Does anyone know a way to facilitate payment between two parties via our website similar to how eBay facilitates payments between sellers and buyers, with buyers using their credit cards to make the purchases? We built a solution around PayPal, but now PayPal is telling us that we cannot use it because that is against the credit card association rules.
Here's what they wrote:
Per our Acceptable Use Policy, under credit card association rules, PayPal
cannot permit the use of the PayPal service as a funding method for payment
processors to collect payments on behalf of merchants.
I would be greatful for any leads. As a start-up, third-party payment aggregation services are very cost-prohibitive.
I think you need to set yourself up as an escrow service between the buyers and sellers. Rentacoder.com does something like this: http://www.rentacoder.com/RentACoder/DotNet/SoftwareBuyers/SoftwareBuyerFAQ.aspx#SafeProjectEscrow
If you are looking to move away from paypal and not be an escrow service yourself, look at escrow.com and its competitors to just use an escrow service.
Related
Is that possible to charge paypal customer manually. I can do it like user get redirected to paypal to confirm all the details but i do need that user allow my system to charge him every month without any confirmations from his side.
Currently i'm using the same approach as listed Paypal .Net Sdk example
But it doesn't have such a func to manually charge a user. If someone could chare links it'd be grateful.
Thanks in advance.
without any confirmations from his side.
That would require having a billing agreement on file. There are some reference transactions or "future payments" API solutions that use this, but the feature requires business approval from PayPal.
An alternative that does require confirmation from the buyer would be to send them a PayPal invoice, manually via https://www.paypal.com/invoice/create or programmatically via the Invoices API
We have one application that sell online account as service and we have work flow as per blow requirement.
With user registration charge $10 instant and set recurring from next month
If user add addons then user will charged extra $1 instant and update recurring with $1 extra (so $11)
Same as unlimited addons with extra charges.
What methods is perfect with Paypal.
I know it's really easy with Authorized.Net CIM & Recurring method. I am looking for something similar in Paypal.
For many time instant charge I think I need to create customer account with store credit card in Paypal but I don't want to create customer's Paypal account. Might be that customer have already account than my application will give me error and also there are many other problems too like user can remove credit card any time from account that I don't want.
I show there are so many different methods available in Paypal but did not get it which one is perfect for requirement.
I want to do everything on my website and don't want to use any express checkout method on Paypal side and I am working with Asp.Net with C#.Net
Thanks in advance.
The Recurring Payments API is what you want. Specifically, Express Checkout would be for PayPal payments and Payments Pro (DoDirectPayment / PayFlow) would be for direct credit card processing without a PayPal account.
I have a requirement given to setup shopping cart to accept payments from customers having Paypal accounts. Presently, all the payments are accepted through Credit Cards and Electronic Fund Transfers using Chase Paymentech Gateway.
I did some search on internet and found out that there is a way by which I can accept Paypal payments using Chase paymentech gateway without making much of the changes to my existing system.
But, my problem is that, I cannot find more details on how to do this. The Chase gateway webservice doesn't expose any methods to do this. I have also scanned through the "Chase Paymentech Orbital Gateway SDK" and "Orbital Gateway Interface Specification" documents.
I just have one link which says that it is possible.
https://www.chasepaymentech.com/paypal.html
Also, I know that I have to get this functionality enabled from Chase (for my merchant id) in order to accept payments through Paypal accounts.
All I am looking here is for someone who can guide me on how to do this (accepting payments from paypal accounts using chase gateway) and share any web articles/documents related to it.
Thanks a ton !!
I have some questions about Paypal adaptive payments as guest:
Do the users that want to do a purchase using their credit card information require a PayPal acount?, Is there any way to avoid this?. I'm considering to have many clients on my site thay may not have PayPal account.
Does guest payment supports the Parallel payment Schema or the Chained payment Schema?
If I'm using the guest payment default interface (the one provided by PayPal), should I still worry about having my site to be PCI compliant?. I'm not storing any credit card information about the users.
I've tried to find examples about how to invoke the adaptive payment api to get the Guest payment working without any success. Does anyone know where can I find an example for this?
Is Adaptive payment a feature of Paypal Standard?, or do I need to get the PayPal Pro subscription in order to get the Adaptive Payment Api working on my site.
Can anyone give me some assistance with all these?. Thanks a lot.
Well, here's what i found so far:
Do the users that want to do a purchase using their credit card information require a PayPal acount?, Is there any way to avoid this?. I'm considering to have many clients on my site thay may not have PayPal account.
Not required. You can use adaptive payments and pay as guest. Both Rest API and classic API support this payment schema. The Rest API relies on your site to handle security and PCI complience, on the second one is handled by paypal.
Does guest payment supports the Parallel payment Schema or the Chained
payment Schema?
Clasic API adaptive payments support to add multiple receivers and amounts when sendin payments, so yes, it is supported with this schema. Not sure about Rest API. The examples that I've found use just the Paypal to Paypal schema.
If I'm using the guest payment default interface (the one provided by
PayPal), should I still worry about having my site to be PCI
compliant?. I'm not storing any credit card information about the
users.
If you're using native Embedded payment flow with the dialogs and the javascript functions that paypal provides, no, it is not required. Paypal takes care of this for you. If you're using the Rest API, you have to use the payment with creditcard stored on paypal vault (however this force the buyer to have a paypal account). If you're using the Rest API to get credit card data, you have to design your site to be PCI Compliant.
I've tried to find examples about how to invoke the adaptive payment api to get the Guest payment working without any success. Does anyone know where can I find an example for this?
https://developer.paypal.com/webapps/developer/docs/classic/adaptive-payments/integration-guide/APIntro/ has Embedded flow example (however its really vague), http://paypal.github.io/ has examples for classic api implementation
Is Adaptive payment a feature of Paypal Standard?, or do I need to get the PayPal Pro subscription in order to get the Adaptive Payment Api working on my site.
Paypal pro is an account feature, not really related with the API for adaptive payments, or at least that is what I've found so far.
I'm designing a site using ASP.NET and I would like the content to be subscription based. For the most part, everything will be charged to a credit card every month. I know I can store the CC in the database but is there another more secure solution to this?
This isn't a giant project so I need some solution that's simple, quick, secure, and reliable that one developer can do.
Most likely it depends on your payment gateway and/or merchant account setup. Some payment gateways like Authorize.net will handle the recurring billing for you.
Use a payment processor that will handle credit card recurring charges. Most big processors will do this for you, and store the credit card information.
-Adam
Is it an option to NOT store the credit card data?
See this if you need some encouragement:
PCI DSS Compliance
If you store credit card information then you must be PCI compliant. Some payment gateways like Authroize.net will handle recurring billing for you but will only charge the credit card and that is it. If a credit card fails after that due to expiration you will never know, your customer will never know and you will lose that customer.
There are services out there that will charge your customer's credit card every month, automate the process if a credit card fails, automate emails to your customers, take care of the PCI compliance so you dont have to deal with it and more. One of these services is Chargify. That way you dont have to store CC information and your customers will be billed correctly.