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Tuesday, September 18, 2007

PayPal Payment Processing Details

What is it?

When you use PayPal's free Shopping Cart on your website, your customers can purchase multiple items with a single payment, browse your entire selection, and view a consolidated list of all their items before purchasing. The PayPal Shopping Cart is a low-cost way for you to accept credit card and bank account payments, and can be fully integrated with your website in a few easy steps.What are the benefits?Save time and money with PayPal's hassle-free Shopping Cart:

Easy to implement - no CGI scripting necessary

No up-front costs - you'll have the same low fee schedule used when you receive other PayPal payments
Sell with ease - PayPal maintains detailed transaction records on our website

Improve buyer experience - with customizable buttons and secure payments, happy customers become repeat customers

Technical Overview

"Add to Cart" Button HTML Code

The example code below shows the minimum information you need to create a PayPal Shopping Cart payment button (in this case, to purchase an HTML book):



Buy Now Buttons

Sell single items on webpages. Good for purchases that don't require a shopping cart.
Accept credit card and bank account payments. Funds are deposited into your account instantly.
You pay
transaction fees only when customers click to buy.

Add buttons to your site in a few easy steps.

No monthly fees. No commitment. No lengthy approval process.

Accurate recordkeeping: PayPal maintains detailed transaction records on our website.
Donation Buttons

Collect contributions to your cause on your website. Enable donors to choose the amount of their secure donation or set donations to fixed amounts. Good for non-profit and advocacy groups.
Accept credit card and bank account payments. Funds are deposited into your account instantly.
You pay
transaction fees only when customers click to buy.

Put the buttons on your website in a few easy steps.

No monthly fees. No commitment.

No lengthy approval process.

Accurate recordkeeping: PayPal maintains detailed transaction records on our website.

Gift Certificate Buttons

Offer vouchers good for any merchandise on your website. Research shows that customers tend to spend more than the face value of gift certificates when they redeem them. Especially good to feature around holidays.

Accept credit card and bank account payments. Funds are deposited into your account instantly.

You pay
transaction fees only when customers click to buy.

Put the buttons on your website in a few easy steps.

No monthly fees. No commitment. No lengthy approval process.

Accurate recordkeeping: PayPal maintains detailed transaction records on our website.

There are two parts to creating gift certificates: the certificate itself and the button that lets a customer buy the certificate

Subscriptions and Recurring Payments Buttons

Sell automatically recurring subscriptions from your website or from a link in an email you send. Good for for content site subscriptions, newsletter fees, club dues, or recurring donations.
Accept credit card and bank account payments. Funds are deposited into your account instantly.
You pay
transaction fees only when customers click to buy.
Add the buttons to your website in a few easy steps.
No monthly fees. No commitment. No lengthy approval process.
Accurate recordkeeping: PayPal maintains detailed transaction records on our website.
Simplify Your Shipping With PayPal
PayPal offers a free, convenient and easy way to take care of your shipping needs with a variety of helpful shipping tools - with no hidden fees.After you receive a payment, click the Print Shipping Label button on your Account Overview or History page to access the shipping tools.

With PayPal Shipping You Can:

Create postage-paid shipping labels in just minutes

Pay for shipping and insurance with your PayPal account, with no monthly fees or surcharges

Create and print a pre-filled packing slip, detailing what you are shipping to your buyer

Ship internationally with PayPal-provided Customs forms

Track and confirm the arrival of your shipments with delivery confirmation

Void your shipping label and get a refund for misprinted labels canceled within 24 hours

Print multiple U.S. Postal Service labels at once with
MultiOrder Shipping




PayPal is how individuals and businesses send and receive money online.

For Buyers

Choose to pay using your credit card, debit card, or bank account
Make
secure purchases without revealing your credit card number or financial information
Shop using PayPal on eBay and with thousands of merchants
worldw

For Sellers

Accept credit cards, debit cards, and bank account payments for
low transaction fees
Add PayPal to your website in minutes, no downtime required
Get access to a growing
user base with millions of active online shoppers
Common Questions and Answers of Paypal Payment Gateway

How does PayPal work?


PayPal can be used to send and receive payments through the internet.Once you
sign up for a PayPal account, you can send and receive money online.When you send money, you can choose to fund your payments from your PayPal account balance, a credit card, or your bank account. Recipients are then notified via an email from PayPal that they have received a payment from you.


