Hi,

What can you say about the new Paypal Website Payments Pro? We can now accept credit card payments like a merchant/3pp using our Paypal... Here is some of the info from their website:

Website Payments Pro: Solution Overview


--------------------------------------------------------------------------------

The all-in-one payment solution.


Get the payment-processing capabilities of a merchant account and gateway – plus much more. Website Payments Pro is:
Complete. You don’t need a separate merchant account and gateway.


Customizable. Control your checkout from start to finish, and easily integrate PayPal with your order-management system and shopping cart.


Low-cost. For affordable rates with no hidden fees, accept all major credit cards, debit cards, bank transfers, and PayPal payments.


Pricing
Low $20.00 USD monthly fee
No setup fees
No cancellation fees
Transaction Fees
2.2% to 2.9% + $0.30 USD†


I really hope this works good. :)

Regards,
Charles

Personally, I love PayPal, and try to use it for as much as possible. Gotta love the cash back from their debit card. I think I'm up to 3% now... and the Money Market account isn't bad to boot. Unfortunately, there are a lot of people who look down on PayPal.

I think they're making a VERY VERY smart move by offering this, and I'm chomping at the bit waiting for my application to be approved. I definately think it's a great idea, and it's going to open up a lot of posibilities and opportunities for quite a few people.

I was this || close to just going ahead and going with an auth.net merchant account, but here comes paypal to the rescue... AND it's cheaper. I think it's a great idea, but as with all new ones, we'll just have to wait and see how it works out.

The only downside from what I can see, is that if you don't want to use the paypal shopping cart, you're going to need to write something yourself to interface with the API. For some, that wont' be a problem, for others,... you're going to be limited on options until this thing circulates for a bit and things start becoming available to accomodate it.

All in all.... Kudos to the guys at PayPal.

Can you please give a link for this? I can't find it.

Thanks

https://www.paypal.com/pro

2.2% to 2.9% + $0.30 USD†

FREAKING low transaction RATE!!

i think the interesting thing is everything can be done on your site and paypal remain invisible with new paypal pro.

Other than that, i think the transaction fee is not NEW at all.

It looks to good to be true. With this PayPal Pro thingy will i be able to accept credit card payments from NON PayPal Countrys ? It sais that my account will work like an merchant account + gateway....but i realy doubt that i will be able to accept a payment from someone in Russia or whatever unsupported country even tho person does have an international credit card.

As long as your country is allow to use paypal, you shouldn't have any problem applying for this plan.

Originally posted by jayzee
As long as your country is allow to use paypal, you shouldn't have any problem applying for this plan.

Read again. I was asking another thing. For example i do have an PayPal Pro etc etc on my site. Can a person pay me with his credit card if the card is issued in unsupported country ? i guess no, so .....it is to early to compare this Pro thingie with a true merchant account like they state on the site.

Hi gngonline,

PayPal Website Payments Pro will not support payments from countries that are not already supported by the PayPal system.

Oops! I may have been wrong.

The Direct Payment API will attempt to process any Visa, Mastercard, American Express, or Discover card transaction (in USD) that you request, regardless of the cardholder's country.

Just got the notice on this after reading a C|Net article. I've been looking at making changes to my merchant account. I will definately need to look at this compared to my regular merchant account.

Anyone know if you can do recurring payments with the API (credit card payment)? That's what I need now and I don't want to pay Authorize.net, so I've been looking at other gateways.

Originally posted by paypalrb
Oops! I may have been wrong.

The Direct Payment API will attempt to process any Visa, Mastercard, American Express, or Discover card transaction (in USD) that you request, regardless of the cardholder's country.

Is this confirmed? If this is so, We will be glad to apply for this.

Regards,
Charles

I'm doing some more investigation, just in case ... I will let you know when I have a definite answer.

"Check our list of integrated shopping carts." on the paypal pro pages links to "You have requested an outdated version of PayPal. This error often results from the use of bookmarks.".

