Google Pay 网站收款 API 对接

Google Pay 是 Android Pay 与 Google Wallet（谷歌钱色）合并后的产品，网上查找的很多是过时资料，或者 Google Play 的收款，注意甄别。

Google Pay 通过两种方式对接，

• 通过付款服务机构
• 直接对接

付款服务机构，即Google Pay 官方公布的第三方 合作处理方 PSP 
直接对接，需要资质：服务器及软件系统需要通过 支付卡行业（PCI）数据安全标准（DSS）1级标准，普通企业很难获得

Google Pay 合作处理方 PSP 清单地址：

https://developers.google.cn/pay/api?hl=zh-cn#participating-processors

默认的 Google Pay 账号是付款账号，用于网站购物，需要申请成为商家

申请成为商家地址：

https://pay.google.com/business/console?hl=zh-cn

开发文档：

https://developers.google.cn/pay/api/web/overview?hl=zh-cn

开发文档结层总结的示例存为 html 文件，可直接运行，可正常调用 Google Pay 进行支付，下一步的工作是对相关配置进行调整：

<div id="container"></div>

<script>
/**
 * Define the version of the Google Pay API referenced when creating your
 * configuration
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#PaymentDataRequest|apiVersion in PaymentDataRequest}
 */
const baseRequest = {
  apiVersion: 2,
  apiVersionMinor: 0
};

/**
 * Card networks supported by your site and your gateway
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#CardParameters|CardParameters}
 * @todo confirm card networks supported by your site and gateway
 */
const allowedCardNetworks = ["AMEX", "DISCOVER", "INTERAC", "JCB", "MASTERCARD", "VISA"];

/**
 * Card authentication methods supported by your site and your gateway
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#CardParameters|CardParameters}
 * @todo confirm your processor supports Android device tokens for your
 * supported card networks
 */
const allowedCardAuthMethods = ["PAN_ONLY", "CRYPTOGRAM_3DS"];

/**
 * Identify your gateway and your site's gateway merchant identifier
 *
 * The Google Pay API response will return an encrypted payment method capable
 * of being charged by a supported gateway after payer authorization
 *
 * @todo check with your gateway on the parameters to pass
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#gateway|PaymentMethodTokenizationSpecification}
 */
const tokenizationSpecification = {
  type: 'PAYMENT_GATEWAY',
  parameters: {
    'gateway': 'example',
    'gatewayMerchantId': 'exampleGatewayMerchantId'
  }
};

/**
 * Describe your site's support for the CARD payment method and its required
 * fields
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#CardParameters|CardParameters}
 */
const baseCardPaymentMethod = {
  type: 'CARD',
  parameters: {
    allowedAuthMethods: allowedCardAuthMethods,
    allowedCardNetworks: allowedCardNetworks
  }
};

/**
 * Describe your site's support for the CARD payment method including optional
 * fields
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#CardParameters|CardParameters}
 */
const cardPaymentMethod = Object.assign(
  {},
  baseCardPaymentMethod,
  {
    tokenizationSpecification: tokenizationSpecification
  }
);

/**
 * An initialized google.payments.api.PaymentsClient object or null if not yet set
 *
 * @see {@link getGooglePaymentsClient}
 */
let paymentsClient = null;

/**
 * Configure your site's support for payment methods supported by the Google Pay
 * API.
 *
 * Each member of allowedPaymentMethods should contain only the required fields,
 * allowing reuse of this base request when determining a viewer's ability
 * to pay and later requesting a supported payment method
 *
 * @returns {object} Google Pay API version, payment methods supported by the site
 */
function getGoogleIsReadyToPayRequest() {
  return Object.assign(
      {},
      baseRequest,
      {
        allowedPaymentMethods: [baseCardPaymentMethod]
      }
  );
}

/**
 * Configure support for the Google Pay API
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#PaymentDataRequest|PaymentDataRequest}
 * @returns {object} PaymentDataRequest fields
 */
function getGooglePaymentDataRequest() {
  const paymentDataRequest = Object.assign({}, baseRequest);
  paymentDataRequest.allowedPaymentMethods = [cardPaymentMethod];
  paymentDataRequest.transactionInfo = getGoogleTransactionInfo();
  paymentDataRequest.merchantInfo = {
    // @todo a merchant ID is available for a production environment after approval by Google
    // See {@link https://developers.google.com/pay/api/web/guides/test-and-deploy/integration-checklist|Integration checklist}
    // merchantId: '12345678901234567890',
    merchantName: 'Example Merchant'
  };
  return paymentDataRequest;
}

