I am in the process of implementing a solution where the user would buy a product using one of two options, either using Credit card or using PayPal. Now basically I would want that the if the user does not have any credits left in his account I charge their PayPal account with a certain amount of money. I am going to use Adaptive Payments for this and I will be using .NET.
Now I have some questions. Does anyone know whether this can be done?
And something else. If I am going to use Adaptive payments.. are adaptive payments more expensive from PayPal side?
Thanks
So just to make sure I follow, their account will have 'credits' to purchase things. They will select items, and check out paying with credits. If the item costs 10 credits and they only have 8, you will charge them the appropriate amount for 2 credits?
This doesnt need to be adaptive payments. All you need to do is edit your checkout flow to account for multiple payment methods (credits and cc or credits and paypal).
So the flow would be like:
Cust adds item to cart -> Cust checks out -> Cart determines if any money is due -> Cart presents new adjusted total (minus credits) to the merchant -> Cust selects payment method and pays.
Related
I am setting up the Paypal integration for a Clients website. He has a page where users can buy stuff that others users sell and he wants the buyers to pay using Paypal, he also wants the payment to be charged a fee, so that a percentage of the payment goes to the website owner and the remainder goes to the seller. For example:
Tom sells shirts at $20 each and i want to buy two, so i would pay $40 plus the 3% of the transaction, that would sum up to $41.2, $40 would go to Tom and $1.2 to the page owner.
How can i do this using Paypal? I have been reading a lot Smart Payments Button describes how to set a payment but the funds go to a single person, i need to set a chained payment, split payment or something alike and their docs seem very fuzzy.
Any help is appreciated.
Thanks!
platform_fees , documented here , is the analogue to chained payments. However, it is only available to PayPal partners -- i.e., probably not your client.
For separate transaction payments to more than one receiver account, there is multi-seller payments.
After completing the Paypal Integration and after tears and pain i can tell that i couldn't use platform_fees.
The implementation is complete and working but i wrote to customer support and to dev support and they just don't want you to use platform_fees so nothing will work along that path.
The solution they provide and the one they want you to use is getting all the money on your account and then splitting it using Payouts to all the clients.
Really bad solution imo but its convenient for them because they charge more transactions instead of allowing you to do everything on a single transaction.
I have a client that wants a site that hosts sellers selling items and allows buyers to purchase the items. She wants all the money transactions to be between the buyer and seller and she collects a percentage of the sale. She wants her percentage to be automatically put in her paypal account. Kinda like eBay for example.
I have used paypal standard with buttons but have never done anything like this. Does anyone have any suggestions about how I would get started and/or how this is done?
Thank you for your suggestions,
Greg
Many people would (and probably will) recommend using some sort of split/chained payment solution, but I will just point out that the site you mention, eBay, does not use split payments. eBay sellers register with eBay; eBay faciliates the sales and bills the sellers for their fees. You can do the billing through invoicing, or via preapproved payment/billing agreements (which allow you to collect from sellers without them having to send you each payment).
While this solution requires you to do a little more work (tracking sales & billing) it is a lot more flexible.
I understand that Paypal's MassPay can be used to, as a business, quickly make payments to multiple people. I also understand that the business sending the mass payment is responsible for the transaction fees, and that the recipients of the payments are not charged any further fees.
I am curious if it's possible to utilize MassPay to account for revenue shares / commissions when a buyer purchases a product through an eCommerce application.
For instance: my application allows users to buy and sell products. My business keeps 20% of every sale, and the seller receives the remaining 80%.
A seller sells a product for $100 to a buyer through my application. My business should receive $20, and the seller should receive $80. The buyer completes the checkout / purchase process by making a $100 payment through Paypal. My application has MassPay configured in a way that will send $20 of that $100 to my business's Paypal account, and the other $80 of that 100$ to the seller's Paypal account.
