PayPal Payments

 PayPal Description
Today, PayPal is the one payment method on the Internet that can't be ignored. PayPal is the global leader in payment solutions with more than 173 million accounts opened in 190 countries.

PayPal allows you to accept credit/debit card payments. Creating a PayPal account is optional for the buyer and they can pay by directly entering their credit card number on the PayPal site.

By activating PayPal on your site, you also increase your potential by welcoming the millions of buyers who already have a PayPal account and trust this payment method. They can use their account to simplify payment on your site.

Click here for more information about PayPal.
 
 PayPal Payment Solutions
The PayPal integration is organized around 2 solutions:

PayPal Website Payments Standard: Complete payment solution for accepting credit/debit card payments (Visa, MasterCard, etc.) AND PayPal account payments. This is the ideal solution if you haven't proposed a card payment method on your Actinic site yet.

PayPal Express: This is a solution that allows you to speed up the ordering process (by bypassing the creation of the buyer account and the selection of a payment method in Actinic).

These solutions are available on the Actinic platform. You can activate these 2 solutions independently of each other.
 
 PayPal Registration
Before setting up the PayPal payment solution on your Actinic site, you first need to register with PayPal. Once registered, come back to this page in the guide and perform the configuration operations described below. If you don't respect these configurations, the PayPal payment solution won't work with your Actinic site.

Signing up for PayPal is free of charge and only takes a few minutes.

VERY IMPORTANT: At the time of registration, you MUST create a Premier or Business account. Only Premier and Business accounts are compatible with the Actinic system. During registration, you will also have the possibility of undergoing a procedure to verify your bank account information in order to become a Verified PayPal user. We highly recommend performing this operation. A Verified PayPal account is more credible from a buyer's standpoint. If you don't have the time, this operation can be performed at a later date.

Click here to sign up for PayPal services.

Note: If you already have a PayPal account:
If you have already created a Personal PayPal account, you will need to upgrade to a Premier or Business account. To do this, go to the administration space of your PayPal account and select "Upgrade Account" in the "Enhance Your Account" section.
 
 Configuring Your PayPal Account
As a reminder, you can only perform the configurations described in this section if you have a Premier or Business account with PayPal.

For your PayPal account to function properly with the Actinic system, you must perform several configurations in the administration space of your PayPal site. These operations are described in detail in this section.

To configure your PayPal account, go to the administration space of your PayPal account, select the main "My profil/ Seller preferences" . You will be brought to a page entitled "My profile" . This is where you will perform the different configurations.

1) VERY IMPORTANT: API Access
The term API is an abbreviation for "Application Programming Interface". PayPal provides an interface allowing platforms (like Actinic) to communicate with its services. This interface is secure. Therefore, to initiate a dialog, it is essential that the third party (your Actinic site) authorizes the platform to "talk" to PayPal on your behalf. Rest assured, granting API access in no way allows Actinic to know the activity of your PayPal account or the confidential information contained therein.

VERY IMPORTANT: Without API authorization, none of the orders on your site can be treated by PayPal.

To authorise Actinic to communicate with your PayPal account, you have two possibilities. In most cases, the first possibility will be used, which is pretty easy to set up:

Solution 1 (Recommended): Grant Actinic API Permission

Under the "Seller preferences" menu, click on [Update] by "API Access" You will have two options. Choose Option 1 granting API permissions to a third party.
Complete the form as follows:

Third Party Permission Username: paypal_api1.oxatis.com

Available Permissions: 1 and 7 (Use Express Checkout to process payments. AND Obtain information about a single transaction.)

Now click on [Add] to save your changes.

You're finished! From now on, Actinic should be able to communicate with your PayPal account via the API. We have developed a test procedure that allows you to verify the connectivity. You can find more information about this test further down in this guide. In the meantime, start by completing the configuration of your PayPal account before configuring PayPal in the administration space of your Actinic site.

Solution 2 (Advanced): Request API Credentials

Under the "Seller Preferences" menu, click on [Update] by "API Access".
You will have two options. Choose Option 2 requesting API credentials". Now select "Request API signature" as the type of "Credentials" then click on [Agree and Submit].

