Testing Paypal Credit with Express Checkout - paypal

I'm implementing PayPal Express Checkout and I'm having trouble testing out PayPal Credit as the payment method. When I choose it as the method of payment, the response comes back as ERRORCODE0=10486 which means "This transaction couldn't be completed. Please redirect your customer to PayPal." It works fine when using other methods of payment.
Does anyone know if it's possible to make test transactions with PayPal Credit? I haven't been able to find anything in the docs or google about it so hoping someone on here knows!
Thanks!

You have two options for testing.
You can test it with the PayPal Demo site, which not only demos from start to finish paying with PayPal Credit. It also has working sample code available.
I found that you can simulate a PayPal Credit transaction in a sandbox account. I tested it on one of my sandbox accounts. You have to login in to one of your sandbox accounts that is not the merchant account that you are testing. I put in demo info when it asked me to apply for the product. My sandbox account was approved.

So I was able to get it to kind of work (at least in the sandbox). The issue was that it seems like it didn't like me passing in:
"USERSELECTEDFUNDINGSOURCE" => "BML" (old version) or "USERSELECTEDFUNDINGSOURCE" => "Finance" (new version)
When I used this option it sent me to a page that looked like this: http://imgur.com/J1exMJb
Which is what I wanted as we mainly wanted to focus on offering customers PayPal Credit.
When you remove the USERSELECTEDFUNDINGSOURCE option it takes you to a page like this: http://imgur.com/0XOaTOL
If you choose change payment source on this page and choose PayPal Credit, the transaction goes through successfully.
It's not exactly a solution to the problem but hopefully this helps anyone who was also having a similar issue.

Related

Paypal Sandbox Configuration - Paymentbuttons: missing subscription option

I am trying to test paypal buttons on a website using a paypal sandbox merchant account.
According to the docs i should be able to create a Subscription Button but the option seems to be missing in my Account:
Docs:
https://developer.paypal.com/docs/classic/paypal-payments-standard/integration-guide/subscribe_step_1/
Since i couldnt find anything about this problem, i thought it might have something to do with my sandbox account settings. So i allready did the following:
Made sure the account is valid, has a credit card and banking information
Created a new account with some amount of balance
Tried to get a paypal plus subscription for the sandbox accounts (did not work)
Created the button by go to tools-> recurring subscriptions->Create Subscription Button (additonal options): Got redirected and again the option was missing
Is this a problem with my account ? And if so, what do I have to do to make it work?
Well i finaly found out that this is kind of a paypal problem. As you can see from the screenshot i have a german paypal account. And if you search the documentation you can find this:
https://developer.paypal.com/docs/classic/express-checkout/integration-guide/ECRecurringPayments/
Recurring payments cannot be created for buyers in Germany or China. In this case, you can use reference transactions as an alternate solution.
Im not 100% sure but i think this is the reason why i cant create a subscription button

paypal different pages - visa/debit payment not create account

Hi I have searched for this solution and although others have experienced the same problem I couldn't find a solution that works for my site.
My wordpress site mainly sells registrations/bookings for events and I'm using the s2Memberplugin to process the payments with Paypal. The problem is that when we direct the users/customers to the paypal page to complete the transaction which i want set up with the option of paying via credit/debit card if the user/customer doesn’t have (or doesn’t want to create one) a paypal account. That has been working perfectly except for when users/customers are using a variety of internet browser with various cookie settings so the user/customer get’s directed to a completely different page both in appearance and functionality from the page I want them to see. This incorrect page ‘requires’ users/customers to have or create a paypal account to make the payment, no option to pay via card is available. I tried calling paypal and of course they say it is something wrong with my site.
Over 20 days ago i lodged a support ticket with Paypal MTS (or whatever they are called) and of course no response. I have lodged about 5 more tickets and made about 10 more phone calls and they simply don't care about customers. That is clearly demonstrated when you ask to speak to the complaints section and they say "We don't have a complaints section'
Thanks very much, any assistance is greatly appreciated
I haven't been provided with any error codes, unfortunately - i did ask for them but nobody supplied them.
we just discovered that the payflow and IPN settings within my sites plugin were empty but i'm filling them in now but i have two questions:
The vendor, is that just my username for my paypal account? (why don't they just use the same terminology - confusing)
My s2Member plugin say's i'll need my IPN url (and then supplies a url, but whn i look at the IPN notification url within my paypal settings it's a totally different link. Should i be changing my paypal IPN url to that which is supplied by my s2Member plugin or am i getting two different url's confused?
Thanks for your help again mate.
If you're using Payments Standard this experience is cookie based as you mentioned. If you want to make sure the full credit card form shows up and allows people to pay with a credit card without creating an account you can use the Express Checkout API instead.
In your SetExpressCheckout request you just need to set SOLUTION=Sole and LANDINGPAGE=Billing.