Is such a thing even possible?
if the answer is yes…
How will this appear in the Paypal accounts (activity / transaction history) of the buyer, the seller, and my business?
What if the buyer has a problem with the product they purchased, and they open a dispute with Paypal? Will they have to open a dispute for one transaction ($100), or two ($80 and $20)?
Because the buyer is the person making this mass payment, will they be charged additional fees in some way? Will those fees need to be factored into their purchase cost during the checkout process?
Thanks in advance.
You can absolutely use masspay to send "contingent" payments like rev shares and commissions; in fact this is the product's most common usage. It was built for that.
You may also be able to use PayPal products like chained or parallel payments to create multi-link payment flows.
In most cases you want payments to flow along with responsibilities/agreements. For example if I buy something (e.g. a t-shirt) I don't want to make multiple payments to supply chain members; I want to buy the shirt from someone and pay them, and it is their responsibility to take it from there; they may then owe a commission to someone (or to 10 different parties, I don't care), or they may owe a supplier (or a bunch of them)... not my problem.
So I strongly urge you to decide what model you want: is someone buying a product from you, and you will pay a supplier? is someone buying a product from a seller, and the seller will owe you a commission for providing the customer through your marketplace? Then set up your payment flows accordingly.
In the former case (ecommerce store) masspay is an excellent fit: the customer pays you and then you masspay (on a per-transaction or aggregated basis) payments to your suppliers. The buyer only sees the payment they are party to, which is their payment to you. Any dispute is between you and your buyer.
In the latter case (marketplace) the customer pays the full (total including commission) price to your sellers. Then you don't need to push a payment to your sellers but rather to collect a payment from them, so you would likely use invoicing or a billing agreement to collect your commissions.
I'm having a few issues here, I'm using Angelleye:
1.) Currently, when a user clicks to ‘Pay’ on my website, a popup appears and they must then enter their PayPal email address. We take a commission on all items sold on our marketplace, so we need to use Adaptive payments.
2.) In addition, the auction listings that a user creates on our marketplace can be in either $ (USD) or £ (GBP), but it seems that if the user creates a listing that isn’t in their main PayPal currency, they can’t receive payment.
Is the PayPal email popup necessary and can we allow users to receive payments in currencies other than their main PayPal currency?
Thanks!
1) There are different options for how to handle the payment flow with adaptive payments. You can use a pop-up window or a lightbox, for example. All of the details for how to setup the flow you want are available here: https://developer.paypal.com/webapps/developer/docs/classic/adaptive-payments/integration-guide/APIntro/
2) I'm pretty sure this depends on their payment receiving preferences. When receiving a payment that isn't their primary currency they could end up paying additional fees, so I'm pretty sure they would have to specify that they accept this within their account. Alternatively, merchants can create separate currency balances within a PayPal account, so you could actually maintain a USD balance and a separate GBP balance within the same account. This way you could receive money without getting hit with currency conversion or cross-border fees, and the merchant wouldn't have to specifically accept it.
Using Paypal's Adaptive Payments API, I am selling physical items that require a ship to address - on the Paypal purchase page I inform Paypal to have the customer select an address. If I have sales tax rules set up on my merchant account, how do I get Adaptive Payments to add sales tax to the order - I hand it the subtotal, and based on the state in the address the user selects, it calculates and adds the sales tax to that subtotal for a grand total?
Isn't this the entire point of Paypal - customer provides this information to Paypal, and then provides me only the information I need for the transaction?
You're right but AFAIK, since PayPal does not want to keep tax rates which differ for countries and type of goods you ship. So, you can either try using
GetShippingAddresses
api call before executing the payment, and add
totalTax
information during
SetPaymentsOptions
call..
Doesn't seem to be able to compute this on its own - I ended up keeping a hack of a solution in place. Prompt the user to provide the state to which the goods will be shipped to, and then calculate the tax on my own before sending the order total (subtotal + tax) to the Paypal workflow. Disappointing, IMO.