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On some occasions our customers are reporting that their payments from their customers are being automatically refunded.
We've noticed that this seems to be increasing over time.
When the refund occurs sometimes the users are presented with an error message like "Sorry your payment could not be completed at this time, please try again later".
We are using an adaptive payment setup with multiple receivers (2 to be exact).
Has anyone had this issue, is it an integration issue, or any work arounds?
Also we're using the PHP sdk.
Typically this occurs when the some of the recipients are not able to receive funds.
Some scenarios I'm aware of:
A receiver account has an issue or restriction that prevents it from receiving any PayPal payments at all.
Primary receiver of the chained payment is a Mexican PayPal account, which due to local regulations cannot hold or use a balance to forward funds to the secondary receiver, and so the adaptive payment will always be reversed (no workaround, chained payments cannot be used to an MX primary)
A chained secondary receiver is in one of certain Caribbean and smaller island countries that requires some kind of auto-sweep withdrawal method
If your user isn't able to determine what's wrong by logging into their account and reviewing messages there, they'll need to contact PayPal's support to ask about the reversals. It could be one of the reasons above or some other account issue
But basically these are account or country issues that cause an error with part of the payment, not a programming issue.
And by default, Adaptive Payments have reverseAllPaymentsOnError::yes. This is a payment creation setting, and likely something you want to keep as-is
Adaptive is a legacy product and support ended for new integrations in Dec of 2017, so you will want to see if you can become a PayPal partner and move to something new like the Commerce Platform, https://developer.paypal.com/docs/commerce-platform/onboarding/partner-onboarding/
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I have a simple "pay now" PayPal button on my website. I also have a server listening for IPNs. The IPN handler basically updates the validity of my user´s account.
But what´s hard for me to do is the correct handling of the IPN.
The basic handling with the validation step is no problem.
But I also need to check and handle the transaction type and payment status.
In the PayPal docs there are many different values for different cases (express checkout and other stuff I don´t even know what it is). That confuses me because I don´t know which values are relevant for my case.
Does anyone know a good and simple tutorial or example of how to handle IPN?
(which goes a little bit further than how to receive the IPN)
The PayPal IPN Variables documentation lists all of the transaction types and the values you would expect from the different types of payments you could be processing. The descriptions next to each should give you the info you need about when you should be looking for one value vs. another.
So you said you're using basic Pay Now button, right? Based on the documentation this would send a web_accept IPN.
Payment received; source is any of the following:
A Direct Credit Card (Pro) transaction
A Buy Now, Donation or Smart Logo for eBay auctions button
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In my web application (spring mvc + jsp), I have to implement payment process which I will take the money of someone (i.e buyer), deposit to someone else (i.e seller), and keep a portion for myself (i.e commission). I would like the process will perform on my website instead of redirecting to paypal. I have tried to search for the service that I need, but after a while of reading it, I am very confused. I am thinking I may need some mix between Adaptive Payment or Website Payment Pro. However, I think that Paypal would also provide a service that I am searching for, but I haven't found yet. So would anyone mind to help me out of this confusion please?
In order to do the payment split as part of checkout you would need to use Adaptive Payments, specifically the Pay API with a chained payment. Unfortunately, you can't avoid redirecting the user to PayPal with this method.
If that's a must, then you'll need to go with Payments Pro, but then you can't do the split within a single checkout, and you can't split the fees up among the receivers. So you'll end up paying a fee when you receive the money, and then when you send the money there will be another fee there, too. Also, if you go that route you would be responsible for any chargebacks that occur, so this is simply not recommended.
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I am a new web-dev with what I think is a good idea. This idea requires handling payments.
I want to be able to accept a payment from user A, keep the payment for a set amount of time as an escrow, and then release the payment to user B's bank account after a set amount of time, and also charge a service fee, thereby reducing the amount paid to the bank account.. Occasionally, payments will need to be refunded to user A. I want to integrate such payments into a website.
I want this to happen automatically, without having to handle each payment myself.
I have tried to find a service that does this, but the big ones that come to mind (Square, Paypall) don't seem to be set up for this.
Any suggestions of payment processing services would be appreciated. I am new to web dev – but feel free to be technical and I will figure it out.
Thanks.
PayPal is indeed setup for this. That's exactly what the sort of thing they introduced their Adaptive Payments API for back in 2009.
You can do what's called a delayed chained payment, which is where the buyer will submit the payment, and all the money will go to a primary receiver. The money will stay there until you trigger the release of money to any secondary receiver(s) you might have on the transaction.
