GooglePayButton in Flutter-Dart: 'Invalid Payment Method' Error when Adding New Credit Card

Question

I'm developing a Flutter-Dart application and using the GooglePayButton for payments. When trying to add a new credit card, I encounter an error message stating "invalid payment method, OR_CCREU_O1". The credit card I'm attempting to add is valid, as I'm able to add and use it in another application successfully, and it allows payments.

Interestingly, when I use another card that's already added to my Google payment methods, the test payment through my app is completed successfully. I'm integrating payments with Stripe and have a developer account associated with both Google Pay and Google Cloud.

I suspect there might be some setting or configuration in Google Pay or Google Cloud that's preventing me from adding a new card. In the Android project, I've configured implementation "com.google.android.gms:play-services-wallet:18.0.0" and also tried version 19.2.1, though I'm unsure if this is necessary.

Can anyone provide some insights or suggestions to help me resolve this issue?

Below is how I'm calling the GooglePayButton:

GooglePayButton(
    paymentConfiguration: googlePayConfig,
    paymentItems: const [
    PaymentItem(
      label: 'Total',
      amount: '2.00',
      status: PaymentItemStatus.final_price,
    )
    ],
    type: GooglePayButtonType.pay,
    margin: const EdgeInsets.only(top: 15.0),
    onPaymentResult: (result) {
    // log(result.toString());
    String res = result.toString();              
    },
    onError: (error) {                
    },
    loadingIndicator: const Center(
    child: CircularProgressIndicator(),
),

Below are the configurations and the error:

configuration

Versions

flutter --version
Flutter 3.16.7 • channel stable • https://github.com/flutter/flutter.git
Framework • revision ef1af02aea (7 weeks ago) • 2024-01-11 15:19:26 -0600
Engine • revision 4a585b7929
Tools • Dart 3.2.4 • DevTools 2.28.5


Dart SDK version: 3.2.4 (stable) (Thu Dec 21 19:13:53 2023 +0000) on "windows_x64"

Android configs

file : ...\android\app\build.gradle

plugins {
    id 'com.google.gms.google-services'
    id "com.android.application"
    id "kotlin-android"
    id "dev.flutter.flutter-gradle-plugin"

    // Add the Crashlytics Gradle plugin
    id("com.google.firebase.crashlytics")
}

def localProperties = new Properties()
def localPropertiesFile = rootProject.file('local.properties')
if (localPropertiesFile.exists()) {
    localPropertiesFile.withReader('UTF-8') { reader ->
        localProperties.load(reader)
    }
}

def flutterVersionCode = localProperties.getProperty('flutter.versionCode')
if (flutterVersionCode == null) {
    flutterVersionCode = '1'
}

def flutterVersionName = localProperties.getProperty('flutter.versionName')
if (flutterVersionName == null) {
    flutterVersionName = '1.0'
}

android {

 
    namespace "com.xxxx"    
    compileSdkVersion 34
    ndkVersion flutter.ndkVersion

    compileOptions {
        sourceCompatibility JavaVersion.VERSION_1_8
        targetCompatibility JavaVersion.VERSION_1_8
    }

    kotlinOptions {
        jvmTarget = '1.8'
    }

    sourceSets {
        main.java.srcDirs += 'src/main/kotlin'
    }

    defaultConfig {
        // TODO: Specify your own unique Application ID (https://developer.android.com/studio/build/application-id.html).
        applicationId "com.xxxx"
        // You can update the following values to match your application needs.
        // For more information, see: https://docs.flutter.dev/deployment/android#reviewing-the-gradle-build-configuration.
        minSdkVersion 21
        targetSdkVersion 34
        multiDexEnabled true
        versionCode flutterVersionCode.toInteger()
        versionName flutterVersionName
    }

    buildTypes {
        release {
            // TODO: Add your own signing config for the release build.
            // Signing with the debug keys for now, so `flutter run --release` works.
            signingConfig signingConfigs.debug            
        }
    }
}

