XP Cloud:Google Pay

X-Payments Cloud User Manual

1. X-Payments Cloud: General information
2. Get Started with X-Payments Cloud
3. Two-factor User Authentication
   • with the Google Authenticator App
   • with SMS/Text Messages
   • with Backup Codes
   • Add an Alternative Method
   • Change the Preferred Method
4. General Settings
5. Payment Configurations
   • Add a Payment Configuration
   • Payment Configurations List
     
   • View the Details of a Payment Configuration
     
   • Enable/Disable a Payment Configuration
     
   • Edit the Details of a Payment Configuration
     
   • Delete a Payment Configuration
     
   • Choice of Payment Configuration for a Payment
6. Services
   • 3D-Secure
   • KOUNT Antifraud Screening
   • NoFraud Fraud Prevention
   • Signifyd Fraud Protection
   • Apple Pay
   • Google Pay
7. Users
   • Add a New User Account
     
   • Users List
     
   • View a User's Account Details
     
   • Edit a User's Account Details
     
   • Change a User's Account Status
     
   • Manage User Permissions
     
   • Request Password Change for a User
     
   • Delete a User Account
     
8. User Interface
   • Customize the Payment Form Appearance
   • Translate or Edit the User Interface Text
9. Payments
   • Payments List
   • Payment Statuses
   • Search for Payments
   • View the Details of a Payment
   • Delete a Payment
   • Auth and Capture (Capturing Funds)
   • Void an Authorization
   • Issue a Refund
     
   • Manage High Risk Transactions
     
   • Emulate Transactions
     
   • Clear Cardholder Data
   • Tokenization and Re-Use of Saved Cards
     
   • Delayed Payment Feature
     
10. Supported Payment Gateways
11. What's New in X-Payments Cloud

Advanced X-Payments plans (100K or more transactions per year) enable you to accept payments from your online store customers via Google Pay. Using Google Pay for online payments provides many benefits for both the customer and the merchant making the buying process faster and easier.

Google Pay is not an independent payment gateway but a means of card tokenization that allows buyers to pay at your store without getting you to handle and store sensitive payment card information. For more info, see How payments work.

To offer Google Pay as a payment method on your store website, you need to be using a payment configuration based on a payment gateway integration that supports Google Pay:

• Authorize.Net;
• Braintree, direct integration with CC storing;
• Chase Paymentech Orbital;
• CyberSource - SOAP toolkit API;
• First Data Payeezy Gateway (formerly Global Gateway e4).

Detailed information on Google Pay API is available on the Google Pay API Developer site.

Using Google Pay, you agree to comply with Google Pay Terms of Service and Google Pay APIs Acceptable Use Policy and to ensure that all pages that include Google Pay are served over HTTPS.

Enable Google Pay Payment Method

Important: Google Pay payment method in your store is not an independent payment method; for its operation, it requires the payment method "X-Payments Cloud" to be active/enabled. Before you attempt to enable Google Pay, please ensure your main X-Payments Cloud payment method is properly configured and working.

To enable Google Pay, complete the steps below:

1. In X-Payments Cloud, configure and enable at least one payment configuration based on a payment gateway integration with Google Pay support. For example, if you want payments tokenized via Google Pay to be processed via Authorize.Net, go to Settings > Payment processing, add a payment configuration for Authorize.Net and make sure it is enabled. The screenshot below demonstrates adding a payment configuration for Authorize.Net in the standalone X-Payments Cloud admin panel; however, you do not have to use the standalone panel - the same can be done via the integrated X-Payments Cloud panel in your store's admin.
   
   More information on the management of payment configurations in X-Payments Cloud is available in the section Payment Configurations.
   Note that if you have already added the payment configuration you require for Google Pay when configuring your main X-Payments Cloud payment method, you do not need to add it a second time for Google Pay separately.
   
   
2. Configure Google Pay as a service in X-Payments Cloud. This can be done via the Services section of the General settings page (Settings > General). The screenshot below shows the Services section of the General settings page as it appears in the standalone X-Payments Cloud admin panel; however, you do not have to use the standalone panel - the same can be done via the integrated X-Payments Cloud panel in your store's admin.
   
   See the section Configure Google Pay Service in X-Payments Cloud further below for detailed instructions on configuring Google Pay service.
   
   
3. Make sure the payment method "Google Pay" is active/enabled in your store. The following screenshot was made in the Payment methods section of an X-Cart 5.4 based store; stores based on other platforms will have their own sections to manage payment methods.
   
   
   

Once the above steps have been completed, Google Pay will become available as a payment method in your store.

Configure Google Pay Service in X-Payments Cloud

The instruction below explains the configuration of Google Pay service for Step 2 of the procedure above. To complete the configuration, follow these steps:

1. In the Services section of the General settings page (Settings > General), click the Configure link for Google Pay service. A page titled "Google Pay configuration" opens.
   
   
2. Check the line that says Status. On this line, a button is provided that allows you to control the status of your Google Pay method (Enabled / Disabled). For example, you can use this button to disable your Google Pay method without disabling your main X-Payments Cloud payment method. Now, however, we are trying to get your Google Pay payment method working, so be sure to set this Status button to Enabled.
   
3. Check and adjust the Accept "PAN ONLY" transactions setting. PAN ONLY transactions are those in which Google Pay returns the actual payment card number instead of a token. (In this case, it is only the card number that is returned, without the CVV code, so an additional means to verify payer information is required - which is achieved by using 3-D Secure.) If you choose to accept PAN ONLY transactions, make sure you have a 3-D Secure service enabled for any payments that require Strong Customer Authentication (SCA) under the second Payment Services Directive (PSD2). Please also make sure that any payment gateways that process Google Pay payments for you do support such transactions.
4. Click Save to save your changes.

That's all. Google Pay has been configured.

Customer Experience with Google Pay Payments

In a store with Google Pay payment method configured and enabled, it will be available for selection in the shopping cart and at the checkout. For example, in our demo store based on X-Cart we can see the Google Pay payment option available in the mini cart:

on the cart page:

and at the checkout:

Merchant Experience with Google Pay Payments

As a merchant, you will be able to see if a payment has been made with Google Pay by looking at the payment information page in your X-Payments Cloud admin panel:

In addition to that, information about the payment method used will be available in the store. The screenshot below demonstrates the store transactions list as seen in our X-Cart demo store with all the transactions visible on the page being made via Google Pay.

On the pages of specific orders paid for via Google Pay, the payment method information will also be provided as usual.