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Google Pay – Enabling legal responsibility shift for eligible Visa system token transactions globally



Posted by Dominik Mengelt– Developer Relations Engineer, Funds and Florin Modrea – Product Options Engineer, Google Pay

We’re excited to announce the final 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 accountability of overlaying the losses from fraudulent transactions is shifting from the service provider to the issuing financial institution. With this alteration, qualifying Google Pay Visa transactions accomplished with a tool token will profit from this legal responsibility shift.

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 cost technique token. Retailers can test 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 cost token for a Google Pay Visa transaction with an eciIndicator worth of 05 (legal responsibility shifted)

Try the next desk for a full listing of eciIndicator values we return for our Visa and Mastercard system token transactions:

 eciIndicator worth

 Card Community

 Liable Get together

 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

Another eciIndicator values for VISA and Mastercard that are not current on this desk will not be returned.

enroll

Retailers might opt-in from inside the Google Pay & Pockets console beginning this month. Retailers in Europe (already benefiting from legal responsibility shift) don’t have to 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

Guarantee that totalPrice matches with the quantity that you just use to cost the consumer. Transactions with totalPrice=0 won’t 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 and marketing – Inbound Teleservices Service provider

6051

Non-Monetary Establishments – Overseas Forex, Non-Fiat Forex (for instance: Cryptocurrency), Cash Orders (Not Cash Switch), Account Funding (not Saved Worth Load), Vacationers Cheques, and Debt Compensation

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-Monitor Betting, Wagers at Race Tracks and video games of probability to win prizes of financial worth

Ineligible transactions

To ensure that your Google Pay transactions to qualify for legal responsibility shift, make 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 unique quantity) won’t 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 circumstances are met, however a transaction certified for legal responsibility shift will be downgraded by community throughout transaction authorization processing.

Getting began with Google Pay

Not but utilizing Google Pay? Seek advice from the documentation to start out integrating Google Pay at this time. Be taught extra concerning the integration by having a look at our pattern software for Android on GitHub or use one in all our button parts in your internet integration. When you find yourself prepared, head over to the Google Pay & Pockets console and submit your integration for manufacturing entry.

Comply with @GooglePayDevs on X (previously Twitter) for future updates. If 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 modifications shall be rolled out later this 12 months.



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