Does Walmart Accept Apple Pay?

  • Does Walmart accept Apple Pay? Unfortunately, the answer is NO and the main reason Walmart doesn’t take Apple Pay because they’d rather have you use Walmart Pay – in which you have to scan QR Code at Walmart Checkout Lane, and that’s it.
  • Walmart Pay doesn’t use near-field communication (NFC).

Walmart is the biggest retail business in America and has many stores across the country with Revenue in 2021 – 572.8 billion USD (source). Walmart stores offer convenience and low prices. They also have bulk items at affordable prices. 

Walmart has not been afraid to experiment with new payment methods. Apple Pay is a growing source of digital payments for consumers. It begs the question: Does Walmart Accept Apple Pay?

What is Apple Pay?

Apple Pay allows you to make contactless payments with Apple products. You can store your debit or credit cards digitally on your Apple device. It is the world’s largest mobile payment provider, with 507 million users worldwide. Its goal is to encourage people to ditch their wallets and store their cards on iPhones. This allows you to pay using your phone and not a credit card.

Walmart Pay: How to Pay with iPhone at Walmart

You are in luck if you’re an iPhone user and still want to make a purchase at Walmart using your smartphone.

Why doesn’t Walmart accept Apple Pay?

They had another reason to refuse Apple Pay before they launched Walmart Pay. Their loyalty to Merchant Customer Exchange, or MCX, was the reason.

The company (MCX), accepts only payment solutions that use CurrentC QR codes. Walmart doesn’t use MXC because it is a direct competitor to Apple Pay.

Walmart won’t accept Apple Pay because they can’t capture customer data during a purchase.

This information is extremely valuable because it allows Walmart to send customers customized recommendations and notifications via the Walmart Pay app.

Looking more at this topic?

PayPal Sports Betting Guide for Beginners by Tim Harrison

PayPal is one of the most trending payment methods in Today’s world. As a result, almost every gambling site offers a PayPal payment option these days. However, bettors who haven’t used PayPal before might not know how to use it properly. Also, gamblers need to learn more about the payment method before they use it. If you are not sure where you can learn about the basics of PayPal, we are here to help. 

Outsource IT Today interviewed Tim Harrison last April, and we discussed in detail PayPal as a payment method in the sports betting industry. We got to know a lot from the interview. Next, our team dug out more details surrounding the topic, and then finally, after collecting all the info, we have written this PayPal sports betting guide. Keep reading to learn more about PayPal bookies!

PayPal Overview

Before we delve into the other details of PayPal as a payment service in the gambling industry, we would like to brief you on what exactly PayPal is. Well, PayPal is an online payment method using which you can easily deposit and withdraw money within a short span. It is much like an e-wallet where you can store your funds and use them whenever required. PayPal is a highly secure platform where all your personal details are stored safely. You can keep your funds in PayPal as long as you want to. As PayPal is used in most countries, you can use the money stored in PayPal even while traveling. 

PayPal History You Must Know

PayPal was not launched as a payment service initially. When Luke Nosek and Max Levchin developed it in 1998, the platform was merely a security software. It was called Confinity then. Then in 1999, they changed their business scheme and made it an official e-wallet platform. However, it was not launched in the market until 2002. But once it got out, people loved the software, and it rapidly became popular. Today, PayPal holds one of the most prestigious positions among all the payment methods and is used by people from various countries all over the globe.

How to Make a Deposit Using PayPal?

Now that you know what PayPal is and how it got launched in the market, you must be wondering how you can deposit money to your gambling account using PayPal. The steps to depositing money using this payment method are super easy. Have a look below:

  • Visit the payment page of the betting site. 
  • There you need to click on the ‘deposit money’ option. 
  • Now, you will see multiple payment options lined up. Of all those, you need to choose PayPal.
  • After choosing the desired payment method, PayPal, you need to enter the deposit amount.
  • Once done, click on the ‘confirm’ option, and the money will be deposited in your gambling account soon. 