Hey Dan, I noticed the same thing as I was curious about which shopping carts were on that 'compatible' list too.

How can one signup for this?
I already have a confirmed business account, but how does one get a signup link for the actual payment option.

It seems paypal just launched this, and have not done a very good job at setting up all the documentation.

I think if you log in and click on Merchant Tools, you should be able to navigate to a link that allows you to apply for the new Pro features.

Originally posted by paypalrb
I think if you log in and click on Merchant Tools, you should be able to navigate to a link that allows you to apply for the new Pro features.
Nope, all I get when I navigate here https://www.paypal.com/row/cgi-bin/webscr?cmd=_wp-pro-overview is a bunch of information on how to integrate the system, but not how to signup.

edit: I have a feeling this is only going to apply to USA members, as this is the required info
Business type
State of incorporation
Bankrupcy history
Business owner's SSN

Yes, this feature (Website Payments Pro) is currently available for US merchants only.

Originally posted by paypalrb
Yes, this feature (Website Payments Pro) is currently available for US merchants only.
Well it certainly was nice of them to forget to mention this :rolleyes:

Any time frame or anything for Canadian Merchants?

Anyone successfully download the PHP SDK for Paypal Pro? I've tried all three versions they list and they all contain and empty ReadMe.txt file and that's it.

The .NET one seems to work, but that doesn't do any good for us PHP guys does it? Same problem here, so I'm guessing that whoever is in charge of that type of thing over there either messed up, or they just aren't ready yet.

Hello people i have noticed, that it has a Virtual Terminal also !

https://www.paypal.com/us/cgi-bin/webscr?cmd=_wp-pro-feature-list-outside

If it is really so i am reayd to throw those 20 $ just right now :)

Originally posted by Rman2003
The .NET one seems to work, but that doesn't do any good for us PHP guys does it? Same problem here, so I'm guessing that whoever is in charge of that type of thing over there either messed up, or they just aren't ready yet.

I'd say this release is very premature. The site doesn't work, there are dead links and empty files all over, and even some current PayPal pieces were broken with it. Looking at my log of closed disputes, all the tables are grey background instead of white background with grey borders. Another page had an out-of-place horizontal line graphic for no obvious reason.

Originally posted by christowang
Anyone successfully download the PHP SDK for Paypal Pro? I've tried all three versions they list and they all contain and empty ReadMe.txt file and that's it.

The PHP SDK will be available during the last week of June.

Not that great after all...


1. Not available for privat persons/unregistered companies.

2. Only for US businesses.

3. Its not enough to have a verified us business account with paypal, there are extra conditions and qualifications to get this solution.


Business type
State of incorporation
Bankrupcy history
Business owner's SSN


So after all, if you do qualify for all this things...would it not be better to have a real merchant account in your own business name?

Where is the list of supported shopping carts ??

Thanks

Sorry..I found it...it's here for those who need it ...

https://www.paypal.com/us/cgi-bin/webscr?cmd=xpt/cps/developer/ProCarts-outside

Thanks

Originally posted by fun2fun So after all, if you do qualify for all this things...would it not be better to have a real merchant account in your own business name? [/B]

For me I don't have consistent payments per month. So the minimum gateway fees and reporting fees don't make it worth it.

Geez, have been reading through all the information and the manual to figure out how this works, and whether it's something worth using or not. But man, that's the most ridiculous useless piece of sh-t documentation I've seen in a long time.

Quote from the site: "Direct Payment API is: [..] You keep your customers on your site instead of having them pay on PayPal; PayPal remains invisible"

Ok, great, but in the documentation:

"IMPORTANT: Direct Payment API is not a standalone product. You are required to use Direct Payment API and Express Checkout together as part of the Website Payments Pro solution. See “Website Payments Pro Business Rules” on page 17."

