Web Payment API allows Chrome to make mobile payments easier

chrome mobile payment api

People despise filling out web forms on PC’s as well as mobile devices, Chrome introduced an Autofill feature for their browser to make this easier for users by auto-completing the fields in the web forms based on a chrome user Autofill profile.

Google recently introduced two new APIs for the smartphone version of Chrome. Credential Management API makes it easier to keep track of multiple login information from Chrome’s mobile browser. Though Chrome’s app has had password-management features for some time, the new tool makes logging in even simpler. This chrome API enables chrome users to sign in with just one tap. When a user signs into Chrome, chrome can sync the user’s passwords across devices and synced passwords can also be shared with any Android apps.

Buying products on the mobile web can be a frustrating experience for every user. Different websites have different flows and validation rules, that requires users to manually type the same set of information again and again. At the same time, it is also a difficult and time-consuming process for developers to create user-friendly checkout flows for different and multiple websites.

A new Web Payment API allows a browser to act as an intermediary between the web store and online buyers and also the payment method or bank, users can complete the checkout process with just one touch. Bank credentials are always necessary to process and confirm a transaction and to process the payment method. So, the buyer can confirm and authorize the payment flow via a browser, and auto-fill their payments and shipping information while in the checkout process from multiple websites.

When the user initiates a payment process while buying a product from a web page, that web page immediately creates a “PaymentRequest API” to make a payment. If a user starts an interaction for the payment request, some kind of user interface will be presented to the user to facilitate the payment request. Here, the Web Payment API allows the chrome browser to exchange information with the “PaymentRequest API”. If the user accepts the payment request, browser approved and returned the required fields, that includes payment method, shipping details, payer email address, and phone number. If above details were already set in the browser, the payment options get passed to the “PaymentRequest API”, then the browser interaction will be complete and the payment process will be processed. If the user does not accept the payment request within the allowed time period, then the request will be aborted.

The mission of the Web Payment API is to make mobile payments easier and more secure on the web browser and provide an intellectual interface between a web page and a Payment method to facilitate a payment transaction, this is expected to streamline the checkout process, reduce shopping cart abandonments and make new payment methods easier on the Web.