The money usually gets deposited within just a few minutes. You don’t have to worry about losing your funds because PayPal is a secure payment service. However, fraudulent activities might occur depending on the betting site you choose. Some betting platforms dupe the gamblers by taking all their money. That is why you must be very careful while choosing your desired site. Tim Harrison has shared more on what things you should keep in mind while choosing the ideal betting platform. Just keep reading!

How to Make a Withdrawal Using PayPal?

The withdrawal method is much like the deposit method as the steps are quite similar. However, the withdrawal time is usually longer than the time taken for depositing funds. Usually, if you use PayPal as a payment service to withdraw money, the time taken is around two to five business days. Three days is the average time taken, but it also depends on the betting site. Hence, try to choose a renowned casino so that you can withdraw your winnings quickly. 

The steps to withdraw money from your betting account using PayPal are:

  • Open the betting site in your browser, log in, and visit the payment page.
  • You need to choose the ‘withdraw money’ option on the payment page. Remember, you can withdraw your winnings only if you have met your wagering requirement. So check that before you start the withdrawal procedure.
  • If you have successfully met the turnover requirement, choose your withdrawal method, PayPal.
  • Now enter the amount you wish to withdraw. Make sure you choose the right currency. 
  • Once done, confirm the transaction and wait for a few days until the money reaches your bank account. 

Withdrawing money using PayPal is not only easy but also safe. There are no cases where PayPal has scammed people. Even if it happens, the betting site is to be blamed because PayPal has a super-secure environment for all your transactions. 

Popular Countries that Accept PayPal for Sports Betting and the Currencies Accepted

PayPal is accepted in more than 200 countries worldwide. Hence, we think it can be used in your country as well. But we recommend you check the PayPal regulations of your country before you use the service. 

A few countries where sports betting is quite popular, and you can make your gambling transactions using PayPal are:

  • United Kingdom
  • New Zealand
  • Norway
  • Chile
  • Ireland
  • Canada
  • India
  • Iceland
  • Malta

Players are often not sure about which currencies are accepted in PayPal. So here we have a list of the top currencies accepted by this payment app:

  • USD
  • EUR
  • CAD
  • NZD
  • INR
  • SEK
  • NOK
  • GBP
  • BRL

Best PayPal Sports Betting Sites Recommendations by Outsource IT Today

Tim Harrison has selected a few betting sites that are incredibly popular for serving the best betting opportunities and bonuses to the members. We cross-checked his recommendations and found that these sites are indeed the best in the sports gambling industry and all of them accept PayPal transactions. Have a look below:

  • Betway
  • 22Bet
  • William Hill
  • 10Bet
  • BetSafe
  • TonyBet
  • VBet
  • InterBet
  • STS
  • LVBet

PayPal Alternatives to Use

We have some recommendations if you are looking for some PayPal alternatives that you can trust and make quick transactions. These are the other legitimate payment methods that you can use for safe and secure transactions on most betting sites:

  1. VISA
  2. MasterCard
  3. Skrill
  4. Neteller
  5. PaysafeCard
  6. AstroPay Card

Final Word

We hope that this PayPal sports betting guide helped you learn a lot about how you can use this excellent payment method while betting on your favorite sports. The best part about PayPal is how it values the customers’ security. All your data will be safe with them; hence, you can make fast transactions without worrying about losing your data to scammers. Another thing that Tim Harrison loves about PayPal is its low charges. 

If you are not sure whether or not you want to make payments using PayPal, we recommend you try it once. PayPal is trustable, quick, and superb in all other aspects. So are you planning to use PayPal while placing your next bet? Do share with us!

How to Integrate Apple Pay into Your App or Website

In today’s fast-paced world, people want to reduce time spent on routine tasks as much as possible. We all expect online purchases to be easy and convenient. And this, basically, means that we want to buy things with just one click without wasting our precious minutes on entering billing, shipping and contact information each time at the checkout.

Apple Pay service was introduced in 2014 and it has more than 441 million users worldwide today. Why did it become so popular in such a short time-span? The main reason is that Apple Pay allowed iPhone, Apple Watch, iPad and Mac owners to get rid of their physical wallets and make secure payments in stores, in iOS apps and on the web with the help of their Apple devices.

