I integrated OmniPay in my project few days ago, and I wondered if there is any option coming with it to actually enable credit card payments.
https://github.com/thephpleague/omnipay
I want to understand how to enable the PayPal credit card payments (which do not require an paypal account) using it.
What PayPal API settings should I enable?
How can I code this?
Is there any option to do this using PayPal & PHP at all ?
I tried to document myself on this and I couldn't find any answer to this question. Neither on the https://github.com/thephpleague/omnipay nor on Stack.
The setting mentioned in comments, 'PayPal Account Optional' exists so you have the ability to only accept payments from people with an account (when set to 'No').
If set to 'Yes', payments without an account can be possible. But whether the option will be offered to a particular payer in a particular PayPal checkout attempt depends on very many factors, which you do not control.
The only way to have some guarantee of a guest method being offered is to show a credit card form on your own site, before the buyer reaches a PayPal.com page, using the black 'Debit or Credit Card' button that is part of the JS SDK. You can see an example demo here: https://developer.paypal.com/demo/checkout/#/pattern/server
That JS code used for payer approval can be paired with any backend to create and capture the order via API -- including Omnipay, which essentially acts as a proxy for the PayPal API. This JS replaces any redirect over to PayPal which you might be familiar with from oler legacy integrations; the JS SDK is a more modern way to get the payer's approval, via a small in-context window or open a credit card form iframe instead which is a better UX than redirecting away anyway.
Related
I just implemented this: PHP PayPalCheckoutSdk:
https://github.com/paypal/Checkout-PHP-SDK
It redirects visitor to PayPal login and then he pays.
But my customer wants clients to pay using credit card and only optionally use PayPal login.
I've read there's another API that uses Javascript called Smart Payments (or Express Checkout, i have no clue...):
https://developer.paypal.com/docs/checkout/integrate/
https://developer.paypal.com/demo/checkout/#/pattern/server
Visitor can choose to pay using Credit Card, and this works as expected, but this is done using Javascript and so customer inputs the Credit Card information inside the actual eshop website!
Is it possible to redirect the customer to PayPal, so that he inputs the CC information there?
For Credit Card payments PayPal suggests using braintreegateway.com, which seems like a separate company. It has a separate API keys and administration (transaction list) meaning the transactions are separate from PayPal account!
A lot to unpack here.
The simplest way to accept credit cards is Set up standard payments -- which can be implemented with or without a server-side SDK to create and capture the order. Creating and capturing the order on a server is much more robust for order management.
The client-side JS portion of it provides a black "Debit or Credit Card" button, which can typically be used without any login.
Other, different services for processing credit cards that are also offered by PayPal are Advanced Credit and Debit Card Payments, and the Braintree Direct Gateway. These require more work to integrate, and the business account needs to be approved for the service to be set up and available to it.
Hi i am getting two options while integrating the paypal with my PHP code
1. Pay via paypal
2. Create a paypal account
Whereas i Need an option Of
Payment through Debit/Credit Card
How can i get that,,
i reffer to thisThis Link But unable to find the paypal profile and more options option, Can anyone help me
The only way to force Guest Checkout (which is what PayPal calls it when somebody uses a credit card from their checkout pages without signing in to a PayPal account) is to use the Express Checkout APIs.
This will allow you to set parameters that provide the Guest Checkout experience in all instances where it's available. Keep in mind that even with this configured correctly, Guest Checkout is simply not available for all buyers in all countries, so you still won't get it for 100% of your customers if you're selling world wide.
Guest Checkout is available in PayPal Standard Payments, too, but it's cookie based, so it's very unreliable. If the browser in use has ever had anybody sign in to a PayPal account then it will assume the current user will be signing in, too, and it will not prominently display the Guest Checkout option. This is what you are able to avoid by using the Express Checkout APIs.
This PayPal PHP SDK will make the Express Checkout calls very quick and easy for you. Specifically, you'll be working with:
SetExpressCheckout
GetExpressCheckoutDetails
DoExpressCheckoutPayment
In your SetExpressCheckout request you'll make sure to include the follow parameters:
SOLUTIONTYPE=Sole
LANDINGPAGE=Billing
USERSELECTEDFUNDINGSOURCE=CreditCard
This will ensure that the user sees the Guest Checkout experience.
Direct processing of Credit Cards is deprecated.
But people can pay without PayPal account - it's called guest payments.
Use the PayPal API and allow the optimal checkout to YES and then customers can pay either through credit card / paypal account.
https://developer.paypal.com/docs/integration/direct/payments/guest-payments/#
I have an issue right now that is killing me, I have implemented several payment options but never used paypal, I don't know why is it so complicated.
The website already exists and wasn't developed by myself.
