How to Complete Set Up of PayPal Checkout

Contents

Overview

PayPal helps drive growth for your business. Now, you can offer more payment types in more places, including major credit and debit cards with no monthly fees, local payment methods, PayPal Credit, as well as PayPal, with  320M+ active users globally. Enjoy an improved checkout experience that drives conversions and customer lifetime value. Tap into new markets easily, with support for 100+ currencies across 200+ markets. Get additional peace of mind from advanced Fraud Protection on eligible transactions. And help improve your cash flow, with instant access to funds the moment a sale is made. 

With instant onboarding available via the Visualsoft Admin, self-onboard (create a new PayPal Business account or use an existing one) and start accepting payments within minutes. 

As your business grows, you will look to use a solution that offers a wide variety of payment types. In addition to VISA, Mastercard, Amex and PayPal, local payment methods such as iDeal and SoFort are available which will help with international expansion. To maximise the customer experience, PayPal only presents relevant payment methods to your customers based on their location. This allows for more payment choices whilst maintaining a streamlined checkout experience. All payments are settled in one PayPal account. 

Current list of Alternative Payment Methods available 

• iDeal - Netherlands

• Bancontact - Belgium

• Giropay - Germany

• eps - Austria

• ELV - Germany

• MyBank - Italy

• Sofort - Austria, Belgium, Germany, Italy, Netherlands, Spain

• Przelewy24 (P24) Poland

PayPal offers best-in-class tools to help prevent fraud and simplify compliance;

• 3DS 2.0 protection on card transactions 

• PCI compliant solution

• PSD2 ready

• PayPal Seller Protection for Merchants on PayPal Wallet transactions 

• 24/7 fraud detection and monitoring 

As part of the onboarding, you can choose to use PayPal for the following;

• Advanced Card Payments - (Visualsoft refers to this as the Primary Payment Gateway and replaces PayPal Pro as PayPal’s best Payment Gateway Solution)

• Wallet - (allows you to offer PayPal regardless of which Primary Payment Gateway you use and replaces PayPal Express)

• Pay in 3 - On site messaging on product pages and basket pages to let customers know that you offer Pay in 3 by PayPal. 

• PayPal Credit - available from £1 up to £20,000 with terms of 6, 12, 18, 24, 30,36 and 48 months with each account able to offer 4 terms. 

Please note, that to offer PayPal Credit, you will need a Credit Broker License and PayPal will need to approve this and provide you with a code that you can then submit through the VS Admin. You must also be processing over £5 million online revenue and will move all processing through PayPal Checkout. To start this process, please use the contact details provided below, giving PayPal the required information that is detailed.

PayPal Pricing

In order to use PayPal Checkout, you need to have a PayPal business account, with the following transactional fees agreed and paid through PayPal: 

If you are switching from PayPal Pro to Advanced Card Payments, you will benefit from more competitive rates, improved geographical coverage and stronger fraud management in addition to the monthly fee no longer applying. 

If you are upgrading from PayPal Express to PayPal Wallet you will also benefit from competitive rates, with PayPal now offering 2.9% +30p in place of 3.4% + 20p as standard. In addition to this, you will be able to offer local payment methods as mentioned above.

Whilst there is no ability to take offline orders for PayPal through the VS Admin, you can do this using PayPal's portal which also gives you access to day-to-day reporting, sales performance analysis and the risk analysis and fraud prevention tools. If taking offline orders via the VS Admin is important to you, you can use an alternative gateway for this functionality. 

If you would like to go ahead with this integration, there is no need to submit a ticket. Simply go into your admin and follow the onboarding steps and you could be processing PayPal payments within minutes.

Prerequisites

You will need:

• Admin privileges

• Responsive checkout

Process to onboard

There are two paths, each one starts by going into the VS Admin, hovering over ‘settings’ and clicking on ‘Payment Provider Onboarding.’

Once here, click the red ‘create new setup’ button and you will be greeted by the following screen;

If you have a multisite, you will see a screen listing your available sites:

If you have a multisite you would need to click on the site you would like to have PayPal Checkout on and then click on ‘start process.’

For non-multisites, to start the signup process, click on the red ‘Sign up for PayPal’ button. 

You will then see this screen:

Open

Please sign up using a business account. If you try to sign up with a personal account the following options will be presented:

Open

Below is a flow of the signup process for existing PayPal merchants and for merchants that are new to PayPal.

Existing PayPal Merchants

Open

Steps

• Add the email address for your business account.

• Login with PayPal.

• Accept Permissions.

• Click ‘return to Partner’

• A screen will appear to advise that PayPal Wallet has been enabled. In this screen, you will also be asked if you would like to install Advanced Card Payments.

• Return to the Visualsoft Admin where you will be onboarded to the solution you requested with the ‘create new setup’ steps.

New PayPal Merchants

Open

Open

Steps

1. Create an Account.

2. Provide Business Details.

3. Provide ID Documentation ( This can be skipped, but be aware that a limit of £500 is applied until PayPal can verify the account so merchants should look to do this promptly).

4. Click ‘

return to Partner’

1. A screen will appear to advise that PayPal Wallet has been enabled. In this screen, you will also be asked if you would like to install Advanced Card Payments. Please only install Advanced Card Payments if you wish to use PayPal as your Primary Payment Gateway.

New merchants will be allowed to transact to a limit of £500 whilst their account is being verified. 

PayPal Settings

Once set up, there will be an additional screen under settings in the admin called ‘PayPal Settings.’ Going in here gives you access to three tabs. 

Config

The config tab allows you to see what has been enabled. In the config tab you can;

• Turn Advanced Card Payments on ( this is a Payment Gateway. Please be aware that if you enable this, it will replace the existing Primary Payment Gateway you have on the front end of your site.

• You can turn Advanced Card Payments off if you are changing to another provider. 

• Turn PayPal Wallet on and off. 

• Turn Pay Later Messaging on and off (If you would like Pay in 3 messaging to show, please set 'Pay Later Messaging' to '

on'. NB: Paypal Pay in 3 functionality is handled within Paypal's own payment environment once a consumer has logged in. Customers will have the option to pay in full or Pay in 3 once they have opted to Pay with Paypal) 

Should you make changes, and wish to return your settings back to their original defaults (from initially onboarding) then you can see those defaults below: 

PayPal Credit

Important information for Regulated Paypal Credit:

Merchants must meet the following requirements:

• Must be processing over £5 million online revenue and will move all processing through PayPal Checkout (gateway)

• Must have a Credit Broker License.

If you have successfully applied for a Credit Broker license with PayPal, they will give you an activation code which you can enter here and advise which site this applies to.

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Setup Details

Here you will see the primary email address associated with your PayPal account, your merchant ID and the API scopes available to your account.

Should you wish to contact PayPal, here are the details you will need to provide and the email addresses to reach them on;

• Platform Name : Visualsoft

• Company Name :

• Company Address : 

• Contact Name : 

• Contact Phone Number : 

• Email address:

• URL:

• Turnover:

Filling in the above will ensure that the correct representative from PayPal contacts you.

Please add both of these email addresses; DL-PayPal-UK-TS-Leaders@paypal.com and Idrglobal@paypal.com - you should expect to receive a response from PayPal within 1-3 working days.

Version 1.2 - Lauren Dunthorne & Darran Matthews - March 2021