PayPal

Paypal payments can be processed with Saferpay without much effort. This chapter describes what needs to be considered in this regard.

General requirements

The handling of PayPal payments with Saferpay requires:

• A corresponding license and thus a valid identification with a username and password for the Saferpay system.

• Availability of at least one active Saferpay terminal via which payment can be carried out and availability of the associated Saferpay TerminalId.

• A valid PayPal merchant account.

Technical requirements

The general integration of PayPal can only be done via the Payment Page and requires the following things to be noted:

• PayPal requires the Payment.OrderId to be unique. Saferpay however does not limit the use of the OrderId in any way. If you use PayPal, you have to make sure, that your system submits unique OrderIds for every PayPal-transaction, otherwise you will get an error-message during the authorization.

PayPal does not support the iFrame Integration!Saferpay will break out of the IFrame, if necessary.

• Unlike normal transactions, PayPal refunds always have the status CAPTURED, thus executing the money right away.

• The notification URLs, inside theNotification conatiner are mandatory, in order to avoid missing payment successes. See the Payment Page process for further information.

Supported features

Feature	Support
Capture/Cancel	✅
Multipart Captures	✅
Secure Card Data	❌
Refunds	✅
Recurring Payments	❌
3D Secure	❌
Dynamic Currency Conversion (DCC)	❌
Mail Phone Order	❌
Testing	✅
Omni-Channel	❌
PayPal Seller Protection	✅
Express Checkout	✅

PayPal refunds do not need to be captured and will always report a Transaction.Status: "CAPTURED".

Activation

To enable processing of PayPal payments via Saferpay a few settings must be first specified in the PayPal Merchant account.

You can add a third-party developer to your account on the Add New Third Party Permissions page.

To grant permissions to a third party:

1. Log in to PayPal with your Business account.
2. Under Account and Security, click Account Access.

3. In the Selling online section, click Update next to API access. You can grant or update the NVP/SOAP API permissions to your third party.

4. On the API Access page, click Grant API Permission.

5. Enter be-sfp_api1.six-group.com into the Third Party Permission box and click on Lookup.

   When using the test environment in combination with a Paypal sandbox account, the following value must be entered instead: paypal-api-caller_api1.saferpay.com

6. On the Add New Third Party Permissions page, select the following permissions so that Paypal transactions can be processed via Saferpay: - Use Express Checkout to process payments. - Issue a refund for a specific transaction. - Authorize and capture your PayPal transactions. - Obtain information about a single transaction. - Search your transactions for items that match specific criteria and display the results - Obtain authorization for pre-approved payments and initiate pre-approved transactions. - Accept or deny a pending transaction. - Issue a refund for any prior transaction.

(click to enlarge)

Activation on your Saferpay Terminal

For PayPal activation on your Saferpay terminal, please inform our customer service about the terminalId(s) you want PayPal to be activated on, your PayPal merchant account ID and the desired currencies.

Error response in case of missing permissions

Saferpay will return the following error-message, if PayPal ha snot been set up correctly:

{
    "ResponseHeader": {
        "SpecVersion": "[CURRENT SPECVERSION]",
        "RequestId": "[YOUR REQUESTID]"
    },
    "Behavior": "ABORT",
    "ErrorName": "TRANSACTION_DECLINED",
    "ErrorMessage": "Transaction declined by acquirer",
    "TransactionId": "[TransactionId]",
    "ErrorDetail":[
        "Check that PayPal was setup as described in the Saferpay integration guide for the PayPal payment method."
    ],
    "ProcessorName": "PayPal",
    "ProcessorResult": "invalid_request",
    "ProcessorMessage": "No permission to set target_client_id",
    "OrderId": "[YOUR ORDERID]"
}

Capture and the solvency of the customer

Unlike credit cards, that give the merchant a certain guarantee for the authorized money, PayPal reserves the right to deny the payout of a transaction, if the solvency of the account holder changes negatively after the authorization.

Therefore Saferpay claims the money directly, once the Capture of the transaction has been successfully executed. If the money cannot be claimed, the capture then returns an error. We generally recommend to execute the Capture as soon as possible, to avoid any issues.

PayPal Seller Protection

The PayPal Seller Protection protects eligible transactions from chargebacks, reversals and their associated fees! Precondition to profit from the Seller Protection is to send the delivery address of your customer over our API. The delivery address (http://saferpay.github.io/jsonapi/#Payment_v1_PaymentPage_Initialize - Container DeliveryAddress) needs to be the same as the Billing Address. The SellerProtectionStatus can have three results in your request: Eligible Partially Eligible Not Eligible Please check this link how to integrate the Seller Protection: http://saferpay.github.io/jsonapi/#Payment_v1_PaymentPage_Assert After clicking the link, please scroll a little bit down until the Point "PaymentMeans", click on "Object" and on PayPal.

More information about the PayPal Seller Protection you will find on the PayPal Documentation here.

Express Checkout

Saferpay offers a way to implement a so called "Express Checkout", which allows the merchant to gather every important information about the payer -like addresses etc.- from the payment gateway, without the need of capturing this data yourself.

The payer could go through a guest-checkout, pays his order and everything needed for the merchant is returned at the end.

This minimizes user-interaction, makes the checkout sleek and fast, which increases the user-satisfaction.

Please refer to this chapter, in order to know, how you integrate an Express Checkout.

Testing

Please refer to this chapter, if you want to test PayPal.