payment with a decrypted Google Pay™ payload.

Initiate this process with a call to the Rapyd API. You can create a payment with Google Pay™ in the sandbox environment.

Prerequisites

Completion of the Rapyd onboarding process. See Activating Your Account (KYB).
Check the relevant country's payment methods that support Google Pay as a digital wallet provider via the List Payment Methods by Country request. For information about Google Pay support for a specific payment method, contact Rapyd Client Support.
Activation of Google Pay in the Client Portal. See Activating Google Pay.
A digital wallet. Generate the transaction details using Google Pay's process.
An encrypted payload from Google. You must do the following:
- Decrypt the payload using your own keys.
- Copy the decrypted contents of token.paymentData to details.decrypted_data in your 'Create Payment' request.
- Copy the contents of token.paymentMethod to details.brand_data in your 'Create Payment' request.

Create the payment as described in Create Payment.

Set payment_method.type to the relevant payment method type.
- Set digital_wallet.type to google_pay.

Use the following guidelines for the digital_wallet.details object:

Parameter	Description
`decrypted_data.gatewayMerchantId`	The merchant's API access code.
`decrypted_data.messageExpiration`	Expiration time of the message, in Unix time.
`decrypted_data.messageId`	ID of the message.
`decrypted_data.paymentMethod`	Payment method.
`decrypted_data.paymentMethodDetails.expirationYear`	Year of expiration of the card. 4 digits.
`decrypted_data.paymentMethodDetails.expirationMonth`	Month of expiration of the card. 2 digits.
`decrypted_data.paymentMethodDetails.pan`	Card number, unencrypted.
`decrypted_data.paymentMethodDetails.authMethod`	Authorization method.
`decrypted_data.paymentMethodDetails.eciIndicator`	ECI indicator.
`decrypted_data.paymentMethodDetails.cryptogram`	Cryptogram.
`brand_data.cardDetails`	Last 4 digits of the card number.
`brand_data.cardNetwork`	Name of the card network.

Samples

Request URL - post https://sandboxapi.rapyd.net/v1/payments/

Cryptogram - Request

{
    "amount": 10,
    "currency": "EUR",
    "merchant_reference_id": "first",
    "customer": {
        "name": "tommy"
    },
    "payment_method": {
        "type": "gb_visa_card",
        "digital_wallet": {
            "type": "google_pay",
            "details": {
                "decrypted_data": {
                    "gatewayMerchantId": "merchant-access-key",
                    "messageExpiration": "1561533871082",
                    "messageId": "AH2Ejtc8qBlP_MCAVyBncOgpPWFFn3",
                    "paymentMethod": "CARD",
                    "paymentMethodDetails": {
                        "expirationYear": 2028,
                        "expirationMonth": 12,
                        "pan": "4895370012001111",
                        "authMethod": "CRYPTOGRAM_3DS",
                        "eciIndicator": "07",
                        "cryptogram": "AgAAAAAABk4DWZ4C28yUQAAAAAA="
                    }
                },
                "brand_data": {
                    "cardDetails": "1111",
                    "cardNetwork": "VISA"
                }
            }
        }
    }
}

Cryptogram Response

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "efa20416-d2cf-4344-80d7-8385cb02041a"
    },
    "data": {
        "id": "payment_959fec8bf6925c41a08af3450ffe1941",
        "amount": 10,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "IL",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "first",
        "customer_token": "cus_c62f634c9c40bb9996a41f06f4f29321",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "digital_wallet": {
                "type": "google_pay",
                "pan_type": "CRYPTOGRAM_3DS"
            },
            "name": null,
            "last4": null,
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "INTL HDQTRS-CENTER OWNED",
                "country": "US",
                "bin_number": "489537"
            },
            "expiration_year": "28",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_88bb41690d7b624604bfda5bae24c9c7",
            "network_reference_id": "123456"
        },
        "auth_code": null,
        "expiration": 1746367369,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "sample text",
        "transaction_id": "",
        "created_at": 1746366772,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1746366772,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
        "ewallets": [
            {
                "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Primary account number (PAN) Only - Request

