our website works very well in Sandbox. We are using Adaptive Payments to implement Personal Payments (directly from one person to other), and now we want to test our functions in Live mode.
But when we read the Application Policies to go Live (https://www.x.com/developers/paypal/documentation-tools/paypal-application-policies-and-guidelines) we surprised to find next:
PayPal - Application Policies
The Merchant/Seller of Record must be the primary recipient for every PayPal transaction made between a payment Sender (Buyer) and the associated payment Recipient (Seller).
(we use like a sender a person and like primary recipient, a friend of that person)
Do not use PayPal API operation calls to provide Personal Payments in India, Mexico, Malaysia, Singapore, and Taiwan.
(we are in Spain)
Do not expand Personal payments or provide remittance services for any transactions provided via PayPal services.
So, is there any problem to use Adaptive Payments (Personal Payments) in Live mode ?
Thanks in advance.
Related
In my Windows-Desktop App I want allow to transfer money from one Personal-Account to another Personal Account. What is the best way to do that?
Using Payouts seems to requiere a business account for the money sender.
In some countries, PayPal can facilitate fee-less "friends and family" payments from the PayPal balance or funding sources that don't charge significant fees, like bank accounts. If this is what you are looking for, all you can do is have the receiver of the payment create their own https://paypal.me link and direct the sender there, or if not using paypal.me then direct the sender to https://www.paypal.com/sendmoney to set up the transfer themselves.
Otherwise, only payments for "goods and services" are possible. There are many ways to set up a PayPal checkout between two accounts, and the receiver's account type is generally not of much importance although this may vary by country due to local legal regulations. A web page with a standard PayPal Checkout to pay another account can be set up with HTML/JS, so you could have your app show a browser with such a page. Alternatively, the much older (~20 years) integration method that uses a full-page redirect is to create a link with this template:
https://www.paypal.com/webscr?cmd=_xclick&item_name=purpose%20of%20payment%20goes%20here&amount=100¤cy_code=USD&business=emailusername#example.com
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
After X hours of searching and lost-ing inside documentation and this community, I understand that, if :
I'm non US developer
my client is not a US company
I want integrate Paypal in market-place
sending several emails to Paypal support
I need to:
register as Business Account US in paypal.com ( and not in sandbox )
find an US user because I'm not, otherwise I need to fake my address, zip code and state
enter in developer.paypal.com
Someone can answer me YES ? or the right procedure ?
Thanks
from https://developer.paypal.com/docs/faq/#international-developer-questions
"I'm a non-U.S. developer. What products are available to me?
The REST API supports a number of countries and currencies. The REST API provides simple payment processing for common business needs, including PayPal payments, direct credit card payments, authorization and capture, and refunds. For more advanced payment solutions such as parallel and recurring payments, you can use the NVP/SOAP APIs.
If you've previously used our NVP/SOAP APIs, you can continue to use them. Using your old Sandbox email address and password, you can import existing Sandbox accounts on the Sandbox Accounts page."
I started on this page:
https://developer.paypal.com/developer/accounts/
we have set up Paypal as a hook into an e-commerce application, where users just enter their paypal account, and we link their clients through to their Paypal account when buying products.
This works great, and paypal asks you to login to pay for your purchases.
But we don't want clients to be forced to create a paypal account, just to make a purchase.
Does website payments standard API actually support paying without a paypal account?
At the moment this is a real showstopper for us.
Check out PayPal Adaptive Accounts. You can create PP accounts for your users. The only step they'll have to complete at PayPal is creating a password. Once the account is created you might need send the user back through a checkout flow.
Adaptive Accounts
Use the Adaptive Accounts API to build applications that create and manage PayPal accounts. Merchants and developers can use the API to create PayPal accounts, add payment methods to accounts, and verify a PayPal account status.
Paypal is a very useful payment service gateway, exactly because the customer does not need to enter a credit-card number.
What we do, is offer Paypal as an option. We allow credit-card entry as well. In order to evaluate the credit-card for validity etc., we interface with the bank that supports our account and let their system do the checks. Another option would be "Cash on Delivery".