Payment Method: Google Pay™

Google Pay™ offers a fast, secure way for customers to pay using their Google accounts (currently only payment using cards is available in Indonesia). Midtrans sends real-time notification when the customer completes the payment.

The payment flow would be as following sequence diagram:

The steps to integrate Google Pay™ with Midtrans are given as follow:

1. Generate JWT Token
2. Create Google Pay™ button
3. Send Charge Request using token acquired from Google Pay™ API

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Note

Currently, JWT Token would not be required if you are testing on Midtrans Sandbox. So for Sandbox testing, you are allowed to skip Step 1 and go directly to Step 2

1. Generate JWT Token

You are required to create a JWT Token which will be used for Google Pay™ API requests to display the Google Pay™ button in your payment checkout page.

The Google Pay™ API JavaScript Web Token (JWT) solution enables authorized web platform partners to integrate the Google Pay™ API for Web without having individual merchants register each web domain in the Google Pay & Wallet Console.

JWT Request

curl 'https://panapi.midtrans.com/google_auth' \
  -H 'Accept: application/json' \
  -H 'Authorization: Basic Y2xpZW50X2tleTo=' \
  --data-raw '{"merchantOrigin":"examplestore.com"}'// use your payment checkout page domain

Note: To generate authorization from merchant client key, you can use below sample:

Sample Client Key Authorization

$ echo -n "<MERCHANT_CLIENT_KEY>:" | base64

JWT Response

{
    "authJwt": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c"
}

2. Create Google Pay™ Button

After acquiring the JWT Token, you can follow the steps in this Google Pay™ Tutorial to integrate your web application with the Google Pay™ API, and configure it to accept payment cards. This configuration would allow you to create a Google Pay™ button to be displayed and actionable for payment proceeding.

During payment tokenization method selection, choose GATEWAY. Specify midtrans as the gateway and fill in BCR2DN4T2PNOHCSD in the gatewayMerchantId parameter.

Midtrans currently only supports VISA, MASTERCARD, JCB and AMEX networks. For AMEX, please contact us for further enablement process.

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Note

On test environment, Google will only return card number of 4111111111111111

3. Send Charge Request

To process your card payment using Google Pay™, you are required to send a Charge Request for card as below sample:

Charge Request

{
  "payment_type": "credit_card",
  "transaction_details": {
    "order_id": "C17550",
    "gross_amount": 145000
  },
  "credit_card": {
    "google_pay_token": { // instead of token_id, we will pass google_pay_token
      "protocolVersion":"ECv2",
      "signature":"MEQCIH6Q4OwQ0jAceFEkGF0JID6sJNXxOEi4r+mA7biRxqBQAiAondqoUpU/bdsrAOpZIsrHQS9nwiiNwOrr24RyPeHA0Q\u003d\u003d",
      "intermediateSigningKey":{
        "signedKey": "{\"keyExpiration\":\"1542323393147\",\"keyValue\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE/1+3HBVSbdv+j7NaArdgMyoSAM43yRydzqdg1TxodSzA96Dj4Mc1EiKroxxunavVIvdxGnJeFViTzFvzFRxyCw\\u003d\\u003d\"}",
        "signatures": ["MEYCIQCO2EIi48s8VTH+ilMEpoXLFfkxAwHjfPSCVED/QDSHmQIhALLJmrUlNAY8hDQRV/y1iKZGsWpeNmIP+z+tCQHQxP0v"]
      },
      "signedMessage":"{\"tag\":\"jpGz1F1Bcoi/fCNxI9n7Qrsw7i7KHrGtTf3NrRclt+U\\u003d\",\"ephemeralPublicKey\":\"BJatyFvFPPD21l8/uLP46Ta1hsKHndf8Z+tAgk+DEPQgYTkhHy19cF3h/bXs0tWTmZtnNm+vlVrKbRU9K8+7cZs\\u003d\",\"encryptedMessage\":\"mKOoXwi8OavZ\"}"
    },
    "authentication": true,// true if you'd like to enable 3DS for the transaction
  }
}

Charge Response

{
  "status_code": "201",
  "status_message": "Success, Credit Card transaction is successful",
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "order_id": "C17550",
  "redirect_url": "https://api.veritrans.co.id/v2/3ds/redirect/451249-2595-e14aac7f-cfb3-4ab2-98ab-5cc5e70f4b2c",
  "gross_amount": "145000.00",
  "currency": "IDR",
  "payment_type": "credit_card",
  "transaction_time": "2018-09-12 22:10:23",
  "transaction_status": "pending",
  "masked_card": "48111111-1114",
  "card_type": "credit",
  "three_ds_version": "2",
  "on_us": true
}

The 3DS response is identical with Card Payment Charge Response, with the additional attributes will be added if you enable the 3DS feature

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Note

When you are testing the payment using Google Pay™ in Midtrans sandbox, you need to set different transaction amounts to reflect different cases, such as:

• The charge will be successful/accepted if the transaction amount is set as IDR 10,002 or IDR 10,004.
• If the transaction amount is set as IDR 10,001 or IDR 10,003, the charge will be denied.
• Any other transaction amounts will result in the charge being denied with an unknown card error.