{
    "amount": 10,
    "currency": "EUR",
    "merchant_reference_id": "first",
    "customer": {
        "name": "tommy"
    },
    "payment_method": {
        "type": "gb_visa_card",
        "digital_wallet": {
            "type": "google_pay",
            "details": {
                "decrypted_data": {
                    "gatewayMerchantId": "merchant-access-key",
                    "messageExpiration": "1650574736277",
                    "messageId": "AH2Ejtc88ZHJ-2aYBQWzHwvp6l0JsCHgxVt8s91A-ZUikaXNbcjsFm6gg9ExeVR-jzIyT-mJvA_ntvfRsDDOH2jnKMjdTtXIJvPt0NBUU45R7-gnjxkx-sI0ldcWvbDHsV0735yFDbWk",
                    "paymentMethod": "CARD",
                    "paymentMethodDetails": {
                        "expirationYear": 2028,
                        "expirationMonth": 12,
                        "pan": "4111111111111111",
                        "authMethod": "PAN_ONLY"
                    }
                },
                "brand_data": {
                    "cardDetails": "1111",
                    "cardNetwork": "VISA"
                }
            }
        }
    }
}

Primary account number (PAN) Only with 3DS Required - Response

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "fb441646-a77e-4e81-8083-1bfc5f954fc6"
    },
    "data": {
        "id": "payment_3942a72e5cd1999b6f6927f00f550509",
        "amount": 0,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "IL",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "first",
        "customer_token": "cus_aae5aac258836c39649e3a97bd8631a7",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "digital_wallet": {
                "type": "google_pay",
                "pan_type": "PAN_ONLY"
            },
            "name": null,
            "last4": null,
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": null,
                "issuer": "JPMORGAN CHASE BANK, N.A.",
                "country": "US",
                "bin_number": "411111"
            },
            "expiration_year": "28",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_11ECFC39303B184181220EC01B2F2B1B",
            "network_reference_id": "629477"
        },
        "auth_code": null,
        "expiration": 1746367513,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sbcheckout.rapyd.net/3ds-payment?token=payment_3942a72e5cd1999b6f6927f00f550509",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "sample text",
        "transaction_id": "",
        "created_at": 1746366916,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
        "ewallets": [
            {
                "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true
        },
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Primary account number (PAN) Only with 3DS Required - Webhook after Payment Completes

{
    "id": "",
    "token": "",
    "organization_id": "2d87743e-93c8-11e7-9273-0ef1982c1e4a",
    "org_pk": "0",
    "type": "PAYMENT_COMPLETED",
    "data": {
        "id": "payment_3942a72e5cd1999b6f6927f00f550509",
        "amount": "10",
        "original_amount": "10",
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "IL",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "first",
        "customer_token": "cus_aae5aac258836c39649e3a97bd8631a7",
        "payment_method": null,
        "payment_method_data": {
            "id": "null",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "digital_wallet": {
                "type": "google_pay",
                "pan_type": "PAN_ONLY"
            },
            "name": null,
            "last4": null,
            "acs_check": "pass",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": null,
                "issuer": "JPMORGAN CHASE BANK, N.A.",
                "country": "US",
                "bin_number": "411111"
            },
            "expiration_year": "28",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_11ECFC39303B184181220EC01B2F2B1B",
            "network_reference_id": "629477"
        },
        "auth_code": null,
        "expiration": 1746367513,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://qacheckout.rapyd.net/3ds-payment?token=payment_3942a72e5cd1999b6f6927f00f550509",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "sample text",
        "transaction_id": "",
        "created_at": 1746366916,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1746366970,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
        "ewallets": [
            {
                "ewallet_id": "ewallet_be4ba8f13da40caa59a7e03022a8acfe",
                "amount": 10,
                "percent": 100,
                "released_amount": "undefined",
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true
        },
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": "05",
            "result": "A",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    },
    "attempts": [],
    "trigger_operation_id": "025423c7-5201-4044-b438-6840b227ee9f",
    "first_attempt_at": 0,
    "last_attempt_at": 0,
    "status": "",
    "created_at": 0,
    "next_attempt_at": 0,
    "uri": ""
}

Related Information

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Creating a Payment with Google Pay™ (decrypted)

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