Google Pay Card Payments - S2S Integration JSON API

Using this feature, you can allow your customers to make payments on your Android app using the cards they have saved on Google Pay.

To support Google Pay Cards on your S2S integration:

Show Google Pay as a separate option when Google Pay is set up on your customer's device (Know how to
check if Google Pay Cards is available
on the customer's device).
Trigger payment when the user clicks Pay with Google Pay Cards on your checkout.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Curlec account.

Prerequisites

Sign up for a Razorpay account.
Generate
API Keys
on the Dashboard.
Configure
payment capture settings
on the Dashboard.
Follow the
Razorpay S2S Integration documentation
.
You must have a PCI compliance certificate to get this feature enabled on your account.

Integration Steps

Step 1: Download the SDKs

Download the

Google Pay SDK

and add the .aar file to the application library.

Step 2: Add Dependencies in Build Gradle File

Add the following lines to your app's build.gradle file.

dependencies {
    ...
      implementation(name:'tez-client-api-0.9.4', ext:'aar')
      implementation 'com.android.support:customtabs:26.1.0'
      implementation 'com.google.android.gms:play-services-tasks:15.0.1
      implementation 'com.google.android.gms:play-services-wallet:18.0.0'
    ...
}

Step 3: Check if Gpay Cards is Supported

Show Google Pay as a payment option only when Google Pay is set up on your customer's device. Google Pay is set up when:

The Google Pay app is installed, and
Valid cards or bank accounts (UPI) are added to your customer's Google pay account.

This will enable you to show only relevant payment methods to your users.

Follow these steps to check if Google Pay Cards is supported:

Step 3.1: Integrate the following code snippet in your app

Given below is the code sample:

Task<Boolean> task = null;
Context context = <ActivityClass>.this;
try {
   task = mPaymentClient.isReadyToPay(context,jsonObjectRequest(payload));
} catch (NoSuchAlgorithmException e) {
   e.printStackTrace();
}

task.addOnCompleteListener(new OnCompleteListener<Boolean>() {
   public void onComplete(Task<Boolean> task) {
       boolean result = task.getResult();
       if (result == true) {
          //Google Pay card is available & ready for transaction
       } else {
	    //Google Pay card either isn't available or set up for usage. 
       }
   }
});

Step 3.2: Check if Google Pay Cards is set up

Invoke the isReadyToPay function when you want to check if Google Pay Cards is set up on your customer's device, using the following payload:

"apiVersion": 2,
"apiVersionMinor": 0,
"allowedPaymentMethods":[
   {
      "type": "CARD",
       "parameters": {
              "allowedCardNetworks" : ["VISA", "MASTERCARD"],
         }
   },
   {
       "type": "UPI",
   }
]

Show Pay with Google Pay cards method to your end customers only when isReadyToPay function returns true.

Step 4: Create an Order

Order is an important step in the payment process.

An order should be created for every payment.
You can create an order using the
Orders API
. It is a server-side API call. Know how to
authenticate
Orders API.
The order_id received in the response should be passed to the checkout. This ties the Order with the payment and secures the request from being tampered.

API Sample Code

The following is a sample API request and response for creating an order:

curl -X POST https://api.razorpay.com/v1/orders
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
    "amount": 50000,
    "currency": "MYR",
    "receipt": "rcptid_11"
}'

Request Parameters

Here is the list of parameters and their description for creating an order:

amount

mandatory

integer Payment amount in the smallest currency sub-unit. For example, if the amount to be charged is RM 299.00, then pass 29900 in this field. In the case of three decimal currencies, such as KWD, BHD and OMR, to accept a payment of 295.991, pass the value as 295990. And in the case of zero decimal currencies such as JPY, to accept a payment of 295, pass the value as 295.

Watch Out!

As per payment guidelines, you should pass the last decimal number as 0 for three decimal currency payments. For example, if you want to charge a customer 99.991 KD for a transaction, you should pass the value for the amount parameter as 99990 and not 99991.

currency

mandatory

string The currency in which the transaction should be made. The length must be 3 characters.

Handy Tips

Razorpay has added support for zero decimal currencies, such as JPY, and three decimal currencies, such as KWD, BHD, and OMR, allowing businesses to accept international payments in these currencies. Know more about

Currency Conversion

(May 2024).

receipt

optional

string Your receipt id for this order should be passed here. Maximum length is 40 characters.

notes

optional

json object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

partial_payment

optional

boolean Indicates whether the customer can make a partial payment. Possible values:

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

mandatory

string Unique identifier of the customer. For example, cust_1Aa00000000004.

Know more about

Orders API

Response Parameters

Descriptions for the response parameters are present in the

Orders Entity

table.

Error Response Parameters

The error response parameters are available in the

API Reference Guide

The razorpay_order_id returned on successful creation of the order should be sent to the Checkout form.

