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I need to implement the paypal adaptive chained payment in website. The payment flow should be initially the payment should go to one paypal account then from this paypal account will split the account to two another paypal account. I analyzed that there is an option in paypal to this by using paypal chained payment. But i need to implement the same chained payment in DoDirect payment that is credit card payment. my question is there any option in paypal to do the chained payment in a DoDirect payment? Or is there any way to implement the same chained workflow(chained payment) in DoDirect payment?
There is not a way to do a chained payment through using the DoDirectPayment API. If you are wanting to use the DoDirectPayment API you would have make multiple API calls. So if you were wanting to collect 10.00 and then have 2 receivers each get 5.00. You would have to make two separate API calls for 5.00 each. The buyer would then see 5.00 charged twice on their cards, and you would also have to have permissions on each of those receiver accounts to be able to process DoDirectPayments on their accounts. They would also have to have the service set up on their accounts.
You wouldn't be able to use the DoDirectPayment API with Adaptive Payments, but you should still be able to do what you are wanting to. You would just use the Adaptive Payments Chained Payments and the buyers would go through the flow and use the guest checkout. The guest checkout allows buyers to use credit cards without having to sign into a PayPal account.
Also, what some merchants do use if they are wanting to use the DoDirectPayment API, is they will receive all the funds into their account. Then towards the end of the month, they will use the MassPay API to do the payouts to all of the other accounts. You could even use the Adaptive Payments Pay API to send the funds out as well instead of using the MassPay API.
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I am currently using the PayPal NVP API, using the DoDirectPayment method, to accept credit card payments. Is there a way to do something similar with ACH payments?
ACH can be used as a funding source by buyers paying via PayPal. I.e. they can have the bank added inside their PayPal account.
But if you want to more directly process ACH payments through your site and be responsible for waiting to see whether the payments go through or not (since ACH takes time), you will need something like the Payflow gateway and a relationship with an ACH processor such as NORWEST. That's just one common option I've heard of, there surely must be others. This is more a question for some Google research than Stack Overflow.
We are setting up our marketplace transactions with PayPal and thus want to use chained payments for simple processing and to prevent being a funds aggregator.
As we want to capture buyers payment method once (upfront) and allow them to buy services from sellers later without entering their payment details every time, PayPal has 2 options: 1) pre-approvals, or 2) billing agreements.
However since buyers should also be able to pay with credit card, we can only use option 2) billing agreements.
Is our understanding correct that billing agreements are not compatible with chained payments?
Also, if they are not compatible, how can we go about it to allow for:
- Users to pay with credit card
- Not have them enter the credit card details every time at the time of purchase
- Use chained payments (prevent funds aggregation which would happen if we receive funds first and payout in a second operation)?
Thanks!
Preapproved Payments is part of the Adaptive Payments platform. Depending on what you're doing with the transaction when the time comes to submit a payment with a preapproval profile you may use a simple payment, parallel payment, or chained payment.
What you're after, billing agreements, is part of the Express Checkout API or Payments Pro. The actual term for what you'll be working with is Reference Transactions.
If you process a credit card directly over Payments Pro (either sale or auth) then you can simply use that transaction ID you get back with the DoReferenceTransaction API at any point in the future to process another transaction automatically.
If you process the original sale or authorization with Express Checkout, that's where you need to include billing agreement parameters in your SetExpressCheckout request to create that billing agreement, but then you'd still use the DoReferenceTransaction API to process future payments.
Currently I am working with several non-profits (who receive recurring donations normally monthly) to migrate away from their current gateways to Paypal.
Is there any way to import their currently donor's payment information into Paypal?
If not which would you recommend to help migrate their donors over?
1) Setup a special section of their website and as donor's to re-subscribe?
or
2) Send out Invoices for their current recurring amount (if its possible to email a subscription)?
thanks,
This depends on what type of system you are currently using, and specifically what type of service you are going to use from PayPal. Are you going to be using PayPal's Recurring Payments, Enhanced Recurring Payments, Subscriptions or Payflow's Recurring Billing? If you have all of the contributor's information, such as credit card info, name, address and etc and you are going to be using PayPal's Recurring Payments or Payflow's Recurring Billing you could use the API's to create the profiles on your PayPal or Payflow account without having to have the contributor do anything on their end. If you are going to be using PayPal's Enhanced Recurring Payments or Subscriptions, then you would need the buyer to re sign up for a recurring donation. You can could use either option that you mentioned above. You would be able to do either through PayPal.
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What is the difference among these paypal payment methods. I want to integrate with osCommerce.
PayPal Website Payments Pro (US) Direct Payments
PayPal Express Checkout
PayPal IPN
PayPal Website Payments Standard
PayPal Website Payments Pro (UK) Direct Payments
PayPal Website Payments Pro (UK) Express Checkout
PayPal Website Payments Pro (US) Direct Payments is an PayPal API-based solution that allows you to take card payments directly on your site. In addition, it has a $30 monthly fee and your account needs to be checked by PayPal. Lastly, you need to be PCI DSS compliant.
PayPal Express Checkout is an API-based solution that will doesn't necessarily require a buyer to enter any details on your site, allowing them a quick checkout through the PayPal site. (Although it's not required. You can still request an address on your cart if you so wish).
There is no monthly fee and everyone is free to use it.
PayPal IPN is Instant Payment Notification. In basic terms, PayPal will notify a script on your site via POST whenever a payment has gone through. Great for sending out customized 'Thank you' emails, updating your order database / stock levels, etc. I believe osCommerce only uses it for updating the order status. Oh, and it's free as well.
PayPal Website Payments Standard: forget about it. It's the same as Express Checkout, but worse and more insecure.
PayPal Website Payments Pro (UK) Direct Payments: An older version of Website Payments Pro that was available for some time in the UK. You'll know if you have this, otherwise forget about it.
PayPal Website Payments Pro (UK) Express Checkout: 100% the same as PayPal Express Checkout. Not sure why you have it available a second time.
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I am explaining by example:
A customer goes to the website and buys a service and opt for recurring payment. To complete the transaction, customer is redirected to the PayPal site. Customer does not have PayPal account and opt to pay via credit card. In such scenario is it possible for a customer to complete the transaction as a recurring transaction. If not then it is OK, but if it is so then later ON how customer can cancels this subscription as he has no account to log on to PayPal.
PayPal now has an add-on for Website Payments Standard called "Enhanced Recurring Payments" that makes it possible now to have recurring payments without making your customers signup for PayPal. It costs $19.95/month extra to use this. The add-on also adds a few other features, like Installment payments, and Automatic Billing.
Here's a link to their overview page.
While Chris Kuehl is right for Website Standard Payments, you can use Website Payments Pro (WPP) to set up recurring payments using the WPP API. Using the WPP API will allow for recurring payments to be processed via credit card without the customer needing to use a paypal account. For more information on how to use WPP, see:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_WPWebsitePaymentsPro
or download the WPP Guide in PDF
https://cms.paypal.com/cms_content/en_US/files/developer/PP_WPP_IntegrationGuide.pdf
You can refer this link.
Where site owner can use PAYPAL PRO method to use this API and make transaction successful..
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_nvp_r_CreateRecurringPayments
If site owner do not use this method then He/She can continue with current method and customer can payment via Credit card from paypal site.
Thanks.
It is possible to create recurring profile without customer signup.
check this,
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_WPRecurringPayments#id08669F0705Z
or check this question post by me,
How to Set end date for paypal Recurring Payments With Direct Payment?