today i've approached by a client asking me to do major revamp on website and offering good money.
However, the payment method he offering is via credit card - paypal, only method available to him.
So, my question now is, what should i do to protect myself from paypal chargeback?
Is there any protection i can add to my php codes to protect me from this kind of event incase it occured?
Thank you
The fact that you're thinking of putting something into the code is absurd. Putting something in the code will do nothing in the end. If you're smart, you will get all of his contact information and verify it before working with him and log any and all conversations. Then if he attempts a chargeback, you can take legal action against him to retrieve the funds.
The seller and PayPal can work together to dispute the chargeback with the buyer's credit card company. While the chargeback is being disputed, PayPal will debit the seller’s account for the amount in question. If PayPal and the seller ultimately win the chargeback dispute, the credit card company will reimburse PayPal for the chargeback, and PayPal will transfer the recovered funds back to the seller. Depending on the credit card company involved, the process may take up to 75 days.
From: Paypal - Chargeback FAQ
Related
Is it possible to be the middle man for a Paypal transaction without having anything thing to do with the transaction (PayPal account wise)
so the buyer pays directly into the seller's account and my site verify's the purchase (somehow) and emails download link.
How is this done and yes this is a coding question since it involves PayPal API and possible PHP workaround.
Any help would be happily received.
Yes, you should use Paypal adaptive payments to achieve this. Note that you need a PayPal Business account. A related question with answer: Online payments for a middleman
Is there a way to make use of the paypal API for direct credit card payment outside the U.S? I've been reading through the docs and I am aware that the REST paypal API for direct credit card doesn't work for the majority of this planet. Which brings me to the 2 things I want to clarify:
My impression of things is that the paypal merchant account has to be US based but any person with a credit card can go through paypal to pay for things they want to buy regardless of where they are. Is this accurate?
Secondly, could there possibly be a way for me to get a US paypal account, just so I can get things to work, even if my business is in some remote place outside the US or UK. Or do I simply have to forget about paypal when it comes to direct credit card payment?
There are more supported currencies that can make payments TO a valid PayPal direct credit card (DCC) merchant than countries that allow merchants to use the product. You can find a list at the bottom of this page:
https://developer.paypal.com/docs/classic/paypal-payments-pro/integration-guide/WPWebsitePaymentsPro/
This is an exhaustive list of supported countries in the PayPal system, but may not apply to customers trying to pay via DCC.
https://www.paypal.com/webapps/mpp/country-worldwide
This would be better addressed to PayPal Merchant Support # 1-888-215-5506 as there are many different federal regulations in place now that may or may not allow this to happen. From my experience in the customer support department (3+ years ago) we had Canadian merchants with US PayPal accounts with US banks linked and that worked.
Firstly, no country will give you a bank account if you dont have their visas. That means you wont be able to have a US based Paypal account. Secondly, even if you have a US bank account it will not allow you to accept payments when you are outside the US (I tried this last year and the last two days with no change).
My problem is a client wanting to retrieve credit card details from there customers via an online form.
I'm aware of an SSL certificate been purchased and I've validated and sanitized the form fields which the user fill's in.
The issue come's up here when sending the card details, I'm wanting to send them via email to my client but believe that there will be so many security issue's doing it this way.
I guess my question is how would I send the cc details from the form straight to an email while maintaining security and if its even possible for it to be 100% secure?
Note there is know payment taken on the actual form its only purpose is to retrieve the cc details.
Thanks
It sounds to me like you've receiving a bulletproof safe, opened it, copied the details on a note.
Then you go outside, find an unknown boy on the street and pay him a quarter to deliver the note to your friend just a few blocks away.
And that is why credit card fraud exists...
Doing this is not only a very, very, very bad idea (you might as well not use SSL on the page), but it would also be in violation of the merchant service agreement that you (or your client) agreed to. You have to follow the PCI-DSS standard if you are handling payment card information and this is thing #1 on the "Don't Do This" list.
If you need to handle credit card details and don't have a security team, use a merchant service provider that handles credit card detail collection for you (such as Authorize.net, Paypal, Google Checkout, Amazon Payments, etc, etc.) With those services, you simply send the user to the providers site along with an amount to be charged and a list of items it is for. The third party deals with the credit card details and then sends you a receipt code that verifies the transaction and sends you the money.
The short answer is don't. Including credit card details in an email is a bad idea.
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 have a website where I need to reward users for their involvement by paying money into their paypal account. I have a paypal business account, and would like to know if it is possible to put money into their account automatically from just having their paypal account email address.
I am developing my website using php. Ideally, I would like to have a script on my server that when executed transfers money from my business account into their paypal account.
I am new to paypal, and having looked around I am getting confused as to all of the different APIs that are in use! MassPay keeps coming up but if possible I would rather I didnt have to pay the 2% charge on each payment - is there any other options?
The payments are not for goods or services and so could be classed as a personal transfer, would this eliminate any fees?
So my questions are:
1) Is this possible?
2) Which API is most suitable?
Thanks
Yes, it's possible but you're going to end up paying a transaction fee. I would recommend you do a batch process (that is, do one large payment request scheduled at a certain time of day) through PayPal's Mass Payment API.
You can read more about this API and how to use it here.
The way PayPal stays in business is by collecting these transaction fees. If it didn't collect them, it wouldn't be nearly as successful.
If you're looking at having more options on the transaction, including some ways to try and shift around who pays the fee, you may want to look at Adaptive Payments.
The best way is to generate a paypal button in the following URL:
https://www.paypal.com/us/cgi-bin/?cmd=_donate-intro-outside
and place it at your page... You'll still have to pay some fee (although it's a low one)