The PayPal Credit (formerly BML) overview page says the following:
How do I select PayPal Credit as my payment source?
There are two ways to choose PayPal Credit. Some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. If you don’t see a PayPal Credit option, check out with PayPal, and then you’ll have the option to select PayPal Credit as your payment method. Either way a window will appear on your screen where you’ll provide your date of birth and the last 4 digits of your Social Security number, and then agree to the terms and conditions. Approval takes just seconds and you can complete your purchase.
I've tried several sites, and in some of them PayPal Credit appears as an option when you check out with PayPal (see Nordstrom, for example). In others, the PayPal Credit option does not appear (see KitchenAid). What parameter needs to be passed in the PayPal API for the Credit option to show up? I checked the PayPal button creator page, and there's no option to add PayPal Credit.
I realize this question is old, but the PayPal documentation is awful so this should save people time.
If you're using the PHP SDK you can set the PayPal credit to be the default payment with this method.
$payer = new PayPal\Api\Payer();
$payer->setExternalSelectedFundingInstrumentType('CREDIT');
The JSON for it is this
"payer":{
"payment_method":"paypal",
"external_selected_funding_instrument_type":"CREDIT"
}
If your account is eligible and enabled for PayPal Credit, you can use this parameter:
USERSELECTEDFUNDINGSOURCE = BML
in your ExpressCheckout API call.
Related
I have two different systems set up to use Paypal Express, both use the same account.
On system A after the customer is directed to the Paypal website, they have two options, 1 to log into their account, the other to "pay with a credit or debit card". See picture
On system B at the same stage the customer doesn't have this option.
Does anybody know what the setting or config item to control this is? As said we've got different integrations connected to the same account so I don't think it's a setting in the Paypal account its self.
Express checkout was originally designed to compliment a merchant's existing credit card options with the option to pay with PayPal by logging into their account. By default the feature in question doesn't exist. An additional parameter must be sent to PayPal with the SetEC call: SOLUTIONTYPE=Sole. If you are using a 3rd party shopping cart it's possible the cart doesn't support the feature.
Can I improve user experience, e.g. show product description, and highlight "Pay using your credit card", with simple Paypal buttons?
I offer a paid service on my website, with monthly subscription, fixed amount each month. I don't need the user's address, and there's only 1 "product".
Currently I created a simple "paypal button", which works fine, but I want to improve it, and possibly make it even shorter, but didn't find out how to:
highlight "pay with credit card",
I don't want to force users into logging into their paypal account (users with paypal account get error: "You cannot use an e-mail address or card number that belongs to an existing PayPal account")
show the user the product details/descriptions as in the picture:
Although I'm a programmer, I prefer not to use any API calls, especially since it doesn't seem to be necessary in my simple case.
How can I add these elements?
Is there an option with paypal to send users directly to a credit-card payment screen?
You'll need to switch to the Express Checkout API to show item details and force the credit card option. Even then, though, if the user has the credit card added to a PayPal account they're going to have to sign in and pay that way rather than use the CC form. Also, if you're working with recurring payments they'll need a PayPal account anyway.
The only way to avoid that is to sign up for PayPal Payments Pro so you can tie the credit card form directly into your website with no redirect to PayPal at all.
You'll need to enable Recurring Billing on Pro, too, after it's approved and enabled, and then your users can choose to sign up with PayPal (where you'd use Express Checkout) or Pro (where they'd enter a credit card directly.)
If you're really that set on not using API's you could apply for Enhanced Recurring Payments for Payments Standard, but I haven't fully tested that to see about passing order item details to the review pages.
I have a few questions regarding using PayPal.
The first image is from an existing website, while the second is from a sandboxed Express Checkout test.
Differences between the two:
On the left side, there is an item description and quantity.
On the bottom right, notice it is Pay with my Credit Card instead of Create a PayPal account.
How do I achieve 1. and 2.? What APIs do I use?
Take note that my site has potentially many items for sale, and it is impossible for me to manually create buttons for each one.
Edited: Ok I just found the answer to 1.: https://developer.paypal.com/webapps/developer/docs/classic/express-checkout/integration-guide/ECCustomizing/
For 2., the existing website actually prompts for details such as name, and address before redirecting to the PayPal site. When I click on "Pay with Credit Card", the details input earlier do show up on the PayPal form. I also notice the existing site can accept direct credit card payments, which seem to me it is using at least a Payment Pro solution. Is that why it can achieve 2.?
How do I achieve that? Do I use the AdaptiveAccount API to create an account on behalf of the user?
In order get the credit card section to display by default instead of the option to pay with a PayPal account, you need to pass over to additional variables in your SetExpressCheckout API call.
SOLUTIONTYPE=Sole
LANDINGPAGE-Billing
I have a website which is using PayPal Express Checkout as a payment method.
It was working for 2 years without a problem but yesterday I noticed that the payment options are changed before there were 2 payment option presented to the user
Login and pay with PayPal account.
Do not have PayPal account pay by credit/debit card.
But now the second option is replaced by Create a PayPal account. There is no option to pay without having a PayPal account.
I have not changed anything.
Anybody knows why the Pay by credit/debit card is gone.
First make sure in your Paypal/Sandbox account the PayPal Account have
Optional: ON
Go to -->
PayPal account's Profile -> More Options -> My Selling Tools -> Website Preferences screen.
And then set SolutionTypeType to Sole while making request for setExpressCheckout this will enable the option to Pay with your debit or credit card.
And you are done :)
What I know is earlier when you pay with credit card on paypal using express check out API it also create an account for that user and let user process different things like link bank account with paypal or credit card payment.
It is default behavior of paypal express checkout according to their new View
PayPal displays different options for Express Checkout depending upon the COUNTRY selected (it will detect your IP address and set the country if no country is passed to the page). eg Indonesia (etc) forces you to create a Paypal account whereas USA (etc) does not (and provides other options).
I'm using PayPal Website Payments Standard. Whenever the user lands on PayPal with the variables I sent, it shows a PayPal Login form and at the bottom it shows "Don't have a PayPal account? Use your credit card or bank account (where available)."
I want it to default to always ask for credit card and maybe say "Have PayPal? Use that!". Any ideas?
I've struggled with this question and found the answer following Roberts comment about using LANDINGPAGE=Billing in the ExpressCheckout API.
From the page:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_nvp_r_SetExpressCheckout
LANDINGPAGE:Type of PayPal page to display.
It is one of the following values:
Billing – Non-PayPal account
Login – PayPal account login
Additionally see:
SOLUTIONTYPE: Type of checkout flow. It is one of the following values:
Sole – Buyer does not need to create a PayPal account to check out. This is referred to as PayPal Account Optional.
Mark – Buyer must have a PayPal account to check out.
NOTE:You can pass Mark to selectively override the PayPal Account Optional setting if PayPal Account Optional is turned on in your merchant account. Passing Sole has no effect if PayPal Account Optional is turned off in your account
Hope this helps.
On a thread in the PayPal Developer Community they explain it with cookies based visits to the checkout page.
Basically if PayPal detects you being a user and spots their cookie, they will show the login form by default.
If they can't see that cookie, then they will show the credit card option first with a note that if you already have a PayPal account, to log in.
So the answer is no.