Safely store the information displayed on the following page: API Username, API Password and Signature. Print the page and copy/paste this information in a document that you will store on your computer. You will later enter these properties in the "PayPal API Access" section of the PayPal properties management page of your Actinic administration site.

2) Tax/VAT: No PayPal Management
Taxes and VAT are completely handled by the Actinic system. The amounts of the payments sent to PayPal include all due taxes. Don't add a tax rate in the administration of your PayPal account. By default, your PayPal account doesn't manage tax rates. Don't modify this behavior.

Nothing to configure. Verify the absence of tax rates in the "Value Added Tax" section.

3) PayPal Shipping Calculations: No PayPal Management
Shipping calculations are performed in your Actinic site and the amount sent to PayPal already includes these fees. Don't add or modify these fees in the administration space of your PayPal account.

Nothing to configure. Verify the absence of shipping fees in the "Postage Calculations" section.

4) Verify the Name That Appears on the Credit Card Statement
In the "Profile Summary" page, click on the "Payment Receiving Preferences" link.

On the bottom of the following page, complete or verify the name that will appear on your customers' credit card statements.

5) Mandatory Support of Instant Payment Notification (IPN)
Instant Payment Notification is a dialog that is established between PayPal and the Actinic servers during the transaction. This dialog must be activated. Otherwise, the Actinic servers won't be aware of the results of the transaction and won't be able to perform numerous operations that follow a successful payment (dispatch of the order confirmation, stock management, order tracking update, etc.).

Under the ”Seller Preferences” menu, click on [Update] by "Instant Payment Notification Preferences".
In the "Profile Summary" page, click on the "Instant Payment Notification Preferences".

Click on the [Choose IPN Setting] button.

Now, activate the instant payment notification by checking the box and enter the following URL: https://secure.oxatis.com/PayPal-IPN.asp

Save your changes.
After saving, you are going to see the following configuration:
Instant Payment Notification (IPN): On
Instant Payment Notification (IPN) URL: https://secure.oxatis.com/PayPal-IPN.asp

6) Support of Auto Return.
As the name suggests, auto return automatically returns the buyer to your site at the end of the PayPal transaction. This allows you to notify the customer of their order number and to be certain that they will be able to read the information that is displayed and that you've configured in your Actinic site (thank you note for their order, message pertaining to the PayPal payment method, etc.).

Under the ”Seller Preferences” menu, click on [Update] by "Website Preferences" link.

Now set Auto Return to “Yes”.
Then enter the following Return URL: https://secure.oxatis.com/PayPal-IPN.asp
Lastly, set Payment Data Transfer to “On”.
Leave the other sections at their default values.
Save your changes.

7) Optional Configuration Operation: Create a Custom Payment Page.
With PayPal, you can design a payment page whose appearance is similar to the pages of your site by configuring a logo, a background color, etc. This can be done pretty easily. This operation is optional and it is entirely possible to use PayPal without creating a custom payment page.

In the "Seller Preferences" page, click on the "Custom Payment Pages" link.

Follow the instructions provided by PayPal.
 
 PayPal Set Up and Activation on your Actinic Site
Once you have finished configuring your PayPal account, go to the administration space of your Actinic site and select the "Commerce\Payment Methods\[Add a Payment Method]” menu.

Add the "Credit Cards or PayPal Account" option. If you want a pure PayPal payment solution, select “Payment with PayPal Account”.

On the next page, click on the [Subscribe or Configure Properties] button. Click on the [Modify] button to enter the properties of your PayPal account.

Don't forget to also fill in the "PayPal API Access" section. Indicate the API access mode that you have configured in your PayPal account (usually API permission for [paypal_api1.oxatis.com]).

NOTE: If you don't uncheck the box on the bottom of the "Your PayPal Account Properties" section, we will automatically activate the PayPal payment method on your site when you save the properties.

Save your properties.

VERY IMPORTANT: Immediately after saving the properties, you have to verify that the dialog between Actinic and PayPal has been established. To do this, click on the [Test API Access] button in the "PayPal API Access" section. Verify that the connection with PayPal is completed without error. If an error occurs, carefully check the properties that you have entered for the PayPal API Access. If you aren't able to pass this test, deactivate the PayPal payment method in the Payment Method section of your site ([Commerce\Payment Methods] menu) and go to your PayPal administration space to check the API access configuration.
 
