I need to receive payments via PayPal on my website and have used Omnipay (PayPal_Express) to implement it.
I also like my users to have the option to pay with their credit card without having to create an paypal account. In the sandbox this works great (the user has the option to log in or to enter credit card details).
When I switch to live the only options are to login or create an account.
The setting to accept payments without account on the paypal website is set to on
solutionType is set to "Sole"
landingPage is set to "Billing"
My business account is from Austria and has a verfied bank account (but no credit card).
Does anybody know what I can do?
In Live mode, credit card only payment is actually controlled by PayPal risk detection sysem randomly. In order to manage risk, PayPal may limit the Funding Sources available for a transaction. If we limit the Funding Sources, we will alert our users that there is a higher-than-normal level of risk associated with the payment. Such a notice does not mean that either party to the transaction is acting in a dishonest or fraudulent manner. It means there may be a higher-than-normal level of risk associated with the transaction. PayPal employs complex statistical models to identify patterns of behavior. This is similar to the way banks and credit card companies identify patterns of behavior that are out of the ordinary when approving individual transactions. When our system does not allow a certain funding source for a transaction, it is merely an indication that the individual transaction fits a pattern we have observed in the past to have a high risk of failure. In this situation, your customers can only sign up PayPal accounts or log into their existing PayPal accounts to make payments to you.
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.
I am looking for information on how large resellers collect payments and pay the people who sell on their site. (e.g. Redbubble.com, a company that pays artists a commission for their work)
Specifically, I am looking for different solutions that cover a few key functions at minimal cost (like Paypal fees)
Ability to take payment from credit cards and paypal (others a benefit)
Track sales for each merchant as payments are processing
Collect payments in central account
Payout all processed payments on a monthly basis
P.S. I imagine there are a few ways to do this, I am hoping to gain some insight on what solutions have been proven.
P.P.S. This is not a technology specific question. Whatever APIs or third party solutions you know of are fair game.
Thanks for your knowledge!
Try PayPal adaptive payments.
Paypal Adaptive payments
You can also try Stripe to collect funds to one account and to trasfer them to third party acccounts but this only works in the US.
Stripe Payments
You could use the Adaptive Payments API and that would allow you to split the payments up among multiple receivers in a single transaction in real-time. If you go that route the API calls that you'd be interested in are...
Pay - This setups the actual payment and the receivers on the payment.
SetPaymentOptions - This allows you to provide more details like items, shipping, etc.
ExecutePayment - This actually processes the payment in the system after it's been setup with the previous calls.
PaymentDetails - This obtains details about a completed transaction.
Preapproval (possibly) - This allows you to get a Preapproval key for a user that will allow you to trigger payments on that users behalf at any time in the future with the use of the preapproval key.
PreapprovalDetails (if you use preapprovals) - This obtains details about an active preapproval profile.
To get all of that working in the live environment you'll need to submit an application through your PayPal developer account to obtain a Classic API App ID. For development on the sandbox there is a global App ID that can be used.
Another option would be to take payments on your site using any PayPal product like Payments Standard, Express Checkout, Payments Pro, etc. and have all the money come to your account, and then use the Pay API to distribute those funds out to people accordingly. This could be automated with an IPN solution and possibly the use of a CRON job on your server.
This is the method I like to use, and I typically go with a full Payments Pro / Express Checkout integration for payments on my site and then I distribute via the Pay API within an IPN solution or CRON job like I mentioned.
I've puzzled by this question for quite a while, but never had the need for it. Now I do.
What I currently need is a Credit Card payment option for my website that does not rely on services such as Paypal. I want something like Name.com or Hostmonster.com have. You simply enter you credit card number, expiration date and the three little numbers at the back of the card. How can I achieve the same effect on my website?
I'll be programming the website in PHP.
Answers would be appreciated.
You need to signup to a payment gateway. It's a service that allows you to process credit card payments. I know you don't want to use PayPAL to accept payments, but PayPAL offer two solutions:
PayPAL Payments - That is the button and people pay through PayPAL
PayPAL Payments Pro (Payment Gateway). That is when you use PHP or anything else to connect to PayPAL with the credit card information. The customer never knows you used PayPAL, and they never leave your site.
When choosing a payment gateway these are the four most important things you should consider:
How easy is it to implement (PayPAL has a lot of documentation)
How much is the monthly fee.
How much do they charge per transaction.
How much do they charge to setup an account.
There are other options, and one of the most common is Authorize.net, but the is more setting up and a larger deposit to open an account.
Most accounts will require a background and credit check.
Well, you'll still need to rely on a Merchant Services company for card processing. There are many companies that boast an API that can then be accessed with PHP. One that I have recently learned of is Stripe. However, there are many competitors and you can research other companies further, but companies like Stripe will allow you to generate payments programmatically without having to leave your site to visit the black-box that is PayPal.
I want to be able to send Paypal an instruction, via PHP, to transfer a specific amount of money from my account to another given a Paypal account.
Is this possible?
Now Solved.
It's called Mass Payments.
The option for paypal to send money is only available to business and premier account holders.
Paypal offers an "auto sweep" automatic withdrawal option to qualified Business and Premier accounts. This option is not available to Personal accounts. When enabled, any Paypal balance will be automatically transferred to a designated checking account every night around midnight to 4:00 AM. This option is a great convenience to merchants with high transaction volumes, so they do not have to log in and manually withdraw the funds periodically. It also avoids the risk of having Paypal freeze your account and any funds within it.
The option for you to make it send money to another paypal account seems extremely unlikely especially using anything outside of paypal itself as that would be very insecure and most likely against their privacy and security settings.
Developing a site that requires monthly subscriptions via PayPal. If a buyer has an account this is no problem via ExpressCheckout. The client has a (UK-based) Pro account though and wants to provide the option of payment by card.
As far as I can work out from the 'Website Payments Pro Integration Guide' this requires setting up a dual payment option on my site, giving the user the option of paying 'via Paypal' (ie ExpressCheckout) or by card, at which point my site would provide a PCI compliant card capture form that would submit to PayPal using DirectPayment. Going through PCI compliance isn't really an option. It seems weird that PayPal doesn't offer a hosted solution for this, or am I just being stupid?
TL;DR: Is it possible to process recurring card payments via PayPal in the UK using a PayPal hosted card capture form?
Site is bespoke PHP.
The PayPal API allows for recurring payments with Direct Payment:
Recurring payments with Direct Payment enables a recurring payment to
be associated with a debit or credit card.
[...]
The CreateRecurringPaymentsProfile response contains a Profile ID,
which is an encoded string that uniquely identifies the recurring
payments profile.
PayPal holds the account number and other pertinent information (including billing frequency) while your application stores the Profile ID.
PCI compliance is never an option. It is always a requirement. However, the rules for compliance are far less stringent (including forgoing auditing) for companies that don't perform a high volume of transactions per year.