I want to set up my Android app to accept money from users Google Pay accounts and disperse money to Google Pay accounts all from the app. I have seen people mention that Google Pay returns a token, and I need to use a payment processor, however I am not sending the money to their bank accounts. I want the entire transaction to go from their Google Pay account, to my Google Pay account, back to their Google Pay account. Is that possible or does Google Pay simply return an instance of their banking information even when they're using Google Pay as well?
Unfortunately, the Google Pay API does not offer this functionality. It's used by merchants to accept payments from their customers and it thus requires a payment processor.
Google Pay Send is a feature inside of Google Pay which is used for peer-to-peer payments and it doesn't offer an API.
In short, you can't leverage Google Pay for third party money transfers directly - you would need to use a payment processor or gateway to facilitate the transfers.
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In the google pay API one needs to mention the gateway for tokenization for payment details.
tokenizationSpecification: {
type: 'PAYMENT_GATEWAY',
gateway: 'example',
gatewayMerchantId: 'exampleGatewayMerchantId',
}
So do I first need to buy a supported payment gateway? If so, why won't I accept payments from the gateway itself rather than from GPAY.
So do I first need to buy a supported payment gateway?
Yes, you need to sign up with a supported payment gateway. The reason for this is because Google Pay doesn't process payments, it facilitates it. What I mean by that is it provides you (the merchant) with a secure method of sharing a customer's payment details (through Google Pay) with a payment gateway for processing. In this setup, only saved payment details are only known to Google and the payment gateway.
If so, why won't I accept payments from the gateway itself rather than from GPAY.
The reason that you should consider using Google Pay is that entering payment and contact details can be difficult on a mobile device. Giving your customers access to re-use information that they have already saved on their device makes it easy and convenient for them to complete their purchase which reduces the chances of them from dropping out.
"So do I first need to buy a supported payment gateway? If so, why won't I accept payments from the gateway itself rather than from GPAY."
Not true.. what you need is to setup your account on Google Pay Merchant Account, from there you can get the parameters you need for your development
What is the difference between Google Pay Api and Android Pay Api. What I know is using Android Pay Api we use do both payment and adding loyalty cards. Now google has introduced Google Pay Api. Is it replacement for Android Pay Api?
Google just announced that it’s combining all of its different payment services, including Android Pay and Google Wallet, into one unified service, simply called Google Pay.
With the new system, payment information saved in your Google account will be available everywhere you use Google products: in Chrome for web purchases, in YouTube for renewing your subscriptions, in apps on Android for in-app purchases, and at retail outlets with NFC payments.
Reference link -- Google Pay
I want to integrate google wallet in my application:
I need the below functionality:-
User can buy some coins from merchant application using google wallet .
For e.g. User will be given an option that 10 coins -- 1$.
so user will be redirected to his google wallet and payment of 1$ will be done from his google wallet to Merchant application's wallet.
User can redeem the coins to money in his google wallet . < This will be done automatically once the user's coin count reaches a predefines value say 1000.> So As soon as user's coins reach 1000. They will be converted to dollars and will be added in his google wallet.
As i did some research :
Google Wallet is available on Android in two flavors.
In-app Billing - used to sell digital goods:
http://developer.android.com/google/play/billing/index.html
Instant Buy for Android - used to sell real goods and services:
https://developers.google.com/commerce/wallet/android-overview/
I do not understand which one of the two serves my purpose.
Please guide me . Thanks
Neither of the two will serve your purpose fully, as neither will allow your second scenario (selling coins back for real money).
In-app billing will let your user buy coins and pay via the Play Store.
Instant Buy (Android Pay) is just a payment method you can use. You'll still need a payment processor (e.g. Stripe or Braintree). The payment processor may allow your second scenario as well, but this will not be handled by Android Pay.
There is no way to pay to a user's Google Wallet. Google Wallet can only be used to send money to friends and family, not for conducting any business. This functionality existed in the past, but is now fully integrated and rebranded into Android Pay (Instant Buy).
I got the answer for this question.
I needed to integrate In-app-billing. I declared my products on google developer console. And user can buy the products using in app billing service.
For Redeeming , google does not support peer to peer payment processing . So my application can not give money directly from merchant account to user account using google service . Google does not support it .
I needed to integrate Paypal for sending money to user account from merchant account.
I'm currently trying to integrate a service that will enable my users to purchase In-App virtual products.
However I've tried to integrate Google's In-App Billing service into my app, however it requieres a Google Checkout Merchant account, which is not supported in South Africa for some reason. So I can scrap that idea unless I have a bank account in one of the supported countries?
I'm just having a look PayPal. Is this a good option?
So my questions:
Is there anyway I could still somehow get Google In-App billing to work?
Is PayPal a good option? (I'm guessing it would limit potential customers)
Are there any other good options for IAP?
Read the developer agreement and consult a lawyer if necessary, but simply put all billing for virtual items needs to go through Google Checkout/Wallet. PayPal would be against those terms if you distribute through Google Play.
The only reliable way is open a developer and bank account in a country that supports paid apps.
I've pretty much only found out that "You must have a Google Wallet Merchant account to use Google Play In-app Billing." But I don't understand... What is it for? Do I actually need this? What does it do? How and where do I get one, and does it cost anything? The Google Wallet website seems to only have information for actual stores, not apps.
What I want is there to be a free, limited version of my app, but the user could pay a monthly subscription to get access to the full features.
I found out that what they mean by "Google Wallet merchant" is just "Google Checkout". "Google Wallet" has two parts, the app and online. The app is just for NFC purchases and nothing else, you cannot use any prepaid money on the Google Wallet app to buy anything on Google Play. The other part is the payment system that Google runs. This second part was formerly called Google Checkout, but a few months ago they merged Google Checkout and the Google Wallet system into one name to keep their money systems consistent.
TL;DR - you do not need Google Wallet to use in-app billing. You need Google Checkout, which is easier to register for and free.