Google Pay™ Using XML

Google Pay Web helps users quickly and easily complete purchases on Android with the Chrome browser, using payment methods saved to a Google Account or Android device.


Google Pay is enabled on the WorldNet for TSYS Saratoga and Elavon Processors only.

When it comes to being able to accept Google Pay transactions, the location of your business matters. Merchants in the following regions are eligible:

  • - United States
  • - Europe
  • - Asia Pacific
  • - Australia

Customer compatibility depends on where the customer stores their card details:

  • Card on Google Account
  • - Available worldwide
  • Card on Android Device - Only customers in the following countries can make this type of payment:
  • - United States
  • - United Kingdom
  • - Singapore
  • - Australia
  • - Hong Kong
  • - Poland
  • - New Zealand
  • - Ireland
  • - Belgium
  • - Russia
  • - Japan
  • - Canada
  • - Taiwan
  • - Spain
  • - Ukraine
  • - Brazil
  • - Czech Republic
  • - Slovakia (Feb, 2018)
  • - France (Coming Spring 2018)
  • - South Korea (Late 2018)


In this integration method you need to implement a few steps:

Step 01: Setup

To process google pay payments, you will need to be sure that the terminals you want to use are configured for that, so:

  • First, register with Google: In order to use the Google Pay API in Production, you must register with Google. To do this, simply navigate to the Google Payment API Support page. You will be asked to register the website you wish to make payments with, and Google will give you a Google Merchant ID which you will use during your Google Pay requests.
  • Secondly, have your Google Pay details configured: Contact our support team and ask for Google Pay to be enabled on the desired terminals

Step 02: Integrate the Google Pay API to your website

The merchant’s developer team will need to implement the Google Payment API to the merchant website in order to retrieve the customers (encrypted) card details (to be informed as GOOGLEPAYLOAD).

Note that during your Google Pay API Request, you will need to specify the following details:

  • merchantId - The Merchant ID given to you by Google
  • gateway - “Worldnet” (but all lower case)
  • gatewayMerchantId - The Merchant ID given to you by the gateway

Step 03: Send Payment Request

After you’ve retrieved the Google Payload, convert the users Google Pay data to Hexadecimal, place it in the XML Payment Request in the GOOGLEPAYLOAD tag, and send the XML Payment Request to our servers as normal.

Consult the XML Payment Features for details on the URL for the request and other body fields too. Using the example below (change the data inside the tags) shows you how to perform a simple transaction using google pay.

    <GOOGLEPAYLOAD>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...... (etc it's quite long)</GOOGLEPAYLOAD>

Variations of this request are possible, but for that, consult the complete reference for a payment at the XML Payment Features page and don't forget that the GOOGLEPAYLOAD tag replaces the TRACKDATA (for transactions using cards) or CARDNUMBER (for transactions using secure card) tags.

Google Resources

Google provides a set of resources to help you with your implementations:

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