/**
 * Return an active PaymentsClient or initialize
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/client#PaymentsClient|PaymentsClient constructor}
 * @returns {google.payments.api.PaymentsClient} Google Pay API client
 */
function getGooglePaymentsClient() {
  if ( paymentsClient === null ) {
    paymentsClient = new google.payments.api.PaymentsClient({environment: 'TEST'});
  }
  return paymentsClient;
}

/**
 * Initialize Google PaymentsClient after Google-hosted JavaScript has loaded
 *
 * Display a Google Pay payment button after confirmation of the viewer's
 * ability to pay.
 */
function onGooglePayLoaded() {
  const paymentsClient = getGooglePaymentsClient();
  paymentsClient.isReadyToPay(getGoogleIsReadyToPayRequest())
      .then(function(response) {
        if (response.result) {
          addGooglePayButton();
          // @todo prefetch payment data to improve performance after confirming site functionality
          // prefetchGooglePaymentData();
        }
      })
      .catch(function(err) {
        // show error in developer console for debugging
        console.error(err);
      });
}

/**
 * Add a Google Pay purchase button alongside an existing checkout button
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#ButtonOptions|Button options}
 * @see {@link https://developers.google.com/pay/api/web/guides/brand-guidelines|Google Pay brand guidelines}
 */
function addGooglePayButton() {
  const paymentsClient = getGooglePaymentsClient();
  const button =
      paymentsClient.createButton({
        onClick: onGooglePaymentButtonClicked,
        allowedPaymentMethods: [baseCardPaymentMethod]
      });
  document.getElementById('container').appendChild(button);
}

/**
 * Provide Google Pay API with a payment amount, currency, and amount status
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/request-objects#TransactionInfo|TransactionInfo}
 * @returns {object} transaction info, suitable for use as transactionInfo property of PaymentDataRequest
 */
function getGoogleTransactionInfo() {
  return {
    countryCode: 'US',
    currencyCode: 'USD',
    totalPriceStatus: 'FINAL',
    // set to cart total
    totalPrice: '1.00'
  };
}

/**
 * Prefetch payment data to improve performance
 *
 * @see {@link https://developers.google.com/pay/api/web/reference/client#prefetchPaymentData|prefetchPaymentData()}
 */
function prefetchGooglePaymentData() {
  const paymentDataRequest = getGooglePaymentDataRequest();
  // transactionInfo must be set but does not affect cache
  paymentDataRequest.transactionInfo = {
    totalPriceStatus: 'NOT_CURRENTLY_KNOWN',
    currencyCode: 'USD'
  };
  const paymentsClient = getGooglePaymentsClient();
  paymentsClient.prefetchPaymentData(paymentDataRequest);
}

/**
 * Show Google Pay payment sheet when Google Pay payment button is clicked
 */
function onGooglePaymentButtonClicked() {
  const paymentDataRequest = getGooglePaymentDataRequest();
  paymentDataRequest.transactionInfo = getGoogleTransactionInfo();

  const paymentsClient = getGooglePaymentsClient();
  paymentsClient.loadPaymentData(paymentDataRequest)
      .then(function(paymentData) {
        // handle the response
        processPayment(paymentData);
      })
      .catch(function(err) {
        // show error in developer console for debugging
        console.error(err);
      });
}
/**
 * Process payment data returned by the Google Pay API
 *
 * @param {object} paymentData response from Google Pay API after user approves payment
 * @see {@link https://developers.google.com/pay/api/web/reference/response-objects#PaymentData|PaymentData object reference}
 */
function processPayment(paymentData) {
  // show returned data in developer console for debugging
    console.log(paymentData);
  // @todo pass payment token to your gateway to process payment
  paymentToken = paymentData.paymentMethodData.tokenizationData.token;
}</script>
<script async
  src="https://pay.google.com/gp/p/js/pay.js"
  onload="onGooglePayLoaded()"></script>