Posted by Dominik Mengelt– Developer Relations Engineer, Funds and Florin Modrea – Product Options Engineer, Google Pay
We’re excited to announce the overall availability [1] of legal responsibility shift for Visa system tokens for Google Pay.
For Mastercard system tokens the legal responsibility already lies with the issuing financial institution, whereas, for Visa, solely eligible system tokens with issuing banks within the European area profit from legal responsibility shift.
What’s legal responsibility shift?
If legal responsibility shift is granted for a transaction, the duty of protecting the losses from fraudulent transactions is shifting from the service provider to the issuing financial institution. With this variation, qualifying Google Pay Visa transactions finished with a tool token will profit from this legal responsibility shift.
How you can know if the legal responsibility was shifted to the issuing financial institution for my transaction?
Eligible Visa transactions will carry an eciIndicator worth of 05. PSPs can entry the eciIndicator worth after decrypting the fee methodology token. Retailers can verify with their PSPs to get a report on legal responsibility shift eligible transactions.
{
"gatewayMerchantId": "some-merchant-id",
"messageExpiration": "1561533871082",
"messageId": "AH2Ejtc8qBlP_MCAV0jJG7Er",
"paymentMethod": "CARD",
"paymentMethodDetails": {
"expirationYear": 2028,
"expirationMonth": 12,
"pan": "4895370012003478",
"authMethod": "CRYPTOGRAM_3DS",
"eciIndicator": "05",
"cryptogram": "AgAAAAAABk4DWZ4C28yUQAAAAAA="
}
}
| A decrypted fee token for a Google Pay Visa transaction with an eciIndicator worth of 05 (legal responsibility shifted) |
Try the next desk for a full checklist of eciIndicator values we return for our Visa and Mastercard system token transactions:
|
eciIndicator worth |
Card Community |
Liable Social gathering |
authMethod |
|
“” (empty) |
Mastercard |
Service provider/Acquirer |
CRYPTOGRAM_3DS |
|
“02” |
Mastercard |
Card issuer |
CRYPTOGRAM_3DS |
|
“06” |
Mastercard |
Service provider/Acquirer |
CRYPTOGRAM_3DS |
|
“05” |
Visa |
Card issuer |
CRYPTOGRAM_3DS |
|
“07” |
Visa |
Service provider/Acquirer |
CRYPTOGRAM_3DS |
|
“” (empty) |
Different networks |
Service provider/Acquirer |
CRYPTOGRAM_3DS |
Every other eciIndicator values for VISA and Mastercard that are not current on this desk will not be returned.
How you can enroll
Retailers could opt-in from throughout the Google Pay & Pockets console beginning this month. Retailers in Europe (already benefiting from legal responsibility shift) don’t must take any actions as they are going to be auto enrolled.
To ensure that your Google Pay transaction to qualify for enabling legal responsibility shift, the next API parameters are required:
|
totalPrice |
Ensure that totalPrice matches with the quantity that you just use to cost the consumer. Transactions with totalPrice=0 is not going to qualify for legal responsibility shift to the issuing financial institution. |
|
totalPriceStatus |
Legitimate values are: FINAL or ESTIMATED Transactions with the totalPriceStatus worth of NOT_CURRENTLY_KNOWN don’t qualify for legal responsibility shift. |
Not all transactions get legal responsibility shift
Ineligible retailers
Within the US, the next MCC codes are excluded from getting legal responsibility shift:
|
4829 |
Cash Switch |
|
5967 |
Direct Advertising – Inbound Teleservices Service provider |
|
6051 |
Non-Monetary Establishments – Overseas Foreign money, Non-Fiat Foreign money (for instance: Cryptocurrency), Cash Orders (Not Cash Switch), Account Funding (not Saved Worth Load), Vacationers Cheques, and Debt Reimbursement |
|
6540 |
Non-Monetary Establishments – Saved Worth Card Buy/Load |
|
7801 |
Authorities Licensed On-Line Casinos (On-Line Playing) (US Area solely) |
|
7802 |
Authorities-Licensed Horse/Canine Racing (US Area solely) |
|
7995 |
Betting, together with Lottery Tickets, On line casino Gaming Chips, Off-Observe Betting, Wagers at Race Tracks and video games of likelihood to win prizes of financial worth |
Ineligible transactions
To ensure that your Google Pay transactions to qualify for legal responsibility shift, be certain to incorporate the above talked about parameters totalPrice and totalPriceStatus. Transactions with totalPrice=0 or a tough coded totalPrice (all the time the identical quantity however the customers get charged a special quantity) is not going to qualify for legal responsibility shift.
Processing transactions
Google Pay API transactions with Visa system tokens are certified for legal responsibility shift at facilitation time if all of the situations are met, however a transaction certified for legal responsibility shift might be downgraded by community throughout transaction authorization processing.
Getting began with Google Pay
Not but utilizing Google Pay? Seek advice from the documentation to begin integrating Google Pay as we speak. Study extra concerning the integration by having a look at our pattern software for Android on GitHub or use one in every of our button elements on your internet integration. If you end up prepared, head over to the Google Pay & Pockets console and submit your integration for manufacturing entry.
Observe @GooglePayDevs on X (previously Twitter) for future updates. In case you have questions, tag @GooglePayDevs and embody #AskGooglePayDevs in your tweets.
[1] For retailers and PSPs utilizing dynamic value updates or different callback mechanisms the Visa system token legal responsibility shift adjustments will probably be rolled out later this 12 months.
