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I saw that Google released a new Google Pay API for the web. However, there is also a Payment Request API fo the web. Is Google Pay just a rebrand of Payment Request API? In what cases would you use one API over the other?
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An Android or web application that integrates the following APIs: Google Pay API - to request and retrieve customer payment information. CardSecure API - to decrypt and tokenize Google Pay data. CardPointe Gateway API - to process payments using tokens.
The Payment Request API is a cross-browser payment API under development by the W3C. You can use the Payment Request API to accept various payment methods in exchange for physical or digital goods on your website. Payment methods include payment solutions the platform provides, such as Apple Pay.
Google Pay charges no fees. Open the Google Pay app . On the home screen, tap Pay or request. Tap Create multiple requests to send a request to multiple people. Each person receives a unique request.
The API governs how a user agent (browser) can communicate with an implementation (website) to exchange payment credentials. Payment Request API is a lower layer API for Google Pay API and can launch payment apps such as Google Pay. If you are a merchant, implement Google Pay API with its JavaScript library rather than the Payment Request API.
The Google Pay API returns payment methods in a signed and encrypted payload. The returned payment methods consist of either PAN or tokenized cards made of device PAN (DPAN) and cryptograms. Tokenized card payloads are processed without additional step-up or challenge.
Eventually, Android Pay merged with Google Wallet and became Google Pay. The newly redone Google Pay became the go-to for contactless payments as well as sending money to friends and family. While this app is still usable, the ability to send money to friends and family has moved to a newer and functionally superior app. What is GPay?
Yes, Google Pay API supports onboarding ecommerce platforms. Payment processor, gateway, or ecommerce platform partners that host a checkout page on behalf of their merchants can use Google Pay’s hosted checkout feature. Which payment providers support Google Pay?
The "Payment Request API" is a W3C standard and a part of "Web Payments" effort. This means the API is expected to be implemented by multiple browsers and it's already landed in Chrome, Edge and Samsung Browser. And it's also expected to be available on Firefox, Safari and so on. Payment Request API is never a Google's property and it's an open standard.
https://www.w3.org/Payments/WG/
The Payment Request API is said to allow users to pick their saved credit card information with just one tap. But it's just a part of larger ecosystem. It can integrate with any third party payment apps and allow users to make payment through those apps via the Payment Request API.
Consider Google Pay one of such payment apps. Other good examples are upcoming Apple Pay (when Safari implements the Payment Request API) or Samsung Pay. Alipay also implemented one and have done a talk about it at Google I/O 2017.
https://www.youtube.com/watch?v=hU89pPBmhds
What makes it look complicated about Google Pay for those who knew about the Payment Request API is that it conceals the Payment Request API behind its library. By initiating Payment Request with just a single payment method without requesting shipping information, you can bypass Payment Request user interface and directly launch the payment app (in this case Google Pay).
https://developers.google.com/payments/web/tutorial
This article should be a good start:
https://medium.com/dev-channel/addressing-common-misconceptions-about-the-payment-request-api-4d0db51dae75
Hope this helps.
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