Google Pay

Google Pay is Google's digital wallet and payment surface, exposed to developers as a family of distinct APIs rather than one endpoint. The Google Pay API for Web and Android is a client-side payment sheet that returns a signed, ECIES-encrypted payment token for a merchant's gateway to decrypt; the Google Wallet API is a REST service on walletobjects.googleapis.com for issuing loyalty cards, event tickets, boarding passes, transit tickets, gift cards and offers; Google Standard Payments carries the integrator APIs for issuers and PSPs; and the Google Pay & Wallet Developer MCP server gives AI coding agents live access to merchant profiles, integration status and the official documentation.

Google Pay publishes 9 APIs on the APIs.io network. Tagged areas include Agentic Commerce, Checkout, Contactless Payments, Digital Wallet, and Merchants.

Google Pay’s developer surface includes developer portal, getting-started guide, developer console, support, engineering blog, changelog, FAQ, and 34 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.6/100 developing ▬ flat Agent 21/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessFreemium

9 APIs 1 MCP Servers

Agentic Commerce Checkout Contactless Payments Digital Wallet Merchants Mobile Payments Payments Tokenization

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 51.6/100 · developing

Contract Quality 0.0 / 21

Developer Ergonomics 12.4 / 17

Access Clarity 10.7 / 17

Operational Transparency 7.3 / 11

Contract Governance 1.9 / 10

Discoverability 7.6 / 9

Regulatory Posture 9.6 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 5 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/google-pay: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Google Pay API

Enables integration of the Google Pay payment method into web applications, allowing merchants to accept payments from cards saved to Google Accounts. The API provides JavaScrip...

Google Pay API for Android

Enables integration of Google Pay into Android applications, allowing users to pay with cards saved to their Google Account. The API provides methods to check payment readiness ...

Google Wallet API

APIs for creating and managing digital passes for Google Wallet, including loyalty cards, event tickets, boarding passes, transit tickets, gift cards, offers, and generic passes...

Google Pay Facilitated Transaction Event API

Provides services hosted by Google for processing facilitated payment events as part of Google Standard Payments. Payment integrators use this API to report and manage transacti...

Google Pay Virtual Cards API

Enables payment integrators to enroll cards, retrieve virtual card numbers, manage transactions, and handle authentication challenges for virtual card payments. Used by issuers ...

Google Pay Push Provisioning API

Allows card issuers to provision payment cards directly into Google Pay and Google Wallet from their own applications. Issuers can set default payment tokens, manage token lifec...

Google Pay Payment Card Recognition API

Enables Android applications to scan credit and debit cards using the device camera to extract card number and expiration date through on-device optical character recognition. P...

Google Pay India Merchant SDK

A toolkit for developers in India to integrate their Android, iOS, and web applications with Google Pay for accepting UPI and card-based payments. Supports merchant onboarding, ...

Google Universal Commerce Protocol

A standard for securely and efficiently exchanging commerce data between merchant and platform systems to enable checkout experiences directly on Google surfaces including Searc...

Scroll for all 9

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Google Pay & Wallet Developer MCP server

Google's first-party remote MCP server for Google Pay and Google Wallet developers. It exposes documentation search over the official Google Pay and Google Wallet docs plus live...

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Google Pay Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Google Pay Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Google Pay Finops

FINOPS

JSON Schema 1

Standalone JSON Schema definitions for this provider's data models.

Google Pay Payment Handler Configuration

5 properties

JSON SCHEMA

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Google Pay Authentication

5 schemes

SECURITY

Google Pay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Google Pay Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Google Pay Scopes