According to statistics, 38 percent of online merchants globally accepted Apple Pay. Want to join them? In this article, we’ll try to explain how to add Apple Pay to your website or app. Send this guide for your developer or hire software programmers.

Is Apple Pay a good fit for your business?

We already mentioned that users just love Apple Pay because it’s an easy and convenient way to make purchases. So the advantages for buyers are pretty much obvious. But what about the selling side? Let’s look into this.

Apple Pay covers a wide range of transactions and allows online merchants to sell almost anything:

  • physical goods (for example, clothes, groceries, books etc.)
  • services (for example, club membership)
  • bookings (for example, hotel reservations)
  • tickets

However, some reasonable exceptions still exist. For example, it’s not allowed to use Apple Pay for selling such goods as cigarettes, tobacco products, weapons, pornography etc. You may find the full list of prohibited uses here.

If your business activity doesn’t fall within the above exceptions, there should be no doubt:  integration of Apple Pay into your website or app is the right decision.

Note: Apple Pay does not replace In-App Purchase. You still need the later to sell virtual goods, for example, premium content and subscriptions within your iOS application.

Preparation stage

This stage does not require any coding, you just need to create the environment for Apple Pay integration.

First, you need to find a payment provider that supports Apple Pay in your region. To do this, see this list on the Apple Pay page. This is the optional but highly recommended step because if you don’t have an established system in place, handling card payments can be quite challenging.

NOTE: Make sure that Apple Pay is available in your country (see the full list of countries and regions here).

For Apple Pay on the web, web pages that incorporate Apple Pay must be served over HTTPS and support TLS 1.2 protocol.

Now, you have to set up Apple Pay Requirements.

1. Create a Merchant ID

Merchant ID is needed to identify your business as a merchant that can accept Apple Pay payments on your website or mobile app. That’s easy. Just log in to your developer account here and go to Certificates, Identifiers & Profiles.

After that, choose iOS, tvOS, watchOS (from the pop-up menu).

Then, choose App ID in the Identifiers section.

Click add button “+

Enter your name in the Name field.

After that, enter Bundle ID as instructed.

Check Apple Pay Payment Processing box in the Apple Services section and click Continue -> Submit.

Then, find Merchant ID in the left column.

Click add button “+” in the upper right corner.

You’ll see this page:

Add a description (it can be just the name of your app or website) and identifier name in the following format: merchant.com.YourAppName. After that, click Continue.

Review the Settings and click Register -> Done.

Now, navigate to App ID (which we’ve just created). Check Apple Pay Payment Processing box and click Edit.

After that, select your merchant ID and check the box.

Now, your App ID should look like this:

2. Create Payment Processing Certificate

Payment Processing Certificate is needed to encrypt and secure outgoing payment data. How to set up it? Follow the steps below.

Navigate to Certificates, Identifiers & Profiles -> Identifiers -> Merchant IDs.

After that, select your merchant ID on the right and click Edit.

You’ll see Payment Processing Certificate section. Click Create Certificate.

Apple Pay integration can be performed in no time if you hire professional developers. Still looking for a reliable team?

Certificate signing request

 If you don’t have a certificate signing request (CSR), you need to create it to create. To do this, launch Keychain Access that is Mac OS system utility. It’s located in /Applications/Utilities on your Mac.

 Then, choose Certificate Assistant ->Request a Certificate from a Certificate Authority.

 Enter necessary information: your email address in the User Email Address field and a name for the key in the Common Name field. The third field, CA Email Address, should be left empty.

 Click Save to disk ->Continue.

 Check out this Apple help page to make sure that you didn’t miss anything.

 To proceed with Payment Processing Certificate creation, click Choose file. Then select CSR file (it has .cert SigningRequest extension) and click Choose – > Continue -> Download.

The downloaded certificate file will have .cer extension. Click Done.

Note: you need to recreate your Payment Processing Certificate every 25 months.

3. Create Merchant Identity Certificate (for websites only)

This certificate is needed to authenticate communication with the Apple Pay servers. To create it, follow the steps below.

Navigate to Certificates, Identifiers & Profiles -> Identifiers -> Merchant IDs. Select your merchant ID on the right and click Edit.

