It's not uncommon for credit card accounts to have an administrative user who can see all charges in their company. When querying such an account with AggCat.getAccountTransactions, all charges are pulled in, however, within any Transaction, there no property that points back to the transactions account number.
For example:
Fred (acct# 1234) is a regular user with a $10.00 charge in his account
Mary (acct# 6789) is the administrator of the all accounts (including Fred's). She has a charge $24.00
When I query Fred's account, I just see the $10.00 charge...fine.
When I query Mary's account, I get both Fred's and Mary's charges, and from what I can see, there's no way to differentiate her from Fred's transactions.
Is there some part of the API that can help me differentiate Mary's query, or could the API be enhanced to add the real account number associated with the transaction?
In this example, an American Express Blue account was being queried, but I've seen similar arrangements with other cards.
Thanks in advance.
The API's should be separating this information.
Please submit a support ticket so we can get more details about the account.
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I am starting a business and I would like to offer Paypal as a payment option, but for my business it is essential to be able to block an amount of money, just like a car rental or a hotel does on a credit card. Would it be possible to block an amount from my users PayPal account and release it or book it for good later?
My business is of course an online service, and I want to do this pragmatically in a Spring based application.
I think what you are looking for is Authorization and capture.
I haven't used that feature from Paypal, but have used it elsewhere. What you are looking for is usually called card authorization, preauthorization, or preauth.
Yes it's possible
PayPal's REST API offer 3 primary ways to ensure you paid for product/services that you give to your customers
sale. Makes an immediate payment so you get paid immediately
authorize. Authorizes a payment for capture later.(this is what you see in a car rental or hotel)
https://developer.paypal.com/docs/integration/direct/payments/authorize-and-capture-payments/
order. Creates an order. - which gives you the flexibility to
multiple to do multiple authorizations and captures (these are for
complex use cases such as when you buy a computer from Dell you would
be authorized for the desktop, monitor, keyboard at different points
of time based on availability and then the funds captured when they
are shipped)
Hi everyone.
We have a customer, whose company is organized in multiple society, so they:
Have a "brand group name"
They have many stores in italy grouped in differents companies
We are trying to solve this situation:
When a customer buy on online store, the nearest physical store will be selected as the one who will sell and deliver the products (this part is already solved)
Depending on the store (and then the company who owns it) the payment method (the paypal or braintree account) has to change so, for example,
for shipping in location x will be linked to paypal / braintree account 1
for shipping in location y will be linked to paypal / braintree account 2
and so on....
Do u have any suggests on how to solve it?
We've looked for multiple braintree accounts management, changing the payment method ( or account) dinamically
but we didn't find a solution yet.
any suggest is very appreciated.
thanks everyone for reading and have a nice day :)
I understand there are a number of account aggregators out there which allow businesses to get access to customers's transaction data (Plaid, Yodlee, Intuit Customer Account API, open to others...). I'd like to know which ones DO or DON'T also allow for:
Determining the DUE-DATE of a customer's credit card balance.
Making PAYMENTS across accounts and parties.
Response from Yodlee
1) Determining the DUE-DATE of a customer's credit card balance
Yes , Yodlee do provide credit card bill due-date though their API.
2) Making PAYMENTS across accounts and parties.
Yodlee does have a Bill-Pay product but it's not available to API customers as of today.
I've been working with a loan repayment API and ran into this issue as well with Plaid. For US banks only, it seems that there are three items you need for this system:
The bill due date (and amount) for the credit card
The banking information. At a minimum, a user's routing and account number (which Plaid can provide) and the credit card's banking information (their routing and account number for direct payments).
An ACH processor or US bank that will let you upload a NACHA file. This is the step that actually moves the money from one account to the other. Expect lots of compliance paperwork from the partner that you use.
It's a complicated world when you try to pay on behalf of a user. Outside of programming, get a good lawyer who knows bank law!
Response from Plaid (as of 9/22/2014): No/Not yet and No
"1) Within a customer's credit information, does Plaid provide their credit card bill due-date? what would be the appropriate call for that?