.. Okay, turn to page 17:

"Website Payments Pro must be integrated on your website in the following ways. You must:

1. Present the PayPal Express Checkout button and associated messaging before requesting shipping address, billing address, and financial information. PayPal account holders should not be required enter any of this information on your website, because the information is available from their PayPal accounts. See “Placement of the Express Checkout Button” on

2. Display PayPal as an option along side other payment methods, wherever other payment methods are offered. See “Placement of PayPal With Other Payment Methods” on page 50.

3. Give PayPal users the option to checkout without logging into your store account.

4. Present the PayPal mark graphic wherever other payment marks are displayed."

.. Makes no sense. Where's the transparency if customers have to go through the PayPal site?

At first glance the Payments Pro stuff looks really interesting, but the site and documentation leaves a lot to be desired, or maybe I'm just terribly dense. .. Which isn't too unlikely.

where is i could you give me a link for it? i want it alot please!! and also after you pay that does paypal still charge paypal charges? thanks

The Direct Payment API and Express Checkout are different methods for payment, but if you use Direct Payment you must also offer Express Checkout as an option.

The customer's experience would be something like this:

They select some items from your site, place them in their cart, and then click "checkout".

They see the first page of your checkout process, which has a couple of options: PayPal or Credit Card.

If the customer has a PayPal account and wants to use it, they click on the Express Checkout button. They are redirected to a secure PayPal page where they enter their login information. They log in, review the shipping information and funding selection(s), and click Continue to return to your site. You then display a review page which confirms their shipping address, shipping amounts, tax, and total amount. They click a "Pay" button on your page to finalize the payment.

If the customer does not want to use PayPal, they would see the two options (PayPal and Credit Card) on your checkout page, and they would just choose to pay by credit card. They would then go through the credit card checkout that you have designed. You pass the credit card and billing information to PayPal via API, and the customer never leaves your site.

Originally posted by googlebott
where is i could you give me a link for it? i want it alot please!! and also after you pay that does paypal still charge paypal charges? thanks

If you want to read more about the new features, go to the PayPal website and click on the Merchant Tools tab. Please note that some of these new features will only be available for US merchants.

PayPal will charge a fee on any transaction you receive using these payment methods. The pricing for Direct Payment transactions is from 2.2% to 2.9% plus a fixed $0.30 fee. Express Checkout transactions can be as low as 1.9% pllus $0.30.

Thanks, paypalrb. Unfortunately that requirement for the two options is a dealbreaker. Payments Pro is only interesting if the PayPal relationship is completely transparent, which it wouldn't be.

You would never have added a PayPal option to your checkout, even if it was next to a traditional credit card checkout?

I'm sorry, but no.

I provide ecommerce Web site services for medium sized ($1+ million/year revenue) manufacturers of all kinds, and while my company always propose a dual payment option setup, credit card and PayPal, not a single one of my clients wish to have PayPal in the mix.

And on top of this, I've finished reading the manual since my last post, and the required flow through my shopping process that the PayPal API forces me to use, is another dealbreaker. There's very little flexibility in your system, so it's unfortunately not a realistic alternative to traditional merchant accounts and gateways. A real shame, because as I mentioned in an earlier post, at first glance it just looks perfect: simple, solid and inexpensive payment processing.

Well, one thing that might keep someone from implementing both credit cards and PayPal could be the fact that you would then need to integrate two systems with your inventory control, shipping, and accounting processes. If both credit cards and PayPal payments go through the same system, it's easier to keep track of all your payments in one place.

Of course, I don't know what factors have caused your clients to decline PayPal - it could be cost of integrating another system, no interest in offering it, different pricing, or something else.

Originally posted by paypalrb
If you want to read more about the new features, go to the PayPal website and click on the Merchant Tools tab. Please note that some of these new features will only be available for US merchants.

PayPal will charge a fee on any transaction you receive using these payment methods. The pricing for Direct Payment transactions is from 2.2% to 2.9% plus a fixed $0.30 fee. Express Checkout transactions can be as low as 1.9% pllus $0.30.

