Google Pay does not appear in a Payment Sheet

[Rich-b1]

Google Pay Not Appearing in Payment Sheet - Issue Report

Summary

Google Pay does not appear as a payment option in the Stripe payment sheet on Android despite following all documentation and having proper configuration. Apple Pay works correctly on iOS, confirming the Stripe integration is functional.

Environment

Flutter & Dart

• Flutter: 3.38.7
• Dart: 3.10.7

Package Versions

flutter_stripe: ^12.2.0
stripe_android: 12.2.0
stripe_platform_interface: 12.2.0

Android Configuration

• Test Device: Samsung Galaxy S25 Ultra
• Android Version: 16, One UI Version 8.0
• Google Play Services: 26.04.34 (verified via adb)
• Google Wallet: Installed (com.google.android.apps.walletnfcrel)
• Samsung Pay: Also installed (com.samsung.android.spay)
• play-services-wallet: 19.5.0

Backend

• Stripe SDK: PHP v19.3.0
• API Keys: Test mode (pktest*)
• PaymentIntent: automatic_payment_methods enabled
• Customer: Created with full billing details
• Currency: USD

Configuration Implemented

1. Android build.gradle.kts

dependencies {
    implementation("com.google.android.material:material:1.13.0")
    implementation("com.google.android.gms:play-services-wallet:19.5.0")
}

2. AndroidManifest.xml

<!-- Enable Google Pay -->
<meta-data
    android:name="com.google.android.gms.wallet.api.enabled"
    android:value="true" />

3. Flutter Stripe Initialization

note: app name and company, as well as private keys have been removed for privacy

Stripe.publishableKey = key;
Stripe.merchantIdentifier = 'merchant.com.mycompany.myapp';
Stripe.urlScheme = 'flutterstripe';
await Stripe.instance.applySettings();

4. Payment Sheet Configuration

await Stripe.instance.initPaymentSheet(
  paymentSheetParameters: SetupPaymentSheetParameters(
    paymentIntentClientSecret: clientSecret,
    merchantDisplayName: 'MyApp - MyCompany.com',
    style: ThemeMode.system,
    returnURL: 'flutterstripe://redirect',
    billingDetails: BillingDetails(
      name: shippingDetails['name'],
      email: shippingDetails['email'],
      phone: shippingDetails['phone'],
      address: Address(
        line1: shippingDetails['street'] ?? '',
        line2: shippingDetails['street2'],
        city: shippingDetails['city'] ?? '',
        state: shippingDetails['state'] ?? '',
        postalCode: shippingDetails['zip'] ?? '',
        country: shippingDetails['country'] ?? '',
      ),
    ),
    googlePay: PaymentSheetGooglePay(
      merchantCountryCode: 'US',
      testEnv: _cachedPublishableKey?.startsWith('pk_test_') ?? true,
    ),
    applePay: PaymentSheetApplePay(
      merchantCountryCode: 'US',
    ),
    billingDetailsCollectionConfiguration: const BillingDetailsCollectionConfiguration(
      address: AddressCollectionMode.automatic,
    ),
  ),
);

5. Backend PaymentIntent Configuration

$paymentIntent = \Stripe\PaymentIntent::create([
    'amount' => $totalAmountCents,
    'currency' => 'usd',
    'customer' => $customer->id,
    'automatic_payment_methods' => [
        'enabled' => true,
    ],
    'shipping' => [
        'name' => $name,
        'phone' => $phone,
        'address' => [
            'line1' => $street,
            'line2' => $street2,
            'city' => $city,
            'state' => $state,
            'postal_code' => $zip,
            'country' => $country,
        ],
    ],
    // ... metadata
]);

The Issue

Observed Behavior

• Payment sheet displays successfully
• Credit card payment option is available
• Google Pay option does NOT appear <<------------ THE PROBLEM !!!
• Apple Pay appears correctly on iOS devices
• Amazon Pay appears correctly on both Android and iOS devices

Console Warnings

When filtering logcat for Google Pay, the following warning appears from the native Android Stripe SDK:

StripeSdk: GooglePayConfiguration is not set.

