Hi everyone.
We have a customer, whose company is organized in multiple society, so they:
Have a "brand group name"
They have many stores in italy grouped in differents companies
We are trying to solve this situation:
When a customer buy on online store, the nearest physical store will be selected as the one who will sell and deliver the products (this part is already solved)
Depending on the store (and then the company who owns it) the payment method (the paypal or braintree account) has to change so, for example,
for shipping in location x will be linked to paypal / braintree account 1
for shipping in location y will be linked to paypal / braintree account 2
and so on....
Do u have any suggests on how to solve it?
We've looked for multiple braintree accounts management, changing the payment method ( or account) dinamically
but we didn't find a solution yet.
any suggest is very appreciated.
thanks everyone for reading and have a nice day :)
Related
I understand there are a number of account aggregators out there which allow businesses to get access to customers's transaction data (Plaid, Yodlee, Intuit Customer Account API, open to others...). I'd like to know which ones DO or DON'T also allow for:
Determining the DUE-DATE of a customer's credit card balance.
Making PAYMENTS across accounts and parties.
Response from Yodlee
1) Determining the DUE-DATE of a customer's credit card balance
Yes , Yodlee do provide credit card bill due-date though their API.
2) Making PAYMENTS across accounts and parties.
Yodlee does have a Bill-Pay product but it's not available to API customers as of today.
I've been working with a loan repayment API and ran into this issue as well with Plaid. For US banks only, it seems that there are three items you need for this system:
The bill due date (and amount) for the credit card
The banking information. At a minimum, a user's routing and account number (which Plaid can provide) and the credit card's banking information (their routing and account number for direct payments).
An ACH processor or US bank that will let you upload a NACHA file. This is the step that actually moves the money from one account to the other. Expect lots of compliance paperwork from the partner that you use.
It's a complicated world when you try to pay on behalf of a user. Outside of programming, get a good lawyer who knows bank law!
Response from Plaid (as of 9/22/2014): No/Not yet and No
"1) Within a customer's credit information, does Plaid provide their credit card bill due-date? what would be the appropriate call for that?
Currently no, but it's something we may add in the future.
2) Does Plaid offer anything by way of making payments or money transfers across accounts? (I'm assuming 'no,' but just want to confirm)
We do not, however we can help with the authorization of accounts for ACH & Wire transfers. Feel free to reach out directly for more information."
We are contemplating on using your services on the web app we are developing, We have following requirements.
Our's is a multisided services platform, an employer assigns a freelancer to do some job. Freelancer will create partial invoices until the full value of the job is realized. We sit as a middle man, and does the job of forwarding the invoice to employer and transfer the amount collected from the employer to the corresponding freelancer, after taking a cut.
1) We need to provide seamless integration on invoicing, The freelancer will use our web interface to create/send invoice. We will record the cost of the invoice in our database.
2) It is the employers prerogative, to decide when to respond on the invoice. Say, he responded after 10 days of receipt of the invoice. When the payment is made our website traps it and records it in the database.
3) When our web app come to know that a payment is made by the employer, we will transfer the amount (after taking a cut) to the freelancer.(adaptive payments).
I found out that chained payments is best suited for the scenario above.
What type of paypal account i need here to do the chained/adaptive payments? If it is Business or premier account , can i set up an account before legally registering a company for testing/sandbox environment? I am from India I see paypal registration form asking for the PAN number for company, which i don't currently have.
Thanks for your attention
Short anser: if you are not a business, use a premier account. That should be able to use all adaptive payments features including chained payments.
PayPal no longer distinguishes between personal and premier accounts (they used to carry different fee structures but that ended years ago), although some older features still may have blocks preventing access by personal accounts. Both types of accounts are expected to be owned by an individual. In contrast business accounts are expected to be owned by a business. Functionality should be essentially identical to a premier account except for details like personal vs corporate tax ID numbers & such.
I've been working on a minimalist e-commerce website where I am trying to leverage Paypal's Add To Cart and View Cart buttons for the financial aspect of this website. However, I found out if you are not a U.S merchant you are restricted on Paypal's shipping calculator by not being able to calculate shipping by weight and region.
I am looking for alternatives to making a full e-commerce site, where the users do not have to register or type in their personal information or charge a fixed shipping rate for products.
