2009
Table Of Contents
- Contents
- Introduction
- Downloading, Installing, and Activating
- Simple Payflow Transaction
- Performing Direct Payment Credit Card Transactions
- About Direct Payment Credit Card Processing
- Parameters Used in Transactions
- Submitting Sale Transactions
- Submitting Authorization/Delayed Capture Transactions
- When To Use Authorization/Delayed Capture Transactions
- Required Authorization Transaction Parameters
- Typical Authorization Transaction Parameter String
- Required Delayed Capture Transaction Parameters
- Delayed Capture Transaction: Capturing Transactions for Lower Amounts
- Delayed Capture Transaction: Capturing Transactions for Higher Amounts
- Delayed Capture Transaction: Error Handling and Retransmittal
- Submitting Credit Transactions
- Submitting Void Transactions
- Recharging to the Same Credit Card (Reference Transactions)
- Using Address Verification Service
- Card Security Code Validation
- Responses to Transaction Requests
- Testing Credit Card Transactions
- Verbosity: Viewing Processor- Specific Transaction Results
- Currency Codes
- Country Codes
- Index
Website Payments Pro Payflow Edition Developer’s Guide 17
4
Performing Direct Payment Credit
Card Transactions
This chapter provides guidelines on how to implement PayPal Direct Payment transactions.
Direct Payment offers you credit card payment processing capability through PayPal directly
from the buyer’s credit card.
NOTE: Direct Payment credit card processing is not a standalone feature. You must use Direct
Payment together with Express Checkout. Use this guide along with the companion
guide, Express Checkout for Payflow Pro, for details on integrating Express Checkout.
About Direct Payment Credit Card Processing
Direct Payment credit card processing occurs in two steps — a real-time authorization and a
capture (settlement) of the funds that were authorized. You perform these two steps either as a
single Sale transaction or as two types of transactions, an Authorization and Delayed Capture,
depending on your business model.
For an Authorization, PayPal sends the transaction information to the cardholder’s issuing
bank. The issuing bank checks whether the card is valid, evaluates whether sufficient credit
exists, checks values such as Address Verification Service and card security codes, and returns
a response: Approval, Decline, Referral, or others. For details on Address Verification Service
and card security codes, see:
z “Using Address Verification Service” on page 34
z “Card Security Code Validation” on page 35
You receive the response shortly after you submit the transaction to PayPal. If the
Authorization is approved, the bank temporarily reserves credit for the amount of the
transaction to prepare to capture (fulfill) the transaction. The hold on funds typically lasts for
about a week.
Capturing a transaction (also known as settling a transaction) actually transfers the funds to
PayPal. Once the capture is approved, you will see the funds in your PayPal account.
Considerations Regarding Your Website Integration
In the design of your website integration, you should consider whether you want to store
information in your local database or use PayPal Manager reports to manage the data. You
may want to store shipping information in your system, or you may prefer to send the
information to PayPal with the transaction and report on it later.
NOTE: PayPal recommends that you do not store credit card numbers. If you must store
numbers, encrypt and store them behind properly configured firewalls. You should also
consider whether and how to use the merchant-defined fields COMMENT1 and