as the questions implies, I am in the process of deciding on a payment gateway solution for an online financial service. The gateway should allow customers to pay using prepaid cards without providing a phone number, address, legal name, etc. Ideally the gateway will also allow instantaneous access to cleared payments, but this feature is less important. Will PayPal meet either of these requirements when using the REST API and the direct payment system? I was unable to find a concrete answer in the documentation. If not, are there any competing payment processors which offer support for charging prepaid cards without identify verification? Thanks in advance.
As of now, no U.S based payment processors allow processing prepaid cards without some form of identifying information about the customer, and PayPal is no exception. However, a representative from PayPal mentioned that a feature allowing anonymous payment has been requested by many merchants and is in development.
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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
I'm a software developer working on a homeschool registration website. I have a use case I'm not sure PayPal Invoicing can handle.
The scenario: I have Families and Teachers. Families select a number of classes and checkout. At time of checkout, I want to generate (what I think of as) an invoice to the Family. I want the invoice to request the family to pay the teacher(s) for the selected classes. I do not want to collect payments myself and redistribute payment to teachers - this raises too many issues about contractors/employees. Payments need to take place peer to peer, Family to Teacher(s).
When payments have been made, I would like a notification for each item on the invoice (a teacher being paid) at which point, I can lock in the enrollment of that family in the class, as it has been paid.
So, is this something PayPal Invoicing can do? I want to emphasize that I want the family to receive a single request to pay multiple teachers, not multiple requests to pay a single teacher. And, all families and teachers are assumed to have PayPal accounts.
Also, I saw that pricing is 2.9% + $0.30. Does the recipient of the invoice (the family) pay this, or does the organization issuing the invoice (the homeschool) pay this? The homeschool is a non profit. Can this be done without fees?
Thanks!
The transaction mode on your platform is a peer-to-peer / marketplace payment flow, so you may want to implement PayPal Adaptive Payments instead of Invoicing service.
As the platform/APP owner (API caller), you would easily manage the transactions with these implementations:
Adaptive - Parallel payments to fullfill the payment request (one to many) from family to teachers
IPN (Instant Payment Notification) to handle the transaction call-backs, your back-office program will be able to lock in the enrollment of that family in the class, based on the payment call-backs.
Adaptive Payments will support flexible fees payer, so that you would be able to set either the family or the teachers to bear the cost
See the overview & technical instructions at the PayPal Developer Site as an intro, and obtain the SDK per your programming language at HERE
The Invoicing API isn't what you want.
What I would recommend is an Express Checkout integration setup with Parallel Payments. You won't have to mess with Permissions if you do it that way, and the individual amounts can go directly to each teacher (receiver) on the transaction.
If you happen to be working with PHP this PayPal PHP SDK will make the Express Checkout Calls very simple for you.
Looking forward for PayPal's new RestAPI.
We have already started building and finding cool things as we go. Since its an on going process of releasing features it is still not clear sometimes what is supported and what is not. I am listing down my doubts for what is supported for Non-US developers.
Merchants cannot accept payments by taking credit card number.
Subscription / recurring payment possible?
For Pay with PayPal method, does Paypal offer to accept payments form non Paypal users? Like pay directly using card on Paypal page?
Do mention if I missed anything.
To register for a Live set of REST credentials you are required to provide:
U.S. Business owner Social Security Number, date of birth, and other personal details.
U.S. Business Tax ID (EIN, ITIN) and other business information.
Subscription / Recurring Payments are not yet available through the REST process. There are Reference Transactions allowed through "Vault" though.
There isn't an equivalent to "SOLUTIONTYPE" for the REST process yet but hopefully soon.
We currently use the Website Payments Pro recurring billing solution from Paypal for a SaaS web application (user signs up for a monthly billing subscription to our service) but are becoming increasingly concerned that all of our credit card data is 'locked in' to Paypal and we can never get access to it.
The ideal for us is at the point of signup to store a users credit card details in a third party system (vault) whilst processing the transaction through Paypal's Website Payments Pro billing solution. This would give us the freedom to change our payment processor without having to ask everyone of our users to re-enter their card details - storing payment details in a third party PCI compliant system would allow us to do this.
Does anyone know of any such solutions that would allow us to store credit card details without transacting against them and whether these would be available to UK based companies ?
Thanks - appreciate any help you can give.
Mike
PayPal now offers such a service
https://developer.paypal.com/webapps/developer/docs/api/#vault
I found that Briantree.com offers that service
I'm not aware of anything that does this (but would love to hear otherwise). The reason it doesn't exist I would assume is because 'my' PCI-DSS requires that any third party that I pass card details to is also PCI compliant.
Therefore, this 'vault' provider would only be able to return to you a full card number if you were fully PCI compliant (and if you were, then why would you need to use a 3rd party vault?!)
So the best you could optimistically hope for is a 3rd party that both vaults the details and also allows interaction with 'n' other payment gateways, but this would obviously only allow you to switch between gateways that the vault supports. Given that the 'vault' would need to generate income, as well as the gateways that it communicates with, I can't see this being cheaper than choosing and interacting with a single gateway directly.
I am trying to use the Recurring payment API offered by PayPal.
I have a scenario which I am not able to address directly. It goes like this.
We have a website where we sell some services. Now the services are charged per user license. A user can buy/cancel user license in between. We want to offer the customer a recurring billing option. We have to notice here that the amount may vary each billing cycle based on the number of user licenses the customer uses during that cycle.
Is there any way I can achieve this using PayPal recurring Payment API's.
I realize this is a very old post, but it still shows up for Google searches, so I thought I'd add:
Paypal does allow you to do this now, using their new adaptive payments api.
Authorize.net also has a service that might work called Customer Information Manager.
The recurring payment option is a fixed amount that the customer pre-agrees to pay each month (or period). To do what you're trying to do, a customer would have to pre-agree to pay whatever amount you decide to charge at a later time. This means pre-authorizing an unknown payment amount, which will not be allowed by any payment service.
Your only options are:
Bill the variable amount each month (i.e. no subscription).
Set up a subscription where the monthly amount is the maximum that could potentially be billed, and then refund the difference each month.
Good luck with #2 - I would never agree to such a thing as a customer, personally.
What you're looking for is covered in the UK by the Direct Debit system, however given the potential for abuse it's very tightly controlled and there are a lot of restrictions and regulations governing it.
I'd strongly suggest you just set up a monthly invoicing system that just bills the client each month.
I don't know its meaning full or not as it is a very old post.
Instead of creating recurring profile on PayPal Server, You can store the customer's credit card on the PayPal using REST API: https://developer.paypal.com/docs/api/#vault then every month you can fetch it and charge it like recurring Payment Or When client is no longer with the services then just remove its card from PayPal.
I suppose Authorize.net SIM method also does the same.
Hope this make sense.