Under Merchant Identity Certificate Section, click Create Certificate.

After that, click Choose file and choose your CSR to upload.

Click Choose – > Continue -> Download.

The downloaded certificate file will have .cer extension. Click Done.

Note: you need to recreate your Merchant Identity Certificate every 25 months.

4. Register and verify your domain (for websites only)

To register a domain, navigate to Certificates, Identifiers & Profiles -> Identifiers -> Merchant IDs. Select your merchant ID on the right and click Edit.

Under Merchant Domains Section, click Add domain.

After that, enter your domain name and click Continue -> Download.

Place the file in the specified location and click Verify. After the verification is completed, click Done.

Note: you’ll need to verify a domain every time its SSL certificate expires.

Watch this video to make sure that you didn’t miss anything.

5. Enable Apple Pay in Xcode (for apps only)

Go to XCode and click the file icon in the upper left corner.

Select the target project and you’ll see the project editor on the right. Choose Capabilities.

You’ll see Apple Pay section. Turn it ON.

Refresh the page — you’ll see your Merchant ID in the Merchant IDs field.

Finally, make sure that all Steps are checked.

Implementation stage

This is the part where coding starts. If you have some basic programming knowledge, you can do it yourself.  Alternatively, if you don’t feel confident about writing a code and want to do things right, reach out to your developer.

1. Support Apple Pay on your app or website

First of all, you need APIs that will allow you to determine if a user has the Apple Pay capable device and if Apple Pay is set up on it. To check Apple Pay availability:

  • for app, use PassKit framework. You can find detailed instructions on how to do this here.
  • for website (on Safari only), use JavaScript-based APIs. You can find detailed instructions on how to do this here.

2. Create an Apple Pay button and mark

All websites and apps that accept Apple Pay must display Apple Pay mark and Apple Pay button whenever payment options are shown.

  • download Apple Pay mark and see its usage guidelines here.
  • choose your button style here.
  • refer to Apple Pay on Web pages for detailed programming guidelines.

3. Customize a payment sheet

Tapping the Apple Pay button should lead to a payment sheet (see on the right). Such payment sheet must contain information that is required to complete the purchase, for example, payment card details, shipping options, contact information etc. It’s up to you to decide what information to present on a payment sheet, but you cannot request data that is not related to the transaction.

For detailed instruction on customizing Apple Pay payment sheet, see Human Interface Guidelines.

Congratulations!
You’ve just implemented Apple Pay in your app/website!

Why is Apple Pay a must for my business?

Apple Pay provides simpler payment envronment for your clients. Moreover, Apple Pay is much safer than usual payment gateways like PayPal because it does not store personal information like billing address or credit card number. Clients are more likely to buy something if they can do it in a simple and safer way. So with Apple Pay you can increase your customer loyalty and business revenue.

Is Apple Pay free for the merchants?

Yes, Apple does not charge any fees if you use Apple Pay in your store or restaurant. All transactions no matter credit or debit ones, will be handled and processes by your payment networks.

Final thoughts

Integration of Apple Pay into the app or website is one of the easiest and cheapest ways for merchants to improve customer experience. We all want to be cared for and we really appreciate if a company not just tries to sell us stuff, but also makes our life easier. Follow the steps in this article to implement Apple Pay yourself.

How Interac Became The Most Popular Payment Method in Canadian Casinos

Although online casino gambling had been legalised in Canada, there was a major problem with how Canadians transferred their real money into an online casino platform just so they could enjoy their favourite casino game. While are legal issues that come with casino banking in Canada, the advent of Interac partnering up with Gigadat Solutions Inc, solved most of those issues. This pivoted Interac online and e-transfer to the peak of popularity in the country and it became the standard of online casino payments for the average Canuck.

The Canadian province of Ontario today (4 April) officially launched its legal and regulated online gambling market.

The Canadians could only play online casino games and gamble at sportsbooks with their credit cards. MasterCard and Visa partnered up with banks across the world to put an end to this type of transaction, and so the search for other methods of payment for Canadian gamblers returned. Skrill and Neteller emerged as the possible best for the Canucks in their search.