Oh, and don't forget $20 pr. month......

We've been beta testing the VT and D.P. API product for some time. From what I was told, it wasn't due for release until sometime in august.

However, the API is just about as flexible as any other such as LinkPoint and we look forward to going live with it soon.

hmm after all , useless?

If this system was accepted by private companys we would have it but alas it is not :(

I'm not from the US so have no chance to taste this new great service, wonder when they'll offer it to international merchants, will not be very soon I believe.

Just curious, can sellers store credit card information in their own database then use the API to charge the card every month? Since recurring billing is not mentioned in their feature page, I wonder is there any workaround to achieve this.

Also, a friend has emailed PayPal and it is free until October 2005 as far as the $20/Month fee goes. I'm going to check it out.

Originally posted by cyberultra
I'm not from the US so have no chance to taste this new great service, wonder when they'll offer it to international merchants, will not be very soon I believe.

Just curious, can sellers store credit card information in their own database then use the API to charge the card every month? Since recurring billing is not mentioned in their feature page, I wonder is there any workaround to achieve this.

Since you take the CC's through your site, you can do whatever you want with them. Subscription payments would obviously need to be handled by your own system and resubmitted each month.

Originally posted by amps
Since you take the CC's through your site, you can do whatever you want with them. Subscription payments would obviously need to be handled by your own system and resubmitted each month.

I don't know, I think that would have to be checked because that doesn't sound right.

Originally posted by JDMundo
I'm sorry, but no.

I provide ecommerce Web site services for medium sized ($1+ million/year revenue) manufacturers of all kinds, and while my company always propose a dual payment option setup, credit card and PayPal, not a single one of my clients wish to have PayPal in the mix.

And on top of this, I've finished reading the manual since my last post, and the required flow through my shopping process that the PayPal API forces me to use, is another dealbreaker. There's very little flexibility in your system, so it's unfortunately not a realistic alternative to traditional merchant accounts and gateways. A real shame, because as I mentioned in an earlier post, at first glance it just looks perfect: simple, solid and inexpensive payment processing.

what he said ^^

...if you provide websites for millions dollar companys I think you can afford a real merchant account...no? This is more for the people that can't afford to put up the big costs.

This is good, however, For PayPal Transaction, one of the main reasons I have decided to get a merchant account is that PayPal automatically sends emails to customers reminding them to cancel their subscription. (with a merchant account, you do not have to give these reminders to customers, and hopefully less people will cancel the subscription)

What do you think about this?

Any way to stop PayPal from sending emails to subscribers?

Hi detz, you're absolutely right, and all my clients do have merchant accounts today with various companies, CDG, Nova et al, but that's not the point: PayPal wants to offer an alternative to these merchant setups, which I think is really really terrific, but my objection is that the implementation just isn't very good.

Please correct me if i am wrong the cc info is passed in the background to paypals servers where it is validated and then payment sucess or failure is confirmed to your server.

You/your server does not store the card details at all.

Recurring billing would then be dealt with in a similar manner as before, by passing a parameter through the service which markes the payment as recuring and tags the intervals.

Even though the payment processing is done by paypals servers, the customer will never see anything except your sites payment page.

That is if they have not choosen to use the mandatory paypal express checkout button which you will have to place earlier in the checkout process on your site. (Before any personal information and/or login has occured)

I applied a week ago and still waiting.

It doesn't really look that interesting... initially they bill it as a replacement/competition with auth.net or something, but it's not. It's just your normal checkout process backwards from what I've been able to read.

The user still goes to paypal for the transation. IMHO, that completely negates any real advantage of the API except to use up more of your bandwidth.

I understood it differently. According to the images/info I've read

The user DOES NOT go to paypal for the transation. They go to PayPal if they have a paypal account but they can pay by credit card and it's done on our server via HTTPS

The customer stays on your site, while the communication goes between your site and PayPals servers in the background.

