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- Hello, my name is Jose, and I’m a Developer Relations Engineer at Google Pay.
- And I'm Lucian and I work as an engineer supporting partner
with Google Pay integration. Thanks for tuning in.
- Although our roles differ, we both get to see Google Play integrations
from many different businesses and developers,
ranging from large teams with a few hundred engineers
to the single developer in the project.
In today’s session, we’d like to tell you about some of the benefits of
using Google Pay in your Android applications and share proven integration patterns
which have been adopted and tested with several partners.
We’d also like to introduce you to a range of product updates and improvements
to our developer tools which will help you integrate more easily.
But first, let's talk about the options for collecting payments that are available
to developers distributing their other applications on Google Pay.
There are two primary ways that you can use to accept payments:
Google Play’s billing system and Google Pay. Google Play’s billing system is required when
you’re selling digital items or services within an app on Google Play,
while Google Pay can be used when you're sending physical items
or services that will be used or delivered outside of your app
such as groceries, retail merchandise, or food delivery.
Accepting Google Pay speeds up your checkout process since users don’t need to
type in their payment details when they first download your application
or every time they pay.
Hundreds of millions of cards have already been saved
to Google accounts during their phone setup process
or from previous transactions with Google
including Google Play, Chrome, and other apps and websites
that have already integrated with the Google Pay APIs.
Once they use a safe payment method,
they can easily use that same payment method
for all their feature purchases with just a tap.
The authorization screen is native to the Android platform.
That means the user never leaves your application to verify their payment details.
In addition to convenience, this also increases security.
The partnership between Google Pay and the support
of PSPs, allows us to securely handle
your customer’s payment information, using techniques
such as encryption and tokenization.
This way, payment details can be securely sent to you
to create the order with your payment processor of choice.
Make sure to continue running your existing risk checks
through your payment processor or existing in-house infrastructure
when the order is created. - If you are collecting payments in Europe,
Google provides a seamless MSEA-compliant checkout process
that meets the dynamic linking requirements for Visa, MasterCard, and Amex device tokens
also known as Deepak.
This eliminates the need to challenge or step up the user during the transaction,
reduces the friction and improve the conversion rates.
Very soon, we will be launching device binding
for Android devices, a seamless checkout experience
where a user can strongly bind their payment credentials
to their devices and go through one-time verification with their bank.
To assist with European ICA requirements
device bond credentials will require device on lock
like a device pin or biometrics
for future transactions made by the user on their device.
This will eliminate the need for frequently stepping up or challenging the user.
Take a look at our quick guide in the description below to adjust your payment
configuration for transactions subject to strong customer authentication requirements
in Europe. Finally, integrating with Google Pay payments API
also lets you enable a re-engagement surface
inside Google Pay app.
In 2020, Google launched a new Google Pay app in the US
for Android and iOS and coming soon in other countries.
A transaction made with Google Pay inside your app
automatically creates a branded experience for your company inside the Google Pay app
where the users can view transaction history, discover offers, sign up for loyalty, & more.
Your brand becomes searchable for millions of active Google Pay users,
providing you with new re-engagement opportunities.
In summary, Google Pay is a convenient and secure form
of payment for your users that is optimized for Android.
And now with the new Google Pay app it also helps you build relationship
and engage your customers at scale. - Now that you have the basics,
we would like to share with you some proven integration patterns to help you get the most
out of Google Pay in your Android applications.
In this section, we’ll discuss UI and UX patterns
in the areas of payment method selection, guest checkout, and simplified payment flows
that partners and other businesses are successfully using to drive conversions,
user engagement, user acquisition, increased order value, and other related metrics.
We'll also share two additional tips
to further optimize your payment flows and keep them secure.
- Let's start talking about setting Google Pay
as a default payment option for ready-to-pay users
using the GILT app as an example.
Following this pattern allows your users to move smoothly
throughout the checkout process
by putting them two taps away from completing a transaction.
This provides a more seamless payment experience for your users,
hence reduces the risk of cart abandonment.
Partners who implemented this pattern
report a significant uplift in their success metrics.
For GILT, that is 34% of the total Google Pay checkouts
were net-new Gilt member conversions,
and 57% of the total Google Pay checkouts were reactivations of lapsed Gilt members.
-The next pattern we’d like to tell you about
is providing the option to purchase one item directly
from the detail page of a given product,
what we typically refer to as express checkout.
Especially when you know your customers are likely to checkout with a single item,
this provides them with a shorter path to complete the purchase,
skipping the add to cart step. You can see here how the GILT group
has integrated this feature into their checkout process.
The Google Pay button on the product page allows users
to move directly to checkout with Google Pay set
as a default payment option.
This way, users can complete a purchase with just a few clicks.
-Let’s have a look at the guest checkout pattern based on the Panera example.
Panera is an American chain store of bakery, cafe, restaurants.
The guest checkout flow provides another way
of reducing barriers for your users to complete the purchase
and increase conversions.
Also, users who transact in your application are more likely to create an account
and engage again in the future.
To offer a guest checkout flow for unregistered users
simply add Google Pay as an option to continue with the payment process alongside
your account creation element.
Google Pay, in this case, similar to the previous examples,
provides for a smoother, faster checkout process for users
who are ready to pay even before they create an account.
Once they complete the first transaction
you can prompt the user to create an account.
After integrating Google Pay, the Panera app experienced an
increase of 7% in order value and 30% in share of wallet.
- The SpotHero app is another example of how
the guest checkout pattern can drive successful payment
and add simplicity and fluidness to your payment flows.