PayPal Partial Authorizations Always Declined

Problem: I've implemented "partial authorizations" (pg 72) but whenever I try to run a transaction that could use it, the result is a decline.
Setup: I'm handling transactions with the API with PayPal Payment Pro Payflow Edition (aka, PayFlow Pro Gateway & PayPal Merchant Account).
Cards use in Transaction: Visa Gift Card & American Express Gift Card. This feature was made for gift cards and other prepaid products. Gift Cards are specifically cited in PayPal's documentation example.
Transaction Logs:
Here is the log for a declined partial authorization. The original amount requested is $25.00, even though this visa gift card only had $2.00 on it. I should have received a response with an approved amount for $2.00. Instead I got a decline.
-> PARTIALAUTH:Y TENDER:C ACCT:**** VERBOSITY:HIGH TRXTYPE:A EXPDATE:0618 AMT:25.00
<- RESULT:12 CARDTYPE:0 PROCAVS:G IAVS:N PROCCVV2:I EXPDATE:0618 RESPMSG:Declined: 15005-This transaction cannot be processed. LASTNAME:NotProvided ACCT:**** AMT:25.00 PNREF:************ AVSZIP:X AVSADDR:X HOSTCODE:15005 TRANSTIME:2012-12-14 12:43:04 CVV2MATCH:X
For comparison, when I run the same card for an amount that is less than what's on the card, it goes through no problem:
-> TENDER:C VERBOSITY:HIGH ACCT:**** AMT:.11 TRXTYPE:A EXPDATE:0618 PARTIALAUTH:Y
<- AMT:0.11 AVSZIP:X PPREF:***************** ACCT:**** AUTHCODE:111111 TRANSTIME:2012-12-14 12:41:46 LASTNAME:NotProvided IAVS:N PROCAVS:G RESPMSG:Approved PNREF:************ RESULT:0 EXPDATE:0618 PROCCVV2:I CARDTYPE:0 AVSADDR:X CVV2MATCH:X CORRELATIONID:*************
-> TENDER:C ORIGID:************ TRXTYPE:D
<- RESULT:0 PENDINGREASON:completed PNREF:************ FEEAMT:0.11 PAYMENTTYPE:instant RESPMSG:Approved PPREF:************ CORRELATIONID:*************
I believe the API calls should be and in fact are the same in both cases. The point of Partial Authorizations is that you don't know when you need it, so if you want it, it should be enabled for all transactions -- meaning you always append the two extra parameters of VERBOSITY=HIGH and and PARTIALAUTH=Y.
Any ideas why this isn't working. The feature is very important to my application and is one of the main reasons I'm using PayPal.
I hope I'm missing something simple, like a setting in manager.paypal.com.
From what I can see you're doing everything correctly. When something like this happens the only thing you can do is contact PayPal directly.
You can do so via www.paypal.com/mts or if you login to your PayPal account and go into the contact by phone section you should see a separate phone number for tech support directly.
I would recommend submitting a ticket to MTS and then also calling, but when you call, refer them to your ticket. They're going to want you to post one anyway, but if that's all you do it probably won't get answered for awhile, unfortunately. I've had good luck catching them on the phone, though, and can get things done much more quickly that way.
The only thing I can think of that might be an issue here is that you're using the PayFlow gateway with PayPal as your merchant. While the PayFlow gateway supports this, PayPal may not. It may only work if you're using a 3rd party merchant account on the PayFlow gateway.
That's something they will need to confirm or deny as I haven't specifically tested this myself, but again, I don't see that you're doing anything incorrectly.

