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.
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We found this document about the subject but it looks outdated, since in the limitations section it says: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
I've had an NVP integration running for a year, and it's been great.
However, PayPal have now changed the page my customers see and the new style forces a user to create an account.
My customers are older people and don't want to sign up for an account. Previously they didn't have to
Is there anything I can do to make this optional again?
Thanks
It's important to remember that Guest Checkout feature for Website Payment Standard and Express Checkout is not guaranteed for every transaction.
To control the risk for merchant, PayPal may close the guest checkout function for some special countries or districts buyers and the buyer will be asked to create a PayPal account.
If possible, please consider using the PayPal Payment PRO product line, where merchants can accept Credit Card directly within their own website.
I currently have a system in place utilizing the Express Checkout SOAP API to complete a customer's e-commerce checkout. Imagine a subscription service. I provide the option of a one-time purchase via DoExpressCheckoutPayment as well as the option to conduct application-triggered monthly payments via DoReferenceTransactionRequest (I wanted more control which is why I did not go the route of CreateRecurringPaymentsProfile). Now I would like to allow guest checkout, while also maintaining the ability to perform monthly payments.
In testing I:
Verified that guest checkout was allowed in the PayPal account UI
Set SolutionType = Sole
Set LandingPage = Billing
But I was unsuccessful in getting the guest checkout option.
HOWEVER, I noticed that by changing BillingCodeType from MERCHANTINITIATEDBILLING to NONE solved my issue. But if I changed the billing code type to none and checked out as a guest, the future monthly payments would fail due to not having a billing agreement.
I haven't found an obvious answer to my exact question but based on bits of documentation that I've found it's seeming like the billing agreement is required. Is that correct?
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.
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.