I don't know the ammount of the order it is dynamic, so the "create payment buttons" on the paypal website doesn't work for me, at this point i developed a solution using
PayPal developers
But it turns out that i only have the option to pay with a PayPal account or register a PayPal account, I do not want to force customers to do this, it has no sense. is there any relatively easy solution out there using the same PayPal API?
EDIT
The whole site code is in PHP so i need the solution in this language
As you have mentioned that you are aware of one payment method i.e. Express Checkout ( in which user needs to have a valid Paypal account) so the other method which I think you need is the Direct Payment (i.e. a user can pay with credit cards directly without any Paypal account) API.
For this direct payment api you need to enable Website Payment Pro WPP , here you can get info about WPP.
I am trying to figure out exactly what payment solution to use for my site.
I would like to do the same thing as Spotify (https://www.spotify.com/us/freetrial/ - You'll need to login to see it), allowing users to choose whether they want to pay with PayPal or use a credit card and then taking them to a payment selection screen (on PayPal), then returning them to my site to click confirm and buy.
I am already paying for recurring payments (even though I've yet to use it) and am unsure if that is applicable here. I have also integrated express checkout but I don't know if it will allow recurring payments.
EDIT: Do I need a separate token for recurring payments? Do I have to use the old recurring payments checkout screen? How can this be done as efficiently as possible, like Spotify? Here are my efforts to create a recurring payments profile after express checkout: http://pastie.org/private/sakzopltnwfv93wwmduqq
Diagram:
Select Buy & PayPal (subscription) --> Choose Payment (on PayPal) --> confirm & pay (my site)
This is what spotify's checkout looks like (It wouldn't say update for first time users):
Are they using recurring payments + express checkout? I would really appreciate some help with this.
Yes, you can get this done with Express Checkout + Recurring Payments. That said, if the person chooses credit card when setting up a recurring payment they will have to create a PayPal account. If they're paying a non-recurring checkout then they could use the credit card option without creating a PayPal account.
You mentioned that you're already paying for recurring payments..?? Are you referring to Payments Pro? If so, you don't need to pay for that to use EC + RP. Pro is only necessary if you want to process credit cards directly on your site without ever redirecting to PayPal. This can sometimes make things seem a little more professional and would also give you the ability to let people setup recurring payments without creating a PayPal account when using a credit card.
When using EC you just need to make sure to include the billing agreement parameters in order to get a token back that will work within CreateRecurringPaymentsProfile. Refer to the SetExpressCheckout API reference for more details on that.
This is kind of old now, but is still useful. Take a look at this sample express checkout set of api calls. You'll notice it uses the same token throughout all of the calls.
Just like Spotify -you would need to build that option on your site. If the user chooses to subscribe with a credit card - use the recurring payments w/ direct credit card (see below). If the user chooses to subscribe with a PayPal account - use the recurring payments w/ PayPal Account (this is what Andrew is suggesting above in his response).
Here are the how-to guides:
For direct credit card subscriptions: https://www.x.com/developers/paypal/documentation-tools/paypal-payments-pro/how-set-recurring-payments-profile-using-direct-payment
For PayPal Account subscriptions: https://www.x.com/developers/paypal/documentation-tools/express-checkout/how-to/ht_ec-recurringPaymentProfile-curl-etc
The APIs would allow you to do things like trial periods, setup fee, etc. For example here is a how to on building a freemium kind of model: https://www.x.com/developers/paypal/documentation-tools/express-checkout/how-to/ht_ec-freeTrialRecurringPayments-curl-etc
Whats the recommended way to do this with Paypal (i've heard they're a nightmare to deal with).
Ideally the user would sign up with credit card details and then i'd process the payments through their banks? Is that how it works? With API's?
Ideally the user would sign up with
credit card details and then i'd
process the payments through their
banks? Is that how it works?
No. In a correctly designed system you never have access to your user's credit card number. It's your payment processor (eg PayPal, MoneyBookers, FastSpring, etc.) that takes care of processing your customer's credit card.
So your customer is taken to the payment processor's site (on a page which can be customized to use your company's logo etc.) and then your payment processor warns you when a purchase a made (for example by calling a specific URL).
With API's?
Yup, PayPal (and MoneyBookers and things like FastSpring) offer APIs for several languages (like Java APIs).
PayPal has a dev environment on which you can test these kind of functionalities, so does MoneyBookers if I recall correctly (also note that sometimes the dev environments are a bit buggy and/or down).
PayPal offers APIs for processing payments. Typically, the user is taken off your page to login into paypal and then paypal calls back to your site with approval/shipping info. The whole point is for the user to shield their credit card info from your site, making things safer.* You can use either the NVP (name-value pair) or SOAP protocol for development. There are also 3rd party libraries to simplify integration.
Check out the API reference here to get an idea:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/howto_api_reference
*PayPal does offer a Direct Payment API which allows your site to take credit cards directly and use PayPal as the gateway:
https://www.paypal.com/cgi-bin/webscr?cmd=_dcc_hub-outside