PayPal Payments Standard Guest checkout

Im integrating an MVC4 website with Paypal and all has gone quite smoothly until now. However, when I click through, the buyer does not get the option to complete the purchase as a guest.
I'm using the Paypal HTML payments standard method and searched around and this page and Paypal itself said to make sure
'Account optional' was off in my profile. I'm in my sandbox profile now, but under 'website payment preferences' there is no such option. I just have:
Auto return for website payments
Payment data transfor
Encrypted website payments
Contact telephone no
Express checkout settings (just for german payment methods!)
Does anyone know where this setting is now?
The person I'm building the site does not want users to have to have a paypal account, so guest checkout functionality is required.
Unfortunately the Paypal website doesn't really help - searches for guest checkout turn up little.
Any help really appreciated.
Thanks
I'm having the same problem, I guess it might be related to your location or your customers location (Outside the US).
I have called PayPal Support and after about an hour of discussion they said something like that.
I hope that this is not the right answer (I hope there is some sort of setting we can do to change that, and we are just missing it).
also check that link it might help:
PayPal Standard not giving option for Check out as Guest
Make sure that the receiving account has verified status (eg, that you've linked it to a bank account).
Only verified accounts are eligible for guest checkout.
Another common pitfall is that you might have made a typo on the email address of the receiver.
Make sure it's the exact same one that's used to log into the PP account (or at least that it's associated, and confirmed to the account)
This topic forum is the best place I've found for a checklist of requirements to receive guest payments on paypal:
https://www.paypal-community.com/t5/How-to-use-PayPal-Archive/buy-now-button-requires-paypal-login-or-account/m-p/15587

PayPal Web Payment Standard: forcing PayPal account creation now?

Had a nice little custom button with a few parameters I was POSTing to PayPal (and getting POSTed back via IPN) a few years ago working fine. Payments were disabled for several years, but now my client wants to resume subscriptions with their new campaign.
I switched back to the sandbox hostname/merchant accounts, did a sandbox transaction with a test Visa card, and all was well.
Switched it to the live hostname/merchant account, went to do another test with a real Visa, but noticed that not only has the real PayPal site been completely rebranded/redesigned, they now seem to be forcing you to create a PayPal account: on the sandbox, there's a blurb with a link that says "continue" which takes you right to the credit card/billing information (this is identical to what the live PayPal site used to look like a few years ago).
NOTE: The merchant account has changed; I'm not sure if that matters or not and/or if there's any settings in there I need to change.
Question: is this the way it is now with PayPal? I can't seem to find any official information that says yes/no. Besides the Express, is there any other IPN method that'll work here or is this a policy thing at PayPal? I'd hate to rewrite my working/tested code, but this isn't going to fly with my client.
Yahel's answer is incorrect: I called PayPal, and they explained that the following conditions must be met in order to accept non-PayPal payments:
The business email address must be confirmed. You can check by going to Profile > Email.
PayPal Account Optional must be checked:
Go to www.paypal.com.au and log in to your Business account.
Click 'Profile icon' near the top right of the page (next to "Log out" button)
Click "Profile & settings"
Click ‘My selling tools.’
Click ‘Update' beside 'Website preferences.’
Select 'On' under 'PayPal Account Optional' near the bottom of the page.
Click 'Save.'
Yes paypal has been forcing users to create an account for a long time now. Before that you could use a credit card up to 10 times and then it would force you to create an account anyway.
The reason you are seeing the old branding in your sandbox is probably because it is you old sandbox on an old paypal server.
Last I tried there was no way around this new policy.
But djechelon is right, they have an excellent customer service, give them a call.
PayPal does force people to create accounts, even when they want to just make a single payment. I was puzzled by this situation too: I was choosing the option to pay without a PayPal account, but still was forced to provide all the private details enough for PayPal to create an account for me against my wishes. Very sneaky of PayPal! Then I found this page and that explained a lot.
This is the message I received in my PayPal Account:
PayPal Account Optional
When this feature is turned on, your customers will go through an optimized checkout experience. This feature is available for Buy Now, Donations, and Shopping Cart buttons, but not for Subscription buttons.
So you cannot provide a regular "Subscribe" experience to non-PayPal customers. I believe you must pay the $19.99 a month "Enhanced Subscription" for this.
PayPal Has a Purchasing Limit of $3,000 for "Guests".
I ran into this issue as well and #gravyface was bang on with setting your account preferences. However, my customers were still having issues paying without a PayPal account.
I called PayPal and it turns out they have a $3,000 (cumulative) purchasing limit for "guests". My customer's invoice was for $7,000 so even though my preferences were set to make the PayPal account optional, it still would not go through.
Hope that helps others.
JP