Legal Issues Hindering Online Casino Payment Processors

Back in September 2006, the US Senate released a bill that made online gambling illegal in the United States, this transformed into Neteller being charged by the government for “illegally” processing online gaming transactions and ESI. This also led to a Canadian payments provider being charged, then it became the chain of events that led to several legal problems arising in the industry.

Although no bill was passed in Canada to make online gambling illegal, the lack of response was left open to interpretations. The online casinos operating in Canada can only be given licenses by the provincial governments. Because foreign companies cannot be prosecuted under the Canadian Criminal Code except the companies that have a physical presence in the country, Neteller and Skrill, which both have a physical presence in Canada, decided to not run the risk of operating in the country and thus packed their bags.

Arrival of New Canadian Casino Banking Methods

Over the last decade, several payment providers came and left the online casino banking range. EcoPayz, iDebit, and Instadebit are the latest e-wallet companies to enter that market, while PayPal never concerned themselves with the industry at all. Paysafe, Neosurf and Flexepin also emerged in the market as they were accepted by most online casinos operating in Canada. However, they can only be used to deposit cash into their casino account, if they wish to withdraw they will have to choose another method to achieve that aim, which in most cases is usually the ancient bank wire or cheque in the mail.

How Interac Online Became Popular

Online casino banking or not, Interac is the most widely used payment processor in Canada. All Canadians that have a bank account probably know of Interac e-Transfer, as the payment processor has partnered with almost every major bank and credit union across the country, and they all offer Interac Online.

LeoVegas was the first INTERAC online casino in Canada to start offering Interac Online as a deposit method to Canadian gamblers. That was just three years ago. Currently, almost all top-class online casinos in Canada is now offering Interac as a mode of payment. Gigadat Solutions Inc’s partnership with Interac made this possible, as it is responsible for connecting Canadian banks with merchants.

Interac Online & E-Transfer

Using Interac as a payment method in online casinos became so popular due to its ease of use. However, there are two main online casino types, Interac Online and e-Transfer. Interac Online is popularly known to be a direct banking method that lets you transfer cash directly to your casino account with the aid of Gigadat as the third-party processor that will link the two parties together. While e-Transfer is a type of payment that is processed by a financial institution. Gigadat is still responsible for processing the information needed to complete the transaction.

While both types can be used for deposits, only e-Transfer can be used for withdrawals. Interac e-Transfer is available at every bank and credit union running in Canada, and it also takes more time to process deposits while Interac Online are instant when it comes to deposits.

Interac is an online payment solution that is based in Canada, so this won’t stop being a payment method for Canadians in online casinos unless it is regulated by the Canadian government. Interac will be Canadians’ stable, secure and fast casino payment method for a long time.

How to get PayPal Payment Gateway for my Website?

Whether you are using a website to sell goods or services, the choice of the right payment system may directly affect your conversion rates. Needless to say, that competition in the e-commerce sector is high and it is always a good idea to process customer’s payments through your own web page instead of relying on 3rd-party applications and external services.

Generally, the payment system is used to deliver transaction information: receiver, amount, method of payment, etc. There are plenty of online payment gateways nowadays.

The most popular payment systems that facilitate E-commerce & SaaS are:

PayPal

Google Payments

Stripe

Dwolla

Braintree

Amazon payments (Amazon Pay)

PayPal Gateway stands out as the most notable and widespread online payment system to your Website.

Thanks to its excellent security reputation PayPal has a massive consumer base. As for merchants the system offers easy setup process and requires a little technical knowledge to get started. This article covers key topics of PayPal payment integration and main APIs that are used for development.

Want to know what other APIs can help you scale your business? Find the list of top APIs for business in this article. 

Pros and Cons of Integrate PayPal Payment System

Advantages:

  • High transaction speed.
  • Secure – safe for users and protected by PayPal Purchase Protection.
  • Widespread – 200 countries, 26 currencies, 200 million users.
  • A wide variety of APIs and interaction methods to choose from.
  • Vast knowledge base – thanks to PayPal popularity there are tons of manuals, community threads, educational material, etc.
  • Trusted – loyal audience and excellent reputation. The system is well known for its safety and has already become a standard solution among e-commerce platforms.
  • There is an option to pay not only with a credit card but also using PayPal account.