I am curious on what everyone thinks regarding the user experience of a user entering their zip/postal code into an input box and being presented with a total price by estimated shipping prices (from UPS' API, Canada Post's API), and calculating taxes by region for each product. Otherwise, offer an option for the base product price plus a warning that the shipping and taxes are pending without specifying their zip/postal codes. If you have any other ideas, I would be glad to read them!
Thanks for your time!
That's what I typically recommend doing...gathering shipping directly from shipping carrier API's and then passing those values into the shopping cart / payment integration accordingly.
Any PayPal integration you choose would allow you to pass those details in be it Payments Standard, Express Checkout, Payments Pro, etc.
We'd like to find a payment provider that lets us do something similar to Hailo, ie:
Users sign up and give us their credit card details/authorise us to charge their account. They only need to do this once.
In Hailo's case, users might take a cab journey at any time and be billed any amount (within reason). In our case, users might need a job done at any time, again with an invoice for an arbitrary amount.
So ideally we'd be able to charge users accounts at any time, for any amount, without further authorisation. This is possible because Hailo (and I believe Uber) have it implemented. However, I don't know if they use a third-party payment provider or rolled their own.
Something like BrainTree's recurring payments is close to what we want, but not exactly. We want to be able to bill at arbitrary times, not on a fixed schedule.
The best option we currently have is to use recurring billing, ie save invoices and then charge them all at once at the end of the month. This isn't ideal from a cashflow -perspective, though. Another option is to use GoCardless' variable billing, (you ask customers permission to bill up to £X per month), though from speaking to people it seems they'd be leary of that as it seems like an upfront commitment.
Can we do it our way? How do companies like Hailo and Uber do it?
We're in the UK, by the way.
In PayPal world - we call this kind of functionality as Reference Transactions - here are the 2 how-tos that would give you more info on how to implement reference transactions with PayPal accounts and direct credit cards:
Reference Transactions for PayPal users
Reference Transactions for Credit/Debit cards
You can also use our Preapproval functionality - which would give you delegated access to a PayPal account to make payments on behalf of them. Here is it's how-to.
Full disclosure, I work as a developer for Braintree.
Using Braintree you can create transactions at any time, not just on a recurring basis. In fact Uber is a Braintree customer. You would store the card in the Braintree vault and create a new transaction when you are ready to bill the customers credit card.
Braintree has recently announced an international expansion that will support merchants in the UK and other countries in the next few months.
From your description Authorize.net CIM will do the job - http://www.authorize.net/solutions/merchantsolutions/merchantservices/cim/
It's PCI compliant and let you store your customer credit card details with them and return a token for the customer. Then you can use this token to charge customer credit card whenever you need. Also their recurring billing facility would let you charge a fixed recurring charge if needed - http://www.authorize.net/solutions/merchantsolutions/merchantservices/automatedrecurringbilling/
DataCash will let you do this, amongst many, many other things. You just provide their 16-digit reference number in the XML rather than a card number.
(Note: I'm an ex-DataCash employee, and we use DataCash as a payment gateway at my current work.)
I think these are pretty close to being non-coding question, but it has everything to do with my current efforts to implement express checkout using paypal NVP API and X.com is absolutely garbage compared to stackoverflow.
So here's what I know, followed by some questions:
If you are a USA paypal user (which means - you have a USA Billing address), you can only set a shipping address to USA. Even if the website tries to force an international address via NVP during "SetExpressCheckout", it will ignore it and use a USA address within the users paypal account. If the user wants to manually put in a non-USA address, he can't - it's stuck to USA only.
If you are NOT a USA paypal user (i tested with germany & canada), you can have your shipping and billing be in 2 different countries. Instead of being locked in, there is a dropdown field allowing you to select a different country.
Questions:
1) Why is this for USA... but not for places like germany and cananda (what's the politics/laws/paypalpolicies)?
2) Does this mean that germany & canada is less protected by paypal than USA? I'm assuming the tigher requirements must mean that paypal has "safer" policies in the USA and therefore better protection?
3) My store is an international gift store, so the shipping & billing being in different countries happens 100% of the time. Can I turn off shipping addresses in paypal by making it a digital purchase, and when I do, am i still using paypal safely?
Thanks
1 and 2: Two words: Risk analysis. Another two words: historical data I'd imagine.
I don't have any idea of PayPal's inner workings when it comes to that, but I presume it's something along those lines.
3: Yes, set NOSHIPPING=1 in your SetExpressCheckout API call and a shipping address won't be collected. Note that you won't be eligible for PayPal Seller Protection in this case though.