I've come here in a bid to try and solve what seems like a blackhole that nobody in paypal can help us with.
We've a business account. Paypal Express (digital goods). Verified, restrictions lifted etc...
We've got paypal express integrated fine as our sole payment method. But there's a problem. ANY paypal account funded by a credit card will just flat out fail and give a 10417 error.
Overview
Customer A has an existing paypal balance of $10
Customer B has an existing paypal balance of $0 but has their account
funded by credit card.
Customer A has no problems on our site with any transaction below $10.
Customer B gets an error upon payment. More specifically, a 10417 error.
Now before anyone says it, we have checked with card issuers etc... so we're 100% sure this is not an error with cards or banks (as the 10417 error tends to suggest). We've literally tested this with a dozen verified / clean paypal accounts in different countries with different card types & different issuing banks. All of them fail and sandbox gives us no clues either...
Can anyone throw us a bone here or think of any possible reason this could be happening? It would be much appreciated...
Update: Resolved: Turns out it was a problem with our account and more specifically our category of industry. It would have helped of course had someone told me that the half a dozen or so times I called over the past week - yesterday on the phone i asked an agent if she was 100% certain this was a problem with a customers card, bank or billing address. I knew it wasn't so i wanted just to see if she'd commit to it. Her response - "yes sir, i'm 100% certain". Sums it all up. Hopefully this will help someone else out there... if you're getting 10417 errors, try changing the business category or subcategory in a bid to stop you going insane...
Ran into the exact same issue, paypal support was not very helpful
Turns out the problem was the business URL was set to http instead of https
Our business website redirects from http -> https, but this redirect seems to cause a problem at checkout for paypal
Once we changed the business url, customers were able to proceed with payments
Solution:
Log in to paypal
Navigate to https://www.paypal.com/businessprofile/settings/info/edit
Edit the business profile and make sure "Business URL" is set to https://
Related
My client having single paypal merchant account. IPN Notify Url sets to one website. But we are using same account for two websites. The problem is after payment process completed, paypal redirects to IPN Notify Url. But, I want to redirect to My website. Means Paypal redirects to their respected websites without considering the IPN. Is it possible? If Yes please suggest me.
thanks in advance
I am in the middle of getting the exact same thing setup currently. PayPal calls this a "Parent/Child Account". Basically what happens is the following:
You setup 1 main account on PayPal which has your bank information stored
You setup a secondary account (with no bank account, however both are business accounts)
Call PayPal and inform them you want the secondary account linked to the main PayPal account so that they both share the same financial information (Parent/Child Accounts). They will make the change in their system so that both of the PayPal accounts look like 100% separate businesses with no information leaking from one to the other, it's as if neither of the two checkout pages know each other.
On the back-end, what happens is you get paid on the 2nd account and the money is transferred to the main account at the end of the day, which you can then transfer to your bank account.
I believe this is a U.S. only feature, however feel free to call them and ask for help in getting it setup. If they give you the run-around, telling you that this is impossible, tell them you need to speak to someone else. I was on the phone with 7, yes SEVEN, different people in one call, and I had to call back and went through 4, yes FOUR, for a total of ELEVEN people, before I finally got to the one person who set it up like I wanted it setup. It is possible. Be persistent and don't let them tell you it isn't (unless their reasoning is you not being in the US).
Good luck!
I integrate PayPal Express Checkout in a Java web project and I want to know if before a transaction processing it need to be checked if the buyer has sufficient means (funds) in the account or PayPal does this automatically? If so, where can I set the redirect link in case the account balance is less than the amount to be paid?
Cause for example I have 2 sandbox accounts, one Personal (where I have 100$) and another Business, I tried to make a transaction of about 200$ and all went fine, the money were transferred, and I'm afraid because of that.
What? No...think about what you just asked, if a merchant had access to buyers balance that is a huge privacy issue. Paypal will deal with balance issues, eg a back up source must be selected.
NOTE: I've already looked at reasons for paypal 10544 Gateway Decline error. This is happening in production for us.
We use DoDirectPayment and DoReferenceTransaction with our customers to set up a regular payment transactions and when we get failures, the vast majority of them are for this error code. I've asked for details for specific transactions before and was instructed to get our client to contact PayPal directly for security reasons, which is understandable.
But I was wondering if there was something more to this particular error than the rather vague description implies. E.g. is there some setting in the account settings that causes it to occur more often than it needs to? Is it because we are a Canadian merchant accepting credit cards from other currencies?
We don't really like asking our customers to contact PayPal about this because it feels like we're passing the buck.
This is a catch-all for a variety of messages that unfortunately aren't spelled out in the Payflow Gateway Developers Guide but do appear here Classic API Error Codes with a vague explanation of:
The transaction was declined by PayPal. Contact PayPal for more information.
We recently switched to Paypal from Paymentech (but still using Payflow Gateway). About 15 of our customers with monthly service billings began getting declined. These were all customers whose credit cards were approved for years on Paymentech.
Paypal told us that (for security reasons) the customer had to call Paypal directly for more information. One of our customers did that and reported that Paypal couldn't tell them what was up so they lifted the "ban" on that card. Another customer reported that Paypal support couldn't understand that this was a problem with a Merchant account, not a Personal. Yet another left us for the competition.
In the end, I wrote code to trap for this error and print the following message on our commerce site and email notification:
Our payment processor, PayPal, was unable to process your credit card. Please try a different card, or contact PayPal Support at 888.221.1161 to determine why your credit card wasn't accepted.
