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I am a new web-dev with what I think is a good idea. This idea requires handling payments.
I want to be able to accept a payment from user A, keep the payment for a set amount of time as an escrow, and then release the payment to user B's bank account after a set amount of time, and also charge a service fee, thereby reducing the amount paid to the bank account.. Occasionally, payments will need to be refunded to user A. I want to integrate such payments into a website.
I want this to happen automatically, without having to handle each payment myself.
I have tried to find a service that does this, but the big ones that come to mind (Square, Paypall) don't seem to be set up for this.
Any suggestions of payment processing services would be appreciated. I am new to web dev – but feel free to be technical and I will figure it out.
Thanks.
PayPal is indeed setup for this. That's exactly what the sort of thing they introduced their Adaptive Payments API for back in 2009.
You can do what's called a delayed chained payment, which is where the buyer will submit the payment, and all the money will go to a primary receiver. The money will stay there until you trigger the release of money to any secondary receiver(s) you might have on the transaction.
You'll use the Pay API to create the payment, and then you'll use ExecutePayment to release the secondary payment(s) when necessary.
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On some occasions our customers are reporting that their payments from their customers are being automatically refunded.
We've noticed that this seems to be increasing over time.
When the refund occurs sometimes the users are presented with an error message like "Sorry your payment could not be completed at this time, please try again later".
We are using an adaptive payment setup with multiple receivers (2 to be exact).
Has anyone had this issue, is it an integration issue, or any work arounds?
Also we're using the PHP sdk.
Typically this occurs when the some of the recipients are not able to receive funds.
Some scenarios I'm aware of:
A receiver account has an issue or restriction that prevents it from receiving any PayPal payments at all.
Primary receiver of the chained payment is a Mexican PayPal account, which due to local regulations cannot hold or use a balance to forward funds to the secondary receiver, and so the adaptive payment will always be reversed (no workaround, chained payments cannot be used to an MX primary)
A chained secondary receiver is in one of certain Caribbean and smaller island countries that requires some kind of auto-sweep withdrawal method
If your user isn't able to determine what's wrong by logging into their account and reviewing messages there, they'll need to contact PayPal's support to ask about the reversals. It could be one of the reasons above or some other account issue
But basically these are account or country issues that cause an error with part of the payment, not a programming issue.
And by default, Adaptive Payments have reverseAllPaymentsOnError::yes. This is a payment creation setting, and likely something you want to keep as-is
Adaptive is a legacy product and support ended for new integrations in Dec of 2017, so you will want to see if you can become a PayPal partner and move to something new like the Commerce Platform, https://developer.paypal.com/docs/commerce-platform/onboarding/partner-onboarding/
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I have a simple "pay now" PayPal button on my website. I also have a server listening for IPNs. The IPN handler basically updates the validity of my user´s account.
But what´s hard for me to do is the correct handling of the IPN.
The basic handling with the validation step is no problem.
But I also need to check and handle the transaction type and payment status.
In the PayPal docs there are many different values for different cases (express checkout and other stuff I don´t even know what it is). That confuses me because I don´t know which values are relevant for my case.
Does anyone know a good and simple tutorial or example of how to handle IPN?
(which goes a little bit further than how to receive the IPN)
The PayPal IPN Variables documentation lists all of the transaction types and the values you would expect from the different types of payments you could be processing. The descriptions next to each should give you the info you need about when you should be looking for one value vs. another.
So you said you're using basic Pay Now button, right? Based on the documentation this would send a web_accept IPN.
Payment received; source is any of the following:
A Direct Credit Card (Pro) transaction
A Buy Now, Donation or Smart Logo for eBay auctions button
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In my web application (spring mvc + jsp), I have to implement payment process which I will take the money of someone (i.e buyer), deposit to someone else (i.e seller), and keep a portion for myself (i.e commission). I would like the process will perform on my website instead of redirecting to paypal. I have tried to search for the service that I need, but after a while of reading it, I am very confused. I am thinking I may need some mix between Adaptive Payment or Website Payment Pro. However, I think that Paypal would also provide a service that I am searching for, but I haven't found yet. So would anyone mind to help me out of this confusion please?
In order to do the payment split as part of checkout you would need to use Adaptive Payments, specifically the Pay API with a chained payment. Unfortunately, you can't avoid redirecting the user to PayPal with this method.
If that's a must, then you'll need to go with Payments Pro, but then you can't do the split within a single checkout, and you can't split the fees up among the receivers. So you'll end up paying a fee when you receive the money, and then when you send the money there will be another fee there, too. Also, if you go that route you would be responsible for any chargebacks that occur, so this is simply not recommended.
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i have to choose between several payment gateways. I heard that PayPal is quite a mess and there were several fraud-issues? Does some of you have experiences with PayPal?
Thanks in advance
I've used paypal for long time and had problems. Remember that Buyer is almost always right if you chose to work with them. Also you may get your account locked if you have unexpected amount of trx in a day. But yet, that is what most of the users use nowadays. I can only suggest you to call them and talk with them about what you are developing and what kind of sales volume are you expecting. You can reduce the risk to the minimum this way. Good luck
I have.
PayPal is, in my opinion, one of the best gateways around the world, if not the best.
Let me answer straight to your points:
"Quite a mess": actually not. PayPal's APIs are widely documented and PayPal offers you a sandbox mode to test your software with fake accounts and fake money to see if your software works or not (you might find, for example, your ecommerce application tries to deliver an order the customer didn't pay for after canceling the order, etc). I don't think this stands for quite a mess since you can perform deep software testing
Fraud issues. Let me tell you that Internet frauds occur often, and it's difficult (while not impossible) to protect from them. PayPal does a lot to protect both customers and sellers from frauds. Customers are mainly protected on eBay from fraudulent sellers, but sellers are protected from chargebacks too. If a fraudulent customer buys goods from your website, the chargeback protection applies. In all cases, PayPal might freeze part of your money during investigations.
By the way, PayPal as payment gateway enables your website to accept all credit cards, so you don't need to sign with another gateway.
Unfortunately,
PayPal is expensive IMHO. A little too expensive...
Tronic,
Pay pal is a Secure Transaction payment gateway used globally. Transaction is secured by VeriSign Identity Protection. It means your information is secure when you are going for the transaction. Paypal is easy to use and integration with programming language is very easy. Paypal provide a sendbox account for test your code once developed. Make sure you have to follow the terms and conditions for transaction with paypal e.g. transfer limit etc. For detailed information of integration, payment methods and creating sand box account visit to PayPal Developer
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I'm running an classified ads website and I'm charging a specific fee for each ad placed. As you may know paypal charges a specific percent for each transaction + a specific amount fee (e.g 2,9% + 0.30 cents)
. I have customers who place about 30 ads per month therefore I would like to integrate a schema that would cut the specific amount fee . Basically I'm looking to make "pre-approve" call every time after the client place an ad to make sure that he has the money to pay and at the end of the month to cancel all the scheduled pre-approved transactions and make a single payment request with the whole amount. The question that I have is : Will I be charged for the pre-approved transactions that I cancel ?
I can't answer for the specifics of PP, but I would try to not go about it that way. Instead have clients pay in advance for a number of ads, at a suitable discount reflecting the fact that you're not paying the PP tax every time.
it seems that paypal is charging a fee for pre-approval requests .