 Test It!
If you have strictly respected all of the information defined in this page, your site should be able to accept PayPal payments.

However, play it safe! Your future sales are on the line. It is essential to perform at least one real transaction to make sure that the entire process works. Assume that if you haven't tested the process, it doesn't work!

The following is a simple and complete testing procedure.

For this test, the collaboration of one of your customers or friends is necessary. They will need to create a personal PayPal account.

You cannot test with your own PayPal account! It just doesn’t work trying to take/receive payments from the same PayPal account.

To start out, create a test product that costs 1 GBP in your product catalog.

Now, create a new user category that you will call "PayPal Test".

Next, create a user with the email address of your collaborator and associate this user account to the new "PayPal Test" category.

Finally, create a shipping option at 0 GBP (to test while exchanging the least possible amount of money) and select the "PayPal Test" category for the "Validity - User Category" section. After defining this category, this shipping option will only be proposed to this user.

Your collaborator can then place an order for the test product on your site and will be offered the free shipping option, which represents a one pound transaction.

Take advantage of this test transaction to become acquainted with payment tracking in the administration space of your PayPal account.

Delete the item for 1 GBP and the "free" shipping option for 0 GBP, which were only created to run the test while exchanging the least amount of money as possible!

Your site is ready to accept PayPal payments.
 
 PayPal Express Activation
PayPal Express is a solution proposed by the PayPal group that allows you to optimize and simplify the purchasing process. With this solution, buyer identification is performed directly on the PayPal site and the customer's information (name, address, phone number) is then directly transmitted to your site. A PayPal customer who uses this solution doesn't have to reenter their personal information and the user account is automatically created on your site during the transaction. This operation is completely transparent for the PayPal customer. Another advantage is that the customer doesn't need to memorize a password for your site. By choosing PayPal Express again during a future purchase, they will be automatically identified during the purchasing act.

As you can see, this is a huge advantage for any merchant site wanting to facilitate the purchasing process as much as possible for new users.

To activate the PayPal Express solution, you have to perform the following operations.

1) Request the buyer's phone number.
By default, a PayPal merchant account (your account) isn't configured to request the buyer's phone number. This means that if you don't perform the modifications described below, you may end up with orders that aren't attached to a phone number to call the customer. However, the email will be included in the order, with the guarantee that it's valid because it was sent by PayPal.

If you're set on obtaining the buyer's phone number, you have to perform the following modification.

In the administration space of your PayPal account, select ”Seller Preferences” menu, click on [Update] by "Website Payment Preferences".

Now, in the right hand column entitled "Selling Preferences", select "Website Payment Preferences".

On the following page, scroll down to the "Contact Telephone Number" section. In the "Contact Telephone" field, select "On (Required Field)" or "On (Optional Field)" in relation to the importance of the customer's phone number for your activity or order tracking.

Don't forget to click on the [Save] button to save this modification.

2) Activate PayPal Express in the administration space of your Actinic account.
To activate PayPal Express, go to the PayPal property management page via the [Commerce \Payment Methods \PayPal] menu and click on the [Modify] button. In the property modification view, check the "Activate PayPal Express" box. Don't forget to save your changes.

Once you have activated PayPal Express, it is highly recommended to perform a REAL test in your site's shopping cart.

Open your public site in a new browser window. In your catalog, add an item to the shopping cart. You should see a "PayPal Express" button under the summary of the ordered items. Click on this button and verify that you have been brought to the PayPal identification page.
 
 PayPal FAQ
1) Why did PayPal develop PayPal Express?
PayPal developed this solution because numerous studies show that an ordering process that is too long or too tedious is the PRIMARY cause of abandoned orders in online purchases.
Indeed, it is often necessary to create a user account, choose a password for this account (and to remember it!), to provide personal information that is often identical each time a purchase is made by the same person, select a payment method, etc. All of these repetitive operations "kill" a lot of impulse buys and even certain planned purchases.
Therefore, PayPal proposes a completely new approach. The concept consists of PayPal identifying the customer so that the buyer can avoid continuously performing these needless steps.

