Cryptogram 3DS

Learn how to set up Google Pay™ using the CRYPTOGRAM_3DS process.

This authentication method is associated with cards stored as Android device tokens. Returned payment data includes an EMV® 3-D Secure (EMV 3DS) cryptogram generated on the device

Get started

Before you get started you will need:

  • A direct integration into the API.
  • A Google Developer account.
  • To contact Google via the Business Console so that they can add your app to their system for production use. (This process involves submitting your website to Google for review.)

Set up Google Pay

Step 1: Defining your payment gateway

  1. When providing your payment tokenization method, set the tokenizationSpecification value as PAYMENT_GATEWAY. In addition provide acquired as your gateway and specify the company_id (assigned by that will subsequently be used when submitting your request into the API as the gatewayMerchantId value.
  2. Log into the Hub.
  3. Go to Settings > Payment Methods > Google Pay.
  4. Click + Add Merchant ID and enter your Company_ID value assigned by
"tokenizationSpecification": {  
  "type": "PAYMENT_GATEWAY",  
  "parameters": {  
    "gateway": "acquired",  
    "gatewayMerchantId": "YOUR_ACQUIRED_COMPANY_ID"  



View the Google Developer documentation for more information on this.

Step 2: Set the allowedCardNetworks property

For supported payment type, select card. supports Google Pay payments from Visa, MasterCard & Amex cards, you can define these accepted card networks in the allowedCardNetworks property when initiating your request to the Google Pay API.

const allowedCardNetworks = ["VISA", "MASTERCARD", "AMEX"];



If you want to enable Amex cards there is further configuration needed for a specific Amex MID. Contact [email protected] for more information.

Step 3: Set the allowedCardAuthMethods

If you are not decrypting the Google Pay payload then you will not have visibility of the underlying credential, including whether the authentication method equals PAN_ONLY or CRYPTOGRAM_3DS.

const allowedCardAuthMethods = ["PAN_ONLY", "CRYPTOGRAM_3DS"];

Step 4: Process a Google Pay payment

Now that you have configured Google Pay you can process a payment using our guide here.