I'm currently developing a mobile application which will list businesses in a marketplace type format i.e. individual business listings, allowing users to purchase smalls items through our application.
Ideally each individual end user will be able to select their desired payment method such as PayPal, Mastercard or visa during sign up; however, we would also like to provide the option to change their desired payment option at a later stage.
The payment details saved by the end user will be stored and then delegated to the businesses at the end of the month etc.
Payment to the businesses will be made at end of month less our fees/subscription.
We conducted research and decided PayPal Adaptive payments to be the ideal option for chained payments to each business; based on the review of Braintree, Stripe and PayPal. Braintree was our next option however they don't offer their marketplace solution to customers outside of the US.
We have attempted to contact PayPal Developer support on numerous occasions, though have not had much luck in confirming what is required for a complete end to end solution based on our needs.
Our questions for the community are, will PayPal adaptive payments allow for the following:
Provide our end users (purchasing user) the option to choose between PayPal and other credit card options such as Mastercard, Visa, ApplePay
Store user payment details and allow for future updating of payment option
Allow Scan card API so a user scans their credit card using native IOS or Android camera?
Allow for top up type functionality so a user can add funds and top up when funds are low?
Our developer has not worked with the PayPal Adaptive solution, however, believe we cannot implement the above requirements with the Adaptive payment option.
The community we need your HELP as we are currently at a roadblock in the development of the payment solution therefore if anyone has implemented a similar mobile solution your advice or suggestions would be greatly appreciated.
I hope my questions are clear, though please feel free to request additional information.
Regards,
Wayne
PayPal Adaptive Payments is in a limited release. See this Developer Doc on the PayPal Developer website. Although they will continue to support Adaptive Payments for existing users, they will not likely accept new applications unless there is a special circumstance.
May I suggest looking into the PayPal owned company Braintree Marketplace?
Related
Is there Mobile API for Android that have an option to charge clients automatically or in the end of the month? And also can handle wallet information? (I don't want to keep card information on my own server)
For example taxi, Lime (scooters) apps that charges automatically in the end of ride (card information was entered before), or even Google Ads that charges in the end of the month.
Which payment services they are use? Someone familiar?
For PayPal on Android, a partial answer would be the Native SDK: https://developer.paypal.com/docs/business/native-checkout/ (not the web Checkout SDK referenced in another answer)
This does not address recurring billing / future transactions, however. For that with PayPal you need a feature called 'reference transactions' to be able to save or vault a billing agreement with each user. The PayPal business account owner can contact PayPal's general support (not their technical support) to inquire about enabling reference transactions with their service, and explain the business need for it. On review, PayPal may or may not approve the request, which is necessary for auto billing.
Most merchant services should provide you with one. Here is paypals, but you would only want to use it if paypal is your merchant.
https://github.com/paypal/Checkout-Java-SDK
Really, you should contact your merchant services (the company you are running the credit cards through)
My startup is developing a real-time marketplace platform for taxi companies somewhat similar to Hailo, Get taxi, Uber and Lyft (more or less), etc.
We are shopping around for a mobile payment solution and so far, we looked at the products offered by PayPal, Intuit, Braintree, and Stripe.
We are having a hard time with finding the mobile payment solution that fits our requirements.
Requirements:
1) (Must have) Passenger should be able to pay within the app by using previously added payment methods such as Credit Cards (CCs), Paypal (optional). Passenger is asked to enter the CC information only once when they sign up (or add a new card), so the CC info needs to be stored somewhere and retrieved when needed seamlessly. However, we would really prefer not to apply for PCI compliance.
Q.1) Let’s say I use PayPal Mobile SDK 2.* for payment system in our app. In the above scenario (1), is the passenger required to have a PayPal account (even for just using CCs for payment) and link it to our app?
Note: I have spent a lot of time digging into PayPal Mobile SDK 2.0 documentation (also called their support). I was told by the support person that merchants cannot store credit card info with PayPal for mobile payments (which I thought was the whole point of SDK 2.0).
2) (Optional) Passenger should be able to pay with a physical credit card by swiping it in the reader plugged into the driver’s smartphone. However, we need to integrate this process into our app (which is not currently supported by PayPal Here and Square). So, basically we need an API provider that allows creating custom POS integrated with our app.
Q. 2) Am I right when saying that scenario (2) cannot be accomplished with PayPal, Braintree, Intuit, or Stripe?
Q.3) Do you have any suggestions regarding the payment system that would allow us to implement scenarios (1) and (2)? just scenario (1)?
Please help if you have dealt with similar problems or know more about the subject. Thank you
Q3. You can also check out LevelUp. Facilitates in-app payments similar to PayPal and Stripe.
Similar to PayPal, it will allow you to store an access token after the user links their account. You will not be able to charge the card directly, as this would subject you to PCI compliance. LevelUp does not support the ability to swipe a physical credit card.
