I am currently setting up SagePay on the SagePay Test account. I want to Pre-authorise a payment (Hold) and then Capture the payment a few days later. It appears however that I only have the option to invoke payment immediately - does anyone know how to perform Authorise then Capture a payment.
Deferred will work. Authorisation with the bank is obtained at the point of sale and you have 30 days to Release the payment for settlement. Only at the point of Release will the process of transferring funds from the card issuing bank to the merchant bank begin.
You can Release a payment by clicking on the transaction in My Sage Pay or by sending a command across to Sage Pay from your internal web portal:
http://www.sagepay.co.uk/file/21071/download-document/SHARED_Protocol_Guidelines_010814.pdf?token=Bbx-WrTNysT6-HtttVME4so0nYzd-Tt8rWqLrQ_wdaA
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I have an application set up in Paypal Developers and tied into my PayPal account. I can create payments and have a user make the payment from my website. The transactions show up in the dashboard on the live side.
However, the money never leaves the customer account and never enters the business account.
What am I doing wrong?
You're charging the PayPal wallet? If so, are you sure you're calling /execute to execute the transaction?
Don't forget, if you're charging a credit card, you won't ever see money leaving a user's PayPal account. Credit card processing != charging a PayPal account.
This seems like an easy question, but as a developer do I need payments pro on my business account to test out the mass pay API for a client? The app will eventually sit on their PayPal account and they have payments pro. Asking because I keep getting authentication errors and thought it may be because of this?
No. Your customer's PayPal account needs to get approved for Mass Payments, then they need to give you third party Mass Payments permissions. And you call the Mass Payments API on your customer's behalf. They just need to contact PayPal CS to get the approval process started.
When I'm testing payment on my site using paypal account I'm receiving PDT (silent post) and then notification (IPN). But when I'm testing payment using credit card, I'm getting only silent post and no notification from IPN service. Also I can't find any sale transaction where has been used credit card on sandbox.paypal and no notifications in IPN History, but it (transaction) exists on manager.paypal. Also no charges to merchant account. Is it fine? Can anybody tell me how should I check that money transferred successfully and transaction completed when used cc for payment?
Thanks,
Eugene
You may have PayPal set up to handle your Express Checkout transactions, and a 3rd processor set up to handle your credit card transactions on your test Payflow account which would cause the issue that you are seeing. As IPN is only set up on the PayPal account, and if your credit cards are not being processed through PayPal you wont get an IPN. If you can provide one of the transaction id's I can confirm this on my end.
I would like to automate my paypal balance to my bank.
Tired of having to go every weeks and click on the transfer to my bank.
What API call can I use to transfer my paypal balance back to my linked bank account ?
There is not an API that you can use to transfer the money to your bank. But you can set up Auto Sweep on your account. Once you enable this feature on your PayPal account, PayPal will send what ever funds are in your PayPal account to your bank account on a daily basis. This would mean that you would not need to go into your account every time and do this manually, it would be done automatically.
In order to enable this on your account, you would first need to contact PayPal customer service, and request this feature enabled on your account. Once your account has this enabled on it, you will then need to go into your account and turn this on.
I'm not sure this is the right place to ask but anyway:
I have an e-commerce platform that I want to monetize based on a percentage of revenue made (eg. a store that uses my platform has an order for $100, so I get 1% or $1, while they get $99).
Currently I offer paypal and credit card payments (via my merchant bank) to all stores on the platform (ie. all payments made, regardless of the store, are through the same paypal and merchant account). I then pay these stores per month which is ok for the moment because there are only a few stores using the platform.
Moving forward I want to automate this process and ideally have it operate in real time.
Paypal have an "Adaptive Payments" API that allows chained or parallel payments on a single transaction processed in real time. This means I can skim my 1% and pass the rest of the money along my customer in real time.
I was wondering if there is a similar real-time service for Credit Card processing*? If not, is there a bank/merchant that allow API payment access so I can automate payments per day or week? OR should I just transfer all money from my bank to paypal and use this to pay my customers?
*I realise you can process credit card payments through Paypal without having to sign up, but this is less than ideal. I want the credit card processing to happen on my page as at the moment I'm seeing about 70% of orders using this over paypal.
I was wondering if there is a similar real-time service for Credit Card processing?
No there isn't. True merchant accounts do not allow for split payments. Only one entity can receive a payment and it must be the business the merchant account has been set up for. Receiving the payment for someone else is called factoring and is against all of the major credit card issuers' rules. If a merchant account is found to be factoring it will be closed and the merchant who owns the account will be blacklist. This will prevent them from ever having a true merchant account again. Additionally, there is no way to send money with a merchant account other then issuing a refund for prior purchases.
If not, is there a bank/merchant that allow API payment access so I can automate payments per day or week? OR should I just transfer all money from my bank to paypal and use this to pay my customers?
Other then using adaptive payments, this is definitely the easiest and most straight forward way to accomplish this.