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Offer your customers a better way to pay from their Android™ devices with Google Pay™. Google Pay™ gives your customers a faster, simpler way to pay - one where they don’t have to search for their wallets or fill in multiple payment forms.

Google Pay™ Configuration

Google Pay™ is making their way into the market and it’s important to understand the options available to merchants when integrating Google Pay™ to apps and websites. Moneris Solutions offers two processing and integration methods for Google Pay™. Merchants can choose to use a Software Development Kit (SDK) or an API. While both methods provide the same basic functionalities, below will outline differences between each and how to choose which method is right for you.


For both API and SDK methods of integration, the merchant’s app or website uses Google Pay™ Framework to request and receive encrypted payment details from Google. When payment details are returned in their encrypted form, they can be decrypted and processed in one of two ways: SDK or API.

Note: In the API scenario where merchant’s server is responsible for decrypting the payload, merchants must sign agreement with Google directly. Google can then provide you with the keys to decrypt the payload.

google pay flow

Step 1: Merchant’s app or website requests and receives the encrypted payload.
Step 2: Encrypted payload is sent to the merchant’s server, where it is decrypted.
Step 3: Moneris Gateway receives the decrypted payload from the merchant’s server, and processes the transaction similar to a normal credit or debit transaction.

Step 1: Merchant’s app requests and receives the encrypted payload.
Step 2: Encrypted payload is sent from the merchant’s server to the Moneris Gateway, and the payload is decrypted and processed.