2) What are the fundamental differences between PayPal and PayPal Express?
PayPal is a conventional payment method that is proposed at the end of the purchasing transaction and allows the customer to pay either using their PayPal account or a credit card. Therefore, everyone can use this solution.
PayPal Express, which is reserved for customers who already have a PayPal account, is both a payment method and (especially) an identification method! And this is where all the difference lies! PayPal Express appears very early on in the purchasing act in order to simplify the customer identification problem.
Comparing the two purchasing processes will allow you to understand the advantages that you provide to your customers by activating PayPal Express on your site.
Process with PayPal ExpressProcess with conventional PayPal
1 - Visit the catalog1 - Visit the catalog
2 - Add items to the shopping cart2 - Add items to the shopping cart
3 - Click on the [PayPal Express] button and log in with PayPal!3 - Decide to place the order and create a customer account with email and password entry. The customer account in question is created on the e-commerce site, not with PayPal.
 4 - Enter the customer billing and shipping information
4 - Choose the shipping service5 - Choose the shipping service
 6 - Select the PayPal payment method
5 - Validate the order confirmation7 - Validate the order confirmation
 8 - Log in to the PayPal site
 9 - Validate the payment with PayPal
6 - Order recorded10 - Go back to the e-commerce site to get the order confirmation

3) What are the steps in the purchasing procedure with the conventional PayPal payment method?
StepsComments
1 - The customer visits the catalog. 
2 - The customer adds items to the shopping cart. 
3 - The customer decides to place the order. 
4 - The customer signs in.If the customer doesn't have a user account on your site, they have to create one by choosing a password.
5 - The customer enters or verifies their personal information.If they are a new customer, they will enter their personal information (last name, first name, address, etc.)
If the customer is known by the site, the information form is already filled out with the information from their account.
6 - The customer selects a shipping option.If the customer abandons the order after reaching this step (they close their Internet browser, for example), the customer account has already been created in your user base. Therefore, they will receive your newsletters, unless, of course, they refused subscription.
7 - The customer selects a payment method.The customer chooses PayPal from the list.
8 - Final verification of the information contained in the order and order validation.Just after the order has been validated and before the customer is brought to the PayPal site, the order is recorded in your site in the "Payment Pending - Payment Processor" state. From this moment on, the order is visible in your site's order tracking component.
9 - Arrival on the PayPal site, then identification or creation of a PayPal account. If the customer abandons the order at this stage, the payment status won't change on your site and will remain in the "Payment Pending - Payment Processor" state. You can't immediately know that the customer abandoned the order because they may just be taking a while to create their PayPal account, for example. Therefore, wait a while before deleting the order from the order tracking component.
10 - PayPal payment acceptance and validation.In this case, PayPal automatically calls your site just after accepting the customer's payment. This call is completely transparent and is carried out server to server. The payment status automatically changes to "Payment Confirmed". (Note that if the payment is refused, the process is the same and the payment status becomes "Payment Refused".)
11 - Payment summary displayed on the PayPal site with redirection to your site after 15 seconds. There is no impact on the order if the customer closes their Internet browser before returning to your site. The order has already been confirmed in the previous step.
12 - Order number and thank you message displayed on your site. 

4) What are the steps in the purchasing procedure with PayPal Express?
StepsComments
1 - The customer visits the catalog.  
2 - The customer adds items to the shopping cart. 
3 - The customer decides to place an order and clicks on the "PayPal Express" image displayed directly in the shopping cart.A "preorder" is recorded (with a detail of the items, prices, quantities) between the moment with the customer clicks on the "PayPal Express" image and the moment when they arrive on the PayPal site. This "preorder" isn't visible in the order tracking component of your Actinic site.
4 - The customer arrives on the PayPal site to sign in.If the customer isn't a PayPal customer, PayPal allows them to create an account "on the fly".
If the customer has a PayPal account, they simply enter their PayPal email and password.
If the customer abandons the order at this stage, the preorder will be deleted and nothing will be visible in the order tracking component of your site.
5 - After signing in to PayPal, the customer is sent back to your site by PayPal and is brought directly to the shipping options selection.When the customer is sent back to your site, PayPal passes all of the customer information (last name, first name, email, etc.) on to your site. Using the email address, Actinic attempts to "connect" this customer to an existing user in your user base. If the email is unknown, a new user account is transparently created for the customer.
From now on, the order is visible in the order tracking component of your site. Its state is set to "Payment Pending - Payment Processor".
6 - The customer selects a shipping option.If the customer abandons the order after reaching this step (they close their Internet browser, for example), the customer account has already been created in your user base. Therefore, they will receive your newsletters, unless, of course, they refused subscription.
7 - Final verification of the information contained in the order and order validation.Just after the order has been validated, the order is completed with the customer's information. A transparent payment request (server to server) is made with PayPal. If the payment is approved, the payment status changes to the "Payment Confirmed" state. If refused, the payment status changes to the "Payment Refused" state. If PayPal refuses the payment, the customer can backtrack and select another payment method.
8 - Order number and thank you message displayed on your site. 

