# 纯API - GooglePay ::: tip 该文档介绍纯API模式下，使用Google Pay的集成步骤。 ::: 纯API集成模式下，商户需要自行构建相关的支付页面，如：收银页、支付结果页等；此外，还需要商户进行复杂的证书配置以及加解密处理。因此，该模式需要商户投入更多的研发成本。 ## 1. 交互流程 ```mermaid %%{init: { 'theme': 'base', 'themeVariables': { 'primaryColor': '#e6f0ff', 'primaryTextColor': '#333', 'primaryBorderColor': '#5b9bd5', 'lineColor': '#888', 'actorMargin': 40, 'noteBkgColor': '#0056b3', 'noteTextColor': '#ffffff', 'noteBorderColor': '#004a99' } }}%% sequenceDiagram participant Client as 商户客户端 participant MServer as 商户服务端 participant PMServer as PayerMax服务端 participant Google as Google %% 第一阶段：下单与调起选卡页 Client->>MServer: 1.1 用户下单并选择Google Pay MServer->>Google: 1.2 商户用自己的开发者账号信息请求Google Pay并拉起选卡页 %% 第二阶段：选卡与加密 Client->>Google: 2.1 用户在选卡页选择要使用的卡或添加新卡，并确认 Google->>Google: 2.2 使用商户公钥加密卡信息 Google-->>Client: 2.3 返回加密Token %% 第三阶段：支付处理 Client->>MServer: 3.1 支付 MServer->>MServer: 3.2 使用私钥解密 MServer->>PMServer: 3.3 提交支付请求 PMServer->>PMServer: 3.4 完成支付 PMServer-->>MServer: 3.5 支付结果 ``` ## 2. 集成步骤 商户需要自己先获取`Google Pay Token`，解密Token得到`卡信息`，然后将解密后的卡信息传递给PayerMax。 要详细了解Google Pay付款请求，请参考：[Google Pay Object Reference](https://developers.google.com/pay/api/web/reference/request-objects)。 ::: warning 注意： 若商户已在自己收银台集成过Google Pay，可直接按步骤2.2对接即可。 ::: ### 2.1 集成Google Pay 有关于Google Pay集成的信息，请首先参考 [Google Pay API 指南](https://developers.google.com/pay/api?hl=zh-cn)。 #### 2.1.1 配置Google Pay商户账户 1. 注册[Google Pay Business Console](https://pay.google.com/business/console/?hl=zh-cn)； 2. 获取核心参数： - `merchantId` - 谷歌商户ID - `paymentGatewayId` - 支付网关ID 3. 生成解密密钥： ``` # 生成ECDSA密钥对 openssl ecparam -genkey -name prime256v1 -noout -out google_pay_private.pem openssl ec -in google_pay_private.pem -pubout -out google_pay_public.pem ``` #### 2.1.2 客户端集成Google Pay支付 服务端提供支付配置参数供客户端初始化Google Pay。 ```js const paymentsClient = new google.payments.api.PaymentsClient({ environment: 'PRODUCTION' // 或 'TEST' }); const paymentDataRequest = { apiVersion: 2, apiVersionMinor: 0, merchantInfo: { merchantId: 'YOUR_GOOGLE_MERCHANT_ID', merchantName: 'Your Store Name' }, allowedPaymentMethods: [{ type: 'CARD', parameters: { allowedAuthMethods: ['PAN_ONLY', 'CRYPTOGRAM_3DS'], allowedCardNetworks: ['VISA', 'MASTERCARD', 'AMEX'] }, tokenizationSpecification: { type: 'PAYMENT_GATEWAY', parameters: { 'gateway': 'companyA', 'gatewayMerchantId': 'YOUR_COMPANY_A_MID' } } }], transactionInfo: { totalPrice: '99.99', totalPriceStatus: 'FINAL', currencyCode: 'USD' } }; paymentsClient.loadPaymentData(paymentDataRequest) .then(paymentData => { // 获取加密Token const token = paymentData.paymentMethodData.tokenizationData.token; // 发送至商户服务端 sendToServer({ googlePayToken: token }); }) .catch(err => console.error(err)); ``` #### 2.1.3 服务端解密Payment Token - 客户端返回支付令牌`paymentMethodData`； - 将Token在服务端进行解密，具体请参考：[如何解密付款方式令牌](https://developers.google.com/pay/api/web/guides/resources/payment-data-cryptography?hl=zh-cn#decrypt-token)。 ### 2.2 调用PayerMax进行支付 [创建支付/orderAndPay API](https://docs.payermax.com/api.html?docName=New%20Version&docVer=v1.0&docLang=cn#/paths/aggregate-pay-api-gateway-orderAndPay-delSuffixStart1/post) 接口请求，其中关键字段： - `paymentDetail.paymentMethodType`：`GOOGLEPAY` - `paymentDetail.googlePayDetails`：为解密后的支付信息 接口请求示例： 将`Google Pay Token`解密后的`卡信息`，传递给`data.paymentDetail.googlePayDetails`字段中。 ```json { "version": "1.5", "keyVersion": "1", "requestTime": "2022-02-25T09:23:06.473+00:00", "appId": "6666c8b036a24579974497c2f9800001", "merchantNo": "020213834421284", "data": { "outTradeNo": "Test1645780876511", "subject": "this is subject", "totalAmount": 1, "currency": "AED", "country": "AE", "userId": "userId001", "integrate": "Direct_Payment", "expireTime": "1800", "paymentDetail": { "paymentMethodType": "GOOGLEPAY", "buyerInfo": { "firstName": "James", "lastName": "Smith", "phoneNo": "903124360628", "email": "james@google.com", "clientIp": "124.156.108.193", "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/96.0.4664.110 Safari/537.36" }, "googlePayDetails": { "authMethod": "CRYPTOGRAM_3DS", "cardHolderFullName": "cryptogram googlePayDetails cardHolderFullName", "cardNetwork": "VISA", "expirationMonth": "01", "expirationYear": "2029", "pan": "3604241234569621", "description": "" }, "goodsDetails": [ { "goodsId": "D002", "goodsName": "Key buckle", "quantity": "2", "price": "0.5", "goodsCurrency": "AED", "showUrl": "http://ttt.com", "goodsCategory": "电脑" } ], "shippingInfo": { "firstName": "James", "lastName": "Smith", "phoneNo": "903124360628", "email": "James@google.com", "address1": "GOLGELI SOKAK NO.34, 06700", "city": "GAZIOSMANPASA/ANKAR", "country": "TR", "zipCode": "06700" }, "billingInfo": { "firstName": "James", "lastName": "Smith", "phoneNo": "903124360628", "email": "James@google.com", "address1": "GOLGELI SOKAK NO.34, 06700", "city": "GAZIOSMANPASA/ANKAR", "country": "TR", "zipCode": "06700" }, "riskParams": { "registerName": "lily", "regTime": "2023-07-01 12:08:34", "liveCountry": "VN", "payerAccount": "987654XXX", "payerName": "lily", "taxId": "1234567890" }, "language": "en", "reference": "020213827524152", "terminalType": "WAP", "frontCallbackUrl": "https://xxx.com", "notifyUrl": "https://yyy.com" } } ``` 接口响应示例： ```json { "code": "APPLY_SUCCESS", "msg": " Success.", "data": { "outTradeNo": "a1234934974321", "tradeToken": "T2025051210335071234567", "status": "SUCCESS" } } ``` ::: warning 注意： 1. 如果您向客户提供 Google Pay 作为付款方式，您必须使用官方的 Google Pay 徽标和按钮素材，并遵守[《Google Pay Android 品牌指南》](https://developers.google.com/pay/api/android/guides/brand-guidelines) 和 [《Google Pay 网页品牌指南》](https://developers.google.com/pay/api/web/guides/brand-guidelines)，不得修改 Google Pay 素材的颜色、比例或外观。 2. 您必须遵守 Google 政策：所有商家都必须遵守 [《Google Pay and Wallet API's Acceptable》](https://payments.developers.google.com/terms/aup) ，并接受[《Google Pay API Terms of Service》](https://payments.developers.google.com/terms/sellertos) 中定义的条款。 3. 我们对 Google Pay PAN_ONLY 交易提供 3DS。对于从 Google Pay PAN_ONLY 加密负载 (encrypted payload) 返回的每一笔 PAN_ONLY 凭证 (credential)，请根据指南启动 3DS 验证。 :::