I'm trying to build out a process for users of my app to send money from their PayPal wallet to another user's PayPal wallet.
The idea is that there is no need for credit cards, just wallet to wallet transactions, so that there are no fees attached to the transfer (we're not taking payments or selling goods, just helping people settle their debts with friends and family)
Can anyone confirm whether this is possible with PayPal? And which API / method you would use for this? Thank you!
There is no API to send money without fees. Such functionality is available in www.paypal.com for users from certain countries using certain funding sources (their PayPal balance or a bank)
In general, sending money to another account can be done by adding a payee variable to a regular PayPal Checkout: https://developer.paypal.com/docs/checkout/standard/customize/pay-another-account/
Related
Is it possible to transfer money from one PayPal account to another without touching my paypal account, but I get notified when the payment happened?
scenario:
Seller on my website uploads product
Buyer comes on the website and purchase
If Seller receives the amount from buyer
Me (the websites unlock product for download (money dosen't touch the websites account)
coding Language dosen't really matter, if not possible is it possible to a business account with automated payout to the seller?
Use PayPal Checkout with a server backend
Specify a payee object in the purchase_unit: https://developer.paypal.com/docs/checkout/integration-features/pay-another-account/
If you have used oDesk or Elance then you would be familiar with how you can withdraw your funds to your paypal account.
My question is which paypal feature do they use for this auto withdraw method?
I am building a website for a client who will connect specialists to clients. Clients will pay directly on the website and my client will hold the funds in his account. Once the specialist has completed the appointment they can request to withdraw the funds.
I've come across chained payments but that has a limit of 90 days, so would not work for bookings longer than that.
Ideally I would like to know how sites such as Elance manage this where freelancers can request to withdraw their money from the dashboard, and then receive the specified amount automatically.
Thanks in advance for your help.
For Adaptive Payments, use the Pay Call.
Look at Implicit Payments -- if the caller of the API is also the senderEmail or sender.accountId it will have automatic approval and be able to send programatically.
Alternatively, MassPay can also send from an account program
Yes i know this question looks similar to Add funds to PayPal from Bank Account , but I have a legitimate circumstance why that answer is not acceptable.
I have many recipients that I need to automatically pay out each day, and need my paypal account to have suitable funds (while only making ONE call to my bank account). My bank account has transaction limits and I therefore can't afford to make 10+ withdrawals a day.
I plan on using Mass Payments api, does anyone know if this makes one lump withdrawal for the total amount of all the payments combined that are wrapped up in a mass payment?
Alternatively, does anyone know of an api way of funding a paypal account from a bank account?
Thanks
Unfortunately, there isn't any way to fund your PayPal account from your bank through the API. MassPay won't automatically do it either. You would need to have the funds already available in PayPal for MassPay to work.
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