To make a PayPal purchase:


· Select PayPal during checkout on a merchant website or eBay
· Choose to fund your PayPal purchase with a credit card, bank account, or other source
· Funds are transferred securely through PayPal and money is deposited into the seller's PayPal account

To make a PayPal payment:

· Buyer selects PayPal as a payment option on your website or eBay listing
· Buyer chooses to pay with a credit card, bank account, or other source
· Money is deposited into your PayPal account
· You can transfer money from your PayPal account to your bank account, or spend it online

Why is PayPal the Way to Pay Online?

PayPal saves you time
· Keep all your financial information in one place
· Use different credit cards for different purchases
· Make payments directly from your bank account
· No more hassle typing credit card numbers each time you make a purchase
· Faster than money orders and checks - no waiting for the mail, no waiting in line at the bank

PayPal is trusted worldwide
· More than 50 million member accounts and growing
· Used across the world in 190 countries and regions
· Widely accepted on merchant websites, preferred on eBay

PayPal is safe
· Your financial information is never shared
· Sellers never see credit card or bank account numbers
· Experienced fraud prevention team fights fraud before it happens

PayPal is cost-effective
· It's always free to make purchases
· Affordable pricing for all businesses

PayPal is easy to use
· Sign up for PayPal

How Do I Get a PayPal Account?

It's easy to get a PayPal account. From the PayPal account registration page, select Personal or Business Account, then choose the country you live in. Next, on the PayPal Account Sign Up page, enter your information, then click Sign Up.

Which PayPal Account is Right for You?


A PayPal Personal Account is the right choice if you're a buyer:
· Shop securely on merchant websites and eBay
· Make purchases with your credit card, debit card, or bank account
· Send money to friends, family, or anyone with an email address
· Receive money through bank account payments
Sign up for a PayPal Personal Account

A PayPal Premier Account is the right choice if you're a buyer and a seller:
· Accept credit card, debit card, and bank account payments for low fees
· Use any of PayPal's tools (including Shopping Cart) for free
· Shop securely on merchant websites and eBay
· Make purchases with your credit card, debit card, or bank account
· Send money to friends, family, or anyone with an email address
Note: To sign up for a PayPal Premier Account, you must register for a Personal Account. During sign-up, you'll be asked if you want a Premier Account.

Sign up for a PayPal Premier Account

A PayPal Business Account is the right choice if you're selling as a business:
· Send and receive money as the name of your business
· Accept credit card, debit card, and bank account payments for low fees
· Use any of PayPal's tools (including Shopping Cart) for free
· Shop securely on merchant websites and eBay
· Make purchases with your credit card, debit card, or bank account
· Send money to friends, family, or anyone with an email address
Sign up for a PayPal Business Account

PayPal allows members to have one Personal account and one Premier or Business account. However, each PayPal account must contain a unique email address, bank account, and credit card.

Is There an Alternative to PayPal?

Yes, there are alternative online payment services to choose from other than PayPal. However, when you're evaluating an alternative, consider the benefits of PayPal:
Why buyers prefer PayPal to any alternative:
· PayPal is always free to use for buyers. Plus setting up a PayPal account is simple.
Sign up today

· Faster than sending money orders or checks in the mail, no standing in line at the bank or post office
· Choose to fund payments with your credit card, debit card, or bank account
· PayPal keeps your financial information private. When you pay using PayPal, the seller never sees your credit card or bank account numbers
· PayPal is accepted by merchants worldwide and is the only integrated payment method on eBay.com
Why sellers prefer PayPal to any alternative:
· PayPal is the cost-effective way to accept credit card, debit card, and bank account payments, no matter how large or small your business is
· No monthly fees, set up fees, or gateway fees. You only pay low transaction fees when you receive payments
· Payments are deposited to your PayPal account instantly - no waiting for checks to clear and no trips to the bank
· Transfer money between your PayPal account and your checking or savings accounts at any time
· Advanced reporting tools effectively measure and manage your business with ease
· PayPal's dedicated chargeback team fights chargebacks on your behalf. In addition, on
qualifying transactions
, PayPal's Seller Protection Policy shields you from liability that you may be exposed to otherwise

· Highly-experienced fraud prevention team helps keep fraudulent buyers out of the PayPal network before they get to you
· Access millions of proven online shoppers through PayPal's growing network.

How do I report PayPal fraud or a PayPal Scam?


