I am facing an issue with the Paypal integration to my site which has been built using ExpressionEngine. I am using Paypal Express and Paypal Pro options.
Some orders are working fine, while some orders are facing issues related to Seller Protection.
It's showing the following information.
Seller Protection : Not Eligible.
We have no shipping address on file.
Payment Type : Website Payment Pro API Solution
Surcharge : Not Applicable
card Type : Visa.
Also, how will I be able to test and confirm the same?
Seller Protection is offered as a courtesy to sellers for PayPal transactions. These are non-pro, transactions that PayPal Processed through the PayPal Network. There are a few guidelines in play to ensure that you receive Seller Protection.
Below is a link to the full details for PayPal's Seller Protection Program
PayPal Seller Protection
Since all tangible items need to be shipped and proof of delivery (tracking number) needs to be provided to PayPal in order to receive seller protection, it is important for the shipping address to be provided to PayPal. All Express Checkout transactions for tangible goods should be passing this information to PayPal.
All PayPal Payments Pro transactions are not eligible for Seller Protection. All digital goods or non-tangible items (services rendered) are not eligible for Seller Protection.
The transactions that are stating they are not eligible for Seller Protection are most likely PayPal Payments Pro transactions.
Related
I have been building a marketplace application with an iOS app as front-end that drives the business. The app can accept payment either through a paypal account or a credit card. I have integrated Braintree iOS SDK into my app and linked the paypal business account in Braintree controlpanel. The funds processed using PayPal are being routed to the paypal and those processed using cards end up in the bank account linked with Braintree merchant.
Now, the core of the application is to take a certain commission and payout the rest to the sellers involved in transaction. I have taken the seller's PayPal ID at the time of registration to pay them.I have explored the PayPal docs and found that Payouts REST API does exactly what I need provided I maintain the required balance in the merchant account.This is where things came to a standstill. Specifically, I need to get confirmation on the below points
1.As there are two different places(paypal merchant and bank account
linked to braintree) where my funds are parked, Is there any
possibility that the transaction could directly be funded from the
bank account if the same is linked to both merchant accounts?
2.Will PayPal withdraw the entire amount at once or in partial
transactions.
Can anyone who have been in a similar situation suggest how to go about paying out the sellers. I am open to any alternative that satisfies all the requirements of the app.
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
At my company, an internet platform, we have a set up with Paypal adaptive payments allowing merchant across the world selling digital goods to local and international buyers, with a fee sent to us via adaptive payments.
According to PayPal's documentation at https://developer.paypal.com/docs/classic/products/adaptive-payments/
"You can use Adaptive Payments in any country where PayPal is accepted."
We have now had reports from potential merchants from both India and Georgia stating that they cannot make the connection to our service work with the PayPal accounts.
Am I missing something? Shouldn't it work with a simple PayPal account in these countries or do the potential merchants needs any special approval from Paypal or are there other prerequisites?
I am building a project that might be a bit complicated and I have to use paypal for this.
There are many users in the app and they can be receivers, payers or both. The receivers/sellers provide certain services and the payers have to pay their sellers monthly. So if the user agrees to pay, the paypal will charge him monthly and automatically. The users need to register as paypal member and get authorized from paypal beforehand so I can use their emails for the transactions in the app.
I am thinking of using paypal express checkout with recurring apis, but I am not sure if it is the right decision and no clue if it is working. Any suggestions? thanks.
You could use either Express Checkout, Subscriptions w/ Website Payments Standard, or Enhanced Recurring Payments w/ Website Payments Standard. Either one of these would allow you to set up recurring payments. Enhanced Recurring Payments is the only one that would have a monthly charge associated with it. Express Checkout and Subscriptions w/ Website Payments Standard would not have a monthly charge. However, Enhanced Recurring Payments allows the buyer to sign up for a subscription without having to have a PayPal account, and they can just use their credit card. Express Checkout and Subscriptions w/ Website Payments Standard require the buyer to have a PayPal account. They can still be billed via credit card, but they have to have the credit card attached to their PayPal account. The subscription would bill the PayPal account, and the PayPal account would pull the funds from the credit card on the account.
With a PayPal account, your users can receive or send funds based on the country these accounts are located in.
We are a UK-based marketplace site that wants to never force buyers to sign up for paypal. We allow users to set up customized stores through our site, and our second requirement is that these users be able to become sellers with only a basic paypal account. When a buyer makes a purchase, we are the primary receiver, taking 15% and passing on the entire paypal fees to the secondary receiver (user), as well as all the remainder of the transaction. My question is: What's the best solution paypal offers for this? It seems that chained payments would be, but if I understand correctly the Website Payments Pro system is the only one that guarantees that buyers outside the UK wouldn't need a paypal account. Is there a way to take the money in ourselves with Website Payments Pro and use the API so it transfers the 85% (minus the fees) to the user's paypal account?
It depends on what approach you want to take.
I would prefer Chained Payments as it allows guest checkout (credit card payments outside a PayPal account) with certain restrictions and will easily allow the user to receive the funds and automatically forwards the 15% cut to your account. This removes the need to collect funds outside of the payment flow. This means no invoicing or no lost dues!
Website Payments Pro only offers credit card payments however you would also need to offer Express Checkout for PayPal payments as well. You also have the flexibility of hosting the order form so you control what the users see. The downside is you'd have to collect funds from the user outside the payments. Such as monthly invoicing, billing agreements or manual processing.
Here is the criteria we use to allow guest checkout. Please keep in mind these are due to rules and regulations, not PayPal's choosing.
The credit card has a lifetime limit of 10 purchases outside a PayPal account
The user's email address must not be attached to an existing PayPal account
I don't have a direct answer for you but hopefully this helps make your decision.