Google Pay and Stripe

We need stripe account or google account to use google pay

To use **Google Pay** in your application, whether through QR code or Tap-to-Pay, here's what you need:

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### ✅ **1. Google Pay API Integration Requirements**

You must meet **both** of the following:

#### A. **Google Merchant Account (via Google Pay & Wallet Console)**
– This is required to **process payments via Google Pay**.
– Sign up at: [https://pay.google.com/business/console](https://pay.google.com/business/console)

#### B. **Payment Processor (like Stripe)**
– Google Pay **doesn't process payments itself**. It acts as a **tokenized pass-through** to a payment gateway like:
– **Stripe**
– **Adyen**
– **Square**
– **Your own payment processor** (must support Google Pay)

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### 🔁 **Use Cases**

#### ➤ **QR Code Payments**
– You don’t necessarily need Stripe, but you **do need a backend to generate a Google Pay-compatible payment link** or token.
– Users scan a QR code → it opens a payment page powered by Stripe or similar.

#### ➤ **Tap to Pay (NFC)**
– Requires native Android functionality with **Google Pay API**.
– Requires:
– Google Pay Merchant Account
– A payment gateway (like Stripe) to handle the actual payment

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### 📝 Summary:

| What You Want | Google Pay Merchant | Stripe or Payment Processor |
|———————————-|———————-|—————————–|
| Tap-to-Pay / Tokenized Payments | ✅ Required | ✅ Required |
| QR Code to Payment Page | ✅ Optional (frontend only) | ✅ Required to process payment |
| Save to Wallet (Pass only) | ❌ Not needed | ❌ Not needed |

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### ⚠️ Important:
– **Google Account** is needed to create a **Google Pay Merchant profile**.
– **Stripe is required** if you want to **accept actual payments** using Google Pay.

Would you like me to show the integration setup with Stripe + Google Pay inside a Cordova app?

Stripe is required if you want to accept actual payments using Google Pay.

✅ **Yes, that's correct.**

If you want to **accept real payments** using **Google Pay**, then:

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### 🔐 **Stripe (or another payment gateway) is required**

Why?

Because **Google Pay does not handle the money** — it just provides a secure token representing the customer's card. That token must be **processed by a payment processor** like:

– **Stripe** ✅ (most common)
– Adyen
– Square
– Braintree
– Razorpay (for India)

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### 💡 How it works (behind the scenes):

1. **User selects Google Pay** and authenticates.
2. Google Pay sends back a **secure payment token**.
3. Your backend (e.g., CodeIgniter or Node.js) passes that token to **Stripe’s API**.
4. Stripe **charges the card** and returns a success/failure response.

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### 🧩 Summary:

| Component | Role |
|———————-|———————————–|
| Google Pay | Provides card token securely |
| Stripe (or similar) | Processes the payment |
| Your App / Backend | Sends token to Stripe, updates DB |

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Would you like a working example with:
– Apache Cordova frontend
– Stripe + Google Pay integration
– PHP backend (CodeIgniter)

Let me know and I’ll provide full code.