Enable payments on multiple surfaces to provide more flexibility to your users. You can also use it to charge orders directly from your servers or payment processor. Increase security by encrypting users’ choice of payment before it is sent back to your app. Simplify the checkout experience so users don’t have to remember their payment details, making the checkout process faster and reducing the percentage of abandonments. You can integrate Google Pay's online APIs to increase conversions by providing a more convenient, more secure and faster way to pay to your users. This includes payment methods that users have already saved to pay for services like YouTube, Google Play or to speed up checkout forms using Chrome Autofill. Users paying online can use any card saved under their Google account(s).Īll forms of payments are stored in the user's Google account and protected by multiple layers of security. This enables users to pay on any device in your sites and apps globally. In contrast, when users pay in your app or on your site through Google Pay, they can select any card saved to their Google Account, including tokenized cards. Users can pay in-stores using NFC-enabled devices with forms of payment that support tokenization. Only cards from supported banks can be tokenized, and this is a necessary step to pay contactless using Google Pay. The process of securing your card details is called tokenization. 
Only the bank or card issuer can decrypt this number to process the transaction. When users use their NFC-enabled mobile device or smart watch to pay in places such as supermarkets, restaurants or shops, the card selected is emulated from the device using a secure number that changes on every transaction. When you integrate the Google Pay API into your app or site, your customers can then transact using any of those cards in as few as two clicks.
This includes payments for goods and services on e-commerce merchants, online marketplaces and Android apps. With Google Pay, users can pay with all credit and debit cards saved to their Google Account, making hundreds of millions of cards enabled for faster checkout in your apps or websites.
It also allows users to store tickets and passes, manage loyalty cards and keep track of transactions. Google Pay is designed to make transactions simple from contactless payments to online purchases and even peer-to-peer payments. Posted by Jose Ugia, Developer Programs Engineer
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