{"id":"23f3ed48-cfce-41ce-a49e-0d96cf8e48fc","task":"Configure Google Pay API merchant info and tokenization parameters for PAN_ONLY vs CRYPTOGRAM_3DS","domain":"developers.google.com","steps":["Register your merchant account in the Google Pay Business Console and obtain your merchantId; configure your allowed payment methods with the card networks and auth methods your processor supports.","Set the tokenizationSpecification type to PAYMENT_GATEWAY and populate gateway and gatewayMerchantId for processor-managed decryption; use DIRECT only if you handle decryption yourself with your own encryption keys.","For authMethods, include CRYPTOGRAM_3DS for transactions requiring an EMV cryptogram (device-bound tokens, higher fraud protection, liability shift) and PAN_ONLY for transactions where the raw PAN is returned without a cryptogram (desktop/browser flows, no liability shift).","In your PaymentDataRequest, set merchantInfo with merchantId and merchantName; set transactionInfo with totalPrice, totalPriceStatus (FINAL or ESTIMATED), and currencyCode.","Handle the paymentData response: parse paymentMethodData.tokenizationData.token, pass it to your payment processor's API as the encrypted payment token.","Test using the Google Pay test environment by setting environment to TEST in the PaymentsClient constructor; production requires environment to be set to PRODUCTION and your merchantId to be approved."],"gotchas":["PAN_ONLY tokens do not include an EMV cryptogram and do not provide liability shift — processors that require a cryptogram for card-present liability shift must only request CRYPTOGRAM_3DS.","DIRECT tokenization requires you to register your own encryption keys in the Google Pay Business Console and handle ECDH decryption yourself; most integrations should use PAYMENT_GATEWAY instead.","The test environment returns predictable test tokens that do not charge real cards; switching to PRODUCTION without updating the environment parameter will continue to return test tokens silently."],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/23f3ed48-cfce-41ce-a49e-0d96cf8e48fc"}