You'll use the Pay API to create the payment, and then you'll use ExecutePayment to release the secondary payment(s) when necessary.
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i have to choose between several payment gateways. I heard that PayPal is quite a mess and there were several fraud-issues? Does some of you have experiences with PayPal?
Thanks in advance
I've used paypal for long time and had problems. Remember that Buyer is almost always right if you chose to work with them. Also you may get your account locked if you have unexpected amount of trx in a day. But yet, that is what most of the users use nowadays. I can only suggest you to call them and talk with them about what you are developing and what kind of sales volume are you expecting. You can reduce the risk to the minimum this way. Good luck
I have.
PayPal is, in my opinion, one of the best gateways around the world, if not the best.
Let me answer straight to your points:
"Quite a mess": actually not. PayPal's APIs are widely documented and PayPal offers you a sandbox mode to test your software with fake accounts and fake money to see if your software works or not (you might find, for example, your ecommerce application tries to deliver an order the customer didn't pay for after canceling the order, etc). I don't think this stands for quite a mess since you can perform deep software testing
Fraud issues. Let me tell you that Internet frauds occur often, and it's difficult (while not impossible) to protect from them. PayPal does a lot to protect both customers and sellers from frauds. Customers are mainly protected on eBay from fraudulent sellers, but sellers are protected from chargebacks too. If a fraudulent customer buys goods from your website, the chargeback protection applies. In all cases, PayPal might freeze part of your money during investigations.
By the way, PayPal as payment gateway enables your website to accept all credit cards, so you don't need to sign with another gateway.
Unfortunately,
PayPal is expensive IMHO. A little too expensive...
Tronic,
Pay pal is a Secure Transaction payment gateway used globally. Transaction is secured by VeriSign Identity Protection. It means your information is secure when you are going for the transaction. Paypal is easy to use and integration with programming language is very easy. Paypal provide a sendbox account for test your code once developed. Make sure you have to follow the terms and conditions for transaction with paypal e.g. transfer limit etc. For detailed information of integration, payment methods and creating sand box account visit to PayPal Developer
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What are the options to accept a credit card payment from an iPhone application? This will be a stand alone application, not an iPhone specific web site. Can I integrate with a payment gateway like Authorize.net? What about paypal or Google checkout? I know on some web sites, it will take you to a paypal site for the payment authorization - can this be done over http requests, instead of forcing the user to another website (which won't be available from the app)? Are there any security concerns with these payments from an iPhone as you can't install an SSL certificate?
I don't want to use the Apple micro-payments that will be available in the 3.0 release as there will be many small charges, and I don't want to give 30% to Apple each time.
Is this even possible, or will I need customers to create an account on my web site beforehand, pay with their credit card, and then have the iPhone interact with my database to get their available balance (the amount they charged through the web)?
I think that 30% is well payed...
No need to think about credit card fraud
No need to think about secure certificates
No need to think about server problems like downtimes
No need to thing about creating a nice UI and description of How to use
No credit card needed to buy as the user just need to fill up the iTunes password, so they can buy anywhere, everywhere
No need to spend a lot of time debugging and testing, the SDK is great and works like a charm if you just follow the documentation
And you can always add 5 dollars more to cover the 30% on what are you trying to sell.
Remember that if you have a lower price, you will have much more buyers and you can have much more profit that a few buyers with a higher price.
It's really quite easy to charge money with PayPal. It just depends on what kind of feedback you want from PayPal. See PayPal's Developer site for more info.
EDIT: I really should explain what I mean by "feedback".
When a user is sent to the PayPal site to pay, you can send him there using a fairly simple web-form (yes, a plain <form>...</form>.) If you only have 1 product, then this form can even be static HTML.
The tricky part comes after the user pays.
Option 1: Check you PayPal account manually for the payment. If the user paid, then you e-mail him, and send whatever you wanted to sell him. Easiest method, least amount of code. The downsides are that you'll have to do a lot of manual checking, and basically this is just a drain on your attention.
Option 2: Get automatic confirmation from PayPal in your application. Either by getting post-backs sent to an HTTP server by PayPal, or by actively querying the PayPal server for confirmation after waiting enough time for the transaction to have gone through. This means the user gets immediate feedback once the transaction is complete. You could even automatically send him the product! The downside is that such a solution is a lot more code.
Oh, and every time I said "PayPal"? All the services I just mentioned are provided by every credit-card authorization gateway I've ever seen.