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
Related
We currently have a website that uses eWay token payments and setup Auto Order for customers. They can manage what items are in the auto orders and at what frequency the orders will be placed.
After the first order we can save the users 'Token' with eWay and charge their card at each instance.
We would like to add in the ability to pay with PayPal, but cannot see a similar feature where future orders can be placed without the user interacting.
The issue is that the price may differ from original payment, as discounts for the item may change or the user could add in other products to the auto order. So we don't want to have a repeat purchase setup in PayPal, rather automatically charge the users account when needed.
Been looking through paypal API docs and nothing is jumping out as the correct way to proceed.
We have tried payments through eWay to PayPal however they are not supporting paypal through their gateway anymore so are not much help.
Our website is PHP, Mysql driven and we currently use PayPalExpress checkout API for single orders.
For PayPal, the receiving account needs a feature called "reference transactions". This is not enabled by default in the live environment (though it is in sandbox). It requires business approval, so the PayPal account owner should contact PayPal's general customer support or an account manager (note: not technical support) to discuss the business need for the feature.
Once approved for the "reference transactions" feature on a live business account, PayPal can guide you on which API to best integrate to make use of this. Something like v2 or v3 vault and that API's payment tokens are a possibility that sounds exactly what you are describing, though there are other (older/legacy) APIs that use something called a "billing agreement" as what's effectively a token as well.
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'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.
This question asked before but didn't got any answer.Maybe things have been changed.
When you click the Express Checkout PayPal button on any webshop, it redirects you to a specific paypal login link, for paying the order.
I have been searching high and low for 3 weeks for a simple paypal php curl script that logs you in from this step, and confirms the payment, but have not been able to find anything.
I found out it is not possible to use the API for this, so its gotta be done by CURL.
I'm asking for this because I run a dropshipping website, and would like to automate certain steps, like placing and paying orders. A working code for this would help not just me, but all looking to automate buying in some form.
Thank's!
You can't log the buyer into PayPal when you redirect them to the site. The buyer has to enter their own account credentials themselves.
If you wanted to bill a buyer without requiring they log into PayPal each time you would need to use billing agreements (reference transactions) through Express Checkout. If you set up a billing agreement with a buyer you can charge a previously successful sale to bill them again for a different amount.
You cannot do what you want with Express Checkout, especially since nobody will ever enter the paypal details on your website (that is the entire point of paypal).
You can use either preapproved payments (buyers preappove payments being taken out of their account up to a certain ceiling), or reference transactions (you reference a new transaction to an older transaction. PayPal will then use the billing details of this earlier transaction to bill the user).
Preapproved payments is part of Adaptive Payments. Documentation is at https://developer.paypal.com/webapps/developer/docs/classic/adaptive-payments/integration-guide/APIntro/
You can find more details about Reference Transactions at https://cms.paypal.com/uk/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_ECReferenceTxns
Note: Reference Transactions needs to be enabled on your account. This API call is not open to everyone due to the potential for abuse, so you may want to look into whether you're eligible for it before you start working on a full integation with it.
You can find more info here :https://www.paypal-community.com/t5/Merchant-services-Archive/Does-Paypal-have-a-quot-Token-Payments-quot-concept/td-p/325794
Also google "token payments" as that is what you need and most payment gateways usually support them.
Is it possible to integrate the Google Checkout API or Paypal API with my marketplace? I am using PHP to generate the market, one auction at the time. I have a MySQL database containing all of the market actions, however, I was wondering. Can I use either Google Checkout or Paypal to dynamically generate the Checkout process, and give the proceeded money to the user whose posted action, then notify me?
I am able to load User details from the MySQL database aswell.
I looked at the 'StackExchange' network, however; I could not figure out where to place this question. Therefore I assumed this was the best place ?
Google Checkout as the term implies is pretty much what it says - it allows a merchant to outsource their checkout operations to Google. I don't think it's a fit because in your case, "merchant" is "dynamic" - its different sellers across auctions. Additionally, Google Checkout isn't for person-to-person payments - its specifically for a merchant (store) to sell products and service at it's web site and have the checkout process handled by Google.
Look into Paypal Adaptive Payments.
You can also look into Amazon FPS .
I'm not familiar with your project's terms such as 'generate the market', 'market actions'
PayPal has reference tranactions in which you can charge same customer's credit card again without storing actual credit card.
Authorize.Net has CustomerPaymentProfile in which they store your customers's credit cards. Then you can submit each customer's paymanet profile, and they'll charge the card for you.
I'm not familiar with Google's automatic checkout without actual credit card.