If you think you have experienced PayPal fraud or received a PayPal scam via email (e.g. a fake email pretending to be from PayPal), forward the entire email to spoof@paypal.com, and delete it from your email account. If you came across a fake PayPal website,
contact our Customer Service team.
· The industry's most experienced fraud team is on your sidePayPal processes billions of dollars in payments each year, allowing us to continually perfect our anti-fraud protections. We also work with federal law enforcement to catch criminals. As a result, PayPal's loss rate is less than half of the industry average.
· PayPal actively stops fraud before it happensPayPal looks at every payment in real-time. Our state-of-the-art fraud models and proprietary fraud engine work together to help stop fraudulent transactions before they happen. In addition, PayPal stays at the forefront of security, developing many anti-fraud technologies each year, helping to keep you safe from a potential scam.
· Buyers are safe and secure with PayPalYour security is PayPal's top priority. If you're a buyer, you can make secure purchases online without the seller ever seeing your financial information, including your credit card number. Plus, when you use PayPal to pay for a qualified listing on eBay.com, PayPal Buyer Protection provides up to
$2,000.00 USD of coverage at no additional cost.
· Sellers are protected from chargebacksIf you're a seller, did you know that PayPal fights chargebacks on your behalf? On
qualifying transactions, PayPal's Seller Protection Policy shields you from liability that you may be exposed to with a typical merchant account. From handling the paperwork to negotiating the argument, PayPal's experts fight chargebacks on the seller's behalf.

How can I protect myself from PayPal fraud or scams?

PayPal is dedicated to fighting fraud and scams. You can help protect your account against PayPal scams by being cautious in giving out your own personal information such as first name, last name, business name, email address, password, financial information (credit card, bank account number, PIN), social security number, and driver's license number.Tips to stay safe from PayPal fraud or scams:
· Log in safely: To log in to your PayPal account or access the PayPal website, open a new web browser (e.g., Internet Explorer or Netscape) and type in the following: https://www.paypal.com/
· Check the email greeting: Emails from PayPal will always address you by your first and last name or the business name associated with your PayPal account. A PayPal scam email may include the salutation "Dear PayPal User" or "Dear PayPal Member"
· Look out for attachments: PayPal emails will never ask you to download an attachment or a software program. An attachment found in a PayPal scam email will often contain a virus that can harm your computer or compromise your PayPal account
· Never give out personal information: If we require information from you, we will notify you in an email and request that you enter the information only after you have safely and securely logged in to your PayPal account.Often, PayPal scams will request details such as your full name, account password, credit card number, bank account, PIN number, Social Security Number, or mother's maiden name.
To learn more about protecting your PayPal account and spotting PayPal fraud or scams, please review our
Security Tips.If you believe that someone may be using your account without your permission, please contact us immediately.

How secure is the PayPal site?

The PayPal site is highly secure. We use industry-leading technology (such as SSL) to keep your information safe.PayPal automatically encrypts your confidential information in transit from your computer to ours using the Secure Sockets Layer protocol (SSL) with an encryption key length of 128-bits (the highest level commercially available). Before you even register or log in to the PayPal site, our server checks that you're using an approved browser - one that uses SSL 3.0 or higher.Once your information reaches the PayPal site, it resides on a server that is heavily guarded both physically and electronically. PayPal servers sit behind an electronic firewall and are not directly connected to the internet, so your private information is available only to authorized computers.
What Makes the PayPal Site So Secure?

· TechnologyOur state-of-the-art fraud models and proprietary fraud engine work together to help stop fraudulent transactions before they happen. In addition, PayPal stays at the forefront of security, developing many anti-fraud technologies every year.
· ExperienceWith PayPal, you've got the industry's most experienced fraud team on your side. PayPal processes billions of dollars in payments each year, allowing us to continually perfect our anti-fraud protections. As a result, PayPal's loss rate is significantly lower than the industry average. We also work with federal law enforcement to catch criminals.
· PrivacyPayPal is committed to protecting the privacy of our users. When you send or request money using PayPal, recipients never see your bank account numbers or credit card numbers. They only see your email address, date of sign-up, and whether or not you have completed PayPal's Verification process.

What is the relationship between eBay and PayPal?


