PayPal User Guide Version 2 – April 2011 PayPal User Guide Table of Contents Before you Start ..................................................................... 4 Why Accept PayPal via WorldPay?........................................... 4 Why Activate PayPal? ......................................................... 4 How does it work? ................................................................ 5 Payment Process ............................................................... 5 Handling PayPal payments..................................................... 7 Costs.................................................................................. 7 Exclusions ........................................................................... 7 Application and Set up ............................................................. 8 Applying and Set Up ............................................................. 8 PayPal Logos ....................................................................... 8 Managing Payments ................................................................ 9 Using the Merchant Interface ................................................. 9 Fraud checks ....................................................................... 9 AVS / CVC ........................................................................ 9 Fraud Screening Checks ................................................... 10 Seller Protection .............................................................. 10 Disputes ........................................................................... 10 Reporting .......................................................................... 11 Receiving PayPal Funds (Settlement) .................................... 11 Capture ............................................................................ 11 Statement Narrative ........................................................... 11 Shopper Contact Details ...................................................... 11 Billing and Delivery Address .............................................. 11 Email Address ................................................................. 12 PayPal User Guide v2 Page 2 of 12 PayPal User Guide Refunds and Cancellations ................................................... 12 PayPal User Guide v2 Page 3 of 12 PayPal User Guide Before you Start Why Accept PayPal via WorldPay? WorldPay has integrated with PayPal giving merchants the ability to accept PayPal payments through the WorldPay payment pages. PayPal is now available for merchants receiving their funds ("settlement") in the following currencies: • British Pound (GBP) • United States Dollar (USD) • Euro (EUR) A single administration and reporting system for WorldPay and PayPal payments means you'll save time and effort by accessing statements and reports including PayPal payments through the WorldPay Merchant Interface. Why Activate PayPal? • Incremental sales lift - 14% average • Over 20 million registered users in the UK alone (over 175 million globally) • One in three UK online shoppers prefer to use PayPal PayPal User Guide v2 Page 4 of 12 PayPal User Guide How does it work? Payment Process The PayPal and WorldPay systems work together as follows: 1. The PayPal payment option will be available for your shoppers to select on the WorldPay payment page alongside the other card types you accept. Screenshot: Payment Page with PayPal 2. When a shopper selects PayPal, they are diverted to the PayPal login page to complete the transaction. Shoppers who do not yet have an account are required to open one before being able to complete the payment. This lengthens the payment process time but is a one off process. Screenshot: PayPal Shopper Login Screen PayPal User Guide v2 Page 5 of 12 PayPal User Guide 3. After the payment has been made the shopper is returned to the WorldPay payment page where the payment confirmation screen is displayed. During the authorisation process the shopper will see the merchant’s PayPal account name (having the form of an email address) and his customer service email address- and may use either of these to contact you. Screenshot: WorldPay Payment Confirmation Screen 4. Your shopper receives a payment confirmation email from both WorldPay and PayPal and the payment is assigned both an WorldPay and a PayPal Transaction ID. In the PayPal confirmation email your PayPal account name (an email address) is displayed- please be aware that the shopper could use this address to contact you so your PayPal account name should be a valid email address (refer to Setting Up for more information on specifying your PayPal account name). PayPal User Guide v2 Page 6 of 12 PayPal User Guide Handling PayPal payments PayPal will settle to WorldPay, who will settle to your bank account. PayPal settles ’r;net’, after having deducted the PayPal fee from the transaction amount. Settlement to your WorldPay account will take between 3 and 6 days after capture. Settlement currencies- PayPal payments can be settled in USD, GBP and EUR via WorldPay. Each currency requires a specific PayPal account and a bank account in the country where the currency is applicable. Costs PayPal can be added to your Business Gateway package at no additional cost. WorldPay doesn't charge for processing PayPal transactions but standard PayPal transaction fees apply. These vary depending on the type of business- please refer to the charges information on PayPal’s website for more information. Exclusions PayPal can’t be used to process Recurring Payment or MOTO payments. PayPal User Guide v2 Page 7 of 12 PayPal User Guide Application and Set up Applying and Set Up PayPal is added automatically as a payment method when you apply for the WorldPay service unless you opt-out using the checkbox provided. You can also apply at any time afterwards by emailing [email protected] When you sign-up you will be asked to provide us with permission to contact and share your details with PayPal so they do their part of the setup. PayPal will contact you about setting up a new PayPal account or configuring your existing account with them. Once their part is complete, PayPal send us the