5) Who is the PayPal Express solution intended for?
PayPal Express can be used by all of the customers on your site, but is first and foremost intended for the millions of customers who already have a PayPal account (more than 20 million accounts in the UK in February 2008, PayPal source). It is also entirely possible to create a PayPal account through PayPal Express, but this slightly increases the length of the transaction.

6) What happens if one of my customers decides to use PayPal Express and they don't have a PayPal account?
On the first page of PayPal Express, an identification procedure will be proposed to the customer. If they don't have a PayPal account, they can create an account using a wizard that is several pages long. This account creation is completely transparent in relation to the purchasing procedure on your site. Once the PayPal registration is completed, the customer will be redirected to your site and their personal information will be posted so that they can continue with the transaction. Note that the customer isn't obligated to create a PayPal account. They can simply backtrack to your site and decide to continue with the classic purchasing procedure.

7) Can I change the image of the PayPal Express button?
Using the official image of the PayPal Express button is imposed by PayPal. PayPal wants it to be easily recognizable and identical on all e-commerce sites that support PayPal Express technology. For this reason, it is impossible to change or modify this image.

8) Why can't the customer choose their shipping option before going to the PayPal Express site?
For the simple reason that the customer is still anonymous and unknown as far as the shopping cart is concerned! It is impossible to propose shipping options to the customer because their address is still unknown. Therefore, the shipping options are proposed after being identified by PayPal.

9) Can I just propose the conventional PayPal payment method on my site?
Yes, of course you can. You aren't obligated to activate PayPal Express on your site. If you think that this payment method may be frowned upon by your customers, deactivate it and just use the conventional PayPal payment method. To deactivate PayPal Express, go to the administration page accessible through the [Commerce\Payment Methods\] menu and click on the last icon to the right of the PayPal payment method. Uncheck the "Activate PayPal Express" box.
Note that activating or deactivating PayPal Express in no way affects the functioning of the conventional PayPal payment method.

10) Can I just propose the PayPal Express payment method on my site?
In theory, yes. However, this doesn't make much sense. To be able to activate PayPal Express, you have to perform the entire configuration procedure for your PayPal account. After this configuration has been performed, it would be a waste not to propose the conventional PayPal payment method as well on your site. It is recommended to propose as many payment solutions as possible to give your customers as many choices as possible.

11) Why not directly propose the PayPal Express logo in the payment method selection page during the purchasing act?
Proposing PayPal Express on the payment selection page wouldn't make any sense (and PayPal would NOT want you to!). If your customer is on the payment page, they have ALREADY signed in to your site and entered all of their personal information. What good would it be to ask them to identify themselves a second time? This goes completely against the PayPal Express philosophy. If your customer has come all the way to the payment method selection page for their order, this is the page where our system will propose the conventional PayPal payment method.

12) Is a user account created on my site when the order is treated by PayPal Express?
YES. After signing in on the PayPal site, PayPal passes all of the customer information (last name, first name, email, etc.) on to your site. Using the email address, Actinic attempts to "connect" this customer to an existing user in your user base. If the email is unknown, a new user account is transparently created for the customer. The user account is created without a password, but the customer can then very easily retrieve a password by going to the management space of their account (My Account). If the password doesn't exist and the user requests it, a random password will be created and sent to their email address! Note that the user account stays in your database even if the buyer doesn't complete their order after returning to your site. Therefore, you don't lose prospects or customers by using PayPal Express.

 

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