3 scopes

SCOPES

Resources

Get Started 5

Portal, sign-up, and the first successful call

Portal

GettingStarted

Console

SignUp

Sandbox

Documentation 4

Reference material describing how the API behaves

Brand Guidelines

Documentation

APIReference

JSONSchema

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

MCPServer

AgentSkill

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Lifecycle

Conventions

Conformance

Components

Build 4

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

GitHubOrganization

GitHubOrganization

ToolCrosswalk

ToolCrosswalk

Packages

Packages

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

SecurityTxt

Authentication

OAuthScopes

Operate 6

Status, limits, changes, and where to get help

StatusPage

Support

ChangeLog

FAQ

ChangeLog

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: google-pay
name: Google Pay
description: Google Pay is Google's digital wallet and payment surface, exposed to developers as a family of distinct APIs
  rather than one endpoint. The Google Pay API for Web and Android is a client-side payment sheet that returns a signed, ECIES-encrypted
  payment token for a merchant's gateway to decrypt; the Google Wallet API is a REST service on walletobjects.googleapis.com
  for issuing loyalty cards, event tickets, boarding passes, transit tickets, gift cards and offers; Google Standard Payments
  carries the integrator APIs for issuers and PSPs; and the Google Pay & Wallet Developer MCP server gives AI coding agents
  live access to merchant profiles, integration status and the official documentation.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
url: https://developers.google.com/pay/api
created: '2024-01-01'
modified: '2026-09-12'
specificationVersion: '0.23'
type: Index
tags:
- Agentic Commerce
- Checkout
- Contactless Payments
- Digital Wallet
- Merchants
- Mobile Payments
- Payments
- Tokenization
apis:
- name: Google Pay API
  description: Enables integration of the Google Pay payment method into web applications, allowing merchants to accept payments
    from cards saved to Google Accounts. The API provides JavaScript client methods for implementing a seamless checkout experience
    on websites.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay
  baseURL: https://pay.google.com/gp/v/
  tags:
  - Checkout
  - Payments
  - Web
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/api/web
  - type: APIReference
    url: https://developers.google.com/pay/api/web/reference/request-objects
  - type: Authentication
    url: https://developers.google.com/pay/api/web/guides/setup
  - type: ErrorCodes
    url: https://developers.google.com/pay/api/web/reference/error-objects
  - type: Sandbox
    url: https://developers.google.com/pay/api/web/guides/test-and-deploy/integration-checklist
  - type: Reference
    url: https://developers.google.com/pay/api/web/reference/client
  - type: GettingStarted
    url: https://developers.google.com/pay/api/web/guides/tutorial
  - type: ChangeLog
    url: https://developers.google.com/pay/api/web/support/release-notes
  contact:
  - type: Support
    url: https://developers.google.com/pay/api/web/support/troubleshooting
  - type: Twitter
    url: https://twitter.com/googlepay
- name: Google Pay API for Android
  description: Enables integration of Google Pay into Android applications, allowing users to pay with cards saved to their
    Google Account. The API provides methods to check payment readiness and load payment data for seamless in-app checkout
    experiences.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay/api/android/overview
  baseURL: https://pay.google.com/gp/v/
  tags:
  - Android
  - Checkout
  - Mobile
  - Payments
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/api/android/overview
  - type: Reference
    url: https://developers.google.com/pay/api/android/reference/client
  - type: GettingStarted
    url: https://developers.google.com/pay/api/android/guides/tutorial
  - type: Authentication
    url: https://developers.google.com/pay/api/android/guides/setup
  - type: ChangeLog
    url: https://developers.google.com/pay/api/android/support/release-notes
  - type: Sandbox
    url: https://developers.google.com/pay/api/android/guides/test-and-deploy/integration-checklist
- name: Google Wallet API
  description: APIs for creating and managing digital passes for Google Wallet, including loyalty cards, event tickets, boarding
    passes, transit tickets, gift cards, offers, and generic passes. Issuers can define pass classes and objects via REST
    API or the Google Wallet Business Console.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/wallet
  baseURL: https://walletobjects.googleapis.com/
  tags:
  - Loyalty
  - Passes
  - Tickets
  - Wallets
  tags_raw:
  - Loyalty
  - Passes
  - Tickets
  - Wallet
  properties:
  - type: Documentation
    url: https://developers.google.com/wallet/generic/rest
  - type: DiscoveryDocument
    url: discovery/google-pay-walletobjects-v1-discovery.json
  - type: Authentication
    url: https://developers.google.com/wallet/generic/web/prerequisites
  - type: Reference
    url: https://developers.google.com/wallet/reference/rest
  - type: GettingStarted
    url: https://developers.google.com/wallet/generic/getting-started/auth/rest
  - type: ChangeLog
    url: https://developers.google.com/wallet/docs/release-notes
  - type: Client Libraries
    url: https://developers.google.com/wallet/generic/resources/libraries
- name: Google Pay Facilitated Transaction Event API
  description: Provides services hosted by Google for processing facilitated payment events as part of Google Standard Payments.
    Payment integrators use this API to report and manage transaction events within the Google payments ecosystem.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/standard-payments
  baseURL: https://pay.google.com/
  tags:
  - Payment Integrators
  - Payments
  - Transaction
  tags_raw:
  - Payment Integrators
  - Payments
  - Transactions
  properties:
  - type: Documentation
    url: https://developers.google.com/standard-payments
- name: Google Pay Virtual Cards API
  description: Enables payment integrators to enroll cards, retrieve virtual card numbers, manage transactions, and handle
    authentication challenges for virtual card payments. Used by issuers and payment service providers to support virtual