Disadvantages:

  • No currency conversion option.
  • A wide range of APIs and methods makes it difficult to choose a suitable one.
  • PayPal Sandbox is a separate platform. That imposes some limitations and slightly lowers the interaction speed. Also, this may cause some discrepancies and issues at the stage of moving to production version.
  • There is a problem with IPN notifications reception and webhooks (especially in Sandbox version). However, there is always an option to resend notification from admin panel of PayPal.

Payment methods supported by PayPal Solutions

Express Checkout. Fast, no setup fees. Upon processing the payment from PayPal side, user is redirected back to our web application. This method is available only for users who already have a PayPal account.
Direct Payment. This API is used to accept credit card payments from customers who don’t have PayPal account. The method is a way to integrate a transaction process into your website. Moreover, Direct Payment improves customer experience as it is easy to use and familiar to them.
Recurring payment. The subscription as it is. There are several APIs that can implement this method.
Mass Payment. It is used to split payment between multiple accounts.

Getting started

First, you need to sign up and provide PayPal with information about your product/service/company, in order to verify your “lawful alignment”. You can do this here.

You’ll receive an access key upon completion. Keep that key safe! It’s your id so that the service could recognize your app and its unique settings.

  1. Go to PayPal Payment Buttons.
  2. Select a button type to create. The “Buy Now” button is a great choice if you sell only one or a few items on your site. If you sell multiple items on your site, choose the “Shopping Cart” button to let your customers add an item to their shopping cart.
  3. Enter the item name and price. You can also customize the button with additional features. Click Create Button.
  4. Click Select Code to select the button code.
  5. Copy and paste the button code in to your own web page code.
  6. This new button will appear on the “My Saved Buttons” page if you’d like to edit it at any point.

You can always edit your button. Click here to see how.

Tip:

  • If you’d like to allow your customer to provide feedback, create a ‘Text Entry’ field and name it. This field will appear above your button.
  • The ‘Email URL’ option is only available if you are not using any drop down menus, text boxes or user selections. If these selections have been made you will be required to use the HTML code to create your button. We cannot send a URL with these options.

How to Integrate PayPal payment Gateway to your Website

Get an API

On My Apps & Credentials) click “Create App”. Select REST API. This is the most popular API for development, so we’ll use it as an example.

All necessary settings and authentication for API access are in SANDBOX API CREDENTIALS tab.

Sandbox Account

Configure settings from SANDBOX WEBHOOKS and SANDBOX APP SETTINGS, in case you continue working in a sandbox environment. Next, create a test user (SANDBOX – Accounts tab) in order to proceed with Sandbox.

NOTE: It takes several hours for settings to apply.

Log into sandbox.paypal.com (for SANDBOX) or paypal.com under main (owner) account. Go to profile settings > My selling tools tab and fill in all required fields.

NOTE: Don’t forget to set IPN notifications up and assign URL in Instant payment notifications.

Principles of communication between PayPal and user app

  1. The application makes a request. It is app’s responsibility to create a transaction and send it to PayPal via specific payment method or API.
  2. PayPal works with banks. If your transaction is processed and validated properly (otherwise you’ll get an error), PayPal will send a request to the bank.
  3. PayPal sends notifications (IPN). Whether bank accepts or denies the transaction, PayPal sends a notification to your app.
  4. Instant Payment Notification (IPN) tab.
  5. It’s your responsibility to create proper methods for the app to process IPNs.

APIs overview

PayPal supports two data transfer formats to send requests and respond. Both are made using HTTP protocol:

  • NVP (Name-Value Pair).
  • SOAP (Simple Object Access Protocol).

It is preferable to use NVP because of its flexibility. This article covers APIs and SDKs that goes with NVP format.

NOTE: It is not recommended to use SDK for PayPal development. Some methods may change over time, this could lead to potential failures.

