# Google Pay Passthrough

If you decrypt Google Pay tokens outside of Finix, use the passthrough path to send the wallet authentication fields including the Electronic Commerce Indicator (ECI) directly to Finix.

The ECI is a one-or-two-digit value that card networks and issuers factor into liability and risk decisions on the authorization.

## PCI Level 1 Required

The passthrough path transmits raw PAN (DPAN) data. Only customers that are PCI Level 1 compliant are permitted to use it. Sending `number` without PCI Level 1 approval returns a `422` error.

## How It Works

There are two ways to submit Google Pay data to `POST /payment_instruments`:

| Path | How it works |
|  --- | --- |
| **Encrypted token** (default) | Send the encrypted `third_party_token`. Finix decrypts it and extracts all fields, including ECI. |
| **Passthrough** | Decrypt the token yourself and send the individual fields (`number`, `cryptogram`, `expiration_month`, `expiration_year`, `electronic_commerce_indicator_code`) directly. |

You cannot send both `number` and `third_party_token` in the same request. Doing so returns a `422` error.

## Passthrough Fields

| Field | Type | Required | Description |
|  --- | --- | --- | --- |
| `number` | *string* | **Yes** | Network token PAN (DPAN) from the decrypted token. May be a raw PAN for Google Pay. |
| `cryptogram` | *string* | No | Wallet-generated cryptogram from the decrypted token. Optional for Google Pay — PAN_ONLY tokens do not produce a cryptogram. |
| `expiration_month` | *integer* | No | Card expiration month (1–12). |
| `expiration_year` | *integer* | No | Card expiration year (4-digit). |
| `electronic_commerce_indicator_code` | *string* | No | One-or-two-digit value indicating the authentication method. The card network and issuer factor this into liability and risk decisions on the authorization. |

## Create a Payment Instrument (Passthrough)

When your server receives the decrypted fields from the Google Pay token, pass them directly in the `POST /payment_instruments` request body instead of `third_party_token`.

### Example

```json
{
  "id": "PIrBNkBnJMThRHLGKHbfpYkF",
  "created_at": "2025-05-08T18:44:58.56Z",
  "updated_at": "2025-05-08T18:44:58.56Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRrBNkBnJMThRHLGKHbfpYkF",
  "identity": "ID78Fh8mcnnzukVzbdoyex5y",
  "instrument_type": "GOOGLE_PAY",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": "APT 200",
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "bin": "411111",
  "brand": "VISA",
  "card_type": "CREDIT",
  "expiration_month": 11,
  "expiration_year": 2026,
  "issuer_country": "USA",
  "last_four": "1234",
  "name": "Finix Sandbox",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "GOOGLE_PAY",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrBNkBnJMThRHLGKHbfpYkF/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID78Fh8mcnnzukVzbdoyex5y"
    }
  }
}
```

## Error Responses

| Scenario | Status | Error code | Message |
|  --- | --- | --- | --- |
| `number` and `third_party_token` both sent | 422 | `INVALID_FIELD` | `Only one of number or third_party_token is allowed in a request.` |
| Neither `number` nor `third_party_token` sent | 422 | `INVALID_FIELD` | `Either number or third_party_token must be provided` |
| `electronic_commerce_indicator_code` is not 1 or 2 numeric digits | 422 | `INVALID_FIELD` | `electronic_commerce_indicator_code must be 1 or 2 numeric digits` |
| Customer is not PCI Level 1 compliant | 422 | `UNPROCESSABLE_ENTITY` | `Unless you are PCI Level 1 compliant, you must send the encrypted GOOGLE_PAY token in the third_party_token field.` |