A. to Q. 1) Yes, the passenger is required to have a PayPal account if you want to enable future payments. PayPal stores and charges the credit card, without the merchant having access to it. This is pretty much the core of the Digital Wallet industry. You might have thought that you could process the credit card yourself, after retrieving it from PayPal. This is not supported, and would subject you to PCI compliance-ness.
A. to Q. 2) PayPal Here does not have a publicly available SDK yet.
A. to Q. 3) Just scenario 1 can easily be accomplished by integrating the 2.0 PayPal SDK.
I have integrated Paypal-SDK with my Android Application This is
working fine when i am using PayPal, but when i am using direct
payment with credit card it crass.... how can make direct payment
using PayPal sdk.
Even the application i have created is showing like that.see the line features that are not - available for live transaction
Now more thing how can i get test credit card details including
cvv so that i can request test transactions in sandbox mode.
In my case, Its giving this Disclaimer:
"Unfortunately, due to recent product changes in the region, we are no longer able to allow Live DCC processing via RESTful APIs to Canada. We are continually looking for ways to expand our services, so please stay tuned. We apologize for any inconvenience this may cause"
This mean that, paypal does not provide Live DCC processing to some areas in "Live api" (you can test it in test Api), you should check if it is the case with you. Either show your log cat.
While Using Test Api, two accounts are generated, one business account, another personal account. You can test it by transferring some amount (not actually transferred) by personal account in your app and check it in your sandbox business account.
It may help you.
I was wondering if anyone has any experience selling apps through the Android, iPhone and Windows Phone market places using a subscription (recurring) payment model?
I have the requirement to develop a cross platform WP7, iPhone, Android application for a health and fitness company. The company wishes to sell the app as a monthly subscription, rather like you would a gym membership. It will be delivering personalised workout and nutrition advice to users as they progress through the programme.
I've read that iPhone supports directly a subscription model for content-delivery apps, e.g. newsreaders, that android supports in-app payments however Windows Phone doesn't seem to support anything like this. So, my question is:
Is something like recurring payments natively supported by any or all of the three main marketplaces?
If not, is there a workaround? Like prompting the user to renew monthly or quarterly and processing a new payment? Any comments / suggestions welcome.
Finally, what caveats should I be aware of with the three main marketplace hosts? I've heard horror stories of companies blacklisted for processing payments outside of the marketplace agreements.
The Windows Phone application policy states
Your application must be fully functional when acquired from Windows
Phone Marketplace (except for additional data as permitted below).
Unless you have a pre-existing billing relationship with the user,
your application may not require the user to provide payment
information, within the application experience, to activate, unlock,
or extend usage of the application.
However this paragraph seems to be ambigious. If anyone has any further information on this specifically I would appreciate it!
Finally, I have found some third party payment processors which claim to allow subscription payments through cloud services, e.g.
MoVend
Linxster
Again appreciate anyone who has had experience with using a similar method to achieve a subscription or recurring payment, even one driven by the user.
Best regards,
As told by a Microsoft rep yesterday:
The only way to do this on Windows Phone will be to redirect the user to a website and take the payment there. It's not permitted to take payment details directly within an app.
I'm trying to write a free mobile app that would make payments merchant-agnostic for the customer.
Context: Most web-apps are merchant centric and allow for multiple payment types from the customer. But the problem I'm trying to additionally solve is to have, say, a mobile app that is capable of paying as many merchants as possible using your debit, credit or PayPal account. It shouldn't rely on per-merchant technical partnerships to work. It should just be able to talk to any merchant after writing the upfront code.
There are a few solutions that come to mind: Integrate with VISA, Mastercard, or PayPal. However, my goal is to integrate with stores that sometimes only take debit, sometimes only VISA, sometimes only PayPal, etc, while re-inventing the wheel as little as possible. I'm wondering if anybody has already solved a problem like this before?
Which APIs are the easiest to integrate against? Could you name a few?
Are there well known merchant-aggregating APIs that are already very popular? Do they cover much larger merchants like Costco and Walmart?
Are there partnership costs (with say VISA) I need to be aware of?
Is there one API to rule them all that would aggregate even across Debit, VISA, PayPal, etc to reduce things to one integration point?
I need this for a free consumer Android app and would really appreciate any help I can get - especially if it's cost-effective.
Best!
Amin
You might be able to obtain a large quantity of Paypal account info on companies who publish their account info for payment, but doing it with credit cards directly would be rather challenging as you would need the company's merchant account information and provider's information in order to process. This info is sensitive data as releasing this info would also allow you to refund yourself money using their merchant account.
Have you thought about using electronic check as a pay option instead? If so, that would allow your app to pay thousands of companies from your application without the complications of getting merchant account info. Let me know if that might be a viable solution for you and I can give you a hand with it.