Website Payments Standard API. This is the simplest way to make a payment. It allows paying by card or via PayPal account. The payment is processed from PayPal side after that customer is redirected back to your site’s confirmation page. In the best case scenario, you just need to send payment data using POST request.

NOTE: Although it is the easiest way to process PayPal payments, you can check the transaction status only by IPN.

Express checkout. This is the SDK used to process Express checkout payment method. It is used to pay via PayPal account.

NOTE: Express checkout available for Premier and Business members only.

Checkout flow:

  1. SDK makes an API call to get a token from PayPal and sends transaction details.
  2. If the token is granted, a customer will be directed to PayPal to select payment method and shipping address.
  3. The customer makes or denies the payment.
  4. PayPal returns customer to your site.
  5. API makes a call to retrieve transaction details.
  6. Customer completes an order.
  7. API makes a call to request payment status.
  8. PayPal makes the transaction and sends IPN, or you can check status manually through transaction history in your account.

ADVICE: Don’t rely on PayPal’s IPN. There is always a chance that your server won’t be available during notification session. Use your own cron to check payment status.

Transaction status can be obtained in PayPal API by requesting “search for transactions for the period”. Exact methods of making such call you can find here.

Adaptive Payments. With the help of Adaptive Payments API you can select the most suitable payment scenario. For example: to split payment between multiple peers. Learn more here.

Payflow. Payflow API SDK is used for direct payments. Direct payment refers to a payment made by credit card.

Variants of use:

  • Payflow Pro – is used with iframe. Form used to enter card data is generated from PayPal’s side. Your site is not involved during the input process. Therefore, Payflow Pro grants better security but makes it difficult to customize the application form.
  • Payflow Link – Similar to Payflow Pro.
  • Payflow – Opposite to Payflow Pro. The application form is displayed on merchant’s website. This method may concern your customers, as they need to input credit card information on your site, which may seem less secure than PayPal web page. The credit card data is transferred via HTTPS.
NOTE: Use HTTPS to secure data transfer.

IMPORTANT: Your website needs to be PCI-DSS certified (PCI PA-DSS certification for script libraries) in order to process users’ credit card information. Otherwise, it is recommended not to involve in customers data processing.

Payflow is almost similar to Express Checkout. The differences are in SDK and communication flow. Again, it is not recommended to rely on PayPal’s IPN.

Unlike Express Checkout, Payflow uses three Inquiry Actions:

  • to View the Status of Payments.
  • to View Recurring Transaction Details.
  • to View Optional Transaction Details.

Learn more here.

Mass Pay can be applied to consolidate multiple payments in a single transaction. This API is used for mass payments. It’s available only for users with PayPal account as it requires PayPal email address.

Checkout flow:

  1. PayPal API forms a transaction list and sends it to PayPal.
  2. The payment is pending until IPN notifications about all sub-transactions are received.
  3. If for any reason, your server couldn’t receive IPN, you should manually enter PayPal account and resend it.

Difficulties in PayPal payment gateway integration

PayPal offers two IDEs:

  1. Production version – paypal.com.
  2. Test version –  sandbox.paypal.com.

The second one is used to test system operation without losing money on real transactions. Those two IDEs are different, this can cause errors during transition to production version.

Pieces of Advice for PayPal website integration

  • Make sure IPN is turned on.
  • Stick to one type of methods.
  • Pay attention while setting up paypal.com or sandbox.paypal.com accounts.
  • Do not count on quick transaction processing, but make sure that you have permitted to accept payments inside your app settings. (You can find this option in Sandbox app settings/App feature options/Accept payments/on).
  • Do not rely heavily on PayPal documentation. Whilst it is mainly accurate, there might be outdated methods.
  • Recurring made via Express Checkout can’t be canceled while in “pending” status. It is better to inform users about this issue in advance.
  • There might be an issue when PayPal makes an error output to the customer. It’s better to hide those notifications, because they may contain private information.

Conclusion

Although PayPal is a powerful and multifunctional payment system, it is a vast and complex platform. This may cause difficulties during the development process and may require additional time for testing and waiting for transactions to pass. Finally, it is important to read the documentation before starting the development. Good luck with the development and you are welcome to contact us if you need any help.