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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，
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>