Despite the Flutter log showing:

Debug: Payment sheet initialized with Google Pay config (merchantCountryCode: US, testEnv: true address:AddressCollectionMode.automatic)

Testing Performed

Tested Configurations

1. ✅ Release APK (not debug build)
2. ✅ Developer mode disabled on device
3. ✅ USB debugging disabled
4. ✅ Google Wallet installed and verified (via adb) and has a payment card installed
5. ✅ Google Play Services version confirmed sufficient (26.04.34)
6. ✅ play-services-wallet dependency added
7. ✅ URL schemes consistent across configuration
8. ✅ MainActivity uses FlutterFragmentActivity
9. ✅ All configuration matches flutter_stripe documentation

Attempted Diagnostics

When attempting to call Stripe.instance.isGooglePaySupported():

MissingPluginException(No implementation found for method isGooglePaySupported on channel flutter.stripe/payments)

When attempting to call Stripe.instance.initGooglePay():

MissingPluginException(No implementation found for method initGooglePay on channel flutter.stripe/payments)

These methods appear to not exist in flutter_stripe 12.2.0, suggesting incomplete Google Pay API implementation.

Expected Behavior

Google Pay should appear as a payment option in the payment sheet, similar to how Apple Pay appears on iOS devices.

Analysis

The native Android Stripe SDK warning GooglePayConfiguration is not set indicates that despite the Flutter-side configuration being passed correctly, the native Android SDK is not receiving the Google Pay configuration.

This suggests either:

1. The flutter_stripe plugin is not properly bridging the Google Pay configuration to the native Android Stripe SDK
2. Additional native Android configuration is required that flutter_stripe doesn't expose through the Flutter API
3. There's a bug in flutter_stripe 12.2.0's Google Pay implementation

The fact that:

• isGooglePaySupported() method doesn't exist
• initGooglePay() method doesn't exist
• The native SDK reports missing configuration despite Flutter config being present

...suggests the Google Pay implementation in flutter_stripe may be incomplete.

Comparison with Working Setup

• Apple Pay on iOS: Works perfectly with similar configuration
• Card payments: Work correctly on both platforms
• Backend: Confirmed working (Apple Pay succeeds)
• Only Google Pay on Android: Fails to appear

Additional Context

• Configuration follows current flutter_stripe documentation (no currencyCode required per updated API)
• All code compared against flutter_stripe example app - matches expected setup
• Device has both Google Wallet and Samsung Pay installed (Samsung Pay may be interfering, but this shouldn't block Google Pay entirely). Google Wallet is set as the default wallet payment app.

BUG / PROBLEM

It seems the cause is flutter_stripe 12.2.0

Downgrading to flutter_stripe 12.1.1 seems to have resolved the issue

in pubspec.yaml

changed from flutter_stripe: ^12.2.0 to:
flutter_stripe: 12.1.1
stripe_android: 12.1.0
stripe_ios: 12.1.0
stripe_platform_interface: 12.1.1

[addappcn]

The problem can be solved in this way

[Rich-b1]

The problem can be solved in this way

@addappcn Thank you VERY much, this worked perfectly! 👍

So it seems this confirms that it is an issue with flutter_stripe 12.2.0 causing Google Pay not to work.

I edited my problem report to indicate your solution.

[addappcn]

The problem can be solved in this way

@addappcn Thank you VERY much, this worked perfectly! 👍

So it seems this confirms that it is an issue with flutter_stripe 12.2.0 causing Google Pay not to work.

I edited my problem report to indicate your solution.

Yes, 12.2.0 does have this problem

[Rich-b1]

@addappcn do you know, or have you tested Google Pay and then selecting any of the test cards in Google Pay that require 3DS with this working flutter_stripe?

If I use the card input in the payment sheet and input stripe test cards that request 3DS, my payment flow works perfectly, and the user gets an extra page that requesta the extra authentication step.

But I use the Google Pay flow, if I select any of the google test cards listed that seem to say for 3DS, there is no extra step shown to the user, and it only seems to return a decline my payment sheet. So I'm wondering if this works at all, am I doing something wrong, or have bad or broken code in my app?

[cedvdb]

@Rich-b1 does it happen also if you use the main branch of the repository as dependency ?

It seems like there was a commit regarding google pay after the last release: 8223938

[Rich-b1]

does it happen also if you use the main branch of the repository as dependency ?

@cedvdb I'm not sure what you mean?