Furthermore, I've ask that this be escalated within Paypal because this is bit of a hack.
There is not a lot more specific reason for this error, it is vague due to the number of reasons that can cause this. Usually this is due to an issue with the buyers account or card, in which case the buyer would need to contact PayPal to resolve the issue.
Problem: I've implemented "partial authorizations" (pg 72) but whenever I try to run a transaction that could use it, the result is a decline.
Setup: I'm handling transactions with the API with PayPal Payment Pro Payflow Edition (aka, PayFlow Pro Gateway & PayPal Merchant Account).
Cards use in Transaction: Visa Gift Card & American Express Gift Card. This feature was made for gift cards and other prepaid products. Gift Cards are specifically cited in PayPal's documentation example.
Transaction Logs:
Here is the log for a declined partial authorization. The original amount requested is $25.00, even though this visa gift card only had $2.00 on it. I should have received a response with an approved amount for $2.00. Instead I got a decline.
-> PARTIALAUTH:Y TENDER:C ACCT:**** VERBOSITY:HIGH TRXTYPE:A EXPDATE:0618 AMT:25.00
<- RESULT:12 CARDTYPE:0 PROCAVS:G IAVS:N PROCCVV2:I EXPDATE:0618 RESPMSG:Declined: 15005-This transaction cannot be processed. LASTNAME:NotProvided ACCT:**** AMT:25.00 PNREF:************ AVSZIP:X AVSADDR:X HOSTCODE:15005 TRANSTIME:2012-12-14 12:43:04 CVV2MATCH:X
For comparison, when I run the same card for an amount that is less than what's on the card, it goes through no problem:
-> TENDER:C VERBOSITY:HIGH ACCT:**** AMT:.11 TRXTYPE:A EXPDATE:0618 PARTIALAUTH:Y
<- AMT:0.11 AVSZIP:X PPREF:***************** ACCT:**** AUTHCODE:111111 TRANSTIME:2012-12-14 12:41:46 LASTNAME:NotProvided IAVS:N PROCAVS:G RESPMSG:Approved PNREF:************ RESULT:0 EXPDATE:0618 PROCCVV2:I CARDTYPE:0 AVSADDR:X CVV2MATCH:X CORRELATIONID:*************
-> TENDER:C ORIGID:************ TRXTYPE:D
<- RESULT:0 PENDINGREASON:completed PNREF:************ FEEAMT:0.11 PAYMENTTYPE:instant RESPMSG:Approved PPREF:************ CORRELATIONID:*************
I believe the API calls should be and in fact are the same in both cases. The point of Partial Authorizations is that you don't know when you need it, so if you want it, it should be enabled for all transactions -- meaning you always append the two extra parameters of VERBOSITY=HIGH and and PARTIALAUTH=Y.
Any ideas why this isn't working. The feature is very important to my application and is one of the main reasons I'm using PayPal.
I hope I'm missing something simple, like a setting in manager.paypal.com.
From what I can see you're doing everything correctly. When something like this happens the only thing you can do is contact PayPal directly.
You can do so via www.paypal.com/mts or if you login to your PayPal account and go into the contact by phone section you should see a separate phone number for tech support directly.
I would recommend submitting a ticket to MTS and then also calling, but when you call, refer them to your ticket. They're going to want you to post one anyway, but if that's all you do it probably won't get answered for awhile, unfortunately. I've had good luck catching them on the phone, though, and can get things done much more quickly that way.
The only thing I can think of that might be an issue here is that you're using the PayFlow gateway with PayPal as your merchant. While the PayFlow gateway supports this, PayPal may not. It may only work if you're using a 3rd party merchant account on the PayFlow gateway.
That's something they will need to confirm or deny as I haven't specifically tested this myself, but again, I don't see that you're doing anything incorrectly.
Im integrating an MVC4 website with Paypal and all has gone quite smoothly until now. However, when I click through, the buyer does not get the option to complete the purchase as a guest.
I'm using the Paypal HTML payments standard method and searched around and this page and Paypal itself said to make sure
'Account optional' was off in my profile. I'm in my sandbox profile now, but under 'website payment preferences' there is no such option. I just have:
Auto return for website payments
Payment data transfor
Encrypted website payments
Contact telephone no
Express checkout settings (just for german payment methods!)
Does anyone know where this setting is now?
The person I'm building the site does not want users to have to have a paypal account, so guest checkout functionality is required.
Unfortunately the Paypal website doesn't really help - searches for guest checkout turn up little.
Any help really appreciated.
Thanks
I'm having the same problem, I guess it might be related to your location or your customers location (Outside the US).
I have called PayPal Support and after about an hour of discussion they said something like that.
I hope that this is not the right answer (I hope there is some sort of setting we can do to change that, and we are just missing it).
also check that link it might help:
PayPal Standard not giving option for Check out as Guest
Make sure that the receiving account has verified status (eg, that you've linked it to a bank account).
Only verified accounts are eligible for guest checkout.
Another common pitfall is that you might have made a typo on the email address of the receiver.
Make sure it's the exact same one that's used to log into the PP account (or at least that it's associated, and confirmed to the account)
This topic forum is the best place I've found for a checklist of requirements to receive guest payments on paypal:
https://www.paypal-community.com/t5/How-to-use-PayPal-Archive/buy-now-button-requires-paypal-login-or-account/m-p/15587