Many people are confused about the differences between Web Payments, Payment Request API, and Google Pay. In this article, I’ll clarify the differences and explain my recommendations for what merchants should implement.
- Web Payments is the name of the working group at W3C trying to standardize a set of open standards payments in the browser. It is also used generally to mean the overall effort to make payments better on the web.
- Payment Request API is one of specifications the Web Payments Working Group has written. The API governs how a user agent (browser) can communicate with an implementation (website) to exchange payment credentials. Payment Request API is a lower layer API for Google
- Pay API and can launch payment apps such as Google Pay.
Read on to learn more.
What is Google Pay?
Google Pay is a recently launched consumer-facing payment app from Google. It unifies various payment services into a single brand and provides a simple, streamlined experience. Its main feature is to make payments easier, whether your customers are shopping at a physical store or online in your apps or websites.
Google Pay enables users to pay with any credit or debit card saved to their Google account, including cards provisioned on Android devices using the Google Pay app.
Network tokens are provisioned and stored to a device using a virtual account number. Tokenized cards are convenient for tap-to-pay at physical stores, but they also include a one time use element that makes them more secure than regular cards. They can also be updated automatically by the card issuer if the physical card details change for any reason.
Cards saved to Google are credit card numbers stored in a user’s Google account. They are typically stored when a user pays for Google Play, YouTube, Google Cloud, etc. Users can check their cards at https://pay.google.com/payments/.
Cards saved to Google are available for hundreds of millions of users that have made payments through various Google services — and so this can include users who haven’t installed or launched the Google Pay app.
Payment Request API and Google Pay API
Payment Request API in a nutshell
As many of you who have read my previous articles already know, Payment Request API is an open web standard that brings native UI to browsers and mediates a payment between a website and a user. It is a new, flexible, and structured form with a static native browser UI.
The API is already implemented in Chrome, Edge, Safari, Samsung Internet Browser, and Firefox is very close to finishing their implementation.
The Payment Request API specification is designed in a way that is flexible enough for a browser to support any payment method. There are two types of payment methods, standardized and URL-based. See “How payment methods work in the Payment Request API” to learn more about these payment method types…..Read More>>>