GooglePay-纯API模式集成

该文档介绍纯API模式下，使用GooglePay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。

关于纯API集成模式的更多信息，请查看集成模式概览。

1. 交互流程

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。

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。

2.1.1 配置Google Pay商户账户

1. 注册Google Pay Business Console；

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。

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。

2.2 调用PayerMax进行支付

创建支付/orderAndPay API 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GooglePay Token解密后的卡信息，传递给data.paymentDetail.googlePayDetails字段中。

{
  "version": "1.4",
  "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": "",
        "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：

{
  "code": "APPLY_SUCCESS",
  "msg": " Success.",
  "data": {
    "outTradeNo": "a1234934974321",
    "tradeToken": "T2025051210335071234567",
    "status": "SUCCESS"
  }
}