This was my dependency in my pubspec.yaml that had the problem and would not show Google Pay in my payment sheet:
flutter_stripe: ^12.2.0

But I had to change the entry in my pubspec.yaml as shown above by addappcn's comment above to get it to work in my app like this:

  flutter_stripe: 12.1.1 #Force flutter_stripe to 12.1.1 because ^12.2.0 doesn't work with Google Pay
  #the following to force stripe versions to allow flutter_stripe: 12.1.1
  stripe_android: 12.1.0
  stripe_ios: 12.1.0
  stripe_platform_interface: 12.1.1
  #end of force stripe versions

Google Pay now shows in my Stripe payment sheet as expected, and it seems to work with a normal test card.

However: I'm not having luck trying to use 3DS test cards. They all seem to not show the flow of asking for authorization, or a PIN, or multi-selections. the 3DS test cards all just return 'Declined' to my app. However if i use the normal Card input in the Stripe payment sheet, and use the Stripe 3DS test cards, the payment flow works as expected (they ask for authorization, pin, or multi-selections, as needed) and work properly with my app.

So I'm not sure if Google Pay is fully functional, especially considering the 3DS card test flows.

[cedvdb]

StripeSdk: GooglePayConfiguration is not set.

I have seen this too. Something has happened between those 12.1 and 12.2.

Do you still have the missing Google pay button issue with

dependencies:
  flutter_stripe:
    git:
      url: https://github.com/flutter-stripe/flutter_stripe.git

Do you have the Google pay button with the above dependency ?

[Rich-b1]

Thanks for this, i learned something new!
I never knew that I could directly access a git repo like this in my dependencies!

@cedvdb I had to enter it like this so it would build for me:

  flutter_stripe:
    git:
      url: https://github.com/flutter-stripe/flutter_stripe.git
      path: packages/stripe

And I'm sorry to report that the Google Pay button DID NOT show up in my payment sheet after rebuilding with this repo

Additionally, I'd like to add that I'm still not having any luck with the Google Pay 3DS test cards. Should I open a separate problem report for this?

[addappcn]

@addappcn do you know, or have you tested Google Pay and then selecting any of the test cards in Google Pay that require 3DS with this working flutter_stripe?

If I use the card input in the payment sheet and input stripe test cards that request 3DS, my payment flow works perfectly, and the user gets an extra page that requesta the extra authentication step.

But I use the Google Pay flow, if I select any of the google test cards listed that seem to say for 3DS, there is no extra step shown to the user, and it only seems to return a decline my payment sheet. So I'm wondering if this works at all, am I doing something wrong, or have bad or broken code in my app?

Mine too. From what I understand, your card is not supported. I had my American colleagues test it, and they were able to pay with their own cards. This is mainly due to currency and many other restrictions.

[Rich-b1]

@addappcn it's not that my card is not supported, because I'm not using my personal card, I'm using the list of test cards that show up in the Google Pay.

I'm using this in TEST mode with the stripe payment sheet.

I am in the Google Pay test group.
Google Pay is setup, configured and fully authorized for my app.

When invoking Google Pay in my stripe pay sheet, I switched to this same google profile that is in the google pay test group.
Then I click on the card in the google pay sheet, where I can see it switch from my personal card, to the **4242 normal stripe test card for the US.

Then click on that **4242 normal stripe test card and a list of many other test cards will display, there are many test cards from various issuers, and countries listed.

I then scroll down and find the 3DS Single Select: 3DS OTP: Visa **3238 Tokenized one_time_passcode (as an example of a 3DS test card in the US)

Selecting this card, the purchase attempts with the 3DS test card. Again, this is not MY card, it's supplied by stripe/google pay.

It goes through the google pay flow, and then returns declined.

If I use this same card test number as provided by stripe, in the normal stripe payment flow, but instead of choosing to use Google Pay, I manually enter the 3DS card number into the input field of the stripe payment sheet it works properly, in that another sheet displays waiting for me to enter a test One Time Passcode (like a PIN), then the payment flow succeeds and the payment is authorized.

To me, this testing seems to show Google Pay test environment is either not setup properly, Google Pay in testing doesn't work properly with 3DS flows, flutter_stripe has another 'bug', or I have something misconfigured when setting up for Google Pay?

Perhaps others have not tried testing the 3DS payment flows that require additional inputs?

This is my first app to use Google Pay so I'm trying to perform as many tests as possible to be sure I have everything properly implemented.

[cedvdb]

This issue is poluted with another 3ds2 issue, which makes both issues less likely to be fixed in the end.

Please create a separate issue for any 3ds issue, which is an important issue as well if it's not on your end