On October 3, 2002 eBay acquired PayPal. eBay and PayPal are now working together for a common goal: to help buyers and sellers trade online.Today on eBay, PayPal is the only online payment service integrated with the eBay platform. That means when a seller selects PayPal on the eBay Sell Your Item form or any eBay listing tool, the PayPal logo will automatically appear on the View Item Page. Plus, buyers can easily pay using the PayPal Pay Now button in a closed eBay View Item page, End of Auction email, or My eBay.Your privacy is very important to both eBay and PayPal. Your information may be exchanged between eBay and PayPal only in accordance with each company's respective Privacy Policy. Should there be any changes to either site's Privacy Policy, you will receive advance notice of the changes.Though there is a strong relationship between eBay and PayPal, eBay is not the only place you can use PayPal. Millions of merchant websites worldwide accept PayPal as a payment method. In fact, many eBay sellers prefer PayPal on their off-eBay websites.Shop Using PayPal On and Off eBay
· PayPal is accepted by merchants worldwide, and is the preferred method of payment on eBay.com
· Whether you purchase on eBay or another website, PayPal provides secure, private transactions
· With PayPal, you choose to fund your purchase with a credit card, bank account, or other sources

Why Should I Use PayPal on eBay?

Whether you're a buyer or a seller, PayPal is preferred on eBay. PayPal is also the only online payment solution that is fully-integrated with eBay, providing greater benefits and ease of use to both buyers and sellers: Buyers can easily pay using the PayPal Pay Now button in a closed eBay View Item page, End of Auction email, or My eBay. Sellers can select PayPal on the eBay Sell Your Item form or any eBay listing tool, and the PayPal logo will automatically appear on the View Item Page.Why buyers prefer PayPal on eBay:
· PayPal is always free to use for buyers. Plus, setting up an account is simple, sign up for a PayPal account
· Faster than sending money orders or checks in the mail, no standing in line at the bank or post office
· Buyers can choose to fund payments with a credit card, bank account, or other source
· PayPal keeps financial information private. When a buyer pays using PayPal, the seller never sees the credit card or bank account numbers
Why sellers prefer PayPal on eBay:
· PayPal is the cost-effective way for eBay sellers to accept credit card, debit card, and bank account payments
· Sellers only pay low transaction fees when they receive payments for eBay items. No monthly fees, set up fees, or gateway fees
· Payments are deposited to the seller's PayPal account – no waiting for checks to clear and no trips to the bank
· Sellers can easily transfer money between their PayPal account and their checking or savings accounts
· PayPal provides advanced reporting tools that help eBay sellers to effectively measure and manage their business with ease
· PayPal's dedicated chargeback team fights chargebacks on a seller's behalf. In addition, on
qualifying transactions, PayPal's Seller Protection Policy shields sellers from liability that they may be exposed to otherwise
· PayPal's highly-experienced fraud prevention team helps to keep fraud out of the PayPal network
· Most buyers look for PayPal on eBay listings

Is There a PayPal Phone Number?

Yes, there is a PayPal phone number you can call for immediate inquiries. For the quickest service, we recommend using our Help Center before you call the PayPal phone number.Our easy-to-use
Help Center can answer your questions quickly. Since PayPal's Customer Service Representatives answer many inquiries each day, the Help Center features a database of questions with answers ready for you. To visit the PayPal Help Center, simply click the Help link located on the upper right corner of any PayPal page. Then, type your question into the search box at the top of the Help Center page, and you're sure to find the answer you're looking for. If you do not find the answer you need using the Help Center's search box, the PayPal Customer Service team is also ready to answer your questions via email. When you email us with your question, we'll send you a prompt reply. If you have an issue of immediate concern and cannot find your answer in the Help Center, or via email, you can use the PayPal phone number found in our Help Center to call us, please.

How Do I Contact PayPal Customer Service?

At PayPal, we have over 800 customer service representatives standing by. From questions about opening an account to inquiries about using merchant tools, the PayPal Customer Service team is ready to help you.We understand how valuable your time is. As a result, we have developed an easy-to-use
Help Center, where we can answer your questions as quickly as possible. Because the PayPal Customer Service team answers many inquiries every day, we've got a database of questions with answers ready to help you. Simply type your question into the search box at the top of the Help Center page, and you're sure to find the answer you're looking for. To visit the PayPal Help Center, simply click the Help link located on the upper right corner of any PayPal page.If you do not find the answer you're looking for in the Help Center, PayPal Customer Service representatives are ready to answer your questions. Send us an email and we'll reply promptly.

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