flutter {
    source '../..'
}

dependencies {
    implementation 'com.android.support:multidex:1.0.3'
    implementation 'com.google.android.gms:play-services-wallet:19.2.1'    
    implementation 'com.stripe:stripe-android:20.37.4'
    implementation(platform("com.google.firebase:firebase-bom:32.7.0"))    
    implementation("com.google.firebase:firebase-crashlytics-ndk")
    implementation("com.google.firebase:firebase-analytics")
}

android\app\src\main\AndroidManifest.xml

<manifest xmlns:android="http://schemas.android.com/apk/res/android">
    <uses-permission android:name="android.permission.ACCESS_NETWORK_STATE" />
    <uses-permission android:name="android.permission.INTERNET"/>
    <uses-permission android:name="android.permission.READ_EXTERNAL_STORAGE"/>
    <application
        android:usesCleartextTraffic="true"
        android:label="xxxxxxx"
        android:name="${applicationName}"
        android:icon="@mipmap/ic_launcher">
        <activity
            android:name=".MainActivity"
            android:exported="true"
            android:launchMode="singleTop"
                        
            android:theme="@style/NormalTheme"

            android:configChanges="orientation|keyboardHidden|keyboard|screenSize|smallestScreenSize|locale|layoutDirection|fontScale|screenLayout|density|uiMode"
            android:hardwareAccelerated="true"
            android:windowSoftInputMode="adjustResize">
                        
            <meta-data
              android:name="io.flutter.embedding.android.NormalTheme"
              android:resource="@style/NormalTheme"
              />
            <intent-filter>
                <action android:name="android.intent.action.MAIN"/>
                <category android:name="android.intent.category.LAUNCHER"/>
            </intent-filter>
        </activity>
        <!-- Don't delete the meta-data below.
             This is used by the Flutter tool to generate GeneratedPluginRegistrant.java -->
        <meta-data
            android:name="flutterEmbedding"
            android:value="2" />

        <meta-data
            android:name="com.google.android.gms.ads.APPLICATION_ID"
            android:value="xxxxxxx"/>

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


    </application>

    <queries>        
        <intent>
            <action android:name="android.intent.action.VIEW" />
            <data android:scheme="sms" />
        </intent>        
        <intent>
            <action android:name="android.intent.action.VIEW" />
            <data android:scheme="tel" />
        </intent>        
         <intent>
        <action android:name="android.intent.action.SENDTO" />
            <data android:scheme="mailto" />
        </intent>
    </queries>

</manifest>

android\build.gradle

buildscript {
    ext.kotlin_version = '1.9.0'
    repositories {
        google()
        mavenCentral()
    }

    dependencies {
        classpath 'com.google.gms:google-services:4.3.15'
        classpath 'com.google.firebase:firebase-crashlytics-gradle:2.8.1'
        classpath 'com.android.tools.build:gradle:7.3.0'
        classpath "org.jetbrains.kotlin:kotlin-gradle-plugin:$kotlin_version"
    }
}

allprojects {
    repositories {
        google()
        mavenCentral()
    }
}

rootProject.buildDir = '../build'
subprojects {
    project.buildDir = "${rootProject.buildDir}/${project.name}"
}
subprojects {
    project.evaluationDependsOn(':app')
}

tasks.register("clean", Delete) {
    delete rootProject.buildDir
}

android\settings.gradle

pluginManagement {
    def flutterSdkPath = {
        def properties = new Properties()
        file("local.properties").withInputStream { properties.load(it) }
        def flutterSdkPath = properties.getProperty("flutter.sdk")
        assert flutterSdkPath != null, "flutter.sdk not set in local.properties"
        return flutterSdkPath
    }
    settings.ext.flutterSdkPath = flutterSdkPath()

    includeBuild("${settings.ext.flutterSdkPath}/packages/flutter_tools/gradle")

    plugins {
        id "dev.flutter.flutter-gradle-plugin" version "1.0.0" apply false    
        id 'com.google.gms.google-services' version '4.4.1' apply false
    }
}

include ":app"

apply from: "${settings.ext.flutterSdkPath}/packages/flutter_tools/gradle/app_plugin_loader.gradle"