Google Pay™

Google Pay™ is a digital wallet that lets customers pay using credit and debit cards stored in their Google account or on their Android device. Instead of sharing card details with the merchant, Google Pay generates a secure token that represents the payment information, protecting customer data throughout the transaction.

Yuno supports Google Pay for card payments and PIX payments (Brazil only).

How Google Pay works with Yuno

1. The customer selects Google Pay at checkout.
2. Google Pay returns an encrypted payment token containing the customer’s payment credentials.
3. The token is sent to Yuno (directly or through a provider) for processing.
4. Yuno decrypts and routes the payment to your configured payment processor.

Integration options

Yuno provides three ways to add Google Pay to your checkout. Choose the option that best fits your architecture:

Yuno SDK

Yuno’s SDK handles the complete Google Pay flow, including displaying the Google Pay button, managing the payment sheet, and processing the token. You integrate Yuno’s SDK into your app, and Yuno takes care of the Google Pay interaction.

Workflow: SDK_CHECKOUT

SDK integration guide

Integrate Google Pay using Yuno’s SDK for the fastest setup.

Direct

You integrate directly with the Google Pay API on your frontend, obtain the payment token from Google, and pass it to Yuno’s API. This gives you full control over the Google Pay experience while Yuno handles the backend payment processing.

Workflow: DIRECT

Direct integration guide

Integrate directly with Google Pay and pass the token to Yuno.

Via provider

The Google Pay integration is handled entirely by your payment provider (e.g., Adyen, Cielo). Yuno routes the transaction to the provider, which manages the Google Pay token processing. This is ideal if you are already using a provider’s Google Pay solution.

Provider integration guide

Use your payment provider’s Google Pay integration with Yuno.

Google Pay with PIX

In Brazil, Yuno supports Google Pay as a payment method for PIX transactions. Customers select Google Pay at checkout and complete the payment through PIX, combining the convenience of Google Pay with Brazil’s instant payment system.

Google Pay with PIX

Learn how to accept PIX payments through Google Pay in Brazil.

Supported card networks

Region	Supported networks
Global	Visa, Mastercard, American Express, Discover, JCB
Brazil	Visa, Electron, Mastercard, Maestro, Elo, Elo Debit

Authorization methods

Yuno supports both Google Pay API authorization methods:

• PAN_ONLY: Card credentials stored in the user’s Google account. When used, Yuno automatically handles 3D Secure authentication if enabled.
• CRYPTOGRAM_3DS: Device-based card credentials (from Android devices with NFC) that include built-in cryptographic authentication. No additional 3DS processing is required.

Include both methods in your allowedAuthMethods array for maximum payment success rates.

Requirements

Before integrating Google Pay:

1. Verify Google Pay is available in your operating countries using the Google Pay support page.
2. Review participating processors on Google’s site.
3. Comply with the Google Pay APIs Acceptable Use Policy and Terms of Service.

Capabilities and limitations

By integration model

Capability	Yuno SDK	Direct	Via provider
Card payments via Google Pay	Yes	Yes	Yes (if provider supports)
PIX via Google Pay (Brazil)	Yes (if configured)	Yes (if configured)	Depends on provider
Control over Google Pay UI	Medium (SDK options)	Full (merchant-managed)	Low (provider-controlled)
Responsibility for Google compliance	Yuno	Merchant	Provider
Frontend implementation effort	Minimal	Significant	Minimal

Cards vs PIX behavior

Behavior	Google Pay + Cards	Google Pay + PIX
Processing	Usually synchronous	Asynchronous
Statuses	SUCCEEDED / DECLINED	PENDING / SUCCEEDED / EXPIRED
Settlement	Depends on acquirer	Instant (PIX network)
Requires QR code display	No	Possibly, depending on flow
Recurring payments	Supported via vaulted tokens	Not supported
Currency	Multiple	BRL only
Availability	Global	Brazil only

FAQ

Do I have to integrate with Google Pay directly?

No. You can use Yuno’s SDK (where Yuno handles the Google Pay interaction) or a provider’s integration (where the provider handles it). Direct integration is only necessary if you want full control over the Google Pay setup, UX, and compliance.

Is Google Pay a card payment or a wallet payment?

Google Pay is a wallet that typically carries cards. In Yuno, it is modeled as a wallet payment method (payment_method.type = GOOGLE_PAY). For PIX payments through Google Pay in Brazil, use payment_method.type = GOOGLE_PAY_PIX instead. Yuno handles routing to the appropriate processor in both cases.

How do I enable Google Pay with PIX?

1. Confirm with your Yuno account manager that Google Pay PIX is available for your organization. It is currently supported through Adyen, Santander, and Itau.
2. Set up a provider connection in your Yuno dashboard.
3. Use payment_method.type = GOOGLE_PAY_PIX in your payment requests with country BR and currency BRL. See Google Pay with PIX for the full integration guide.

What happens if a customer closes the Google Pay or PIX screen without completing the payment?

The frontend/SDK reports that the user left the flow, but the payment remains in PENDING status on the backend. The PIX reference is still valid and the customer can complete the transfer from their bank app. The payment only expires when the PIX deadline is reached. See Handling user cancellation for implementation guidance.

Additional resources

• Google Pay Web documentation | Integration checklist
• Google Pay Android documentation | Integration checklist
• Google Pay Web brand guidelines | Android brand guidelines