Google Pay benefits from liability shift to issuers for Mastercard and Visa cards issued in the EU or the UK.
For transactions that use Mastercard and Visa Android device tokens (CRYPTOGTAM_3DS
), this occurs by default.
To receive a liability shift for PAN_ONLY
transactions - which we currently do not support - you would need to apply 3D Secure authentication to Google Pay.
This step would only be necessary for direct integration with CCV, as the hosted payment page integration would handle this automatically when PAN_ONLY
support is added in the future.