necessary details and we compete the setup on our system. If you sign up at a later date we will send you an email to confirm your application, to seek your authorisation for us to share your data with PayPal and collect any information we need to set up your PayPal account. PayPal Logos When you’re ready to start processing PayPal payments you’ll need to display the PayPal logo on the body of your website. You can download the PayPal logos from https://www.paypal.com/uk/cgibin/webscr?cmd=xpt/Marketing/general/OnlineLogoCenter-outside PayPal User Guide v2 Page 8 of 12 PayPal User Guide Managing Payments Using the Merchant Interface PayPal payments are reported along with your credit and debit card payments on the Payments screen of the Merchant Admin Interface and in relevant reports. For more information on managing all your payments please refer to our Payments and Orders guide. PayPal payments can also be managed logging in on PayPal’s site to manage PayPal payments but it will usually be preferable to manage all your payments (cards and other types) in one interface. PayPal’s Transaction ID will be displayed with the payment in the Merchant Interface along with the WorldPay Transaction ID. Fraud checks AVS / CVC AVS and CVC checks are carried out differently from credit and debit card payments, as follows: 1. CVC When a PayPal payment is processed, PayPal return a result indicating whether the PayPal account holder’s status is ’confirmed’ or ’unconfirmed. ‘Confirmed’ status means that PayPal have carried out additional identity checks on the shopper and ‘unconfirmed’ that they haven’t. The status check is mapped to the CVC check with a 'confirmed' status providing a CVC ‘match’ response and 'unconfirmed' providing a ‘mismatch’ response. 2. AVS PayPal provide an address check on the address used for payment. If the address is a confirmed address at PayPal, (in most cases this means the address matches the billing address for their card) then PayPal return a confirmed response and this is mapped to an AVS response of ’matched’. If PayPal return an unconfirmed response, this is mapped to an AVS response of ’not matched’. Both AVS and CVC results are displayed in the Merchant Admin Interface. PayPal User Guide v2 Page 9 of 12 PayPal User Guide Fraud Screening Checks Fraud Screening results are not available on PayPal transactions because many of the details used to make a payment through PayPal are not released to WorldPay, which means we don't have enough data to make a valid risk score. However, PayPal carry out their own risk checks on transactions- for more information refer to PayPal’s website. Seller Protection PayPal transactions are covered by PayPal’s Seller Protection provided you comply with the full Terms and Conditions listed on the PayPal's website. This protect eligible merchants from claims, Chargebacks and reversals. For more information refer to PayPal's website. Filename: pp8000.htm FeedBack © WorldPay Glossary Disputes As with credit and debit card payments, PayPal payments can be disputed by customers. PayPal have a dispute resolution process which differs slightly to tahts used for credit and debit cards. Shoppers must file a dispute within 45 days after the original payment date. PayPal's dispute management process then aims to resolve shopper complaints directly with the merchant before a Chargeback is raised. In this situation you will be contacted directly by PayPal. PayPal User Guide v2 Page 10 of 12 PayPal User Guide Reporting PayPal payments are displayed alongside debit and credit card transactions in reports such as the Get Statement report. Receiving PayPal Funds (Settlement) For all Business Gateway merchants PayPal transactions are paid to you directly by PayPal (not WorldPay). Capture Successful PayPal payment results in an “AUTHORISED” WorldPay payment status. Once the payment has been “AUTHORISED” the payment can be “captured” and “cancelled.” As with credit and debit card transactions, once the payment reaches the status “SETTLED” standard functions are applicable to these transactions, such as refund. PayPal guarantees settlement if they receive the Capture within 3 calendar days after authorisation- the Capture Delay Period in the merchant profile must be set to a value between 0 (automatic) and 3 days. Authorised transactions that have not been captured within this time window will automatically be booked to ‘Expired’. Statement Narrative To change the statement narrative displayed to shoppers on their card statements, please email paypal@ worldpay.com. Shopper Contact Details Billing and Delivery Address If you supply the shopper's address by passing it to the WorldPay payment page from your website, this address is submitted to PayPal. The address can’t be changed by the shopper once they log in to their PayPal account, and PayPal verifies this address to see if it has been confirmed or not- refer to AVS checks for more information. PayPal User Guide v2 Page 11 of 12 PayPal User Guide If the shopper doesn’t supply an address, they can select or enter an address once they have logged in to PayPal. Again, PayPal checks whether the address is confirmed and the result of this check is mapped across to the AVS result. Email Address If the shopper provides an email address on your website before making the PayPal payment, this is used as the contact address for the shopper. If they don’t provide an email address, their PayPal account email address or another email address, should they enter one once logged in to PayPal, will be used. Refunds and Cancellations Full or partial refunds can be carried out on PayPal payments for up-to 60 days after the original payment date. Refunds attempted after the 60 day period will not be successful- if you wish to refund such a payment you should use an alternative method. As with credit and debit card payments, refunds can only be carried out if there are sufficient funds in your WorldPay account to cover the refund amount. When a refund is carried out the funds are sent back to PayPal who credit them to the shopper’s card/account. PayPal User Guide v2 Page 12 of 12
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