An autentication request is sent to paypals servers, where it is processed and summarily accepted or declined, then the result is transfered back to your server which in turn lets the customer know if his/hers payment was succesfull.

The customer will in this case not see paypal at all, but the payment is stilled processed on Paypals servers.

Originally posted by fun2fun
The customer stays on your site, while the communication goes between your site and PayPals servers in the background.

An autentication request is sent to paypals servers, where it is processed and summarily accepted or declined, then the result is transfered back to your server which in turn lets the customer know if his/hers payment was succesfull.

The customer will in this case not see paypal at all, but the payment is stilled processed on Paypals servers.

No, the customer does not stay on your site. The customer finishes their transaction on your site, but they do go to paypal.

https://www.paypal.com/cgi-bin/webscr?cmd=_dcc_hub-outside
Note: Direct Payment API is not a stand-alone product. You are required to use Direct Payment API and Express Checkout together as part of the Website Payments Pro solution.

See? It's just a ploy.. nothing special, except the backwards checkout feature.

I took a look at it when they started advertising but it did not impress me. Paypal has always been billed as a P2P network. They are now trying to get into another market which it alreayd pretty saturated

Plus one thing that I did learn, you have to state on there who is the acquiring bank and I think it has to be in the footer of all pages. I do not see that there so they might be in violation of Visa's regulations.

Since we helped beta test the new offering from Paypal, I can tell you that it *IS* a replacement for the traditional merchant account / payment gateway, and with Pro and an API, the user is *NOT* taken to paypal if they choose to pay with Visa/MC/Amex.

Paypal is entering the market to compete with the gateways and merchant account providers by offering a $20/month, 2.2% - 2.9% and 0.30 per transaction system that allows merchants to take credit cards directly.

The catch is the agreement requires the merchant to also offer traditional Paypal as a payment method on their site. Paypal is aggressively pricing this new system to generate new business, and take business from Auth.net, Verisign, Linkpoint, etc... They also want to beat Google to the punch for offering complete payment solutions.

Paypal Webpayments Standard offers the backwards go to paypal site first or the more traditional go to paypal last. Pro is the equivalent of a merchant account and gateway rolled in one nice package. The application process is streamlined, and Amex does not have to be dealt with directly by the merchant; it's all integrated into Paypal.

I hope this clears up the confusion.

- John C.

Originally posted by WebOnce
No, the customer does not stay on your site. The customer finishes their transaction on your site, but they do go to paypal.



See? It's just a ploy.. nothing special, except the backwards checkout feature.

If they pay with cc, they will not leave your site, if they choose the paypal express option (Which is a requirement of the package), then yes they will go to paypal to pay from their paypal funds there.

Still, it is highly desirably to use a separate merchant account and a payment gateway provider instead, and just offer paypal as an extra payment option.....

Why you might ask...

You have way more control with most merchant accounts, and they will usually not just freese your account on some flimsy request from som disgruntled and/or dishonest customer.

And besides its always advisable not to put all your eggs in one basket... ;-)

Originally posted by Paulo
I applied a week ago and still waiting.

I was approved in just about an hour. I will try it out during this demo period, and see how it goes. I most likely won't use it much though, as I have my own merchant account.

Wow, I did some test transactions, and I must say I like it. If Lpanel integrates it, I am likely to cancel my merchant services. This is too good to be true though (funds are instant!) so I am going to wait until the trail period is over before I make a decision.

This is awesome though. I wonder what it will look like on the statement.

John, will it display 'PayPal*company_name* or just the company name? Where can we insert the settings for the phone number that appears on their statement and company name (DBA) that appears on a statement.

Yes, your server will store the cc details. I imagine that in order to bill on a billing manager such as Lpanel, the CC information must be sent to PayPal. PayPal Pro doesn't seem to hold the CC information, it must be typed as far as I know. I am hoping that such billing programs will be allowed to transmit to PayPal to send the batch information / transaction information. There is another thread open with a post from a beta tester of the PayPal Pro system that I recommend you guys read too.

