OMNO Hosted Checkout: Google Pay™ Integration

The OMNO hosted checkout/payment page provides an option to integrate a Google Pay button into the payment experience, enhancing convenience and security for customers. This feature is available for payment gateways in your setup that support network token processing.

Enabling Google Pay

Merchants can enable Google Pay directly from the OMNO dashboard:

Navigate to the merchant panel on the OMNO dashboard.
Enable the Google Pay option.

Once enabled, if the selected payment gateway supports network token processing, a Google Pay button will automatically appear on the payment page, alongside other configured payment methods.

Customizable Button Appearance

The appearance of the Google Pay button can be set at the merchant level in the merchant configuration. When merchants enable Google Pay on their profile, additional configuration options for the button will become available. Merchants can select from a variety of size, display text, and color options to match their branding preferences.

To preview and experiment with how each configuration option affects the button’s appearance, merchants can visit Google Pay Customize your button page

For a detailed breakdown of these configuration parameters, please refer to the OMNO API Reference.

3D Secure (3DS) Payment Option

For Google Pay transactions, the need for 3D Secure (3DS) authentication depends on the authentication method. Merchants can choose to accept transactions with or without step-up authentication by configuring the allowedAuthMethods parameter in their setup.

CRYPTOGRAM_3DS: If the Google Pay API response includes an authenticated payload (often from a card added to Google Wallet), no additional step-up is required. In this case, the Google Pay API returns a cryptogram and, in some cases, an eciIndicator. This payload, with its built-in authentication, allows for seamless authorization without further identity verification.
PAN_ONLY: For cards not tokenized or stored through Google Wallet (such as a card previously saved in Chrome Autofill), additional step-up measures like 3D Secure are required. The Google Pay API response will include only the primary account number (PAN), indicating the need for 3DS authentication to proceed.

OMNO does not provide additional 3DS validation for transactions processed with PAN_ONLY. Therefore, when merchants enable PAN_ONLY as an accepted authentication method, they assume responsibility for any associated risks with non-3DS transactions. This setting may increase the exposure to potential fraud, so merchants should carefully evaluate their security needs before enabling PAN_ONLY.

Choosing between PAN_ONLY and CRYPTOGRAM_3DS allows merchants to tailor the security level to the settings supported by the payment gateway.

Token Decryption and Gateway Processing

During Google Pay transactions, OMNO handles the decryption of the network token generated by Google Pay and securely passes it to the selected payment gateway, ensuring the safe and efficient handling of customer payment information.

Terms and Compliance

To enable Google Pay on the OMNO platform, merchants must adhere to:

The Google Pay API Acceptable Use Policy
The Google Pay API Terms of Service

These policies ensure compliance with Google’s security and usage standards.