Step 5: Create a Payment

Once an order is created, your next step is to create a payment. The following API will create a payment with Pay with Google Pay Cards as the payment method:

POST

/payments/create/json

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/payments/create/json \
-H "Content-Type: application/json" \
 -d '{
  "amount": "100",
  "currency": "INR",
  "email": "gaurav.kumar@example.com",
  "contact": "9000090000",
  "order_id": "order_EKwxwAgItmmXdp",
  "provider": "google_pay",
  "ip": "192.168.0.103",
  "user_agent": "Mozilla/5.0",
  "description": "Test payment"
}'

Request Parameters

amount

mandatory

integer The amount to be paid by the customer in currency subunits. For example, if the amount is ₹100, enter 10000.

currency

mandatory

string The currency in which the payment should be made by the customer. See the list of

supported currencies

order_id

mandatory

string Order ID generated in the previous step.

mandatory

string Email address of the customer.

contact

mandatory

string Phone number of the customer.

provider

mandatory

string Name of the service provider partnered with Razorpay. Enter the value google_pay.

notes

optional

object Set of key-value pairs used to store additional information about the payment. It can hold a maximum of 15 key-value pairs, each 256 characters long (maximum).

callback_url

optional

string URL endpoint where Razorpay will submit the final payment status.

optional

string Customer IP Address.

referrer

optional

string Customer referrer.

user_agent

optional

string Customer user-agent.

Response Parameters

Given below are the response parameters:

razorpay_payment_id

string Unique identifier of the payment. Present for all responses.

array A list of action objects available to you to continue the payment process. Present when the payment requires further processing.

action

string An indication of the next step available to you to continue the payment process. Possible value:

invoke_sdk: Contains the payload needed to create loadPaymentData payload as specified by the Google SDK specification. Use this to create the payload and pass it to the customer's device. Use the same to invoke the Google Pay app on the user's android app.
poll: Contains the URL you must poll to fetch the payment status (authorized or failed).

Step 6: Prepare payload for Initiating Payment to Google

As a next step, you need to initiate payment to Google SDK integrated in

Step 2

. To initiate the payment, you need to create a payload in the format prescribed by Google. The payload structure is explained in this step:

Google Pay payload: Google expects following payload in payment request:

{
  "apiVersion": 2,
  "apiVersionMinor": 0,
  "allowedPaymentMethods": [
    {
      "type": "UPI",
      "parameters": {
        "payeeVpa": "<Razorpay provided VPA>",
        "payeeName": "Some Name",
        "referenceUrl": "Website URL",
        "mcc": "<Razorpay provided 4 digit MCC>",
        "transactionReferenceId": "<Razorpay provided ID>"
      },
      "tokenizationSpecification": {
        "type": "DIRECT"
      }
    },
    {
      "type": "CARD",
      "parameters": {
        "allowedCardNetworks": [
          "VISA",
          "MASTERCARD"
        ]
      },
      "tokenizationSpecification": {
        "type": "PAYMENT_GATEWAY",
        "parameters": {
          "gateway": "razorpayindia",
          "gatewayMerchantId": "<YOUR_MERCHANT_ID>",
          "gatewayTransactionId": "<PAYMENT_ID>"
        }
      }
    }
  ],
  "transactionInfo": {
    "currencyCode": "INR",
    "totalPrice": "5000.00",
    "totalPriceStatus": "FINAL"
  }
}

Request Parameters

As can be seen, the payload has a lot of fields. Razorpay will provide values to be passed in some of the fields. For the remaining fields, you would need to be pass the values from your end. The value to be passed in each field is displayed in the table below:

UPI Object

The table below explains the fields for the UPI object:

Card Object

The table below explains the fields for the card object:

Step 7: Invoke Google Pay App

The payload created by you in step 6 (using the data available in invoke_sdk action in next array) will be used here. You will need to pass the payload to your Android app and initiate the loadPaymentData function as shown below:

mPaymentClient.loadPaymentData(MainActivity.this,transactionPayload,LOAD_PAYMENT_DATA_REQUEST_CODE);

This will open the Google Pay app on the customer's device for payment processing.

Step 8: Handle response from Google Pay App (Optional)

Google Pay app will return result to onActivityResult function as shown below:

@Override
protected void onActivityResult(int requestCode, int resultCode, Intent data) {
   if (requestCode == LOAD_PAYMENT_DATA_REQUEST_CODE) {
       switch (resultCode) {
           case Activity.RESULT_OK: //payment was successful
               String paymentData = WalletUtils.getPaymentDataFromIntent(data);
               break;
           case Activity.RESULT_FIRST_USER: //internal error, something went wrong
               int statusCode = data.getIntExtra(WalletConstants.EXTRA_ERROR_CODE, WalletConstants.INTERNAL_ERROR);
               handleResultStatusCode(click here)(statusCode);
               break;
           case Activity.RESULT_CANCELED: //the transaction was cancelled by USER
               break;
       }
   }
}

Your app can further use the snippet code below to get more insight into the error code RESULT_FIRST_USER received in onActivityResult:

private void handleResultStatusCode(int statusCode) {
   switch (statusCode) {
       case WalletConstants.ERROR_CODE_BUYER_ACCOUNT_ERROR:
           break;
       case WalletConstants.ERROR_CODE_MERCHANT_ACCOUNT_ERROR:
           break;
       case WalletConstants.ERROR_CODE_UNSUPPORTED_API_VERSION:
       case WalletConstants.INTERNAL_ERROR:
       case WalletConstants.DEVELOPER_ERROR:
       default:
           Toast.makeText(this,"Internal error", Toast.LENGTH_SHORT).show();
           //throw new IllegalStateException("Internal error.");
   }
}

Step 9: Verify Payment Status

When your application gets Result_OK from the Google app, you can verify the same using any of the following methods: