Is it possible to send a payment through PayPal, where the payment originates as an ACH payment, and then is sent to a PayPal account holder, without having to originate the payment from a PayPal account?
Put differently — we would like to send a payment to a PayPal account holder, without first having to pull the money into our own PayPal account. We process payments via ACH, and we'd prefer to not have to deposit the funds into our PayPal account before transferring them to the destination PayPal account. We'd prefer to be able to deposit them directly into the PayPal account.
Is that possible?
The only way to do that would be to have a 3rd party user add your bank account to their PayPal account so they could submit deposits directly into their PayPal account from your bank. I'm guessing that's not what you're after.
If you simply submit a regular PayPal payment, though, while it will technically flow through the PayPal account it would go directly to the receiver's PayPal account instantly as long as you have a credit card associated with your PayPal account. This is much faster than ACH and protects your bank account details from receivers as well, so that's really what I would recommend anyway.
The only disadvantage I can see to having it flow through PayPal is may an additional entry for your accountant to deal with in the books (transfer from bank to PayPal, then payment from PayPal to vendor) but that is not a very big problem. The advantages far outweigh that in my opinion.
Related
Sorry if this question is stupid, but:
Why we should use web-hooks for payments if paypal responds with correct statuses and information about payment, payer, sale etc. when we create payment via REST PaymentAPI. The same with payouts. Probably I don't know something?
The user (purchaser) has the option of using funds from his/her PayPal wallet (PayPal funds), linked credit card(s), or linked bank account(s). Just because the payment has been executed does not mean the funds have been transferred, especially in the case of linked bank account(s). Funds from a checking account, etc. can take several days to transfer.
I have create an application in paypal sandbox account. I want to do when some of the user click 'transfer money' button, then paypal transfer money from my account to user's account (Note: we have user's email id).
So, it possible to transfer money without authentication to paypal account something like offline access method.
Thanks in advanced.
What you want is a billing agreement, where the user authorizes you to make payments against a PayPal account in the same way you would debit a bank account or credit card. Billing agreements are typically set up in the same way Express Checkout works, but you will be provided an ID to refer to when you need to make payments.
A Billing Agreement allows a seller to charge your PayPal account when you purchase goods from them or use their service.
An example of this would be an agreement to pay eBay seller fees for listing items on eBay.
I was wondering, under PayPal chained payments if I could be a secondary receiver and not receive paypal disputes?
Let me explain more:
Say I have a buyer and a seller and me.
I want the buyer to buy directly from the seller who will have a paypal account and automatically I will receive some commission from that payment. However, I do not want to be the one the payment is made to as I do not want to be involved in disputes so I was wondering if there is a way to do this?
Sure. Have them authorize your API user ID to run calls on their behalf. Then you pass their primary email address as an argument in your calls and do your chained payment. You still get paid but they would "own" the payment. The downside is that if they lose the dispute, I bet they deduct form your account too...
I want to know if there is any fee to make Implicit payment using adaptive payments to other paypal accounts in the same country.
User can buy product from my app using Credit Card through a third party gateway or paypal.
2nd part of my application will distribute commission to multiple merchants who also have paypal account of the same country.
From what I understand its free to send money from senders paypal account in this case the api owner to another registered paypal account of the same country.
Is my assumption correct ?
Hussain
There is a parameter in the Pay request called feespayer that you can set to specify who pays the fee on a payment. Possible values are SENDER, PRIMARYRECEIVER, EACHRECEIVER, and SECONDARY ONLY.
See the Pay API reference for more details.
I am building a project that might be a bit complicated and I have to use paypal for this.
There are many users in the app and they can be receivers, payers or both. The receivers/sellers provide certain services and the payers have to pay their sellers monthly. So if the user agrees to pay, the paypal will charge him monthly and automatically. The users need to register as paypal member and get authorized from paypal beforehand so I can use their emails for the transactions in the app.
I am thinking of using paypal express checkout with recurring apis, but I am not sure if it is the right decision and no clue if it is working. Any suggestions? thanks.
You could use either Express Checkout, Subscriptions w/ Website Payments Standard, or Enhanced Recurring Payments w/ Website Payments Standard. Either one of these would allow you to set up recurring payments. Enhanced Recurring Payments is the only one that would have a monthly charge associated with it. Express Checkout and Subscriptions w/ Website Payments Standard would not have a monthly charge. However, Enhanced Recurring Payments allows the buyer to sign up for a subscription without having to have a PayPal account, and they can just use their credit card. Express Checkout and Subscriptions w/ Website Payments Standard require the buyer to have a PayPal account. They can still be billed via credit card, but they have to have the credit card attached to their PayPal account. The subscription would bill the PayPal account, and the PayPal account would pull the funds from the credit card on the account.
With a PayPal account, your users can receive or send funds based on the country these accounts are located in.