Currently no, but it's something we may add in the future.
2) Does Plaid offer anything by way of making payments or money transfers across accounts? (I'm assuming 'no,' but just want to confirm)
We do not, however we can help with the authorization of accounts for ACH & Wire transfers. Feel free to reach out directly for more information."
We are contemplating on using your services on the web app we are developing, We have following requirements.
Our's is a multisided services platform, an employer assigns a freelancer to do some job. Freelancer will create partial invoices until the full value of the job is realized. We sit as a middle man, and does the job of forwarding the invoice to employer and transfer the amount collected from the employer to the corresponding freelancer, after taking a cut.
1) We need to provide seamless integration on invoicing, The freelancer will use our web interface to create/send invoice. We will record the cost of the invoice in our database.
2) It is the employers prerogative, to decide when to respond on the invoice. Say, he responded after 10 days of receipt of the invoice. When the payment is made our website traps it and records it in the database.
3) When our web app come to know that a payment is made by the employer, we will transfer the amount (after taking a cut) to the freelancer.(adaptive payments).
I found out that chained payments is best suited for the scenario above.
What type of paypal account i need here to do the chained/adaptive payments? If it is Business or premier account , can i set up an account before legally registering a company for testing/sandbox environment? I am from India I see paypal registration form asking for the PAN number for company, which i don't currently have.
Thanks for your attention
Short anser: if you are not a business, use a premier account. That should be able to use all adaptive payments features including chained payments.
PayPal no longer distinguishes between personal and premier accounts (they used to carry different fee structures but that ended years ago), although some older features still may have blocks preventing access by personal accounts. Both types of accounts are expected to be owned by an individual. In contrast business accounts are expected to be owned by a business. Functionality should be essentially identical to a premier account except for details like personal vs corporate tax ID numbers & such.
Instant Payment Notification script receives among other parameters the following one:
payer_id = LPLWNMTBWMFAY
What is the meaning of that string?
It's an external unique identifier of a particular PayPal account. Since email addresses change over time. A PayerID is static.
As others have said, payer_id can be used to identify a Paypal account. HOWEVER! -- a single Paypal account can have several payer_ids associated with it, one for each credit card or funding source used by that account. Because of this, a given Paypal account does NOT map one-to-one to a single payer_id.
For example, if Bob buys from my website (through Paypal) using his Visa card, the transaction will include one payer_id. If Bob later buys using his Mastercard, the transaction will include a different payer_id.
I confirmed this in a phone call with Paypal Merchant Technical Solutions, in May of 2013, after running into problems with my order processing (due to an incorrect assumption I had made about payer_id being a reliable way to see if a customer already existed within my customer database).
NB: One ramification of this fact is that, when writing a Paypal IPN-processing script, payer_id should properly be stored only in the "orders" database table, and not stored in the "customers" table.
See also this answer: Is the paypal payer_id unique per credit card?
EDIT:
Apparently, each PayPal account does get just one payer_id. (That is not what I gleaned from my aforementioned phone call with Paypal Merchant Technical Solutions, but I can't find my notes on that call, so perhaps there was some confusion there.) Regardless, the payer_id does NOT uniquely identify a customer – as in a single, unique individual somewhere out there in the world. A customer could use multiple Paypal accounts, or could make some purchases as a "guest" using a different funding source than their primary Paypal account, and merchants would get different payer_ids for each one – even if the person's name, address, and all other identifying information were exact matches.
For these reasons, it is misleading for Paypal to call the payer_id variable a "Unique customer ID". Unfortunately, that description still persists in their documentation (scroll to the bottom of the "Buyer information variables" section):
https://developer.paypal.com/docs/classic/ipn/integration-guide/IPNandPDTVariables/#id091EB01I0Y4
It's just the id of the user who paid. You have to log it, to be able to give it to Paypal in case of conflict.
Payer_id is just paypal id of who pay the payment.
Email id is dynamic and always change, but payer_id is static.