In my Windows-Desktop App I want allow to transfer money from one Personal-Account to another Personal Account. What is the best way to do that?
Using Payouts seems to requiere a business account for the money sender.
In some countries, PayPal can facilitate fee-less "friends and family" payments from the PayPal balance or funding sources that don't charge significant fees, like bank accounts. If this is what you are looking for, all you can do is have the receiver of the payment create their own https://paypal.me link and direct the sender there, or if not using paypal.me then direct the sender to https://www.paypal.com/sendmoney to set up the transfer themselves.
Otherwise, only payments for "goods and services" are possible. There are many ways to set up a PayPal checkout between two accounts, and the receiver's account type is generally not of much importance although this may vary by country due to local legal regulations. A web page with a standard PayPal Checkout to pay another account can be set up with HTML/JS, so you could have your app show a browser with such a page. Alternatively, the much older (~20 years) integration method that uses a full-page redirect is to create a link with this template:
https://www.paypal.com/webscr?cmd=_xclick&item_name=purpose%20of%20payment%20goes%20here&amount=100¤cy_code=USD&business=emailusername#example.com
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I need a solution that allows UserA to make a payment to UserB. UserA is a registered account in a web service that has their information stored in the "vault". UserB has no registered account and would simply pay at checkout by entering a valid card number. The web service would take 2% of the payment that goes to I guess a separate account for the website.
I am trying to wrap my head around which payment service to use as this is the first time I am creating a service with money transactions involved. I like Braintree specifically from what I see:
Free up to first 50k (good for a small cloud based web service)
Drop in UI that handles the encryption side of thigns for me (so it seems)
My question is my solution requirements need me to seemily split up the transaction that UserB pays from a card into two places - a portion to UserA and a portion to the web service. Does Brain tree offer a solution that makes this possible as I see it is with Paypal Adaptive Payments
Just looking for a quick link to the documentation.
I think Braintree supports "Split & pay". Refer : You can designate a service fee with each transaction and Braintree will disburse the appropriate funds to you and your sub-merchant..
And Paypal of course supports Adaptive payments. Refer : Adaptive Payments
I think all you need is in the above links.
I've made already some applications with the requirements of yours, and if I was you, I would consider Paypal Adaptive payments, because through the API, you can select how you want to "split" the payment between the receivers.
check this page for the configurations : page with configs
our website works very well in Sandbox. We are using Adaptive Payments to implement Personal Payments (directly from one person to other), and now we want to test our functions in Live mode.
But when we read the Application Policies to go Live (https://www.x.com/developers/paypal/documentation-tools/paypal-application-policies-and-guidelines) we surprised to find next:
PayPal - Application Policies
The Merchant/Seller of Record must be the primary recipient for every PayPal transaction made between a payment Sender (Buyer) and the associated payment Recipient (Seller).
(we use like a sender a person and like primary recipient, a friend of that person)
Do not use PayPal API operation calls to provide Personal Payments in India, Mexico, Malaysia, Singapore, and Taiwan.
(we are in Spain)
Do not expand Personal payments or provide remittance services for any transactions provided via PayPal services.
So, is there any problem to use Adaptive Payments (Personal Payments) in Live mode ?
Thanks in advance.
We are a UK-based marketplace site that wants to never force buyers to sign up for paypal. We allow users to set up customized stores through our site, and our second requirement is that these users be able to become sellers with only a basic paypal account. When a buyer makes a purchase, we are the primary receiver, taking 15% and passing on the entire paypal fees to the secondary receiver (user), as well as all the remainder of the transaction. My question is: What's the best solution paypal offers for this? It seems that chained payments would be, but if I understand correctly the Website Payments Pro system is the only one that guarantees that buyers outside the UK wouldn't need a paypal account. Is there a way to take the money in ourselves with Website Payments Pro and use the API so it transfers the 85% (minus the fees) to the user's paypal account?
It depends on what approach you want to take.
I would prefer Chained Payments as it allows guest checkout (credit card payments outside a PayPal account) with certain restrictions and will easily allow the user to receive the funds and automatically forwards the 15% cut to your account. This removes the need to collect funds outside of the payment flow. This means no invoicing or no lost dues!
Website Payments Pro only offers credit card payments however you would also need to offer Express Checkout for PayPal payments as well. You also have the flexibility of hosting the order form so you control what the users see. The downside is you'd have to collect funds from the user outside the payments. Such as monthly invoicing, billing agreements or manual processing.
Here is the criteria we use to allow guest checkout. Please keep in mind these are due to rules and regulations, not PayPal's choosing.
The credit card has a lifetime limit of 10 purchases outside a PayPal account
The user's email address must not be attached to an existing PayPal account
I don't have a direct answer for you but hopefully this helps make your decision.
Basically I have a script where user should have Withdraw button on his account so he can automatically withdraw money from my paypal balance
What API should I use in this case and is this available at all for paypal?
You may be interested in the Mass Pay API. You can send them in batches, say daily, weekly, or monthly.
See here for an explination directly from paypal:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/howto_api_masspay
The MassPay API allows you to send payments to up to 250 recipients with a single API call. The payment amount for each recipient is specified individually, but all payments in a MassPay API request must have the same currency type. You can choose to specify recipients by email address or PayPal customer account number.
And here for PHP examples (if you're using PHP):
https://www.x.com/paypal-apis-masspay-php-5.3/soap
There are additional examples and a large amount of documentation on the first PayPal.com link, regardless of programming language used.
Please keep in mind Mass Pay has it's own fee schedule.
There is also Adaptive payments, which may be more up your alley, as it's designed for more fine-grained control and has a larger API available. Information can be obtained here:
https://www.x.com/content/introducing-adaptive-payments
However, the Adaptive payments will require approval of each Payment by you (the sender) via the PayPal website. If you want 100% automation, the Mass Pay API is the way to go.
Please realize a mistake here could cost you infinate amounts of money, so tread extremely carefully.
If you're attempting to withdraw money from your PayPal account and move it to your bank account that's not something you can do via the API, unfortunately. You have to do that manually through PayPal, or you can call them and request that they enable AutoSweep for you, which will automatically move the balance in PayPal to your bank at the end of each day.
Ya there is preapproval api in AdaptivePayment. You can approve the api caller for the amount he want to withdraw from your account on your behalf.
You can refer api here : https://www.x.com/developers/paypal/documentation-tools/api/preapproval-api-operation
I am working on a website which involves users paying to each other. The payment gateway is going to be paypal., now does it require every user to have their business account with paypal? (or) is it possible to let them have their business account with any business account provider?.
Would appreciate any pointers. Thanks!
Define what you mean by 'business account'. If you mean a merchant account at an acquiring bank: no, that's not required. If you mean a PayPal Business account; no, that's not require either, recipients can have a Premier account as well.
Technically, you'll want to look into Adaptive Chained Payments -- this allows you to chain the payment along multiple recipients (up to 9, if I recall correctly).
Have a look at Introducing Adaptive Payments
Or dev guides