I've found several conflicting views on the internet with regards to if this is possible.
I have a verified paypal business account and have added the legacy MPL into my company's mobile application. Using the express checkout to process a chained payment, the user is forced to log in and use their PayPal balance as the only form of payment.
There is no option to supply a credit card and pay directly. There is no option once logged in to pay with an attached credit card.
This is from the sandbox perspective, which has mock credit cards on each mock user account.
Can anyone, who knows the actual answer, if a chain payment with the legacy MPL with a registered verified business account supports guest checkout on mobile (Android in this case).
Thanks.
Yes, guest checkout is available with Adaptive Payments. I have a sample Chained Pay request setup here. Loading that you'll see the successful response which includes a RedirectURL. Copy/paste that RedirectURL into your browser address bar to load it and you'll see it sends you to PayPal, at which point this is what I see...
You can see it provides the option to either login and pay or just pay with a credit/debit card.
Related
We are using the adaptive payment API to setup a payment between 2 of our users. The receiver user has a paypal account, the source (the one who pays) doesn't. We don't use any chained or parallel payments just simple tranffer from A to B.
We'd like to allow the source to pay with credit/debit card. The problem is that in some cases its allowed, and in some it isn't.
We found this document about the subject but it looks outdated, since in the limitations section it says:
Cannot be made to a personal or un-registered PayPal account
I have a personal account and it works with that but with my colleague's personal account (different country) it doesn't.
Not available if the API caller passes an email address in the request
envelope.
This is very vague. Pass where? We use the email address in the pay request but it works in some cases.
Could anyone give some up-to-date info about this subject?
Guest payments are only made available to certain countries no matter which PayPal product you are using (PayPal Payments Standard, PayPal Express Checkout, Adaptive Payments). So if a buyer is in a country that requires a PayPal account, then they will only see the option to "Login to PayPal" or "Create Account" when they land of the PayPal checkout page. Unfortunately there is not a list of countires in our documentation to show which countries allow guest payments and which don't.
Here are my findings together with PP_MSI_Colin's answer:
Documentations
Guest payment - integration guide (UI is different now)
Guest payment - adaptive payment
Account optional settings
Requirements
Upgrade to business or premium account.
Make sure the email address is verified.
Make sure that on this settings page the Paypal account optional setting is ON.
Limitations, exceptions
In EU, this option is limited to 10 payments/card
In some countries (tested in Hungary) a personal account can also receive guest payments.
In some countries it is always disabled. No official list found.
Logic
Even if it is enabled for a user, it is up to Paypal if they show it or not. Where its enabled it also depends on the paying user. If Paypal finds (from cookies, etc) that the user has a paypal account they don't show credit card option. To test it try to pay in an incognito window. PayPal’s fraud prevention measures can also cause the guest checkout to not be displayed in certain scenarios
Limitations for making guest payments via PayPal adaptive payments are documented here:
Guest payments cannot be made to a personal or un-registered PayPal account
It seems to me that you can type in any random username/password combination and both the drop-in UI widget and the backend will accept it as a valid PayPal account. The payment will go through and everything.
Is there a way I can set Braintree sandbox to only accept real PayPal accounts?
Full disclosure: I work at Braintree. If you have any further questions, feel free to contact support.
The Braintree Sandbox allows you to pass any email address and password you like into the PayPal dialog, as mentioned in Braintree's documentation. You can test with the fake PayPal nonces found on the Testing and Go-Live page, but keep in mind, Braintree didn't actually design the PayPal sandbox for handling end-to-end tests. All PayPal transactions made in the sandbox use the same, fake PayPal account. Because of that, there's no way to configure your Sandbox account to accept real PayPal accounts. We recommend that when you go live, you perform a few low-value sale transactions with each of the payment methods you plan to accept, including PayPal.
You can test cases where the information in a PayPal account is bad in the same way you would test a bad credit card: use one of the fake invalid nonces from our Testing and Go-Live page. If your code is handling those cases correctly, you can be confident that it will be able to handle a PayPal account with bad information as well.
I'm using the PayPal express checkout in a mobile website. When a user uses the credit card payment and has entered the credit card information, the billing info page is opened. On this page there is a form: "Create a Personal Account (required)". Why is the PayPal signup required with a credit card payment?
It's important to remember that guest checkout is not guaranteed for every transaction. PayPal runs a risk check to determine eligibility for guest checkout. There will be times when guest checkout is not available. This is intended. Here are a few things to make sure guest checkout is offered as often as possible.
Verified PayPal account
Confirmed email address
Guest Checkout enabled
With Express Checkout your cart must pass "SOLUTIONTYPE=Sole"
If all of these are met and it's not available then our system has decided to disable the guest checkout option for risk reasons. This is not a permanent decision and it will be available in the future.
Express Checkout was never intended to function as a sole solution for merchants. It was meant specifically to process PayPal payments.
I have setup the express checkout process integration in asp.net mvc. When user is redirected to paypal website after submission, there is only option to login using paypal or sign up new account. There is no option to pay using credit card ?
Am i using right API for this?
By default Express Checkout is for PayPal accountholder payments; originally you would pair this with some other product for credit card payments (such as collecting the card information on your site and calling PayPal DirectPay or some other card processing partner).
PayPal also has several somewhat-similar products that collect the card information on their site (so you don't have to) and do that as well as accountholder payments; these vary in whether they end up giving you access to the credit card information (more flexible, but means you have to safely handle the card information and meet industry regulations, including vetting) or you do not ever see the card, just the money (simpler). This is often called some form of "guest checkout."
And eventually PayPal did add a guest checkout option to Express Checkout called "Account Optional." So you can use Express Checkout and get a guest checkout experience. See this link:
PayPal: express checkout pay without account
So in short you can get this from EC if you configure things for it, although some other PayPal products might be a better fit depending upon your particular requirements.
I hope that someone can shed some light on this.
We have developed with PayPal using Website Payments Standard, Website Payments Pro (DoDirectpayment).
There are several other methods like Advanced Checkout, Express Checkout, Payflow Pro, etc. What does each one do? Is there some place where one can see all of these and the differences between them?
To give you a quick and brief overview of some of the main differences.
Website Payments Standard - Uses HTML buttons buttons that you generate from your PayPal account, or you can use a 3rd party cart, or build your own. The buyer is basically redirected to the PayPal payment pages, to enter in their information. You have some control over the checkout flow but are limited in what you can control. There is no monthly fee for this services. The buyer is on the PayPal site when they complete the payment.
Website Payments Pro - There is a monthly fee for this service. With this service, you have full control over the checkout flow. The buyer stays on your site when they enter in their billing information. Instead of using HTML and redirecting the buyer over to PayPal, you will be using API calls to send the data over to PayPal and get a response back.
Express Checkout - This is usually used in conjunction with Pro or by itself. This allows the buyer to checkout with PayPal instead of using their credit card directly on your site. The buyer is redirected over to the PayPal site to sign in or to pay with a credit card. No billing information is entered in on your site. This method uses API call similar to Pro, and allows for some control over the checkout flow. You will have more control with this than you would with Website Payments Standard. The buyer will be back on your site when they actually complete the payment. There is no monthly charge for this service.
Payflow Pro - This is similar to Website Payments Pro. There is a monthly service charge for this service. You can either use the API's and keep the buyer on your site where they enter in all of the information and complete the payment. Otherwise you could also use the hosted checkout pages and have the buyer enter in their billing information on PayPal's pages allowing you to be PCI compliant. Also with Payflow, you can use your own processor as long as it is one that is compatible with Payflow. So don't have to use PayPal as your processor if you choose not to.
Hope this helps.