How can I verify credit card without using any payment gateway? - paypal

I have a shopping site. According to requirements, I need to give two options--PayPal payment (if user has PayPal account) and debit/credit card payment. Even if PayPal allows payment for users who don't have a PayPal account, I don't want them to do payments through PayPal. Instead, is there any direct payment for Visa/MasterCard?

PayPal Payments + Direct Credit Card Acceptance is available as part of the new REST APIs as well as the Express Checkout APIs.
Please use any of these products (suggest REST API).

Related

Can I create a Billing Agreement with credit card (without paypal account)

As per the subject. Does my customer MUST to have paypal account and login to his paypal account in order for me to create a billing agreement, or I can use credit card as payment method for a billing agreement?
I am working with REST Api
Thanks
It is possible.
An example of the API is here: https://github.com/paypal/PayPal-NET-SDK/blob/develop/Samples/Source/BillingAgreementWithCreditCard.aspx.cs
Subscriptions (recurring payments) option for direct payments needs to be also enabled in merchant paypal account. I had trouble with it but messaged paypal and they enabled the feature for us.
So tested and working now.

PayPal recurring subscriptions with credit card payments

In my website I have integrated PayPal subscription. There client redirects to paypal site and do the payments and return to my site, it is fine. But my client wants to accept credit card payments, in current implementation users need to create paypal account in order to do credit card payments. As per my finding on the web we can do recurring credit card payments in following ways.
Collect credit card detail and store on paypal side and perform transaction when we need using a token. But this method supports only in UK and US
https://developer.paypal.com/docs/integration/direct/rest_api_payment_country_currency_support/#direct-credit-card-payments
Collect credit card details and create recurring payment profiles via API. But this method possible only in US,UK,Canada only
We can do credit cards payments on PayPal site(without paypal account) with their Enhanced Recurring Payment service. It is not free($19.99/month)
My client is in France, So in my case only possible option is 3. Am I correct? Is there any other way to do it.
Unfortunately, none of the option is available for France Merchants to process direct credit card payments.
The option 3 Enhanced Recurring Payment(ERP) is available for US,UK,AU and CA.
No, for France Merchants there is no way to accept direct credit card payments, only way is you can turn on "account optional" feature in paypal account and increase chances that buyer could pay with credit card along with PayPal with Website Payment standard or Express checkout

paypal adaptive payments guest implicit payment

Hello,
When calling Adaptive payments PAT API call i Would like to supply a credit card (or vaulted credit card) in an adaptive payment without redirecting the guest account to paypal - since our user has already supplied to us his credit card prior
I have been looking into the documentation and this doesn't seem supported - why? and is this planned to be changed anytime soon because this might make us reconsider PAYPAL as a provider (in payments pay API call you are allowed to supply CC)
Thanks
Adaptive Payments APIs only support payments with PayPal Accounts. they do not support direct credit card payments. Also, Vault is only compatible with the new REST APIs - with saved credit cards in Vault, you can only use the new REST payment API to process the payment. here is the how to guide for that: https://developer.paypal.com/webapps/developer/docs/integration/direct/store-a-credit-card/
The REST API only supports transactions from a stored credit card in Vault to a business PayPal account,
What we need is P2P, we need a way to perform transaction between a sender (a stored credit card in a Vault) to receivers (other PayPal accounts),
Just like what the Adaptive Payments API,
Is there a way to achieve that? if not are there any workarounds?
Thanks.

Paypal Express Checkout Subscription using Credit Card Payment

Question:
Is it possible to set up a subscription via Paypal api Express Checkout, so you can pay via Credit card and Paypal login. The Paypal login works no problem, but I can not get it to work with credit cards at the moment.
I have set the NVP SOLUTIONTYPE = Sole
I know you can set up a paypal subscription button, but the client want to sell a product (single payment or instalments) and add a subscription if user wants to sign up.
Many thanks for any help.
Llewellyn
UPDATE:
For anyone else who has this problem I got this response back from Paypal:
With subscriptions and Express Checkout, they will be PayPal only. Any time you specify a billing type in your SetExpressCheckout call, it turns it into a PayPal only transaction. The only way you would be able to set up a recurring payment via credit card (without a button) is to use the Website Payments Pro and Pro Recurring Payments. Website Payments Pro would allow the customer to enter their credit card directly on the website for one-time payments and also you can set it up to accept the credit card information for recurring payments. You wouldn't be able to turn that one-time payment into a recurring payment at a later time but if you wanted to set them both up at the start that's certainly possible. Also, you would be able to use reference transactions with your Pro payments as well.
Here is a link to the paypal manual for Paypal Pro.
Be warned, with Paypal Pro you can not accept American Express cards, if your paypal account is not American - which sadly is what I'm trying to do :(
No, this is not possible with Express Checkout Recurring Payments.
You must purchase Direct Payment Recurring Payments (an addon to Website Payments Pro) in order to set up profiles direct via credit card.
Note that Direct Payment Recurring Payments is only available in the US, UK and Canada at the moment.
This is not possible to make direct payment with Express Checkout,for this you have got create and account on paypal and please set only two options to working credit/debit card with Express Checkout.
solutiontype = Sole
landingpage = billing

Paypal Direct Payment API using Paypal account

is it possible to make a payment with user's paypal balance using Direct Payment? I know that Direct Payment offers recurring payments but I'd like to use it not only for credit cards but for paypal account balance too. Is it possible or not at all?
Thanks
Only the Express Checkout paypal api allows it...
Check out the documentation for paypal's Express Checkout
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_WPGettingStarted
I do not believe that the Direct Payment option allows it at all.