Integration Guide

Website Payments Standard Integration Guide September 2008 309
Using Your PayPal Account Profile
Blocking Certain Kinds of Payments
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You can better manage your risk by blocking payments where the payer chooses not to share
his Confirmed Address with you. PayPal provides Confirmed Addresses to help you make
informed decisions when shipping goods. To be eligible for PayPal's Seller Protection Policy
(SPP), and to help reduce your risk of dealing with fraudulent buyers, ship to a buyer’s
Confirmed Address.
There are three choices for this preference:
z Yes – All payments from U.S. payers without a Confirmed Address are blocked. All U.S.
payers must provide a Confirmed Address in order to pay you.
z No – All payments are accepted. To maximize your sales, select No.
z Ask Me – You can choose whether to accept or deny payment without a Confirmed
Address on a case-by-case basis. This option lets decide whether to take on the risk of not
having the payer’s Confirmed Address for each transaction. If you accept the payment, it
becomes a completed transaction. If you deny a particular payment, the sender of the
payment is notified that the payment has been denied and is credited with the payment
amount. PayPal does not charge fees for denied payments.
For a detailed description of how Confirmed Address and other settings affect the PayPal
billing and shipping addresses, see Appendix B, “Address Handling (U.S. Merchants Only).”
Blocking Payments in Currencies That You Do Not Hold
When you receive a payment in a currency you do not hold, PayPal prompts you to open a
balance for that currency, convert it to your primary balance, or deny the payment. Payments
in currencies for which you hold a balance are applied to the appropriate balance. You see a
summary of each currency balance in your Account Overview page.
There are three choices for this preference:
z Yes – Accept the payment regardless of the currency in which the payment is made.
z No, accept them and convert them to U.S. Dollars – Accept the payment but
automatically converts to U.S. Dollars.
z Ask Me – Transaction-by-transaction, you can choose to accept or deny a payment in a
currency you do not currently hold. If you accept the payment, it becomes a completed
transaction. If you deny a particular payment, the sender of the payment is notified that the
payment has been denied and is credited with the payment amount. PayPal does not charge
fees for denied payments.
For more informations, see “Managing Currency Balances” on page 316.
Blocking Payments from Payers With Non-U.S. PayPal Accounts
Because many international addresses cannot be confirmed, you may choose to block
payments from users with non-U.S. PayPal accounts in order to qualify for the Seller
Protection Policy.