I am currently developing a mobile application in which I am implementing a wallet feature and I am using the PayPal API.
The users can execute a service in exchange of a payment.
Is it possible to let the users store the money received in the wallet within the app ?
Will I also need to acquire any financial certificate before releasing the app?
Thank you very much.
You'll have to ask a lawyer or financial expert of the country(s) your business is based in as well as review any particular App Store policies, but my answer would be that with what you describe the "money received in the wallet" is more like "credits" until your app pays it out to an actual financial system.
You can use PayPal's Payouts API to send money to an email address.
(If there's no PayPal account at that address the recipient will get a notification and have 30 days to create one or add this email to an existing account, otherwise a refunded is processed automatically)
Related
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
I'm developing an app having customers and sellers. For payments I'm using stripe API. I've already completed the customer part by accepting the payment from them on purchase through their cards. Now I want to transfer payments to the sellers, but stripe doesn't provide the feature to transfer payment to the bank accounts of external users.
I tried creating Stripe accounts of sellers from API using stripe connect, but they are showing as restricted and require business information of every seller which I don't have.
If anyone knows a solution and has an alternative, kindly help me.
I had the same scenario. I sent an e-mail to the support team and they said that currently stripe does not support direct transfer but may in future. You can transfer amount to those users who are registered with you as a stripe connect user and for that you have to force user to register on stripe.
You can register on some other platform like:
https://developers.dwolla.com/guides/send-money/create-a-customer
OR
You can provide a gift voucher to the user:
https://help.giftup.com/article/188-stripe-subscriptions-coupons
After X hours of searching and lost-ing inside documentation and this community, I understand that, if :
I'm non US developer
my client is not a US company
I want integrate Paypal in market-place
sending several emails to Paypal support
I need to:
register as Business Account US in paypal.com ( and not in sandbox )
find an US user because I'm not, otherwise I need to fake my address, zip code and state
enter in developer.paypal.com
Someone can answer me YES ? or the right procedure ?
Thanks
from https://developer.paypal.com/docs/faq/#international-developer-questions
"I'm a non-U.S. developer. What products are available to me?
The REST API supports a number of countries and currencies. The REST API provides simple payment processing for common business needs, including PayPal payments, direct credit card payments, authorization and capture, and refunds. For more advanced payment solutions such as parallel and recurring payments, you can use the NVP/SOAP APIs.
If you've previously used our NVP/SOAP APIs, you can continue to use them. Using your old Sandbox email address and password, you can import existing Sandbox accounts on the Sandbox Accounts page."
I started on this page:
https://developer.paypal.com/developer/accounts/
I have an app that is both Web and Mobile. I know what I am trying to do is a bit messy but I was hoping someone could help guide me through the options please. I have done some reading and check replies on Stackoverflow but I'm am getting confused.
The main criteria here is I do not want to have the users log in to PayPal every time, approve a transaction every time. So I guess part of the solution is to have them set up an Agreement to pay ?
I have a Business account.
a)
is it possible to transfer funds from a users bank account they have with paypal, to some other paypal account. In other words make a payment from their bank account to a specified paypal account they do not own (namely some merchant)
b)
is it possible to transfer funds from one paypal account to another. Lets say mine to someone else's.
c)
is it possible to transfer funds from one paypal account to another. Lets say someone else's to mine.
d)
is it possible to transfer funds from my paypal account to someone else's bank account.
e)
I guess PayPal IPN could be used for instant notification ?
All of the above needs to be done in the background without user involvement apart from them entering the amount, and say yes proceed. No passwords or bank account details to be entered etc.
I would preferably like to do the above on a web server rather than on a mobile device. So within server-side code.
thanks in advance
It is possible to do some of what you are asking using a Billing Agreement. In a BA, you agree that I can charge your Paypal account without a further login. It's a one-time setup.
You can use the MassPay API call to pay anyone. All you need is their email address. There is a fee to you to do this, tho.
You can make third party calls (where I make calls on your behalf) so it's theoretically possible for me to issue a MassPay on your behalf.
You cannot send money to a bank account (i.e. ACH-style). You can send it to their paypal and they can log in and move it from there.
All transactions will send an IPN if you have one specified.
Hope that helps
I'm building a web application and I would like that each user could configure their necessary information about their PayPal accounts in order to receive payments from the app. Can this be done?
I've seen a website that asks each user to type their PayPal email in order to receive payments, but I don't know what I have to do programmatically in order to use that user's account information so that person receives the payment.
Thanks,
Brian
Yes, it is possible to do this using PayPal Website Payments integration. Essentially your client needs to set their PayPal account up to receive payments, this usually requires them to prove that they're a legitimate business, although charities and some other personal reasons for taking payments such as wedding gifts are allowed as well.
Once setup they will be given a unique vendor id which can be embedded into a form on your website. When a customer wants to purchase something, this vendor id is passed to paypal and they handle the transaction from there. This means you don't have to store any credit card information on your website.
Check out the PayPal Website integration guide here: https://www.paypalobjects.com/en_US/pdf/PP_WebsitePaymentsStandard_IntegrationGuide.pdf