NO, you do not store the cc on your server.

Go to the paypal website and read the info, try the demo and read the demo text and explanations, then download the integration guide pdf and read it.

Paypal do process your customers creditcard on their server in real time, this is a neccessety for theyr fraud system to be effective. (The customer do not see this process or paypal, it happens in the background while he/she stays on your site)

You are not supposed to have any access to the cc number at all, you server will get a cleared or rejected through the api.



Ofcourse they do also now give the option of a a virtual terminal which can be used to process cc.

This is meant for situations where you have the customer physically next to you, have a signed fax with the details and/or do it over the telephone.

You can not collect cc info on the web and then use the virtual terminal to process it!

If you do and paypal find out, you will have a long and cold freese........

How would they find out? From the first customer who contested a payment......

Originally posted by TheNetway
...This is awesome though. I wonder what it will look like on the statement.

John, will it display 'PayPal*company_name* or just the company name? Where can we insert the settings for the phone number that appears on their statement and company name (DBA) that appears on a statement. Not sure how it appears on the statement, you'll have to ask Paypal on that. We only tested the API and discussed ideas with their development team when they were building the new service.

- John C.

Originally posted by fun2fun
NO, you do not store the cc on your server.

Go to the paypal website and read the info, try the demo and read the demo text and explanations, then download the integration guide pdf and read it.

Paypal do process your customers creditcard on their server in real time, this is a neccessety for theyr fraud system to be effective. (The customer do not see this process or paypal, it happens in the background while he/she stays on your site)

You are not supposed to have any access to the cc number at all, you server will get a cleared or rejected through the api.



Ofcourse they do also now give the option of a a virtual terminal which can be used to process cc.

This is meant for situations where you have the customer physically next to you, have a signed fax with the details and/or do it over the telephone.

You can not collect cc info on the web and then use the virtual terminal to process it!

If you do and paypal find out, you will have a long and cold freese........

How would they find out? From the first customer who contested a payment......

No, I think the cc must be stored on your server / billing manager in order to continue billing. I am not only talking about when the customer first signs up. I am talking about after they signed up, and to continue their months subscription (using this as a example). The CC must be encrypted on the server and send the info to PayPal when their due date is otherwise PayPal won't bill.

I don't think you understood the entirety of the question.

At a cursory glance it does not look like the direct api covers recurring billing.

It has 2 settings:

Sale payment - direct debit of customers cc
authorization - reserve amount , to be adjusted/withdrawn through Paypal Authorization & Capture

(If its not a function which can be set through the Paypal Authorization & Capture , but for the moment the link to the pdf info for that one leads nowhere)

Is it worth $20/month?

Most Important! Does it have support for subscriptions/recurring payments, and:
- Can you change the terms of the subscription yourself? What things can you change, if any?
- Is there any annoying "PayPalness" in the process where the customer needs a PayPal user name and password.

I think this is the most pertinent question for us hosts to know.
I'm choosing a new gateway option soon so I really want to know!

Ok but who cares about one-time payments. Who in the hosting industry bills their clients one time?
Lets get some details on subscription/recurring payments! :)

I mean, the biggest annoyance with using PayPal is the fact that subscriptions can't be modified without customers logging in, and of course, no one wants to sign up for PayPal just to use your service.
What can it do in terms of recurring payments? And how does it do it if there are no cc #'s stored by you?

I love Paypal.... but I'm not sure $20/month is worth the pro.... like cyman said above.... is it possible to "edit" already existing subscriptions?

