Study Guide
Table Of Contents
- PayPal Certified Developer Program Study Guide
- Contents
 - List of Tables
 - Online Payment Processing
 - Internet Security and Fraud Prevention
- Why Every Business Should Be Concerned About Internet Fraud
 - Liability for Internet Fraud
 - Internet Fraud: What It Is and How It Happens
 - Who Is at Risk for Online Fraud
 - Reducing Exposure to Fraud
 - What Banks and Card Associations Are Doing to Prevent Online Credit Card Fraud
 - What PayPal Is Doing to Protect Your Business Against Fraud
 - Disclosure and Compliance
 - PayPal Fraud Protection Services
 - Review Questions
 
 - Getting Started With Account Setup
 - API Credentials
 - Name-Value Pair (NVP) API
 - Express Checkout
 - Direct Payment API
 - Transactions
 - Sandbox Testing
 - Answers to Review Questions
 - General Reference Information
 - Glossary
 - Index
 
 
PayPal Certified Developer Program Study Guide March 2008 17
Online Payment Processing
PayPal’s Payment Processing Solutions
1
N OTE: This Study Guide and the PayPal Developer Certification cover the Website Payments 
Pro solution with Express Checkout.
TABLE 1.1 PayPal Payment Processing Solutions
I need an all-in-one 
solution
I have an internet 
merchant account
I need basic payment 
processing
Additional 
payment 
option
Website 
Payments 
Pro
Website 
Payments 
Standard
Payflow 
Pro
Payflow 
Link
Email 
Payments
Virtual 
Terminal PayPal
Customer Experience
Where 
customers 
shop:
Shop on 
merchant 
website
Shop on 
merchant 
website
Shop on 
merchant 
website
Shop on 
merchant 
website
Varies with 
merchant 
business
Varies with 
merchant 
business
Shop on 
merchant 
website
Where 
customers 
check out:
Merchant 
website or 
on PayPal
PayPal Merchant 
website or 
on PayPal
PayPal PayPal Phone, fax, 
or mail
PayPal
Customers 
need a 
PayPal 
account:
No No No No No No No
Integration
Internet 
merchant 
account:
Included Not needed Required Required Not needed Included  Required
Shopping 
cart 
support:
Yes Yes Yes Yes Not 
required
Not 
required
Yes
Technical 
skills:
APIs HTML APIs or 
HTML
APIs or 
HTML
Not 
required
Not 
required
APIs or 
HTML
Ability to 
accept 
phone, fax, 
or mail 
orders
Included Upgrade Included Included Upgrade Included Upgrade










