I sell digital goods that get send automatically when a transaction is complete and am using Paypal express, when a customer checks out to the Paypal page they have 2 choices:
login and pay with Paypal
Create a Paypal account and pay with card (I get so many chargebacks from this as anyone with a stolen card can create an account there and then! they don't have to wait 4 days to be verified!)
I've come up with a few ways to stop a transaction, does anyone know if these can be done?
If customer pays with card, the redirect code sends them somewhere else (error page) so that my code in the store doesn't see a complete transaction.
Is there a way to see if a transaction was made using a card, I think maybe on paypal pro, but will that info show up on my store, eg: IPN or would I have to log in to paypal to see it?
Is there an API out there that can see if a card was used and give my store the details, I would then have code like this: if payment type card then don't send digital goods, if payment type paypal then send digital goods.
Any help would be great.
Thanks
If I were you I would integrate Express Checkout into your system. It's free, doesn't offer credit cards and you have more control over the process.
If you want to offer cards, use Payments Pro and couple it with Fraud Management Filters, which would afford you considerably more control over what cards you accept and decline.
In both cases you don't need to wait for an IPN. The API call itself will directly return the response you need.
Related
I am a college student and I want to launch an online store for dropshipping. I am allowed to have one credit card, where I live, say Mastercard. But for the customers convenience I would like to enable VISA, Discover, Mastercard, American express, Debit card, and PayPal checkout. I know that there is a PayPal credit card that allows payments from all these cards but it requires a business license, which I am not allowed to have as a student. Is there a way I can receive payments from the above mentioned cards to a Mastercard? If there is a better solution to my problem I would like to hear it from you. Thanks!
When you set up an online store, you will also be signing up with a Payment gateway that will be collecting money on your behalf and transferring it to you. In this way, you will be able to set up your store to be able to accept any payment methods supported by the payment gateway(s) that you set up, and any money you make will be transferred from the gateway to the account that you registered with. This might be a credit card or directly to a bank account depending on what the gateway supports.
Using a trusted payment gateway (such as Stripe, Braintree, PayPal, Authorize.net, etc.) will let you focus on your store and not have to worry about accepting credit card information directly, and you will get your earnings transferred to you regularly in a form that you can accept. Note also that taking credit card info directly comes with a host of security concerns and regulations. By using a payment gateway you will never see anyone's credit card info directly, so you won't have to worry about all the security and legal concerns surrounding that. The gateway companies make their money by taking a small transaction fee for each purchase, but this fee is definitely worth it to get your business started.
I am making a system in which user permits pre-approval of amount. I've used pre-approval with chained payment. But the problem is that my customer gets redirected to PayPal site and also he/she must have a PayPal account or need to create one. So can i make pre-approval payment using PayPal website payment pro? So my customers will not get redirected to PayPal account. And the process becomes more fast? Note :- I don't want to use authorization and capture method. Thanks.
Edit
One more question :- If i make the website in the UK and the currency in GBP, can I still use the American Paypal account for this?
Auth and Capture is what you're asking for, but then you say you don't want it..?? That's what gives you the functionality you're after, though.
You could do a $0 auth and then run DoReferenceTransaction when you're ready to process the payment as opposed to capturing an actual auth if you want.
Those are your only options when working with Pro, though, and it would give you the same sort of preapproval experience for the buyer.
Here are the steps to accomplish what you're after.
Use DoDirectPayment to run a $0 Authorization (card verification). Users will enter their credit card details directly into a form on your site without any redirection to PayPal (and without any knowledge PayPal is being used at all unless you notify them some way.)
Save the transaction ID that you get form this card verification into your transaction history for the customer in your database. This ID is what will be used to process future payments using that credit card.
When you're ready to process a payment for this customer, pull the ID out of the database and use it with a DoReferenceTransaction request to process any amount you need to.
So the card verification is your preapproval, and then running reference transactions are the same as running Pay requests with a Preapproval key. Both methods accomplish the same thing, but one is with direct credit cards and the other is not.
If you're using PHP you can use this PayPal PHP SDK to make all of the API calls very quick and easy for you. If you're using some other language then there are SDKs available for those as well I'm sure.
Please correct me if i am wrong, #Andrew Angell #Ved Pandya
Auth and Capture or Capture payments later method allows you to do direct payment, but it comes with additional charges, which might not suitable for crowdfunding model as refund/ cancel payment is very frequent
Auth and Capture: You are required to pay $0.30 for each "Card Verification Transactions"
Capture payments later: You are required to pay $0.30 for each "Uncaptured Authorization" that you triggered
https://www.paypal.com/us/webapps/mpp/merchant-fees
We are Making a App in which We Take Payments from Customers and Give Them Points
same like Customer can give Points to Us and Take Payment . This is a Game
is there any payment Gate Way That Directly Paid Customer in his/her Credit Card
we want Payments Direct Credit Cards To Credit Cards
we will take customer credit cards when he will signup or later when he will give us points for Payment
Any Suggestion will be Appreciated
For PayPal, look at the following.
DoReferenceTransaction - This will allow you to hit somebody's credit card to process an amount without authentication so long as you've done a prior Authorization or Sale using the same credit card. So you could have people run an Authorization on their card just to ensure it's good and get a transaction ID that you can use in future DRT requests.
DoNonReferencedCredit - This will allow you to load funds onto a credit card without referencing any previous transaction (so it's different than a refund.) Keep in mind that when you send somebody money this way you won't get refunded fees like you would if you used the actual RefundTransaction API, so you may want to consider that.
You'll want to go through the detailed documentation for Reference Transactions, of course, to get a good understanding of it.
You'll also need a Payments Pro account to be able to process credit cards directly and utilize these features.
If you happen to be working with PHP I'd recommend using my class library for PayPal. It'll make the API calls very simple for you.
I working on an e-commerce site where I need to do something like this.
When the users is on payment page, he should be doing the following things:
- pays a fee
- authorize the payment of an amount (which could vary, but not with a big amount...)
Up to here, everything goes find with PayPal Direct payment system.
But I need more. I need that the authorized amount at some point to be directly charged by another seller (or transferred)
Any chance I can do this with PayPal Direct (such the the payment would still be made in site)? Or is there any other method?
If you're receiving the money via DoDirectPayment you could use MassPay or Pay to send funds to a 3rd party. If you want the split to happen within the original payment you can use Pay by itself and set it up as a parallel or chained payment. See the Adaptive Payments documentation for more details on that.
(Disclaimer: I am employee) Balanced will work for your use case
capturing cards directly without sending user to a third party site
paying out to a merchant of your choice via ACH payout at a later point in time.
The caveat is it's US only so if your outside the US let me know and I'll see if I can find any other options for you.
I need to allow users to pay via Credit Card on my site. I'm trying to find suitable API option but can't find it. I have implemented payment via PayPal so far, but now I need to allow users to pay via credit card without account on PayPal.
Anyone knows what specific payment type that is?
Here is one way:
First, you'll need a Website Payments Pro merchant account with PayPal. Then, become familiar with the DoDirectPayment API, which will allow you to
process transactions on your site with PayPal working in the background. Customers will be able to fill out their credit card information, etc., on your site without visiting PayPal directly.
This also means that customers will not be required to have a PayPal account in order to make a transaction on your site.
If you proceed this way, you will need SSL certificates, and are required to implement Express Checkout for customers who do not want to make their transaction on your site.
Sample Code to get your feet wet. Good luck!