SpotHero is a digital parking service that allows users
to book and pay for parking spots at discounted prices.
After integrating Google Pay,
SpotHero increased its sales funnel by 20 times.
Of the total amount of guest checkouts registered,
87% of them were completed using Google Pay.
- Finally, we would like to show you some of the more
innovative ways of how partners are using the Google Pay APIs
to integrate payments directly from a notification.
Sometimes payment requests are issued as a result
of events that users expect like an abandoned cart, a donation, or credit
that is about to run out on a prepaid card just to mention a few.
These transactions are different from others in the sense that
they are typically simple purchases that users are familiar with,
and thus, they are ready to perform a payment quickly.
Allowing your users to pay directly from a notification
reduces the friction to pay
and, as a result, increases conversion in your application.
MTS is the largest mobile network operator in Russia
serving more than 80 million users in Russia, Armenia, and Belarus.
MTS adopted the pattern to allow their customers
to top up their accounts directly from a notification
helping them increase conversion by 80%.
To help you adopt this pattern quicker,
we have added it to our sample open source application.
If you want to learn more about this and other patterns discussed here today,
head over to our developer documentation on the /pay-integration-patterns link.
- Now we would like to share two additional tips
to keep your payment flow secure and further
optimize them by supporting additional paths
to collect payment information, to complete a purchase.
Use Autofill on Android if you’re collecting payment information through forms.
With Autofill, customers can reuse existing payment information state
in their accounts which saves time and effort while completing checkout forms.
Getting started with Autofill is easy.
All you have to do is add hints to your input elements
to help auto-fill choose the most appropriate information for each of them.
You can use hints for names, addresses, phone numbers and credit card numbers
with expiration date and security number. To learn more about how to prepare
your checkout forms to benefit from Autofill, head over to /android fill optimized link
in the description below.
Autofill is a great stepping to make it easier to pay
in your applications with minimal effort.
Note that integrating the Google Pay API and Autofill
are not mutually exclusive to the country.
They form a great tandem together.
Where Autofill helps you reuse your existing forms
by populating them with much impairment information
already saved on your customer's Google accounts
and the Google Pay API takes your checkout experience
to the next level with a new and simplified way of making payments.
-There’s one more tip that we’d like to share which can help you prevent security risks
leading to unpleasant situations.
As much as the investment potential insecurity is virtually infinite,
there are some fundamental practices that take very
little effort and account for a great deal of protection.
The bottom line is to treat any information that exists
in the clear within your application as vulnerable.
As such, here are some recommendations to look out for.
Use SSL for all the connections between your applications
and backend services over the public internet.
Do not collect or store payment data or any other sensitive information in the clear
within your application.
All the prices can be calculated on the client to show it
in your UI and keep the user informed.
However, payments should be made with calculations applied
in your backend services.
- We've also been working harder
to make it easier for you to add Google Pay to your Android applications,
creating tools, documentation or libraries that better adapt to your needs
and use cases while collecting payments. For the last part of this session,
we’d like to tell you more about three of these improvements
and how they can be helpful to you.
Last year, we launched Google Pay’s business console,
a tool help you streamline your Google Pay integrations into your apps and websites.
Since then, we have seen thousands of integrations submitted
and approved through it with substantial gains in simplicity
and a proven reduction in the time to integrate.
If you are ready to add Google Pay to your website or mobile application,
head over to the console and follow the steps to get started
and submit your integration for approval.
- Testing your integrations before pushing them live
is key to ensure a reliable checkout experience
for your customers and the robust payment stack for your business.
The ability to use test cards to try out your integration
has been one of the top requests for the Google Pay APIs.
Today, we'd like to show you a suite of sample credit cards
and addresses that you can use to test your integration
before requesting production access without using personal or real card information.
By flipping a switch, you'll be able to use regular
and tokenized cards from multiple networks
and the list of shipping addresses in test mode.
- Now let’s talk about tools and libraries. This is another area where we have heard
your consistent feedback about the technology stack
that you’re using to build your applications. We’d like to provide you with the right set
of tools to help you integrate Google Pay in the most familiar and convenient way for you
and your team. If you’re using Flutter to build your applications or planning to do so
you’ll be happy to hear that today, we are sharing a Flutter plugin for payments
with you and the community as an open source project.
The plugin simplifies adding payments to your Flutter applications,
both on the Android and iOS ends. You can start using it today.
Look for the pay package impact of depth.
We’d also love to hear your thoughts and future requests,
and we’ll be waiting for your contributions in GitHub.
- To summarize, Google Pay make it easier for your customers to check out on your Android
app, even if they haven’t created an account yet.
When customers use Google Pay in your app,
their payments credentials are encrypted before they’re shared with you.
This keeps their sensitive information safe and ensure it's never exposed.
Today, you have also seen successful patterns at different levels in the checkout process
that other businesses integrating Google Pay are using to improve performance on key
metrics while offering a delightful checkout experience to their customers.
We are committed to improve and evolve the integration experience with tooling libraries
documentation and other resources to help you add Google Pay to your application
in a more convenient and familiar way.
Take a look at the links in the slide and the description below to learn more about the
tips and patterns we have discussed today as well as how to add Google Pay to your app.
When you’re ready to integrate, you can create a business profile
and submit your integration through Google Pay's business console.
- Now it’s your turn to make your checkout process
in Android more effective for you
and convenient and secure for your customers.
Make your way over to the sandbox by visiting the /pay-io-2021 link to learn more.
We'll see you soon.
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