I don't think you guys are still seeing what PayPal Pro is. It is a merchant account, and functions the same way a merchant account would. $20/mo is cheap for what it does, as we pay over $40/mo with our current provider for the same features, except PayPal Pro is better. A regular merchant account does not support recurring billing anyways, unless you pay hella extra. If you guys want to have a better understanding on how it works, I suggest you do research on a regular merchant account, as I have said before. It DOES NOT work the same as the regular PayPal, which it seems your failing to realize.

1. You can easily get reccuring billing with an ordinary merchant account, its just a mather of which payment processor gateway you use together with your merchant account. (the authorize.net gateway has an option for just this)

2. You do not get a real merchant account with the paypal pro system. Paypal is still the middle man and the customers bills will still show paypal.

1. I know this, as I said that you can get it added, for extra money.

2. Actually, it is a real merchant. Just like PayPal is in the middle, CDG Commerce is still in the middle of our transactions... what's the difference? And how is this not a real merchant?

Originally posted by TheNetway
2. Actually, it is a real merchant. Just like PayPal is in the middle, CDG Commerce is still in the middle of our transactions... what's the difference? And how is this not a real merchant?

Well, actually it really isn't.

Payments Pro - you cannot create any kind of billing system for use where the user is not present, You could not create your own recurring billing system.

Payments Pro - you have to display the Express Checkout(paypal) option before you can do the API(hidden paypal).

Buy all paypal agreements you are not authorized to store any cc numbers, cvv information on any orders processed by paypal.

Paypal is on your customers cc statement, we have 3 merchant accounts and all say just our companies name

Originally posted by notloggedin
Paypal is on your customers cc statement, ...
I'm just curious, but do you have a link to the documentation that confirms this?

Its under your profile settings if you have an account, but here is what it says:

Credit Card Statement Name

Each time one of your customers funds a payment with a credit card, your Credit Card Statement Name will be displayed in the description section on your customer's credit card statement. Your Credit Card Statement Name will appear after "PAYPAL *" (for example, PAYPAL *MYBIZNAME).

Include your Credit Card Statement Name to reduce chargebacks and customer confusion.

The name can be up to 11 or 19 English and/or German characters long, including spaces, and cannot contain special characters (for example: &, #, _, and so on). This name will be converted to ALL CAPS, and may be truncated by some credit card processors.

Originally posted by notloggedin
Its under your profile settings if you have an account, but here is what it says:

Credit Card Statement Name

Each time one of your customers funds a payment with a credit card, your Credit Card Statement Name will be displayed in the description section on your customer's credit card statement. Your Credit Card Statement Name will appear after "PAYPAL *" (for example, PAYPAL *MYBIZNAME).

Include your Credit Card Statement Name to reduce chargebacks and customer confusion.

The name can be up to 11 or 19 English and/or German characters long, including spaces, and cannot contain special characters (for example: &, #, _, and so on). This name will be converted to ALL CAPS, and may be truncated by some credit card processors.

Well I was really wondering if this same exact setting also applies to PayPal Payments Pro or only "regular" PayPal.

Originally posted by notloggedin
Its under your profile settings if you have an account, but here is what it says:

Credit Card Statement Name

Each time one of your customers funds a payment with a credit card, your Credit Card Statement Name will be displayed in the description section on your customer's credit card statement. Your Credit Card Statement Name will appear after "PAYPAL *" (for example, PAYPAL *MYBIZNAME).

Include your Credit Card Statement Name to reduce chargebacks and customer confusion.

The name can be up to 11 or 19 English and/or German characters long, including spaces, and cannot contain special characters (for example: &, #, _, and so on). This name will be converted to ALL CAPS, and may be truncated by some credit card processors.

That just looks like the standard paypal profile statement.
This is a different version of paypal that is being discussed here.

NO this for website payments pro.

There is not a new paypal version, its still your same account, with the ability to take payments with out going to paypal's site and access to virtual terminal.

I'm sorry that I wasted my time with paypal and hit on my credit for the credit-check.

Actually, PayPal is NOT on your customers statement ;) We have done several test transactions. They never mentioned PayPal at all.

