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How do i integrate google wallet in my application

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.

Need help after being charged for IAP despite another highly upvoted SO saying I won't be during testing

In this thread: Testing Android In App Billing real purchases
The poster says that you will NOT be charged and to "not be afraid" to put your credit card info when testing IAP's in Beta/Alpha as you "WON'T BE CHARGED"... well, he's wrong... I was charged, how can I get this money back? I am the developer of the app but I do not know what to do.

If you are charged means It was happend a REAL purchase.
Refund options:
Merchant End:
The real purchases do always reflect in merchant page. If you have the access to the merchant page, you can CANCEL and refund the purchase you made.
User perspective:
you can request a refund https://support.google.com/googleplay/answer/2479637?hl=en-IN
You will be recieving an E-mail to the account with which you have done purchase. There you can see the links to initiate refunds.
Initiate refund with in 48 hrs of purchase, where the refund is accepted from play store directly. If it is more than 48 hrs you have contact authoritative people of the app to make a refund.
Regarding money charge: If you add a credit card to a play store account, initially some amount will be debited from the card. This charges are not for being purchasing any in app feature. If you are aware of this please ignore.
Make sure you have your account under LICENSE TESTING group to not being charged on test purchases.

doubts regarding Google Merchant account required to publish games having in app purchase

this is my first question here.
so the thing is
I have developed an android game having In App Purchase feature
I have used my friend's debit card to pay $25 to get a developer
account on google play.
My doubts are
How do I get money of In App Purchased products?(I know that Google merchant account is required for that. But I want to know more in detail)
Can we transfer that money to our bank accounts?
If 'Yes' then can I link my own bank account to google merchant account or it will be transferred to the account of my friend whose debit card I have used to pay $25 ?
sorry if my questions seems to be confusing. I am new to all this and didn't get any solution from google.
Please help me guys. Thank you!

When you create a Google Merchant Account, there is a section called Payment settings.
Here you can set Payment schedule and Payment method.
Payment schedule: The payment schedule is not changeable, but you can
apply a self-hold to prevent payout. Please note that changes to the
self-hold must be made before the 21st of the month to affect the
current month’s payment cycle.
Payment method: This section allows you to select one of the payment methods available to you based on the country of your business address.

Testing Android In-App purchase with real products

im trying to test In App purchases for my android app:
I already read the android developer sites about testing and I already have worked successfully with the play stores build in test/fake product-items like android.test.purchased, android.test.canceled ...
Now I would like to test In App purchases with my own real products. Therefore I have specified my own products in the Google Play Store Developer Console.
My question:
According to the android developers guide, it should be possible to buy this real item without transferring real money, by simply adding a gmail Account into the App settings (under the section LICENSE TESTING) in the Play Store Developer Console.
LICENSE TESTING
In addition to the owner of this console the following
users will get the License test response from the application. They
can also make in-app purchases from APKs that have been uploaded but
not been published yet.
So if login to google play store on my test device with a gmail account, that I have added to this LICENSE TESTING section, I should be able to buy items, without transferring real money? Did I get it right? Has anyone experience with testing in app purchases and can give me some useful advises?

From my recent experience.
With a different gmail account from the developer it is possible to buy in app purchases which are published for an app that has been uploaded but not published. You have to exchange real money but it is possible to refund the money. I think you would lose the 30% transaction fee to Google.

Don't know if this is relevant, but here's a good guide for testing purchases, including test purchase accounts in google:
http://developer.android.com/google/play/billing/billing_testing.html

With a test account the IAP will not be charged.
http://developer.android.com/google/play/billing/billing_testing.html
"Test purchases and developer account
Authorized license test accounts are associated with your developer account in Google Play, rather than with a specific APK or package name. Identifying an account as a test account enables it to purchase any of your in-app products without being charged. "

Does an Android Market test account actually get charged by In-App purchase?

I've followed the steps to upload the In-App Billing Sample App as an unpublished, draft app on the Market for testing purposes. I have my google account set up as a Test Account under my Market credentials and was wondering if my credit card will actually be charged when I purchase the potion or sword?
I know that I should refund the purchase from my Google Checkout Merchant account but will it actually charge my card if I don't?

Okay, after actually trying it, my card is really charged. Just an fyi for anybody that was wondering. The four android.test.xxx product IDs are the only test transactions that are possible that won't use your real account info and card.