Google Pay (GPay) — Protocol Analysis & Compliance API Integration

OpenFinance · OpenBanking · App Protocol Analysis · Wallet / Tap-to-Pay Integration
Starting at $300 · Pay on acceptance
OpenData · OpenFinance · Protocol Analysis

Securely integrate Google Pay's payment capabilities, transactions, and reconciliation into your backend

We provide Google Pay (GPay / Google Wallet) interface implementations based on compliant authorization and open data principles: transaction logs, balance synchronization, Tap-to-Pay (Wallet) events, refunds/disputes workflows, and payer with card network/provider integrations. Supports Android and iOS scenarios and merchant endpoints.

  • Balance and transaction synchronization (JSON / CSV / Excel output)
  • Tap-to-Pay / Wallet migration and card tokenization adaptation (based on merchant and platform authorization)
  • Real-time webhooks / push: payment confirmations, refunds, dispute notifications
  • Dispute and error reporting interfaces aligned with Google Payment Corp. customer service processes

Deliverables (Examples)

Standard Deliverables

  • Protocol and authorization analysis report (OAuth/OpenID Connect, token lifecycle, webhook subscriptions)
  • Runnable API source code (Node.js / Python / Java options) and Docker deployment template
  • OpenAPI (Swagger) specifications with sample requests/responses
  • Automated test scripts and interface mock / test cases
  • Compliance guidance (privacy, data retention, PCI-DSS, local regulatory notes)

API Example (pseudo-code / API)

POST /api/v1/gpay/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'user_id': 'user-123',
  'from_date': '2025-10-01',
  'to_date': '2025-10-28',
  'format': 'json'  // or 'csv','xlsx'
}

Response: {
  'status': 'OK',
  'transactions': [
    { 'id':'txn_001','time':'2025-10-10T12:30:00Z','amount':-25.50,'merchant':'CoffeeShop','method':'GPay','status':'Completed' }
  ],
  'generated_at':'2025-10-29T04:20:00Z'
}

Advanced Module

Optional: NFC event parsing, virtual card token synchronization, Tap-to-Pay server callbacks, dispute automation and adapters for 3rd-party clearing/gateways.

Core Advantages

  • Compliance-first: workflows based on authorized / public APIs with privacy-friendly data minimization
  • Cross-platform capability: supports Android + iOS + backend batch processing
  • Runnable source code: deployable, producer-ready for further development
  • Financial industry expertise: payment gateways, wallets, and dispute-handling strategies

Compliance & Risk Advisory

We operate only within the scope of client authorization or publicly accessible interfaces. For transactions or sensitive data, we provide compliance guidance (KYC, AML, data retention, PCI-DSS) and can assist with audit documentation and log strategies.

API Onboarding Guide (Quick Start)

  1. Provide target App name and use case (e.g., balance sync, QR payments, statement export).
  2. We perform protocol analysis and authorization flow assessment (2–6 business days).
  3. Develop OpenAPI and implement a runnable API layer (3–12 business days, depending on complexity).
  4. Deliver OpenAPI docs, sample code and automated tests, plus deployment guidance.
  5. Post-launch support: optional 30/90-day monitoring and fixes.

Notes: All integrations are based on client authorization or publicly accessible interfaces; for data scraping / reverse engineering, ensure compliance and authorization boundaries are observed.

About Us

We are a technical studio focused on App protocol analysis and compliant API integrations. Our team has extensive experience in payments, banking tech, and mobile security, delivering end-to-end solutions for OpenFinance / OpenBanking integrations.

  • OpenFinance / OpenBanking standard delivery
  • Android / iOS authorization flow analysis and SDK packaging
  • Runnable source code, documentation, and testing scripts
  • NDA and privacy/compliance consulting available

Contact Us

If you need a quote, to submit a target App name (e.g., Google Pay) or specifics, please visit our contact page:

Visit Contact Page / Submit Request

Collaboration Timeline (Illustrative)

  1. Submit requirements → we evaluate and provide scope & cost (1–3 business days).
  2. Sign NDA if needed and confirm compliance boundaries.
  3. Protocol analysis and sample API design (2–5 business days).
  4. Develop and test internally (3–10 business days).
  5. Deliver source code, OpenAPI docs, test scripts; assist with deployment.
📱 Original App: Google Pay — Features & Official Statement (Expanded)

Below is the official text provided by the client for reference in technical and compliance assessment:

Important update:
The U.S. version of the standalone Google Pay app is no longer available for use. Please download the Google Wallet app to tap and pay with Google Pay.

Google Payment Corporation's Customer Service and Error Resolution Policy and applicable processes still apply to report unauthorized transactions related to Google Pay. If you have any further questions about your balance in the app, you can learn more about your Google Pay balance.

Still have questions? Head over to https://support.google.com/googlepay

*Payments processed by Google Payment Corp., a licensed money transmitter (NMLS ID: 911607). Licensed as a money transmitter by the NY State Dept. of Financial Services and to Transmit Money By Check, Draft or Money Order By The Department of Banking and Securities, Commonwealth of Pennsylvania. To learn more about Google Payments, visit the Google Payments Help Center.

Note: Google Pay and Google Wallet functionality, regional availability and compliance requirements may change over time. For integration, we will verify the latest policies and merchant/platform authorization scope.