Originally posted by TheNetway
Actually, PayPal is NOT on your customers statement ;) We have done several test transactions. They never mentioned PayPal at all. Thank you for the solid information. :)

Originally posted by RootWebGod
Thank you for the solid information. :)

No problem. I'm actually tired of debating with users that continue to ignore the purpose and facts of PayPal pro, and the actual features of what it does. As well people keep sending out wrong information about the system such as "It shows Paypal*company name", which with my own testing on my credit card, it does not show PayPal. Like I said two times already. Do research on a regular merchant account such as CDG and tell me the difference. Although it does connect to PayPal, it is very transparent, just like using CDG Commerce is transparent. You must go through a provider regardless, which most of you still arn't understanding.

You guys really need to do testing and research in order to give information about something, as most of this thread is mis-leading.

One of the drawbacks of Paypal Pro (as I spoke with one of the lead developers, I hope I am not seen as passing bogus info) is lack of control over how a charge is deemed fraud or not. With Auth.net or Verisign, you can control what filters will cause a declined charge (AVS, CVV2, only zip, only address, etc...) giving the merchant more control over how to deal with charges that trip filters. With paypal, you have zero control over this, as the charge goes through their internal fraud system, and will decline any charge that has anything wrong with it (i.e. zip code off, address off, cvv2 off, etc...)

For most merchants, this is a good thing, but for any serious ecommerce company (who knows customers make mistakes), not being able to allow the charge to go through and then manually check on the order fulfillment end is not ideal if you want to keep your customers happy.

Other than that (and the slow and often poor support from paypal as usual), their offering is competitive with the regular merchant accounts and gateways (and having to offer paypal as a payment option on your store).

- John C.

Yes, that is a drawback I suppose, although I really do not rely on that method to check for fraud orders. We have in place a anti-fraud system that will stop a fraudulent person before they can pay.

Any news if Canadian businesses have any access to this? I have a business account with paypal it's been a few years, but can't find any options anywhere to enable/request "pro"

Originally posted by Xc0m
Any news if Canadian businesses have any access to this? I have a business account with paypal it's been a few years, but can't find any options anywhere to enable/request "pro" Currently Pro is only supported for US merchants. Paypal hopes to roll out Canadian support in 2006 (according to a few developers).

- John C.

hey John
I am a paypal client from uk, any idea when uk clients can use paypal pro ?

i love this and can't wait to use this.

Hey i forgot how do i see what account i have in paypal i forgot where and how i checked the status before. So if anyone knows how to check which account i am on in paypal let me know. I remember something in >My account>Profile setting i think but i dont recall it. And what i would love to see is paypal to stop charging so much fee on all the transactions. Keep it fixed say like 10$ per month for over 100$ transactions and stuff.

Hey i forgot how do i see what account i have in paypal i forgot where and how i checked the status before. So if anyone knows how to check which account i am on in paypal let me know. I remember something in >My account>Profile setting i think but i dont recall it. And what i would love to see is paypal to stop charging so much fee on all the transactions. Keep it fixed say like 10$ per month for over 100$ transactions and stuff.

a) Your account type is shown right on the Welcome screen. It's the heading of the page.

b) Well, wouldn't that just be a perfect world, I'd save thousands a month. Unfortunately PayPal would still have to pay Visa, MasterCard, Discover, Amex, the banks all the fees they still charge per-transaction. Operating at a loss, they'd go out of business, and wouldn't be able to save us that money anymore.

hey John
I am a paypal client from uk, any idea when uk clients can use paypal pro ?

i love this and can't wait to use this.
I have a feeling the UK won't be added anytime soon just because from what I've seen this operates so much like a real merchant account.

If anything Canadian businesses might be able to start using it soon.

Yeah, no ETA from paypal. Their developers indicated a plan for 2006 for Canada and possibly the UK, but that was just conjecture during our beta period.

- John C.