Alexandra is a Business Manager with solid experience in client communications, team management, product management. She’s driving force and soul of every project completed by GBKSOFT!Other Articles of Alexandra
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 third-party applications and external services.
And that’s where payment system comes into play. Generally, it is used to deliver transaction information: receiver, amount, a method of payment, etc. There are plenty of online payment gateways nowadays.
The most popular payment systems that facilitate E-commerce are:
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 integration and main APIs that are used for development.
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 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.
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.
All necessary settings and authentication for API access are in SANDBOX API CREDENTIALS tab.
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.
PayPal supports two data transfer formats to send requests and respond. Both are made using HTTP 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.
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 AdaptivePayments 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:
NOTE: Use HTTPS to secure data transfer.
img class=”alignnone size-full wp-image-5943″ src=”http://gbksoft.com/blog/wp-content/uploads/2016/11/shema.png” alt=”Illustration of Payflow API workflow” width=”900″ height=”510″ />
(Payflow API workflow)
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:
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.
PayPal offers two IDEs:
The second one is used to test system operation without losing money on real transactions. Those two IDEs are different, thia can cause errors during transition to production version.
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 development. Good luck with the development and you are welcome to contact us if you need any help.
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