    card number generation and lifecycle management.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay/virtual-cards-v1/payment-integrator-virtual-cards-api
  baseURL: https://pay.google.com/
  tags:
  - Card Issuance
  - Payments
  - Virtual Cards
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/virtual-cards-v1/payment-integrator-virtual-cards-api
  - type: Reference
    url: https://developers.google.com/pay/virtual-cards-v1/google-virtual-cards-api
- name: Google Pay Push Provisioning API
  description: Allows card issuers to provision payment cards directly into Google Pay and Google Wallet from their own applications.
    Issuers can set default payment tokens, manage token lifecycle, and enable push provisioning flows for their cardholders.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay/issuers/apis/push-provisioning/server
  baseURL: https://pay.google.com/
  tags:
  - Card Provisioning
  - Issuers
  - Payments
  - Tokenization
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/issuers/apis/push-provisioning/server
  - type: GettingStarted
    url: https://developers.google.com/pay/issuers/overview/get-started
- name: Google Pay Payment Card Recognition API
  description: Enables Android applications to scan credit and debit cards using the device camera to extract card number
    and expiration date through on-device optical character recognition. Processing occurs entirely on-device via Google Play
    Services without requiring camera permissions in the app.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay/api/android/overview
  baseURL: https://pay.google.com/
  tags:
  - Android
  - Card Recognition
  - OCR
  - Payments
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/api/android/overview
- name: Google Pay India Merchant SDK
  description: A toolkit for developers in India to integrate their Android, iOS, and web applications with Google Pay for
    accepting UPI and card-based payments. Supports merchant onboarding, payment initiation, and transaction status verification
    through the Google Pay for Business program.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/pay/india/api
  baseURL: https://pay.google.com/
  tags:
  - India
  - Merchant SDK
  - Payments
  - UPI
  properties:
  - type: Documentation
    url: https://developers.google.com/pay/india/api/merchant-sdk/guides/overview
  - type: Reference
    url: https://developers.google.com/pay/india/api/merchant-sdk/reference/api
  - type: GettingStarted
    url: https://developers.google.com/pay/india/api/merchant-sdk/guides/integration
  - type: Authentication
    url: https://developers.google.com/pay/india/api/merchant-sdk/guides/setup
- name: Google Universal Commerce Protocol
  description: A standard for securely and efficiently exchanging commerce data between merchant and platform systems to enable
    checkout experiences directly on Google surfaces including Search and Gemini. Merchants implement REST endpoints for session
    creation, updates, and completion.
  image: https://developers.google.com/pay/api/images/brand-guidelines/google-pay-mark.png
  humanURL: https://developers.google.com/merchant/ucp
  baseURL: https://pay.google.com/
  tags:
  - Agentic Commerce
  - Checkout
  - Commerce
  - Merchants
  properties:
  - type: Documentation
    url: https://developers.google.com/merchant/ucp/guides
  - type: GettingStarted
    url: https://developers.google.com/pay/api/universal-commerce-protocol/overview
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Website
  url: https://www.google.com/
- type: VulnerabilityDisclosure
  url: security/google-pay-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/google-pay-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/showcase/google-pay
- type: Portal
  url: https://developers.google.com/pay
- type: Brand Guidelines
  url: https://developers.google.com/pay/api/web/guides/brand-guidelines
- type: TermsOfService
  url: https://payments.developers.google.com/terms/sellertos
- type: PrivacyPolicy
  url: https://policies.google.com/privacy
- type: GettingStarted
  url: https://developers.google.com/pay/api/web/guides/tutorial
- type: SDKs
  url: packages/google-pay-packages.yml
- type: Console
  url: https://pay.google.com/business/console/
- type: StatusPage
  url: https://developers.google.com/pay/api/status
- type: Support
  url: https://developers.google.com/pay/api/web/support/troubleshooting
- type: Blog
  url: https://developers.googleblog.com/
- type: ChangeLog
  url: https://developers.google.com/pay/api/web/support/release-notes
- type: GitHubOrganization
  url: https://github.com/google-pay
- type: FAQ
  url: https://developers.google.com/pay/api/web/support/faq
- type: Documentation
  url: https://developers.google.com/pay/api/web
- type: APIReference
  url: https://developers.google.com/pay/api/web/reference/client
- type: SignUp
  url: https://pay.google.com/business/console/
- type: Security
  url: https://g.co/vrp
- type: SecurityTxt
  url: well-known/google-pay-security.txt
- type: WellKnown
  url: well-known/google-pay-well-known.yml
- type: MCPServer
  url: mcp/google-pay-mcp.yml
- type: ToolCrosswalk
  url: mcp/google-pay-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/google-pay-llms.txt
- type: Packages
  url: packages/google-pay-packages.yml
- type: Authentication
  url: authentication/google-pay-authentication.yml
- type: OAuthScopes
  url: scopes/google-pay-scopes.yml
- type: ErrorCatalog
  url: errors/google-pay-problem-types.yml
- type: Lifecycle
  url: lifecycle/google-pay-lifecycle.yml
- type: ChangeLog
  url: changelog/google-pay-changelog.yml
- type: Conventions
  url: conventions/google-pay-conventions.yml
- type: Conformance
  url: conformance/google-pay-conformance.yml
- type: Sandbox
  url: sandbox/google-pay-sandbox.yml
- type: Components
  url: components/google-pay-components.yml
- type: JSONSchema
  url: json-schema/google-pay-ucp-payment-handler-config.json
- type: RateLimits
  url: rate-limits/google-pay-rate-limits.yml
- type: Plans
  url: plans/google-pay-plans-pricing.yml
- type: FinOps
  url: finops/google-pay-finops.yml
x-enrichment:
  date: '2026-09-12'
  status: enriched
  artifacts_added: 25
  pass: local-v3
x-parent: google
x-relationship: product

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