PayPal
PayPal is now part of Aria Smart Payments. PayPal is a financial technology company providing a global online payments system, operating in about 200 markets with over 100 million active users in countries that support online money transfers. The company operates as a payment processor for online vendors, auction sites, and many other commercial and company users.
Features
- Tokenization
- Credit Card Processing (Authorization, Capture, Cancel, Reversal)
- Soft Descriptor
- CVV/AVS Controls
Merchant Account Details Tab
To set up PayPal Smart Payments, access the Merchant Account Details tab as shown:
The following fields appear:
| Field | Description |
|---|---|
| API URL | This is the PayPal endpoint URL used to make API calls. It is required at either the Payment Gateway or Collection Group levels. The Collection Group value supersedes the Payment Gateway level value. |
| Client ID | The identifier for the PayPal application. It is used to identify your app when making API requests. |
| Client Secret | The Secret key associated with the PayPal application. It is used in combination with the Client ID to authenticate and authorize your app. |
Processing Options Tab
Access the Processing Options tab as shown:
The following fields appear:
| Field | Description |
|---|---|
| 3DS Notification URL (under 3DS Authentication Settings) |
The URL the customer will be redirected to after completing the payer authentication. |
| Send Level2/Level3 Data in the payment request (under Level2/Level3 Data Options) | If set to Yes, the Level 2/Level 3 data is sent (default is No). This applies to Credit Card (pay method 1) and Tokenized Credit Card (pay method 13) payments (for the Visa and Mastercard card types). Data will be truncated based on maximum length column values. The maximum invoice line item length is 100 in accordance with PayPal requirements. This supports the USD Currency Type (providing this data allows certain merchants to benefit from discounted processing fees for U.S. domestic payments). |
PayPal's Smart Payments integration includes 3D Secure authorization for Credit Cards using the following APIs:
- authorize_electronic_payment_m or update_payment_method_m for challenge form submission
- authorize_3dsecure_m for creation of the authorization
Field Options Tab
Access the Field Options tab as shown:
The following field appears:
| Field | Description |
|---|---|
| soft_descriptor |
This is the payment descriptor on account transactions on the customer's credit card statement that PayPal sends to processors. The maximum length of the soft descriptor information that you can pass in the API field is 22 characters; any additional characters will be truncated before they are sent to PayPal (the PayPal prefix uses 8 characters). The order of precedence for soft descriptors is as follows:
The soft descriptor supports the following ASCII characters: Alphanumeric characters, Dashes, Asterisks, Periods (.), and Spaces. Select an accompanying value at the drop-down list:
|
CVV Conditions Tab
Access the CVV Conditions tab as shown:
Note: IM is International Maestro, VI, is Visa, MC is MasterCard, DI is Discover, and AX is American Express.
The following selections appear (click the checkbox to ignore the error code):
| Processor CVV Result | Description | Error Code If Disallowed |
|---|---|---|
| 0 | For IM, the CVV2 matched. | 6007 |
| 1 | For IM, the CVV2 did not match. | 6013 |
| 2 | For IM, the merchant has not implemented CVV2 code handling. | 6007 |
| 3 | For IM, the merchant has indicated that CVV2 is not present on card. | 6014 |
| 4 | For IM, the service is not available. | 6018 |
| E | For VI, MC, DI, or AX, error - unrecognized or unknown response. | 6007 |
| I | For VI, MC, DI, or AX, invalid or null. | 6012 |
| M | For VI, MC, DI, or AX, the CVV2/CSC matches. | 6007 |
| N | For VI, MC, DI, or AX, the CVV2/CSC does not match. | 6013 |
| P | For VI, MC, DI, or AX, it was not processed. | 6007 |
| S | For VI, MC, DI, or AX, the service is not supported. | 6018 |
| U | For VI, MC, DI, or AX, unknown - the issuer is not certified. | 6018 |
| X | For VI, MC, DI, or AX, no response. For Maestro, the service is not available. | 6018 |
AVS Conditions Tab
Access the AVS Conditions tab as shown:
The following selections appear (click the checkbox to ignore the error code):
| Processor AVS Result | Description | Error Code If Disallowed |
|---|---|---|
| 0 | For IM, all address information matches. | 6008 |
| 1 | For IM, none of the address information matches. | 6008 |
| 2 | For IM, part of the address information matches. | 6008 |
| 3 | For IM, the merchant did not provide AVS information. It was not processed. | 6008 |
| 4 | IM: address was not checked or the acquirer had no response. The service is not available. | 6018 |
| A | VI, MC, or DI: address matches but the zip code does not match. AX: card holder address is correct. | 6008 |
| B | VI, MC, or DI: the address matches. International A. | 6008 |
| C | VI, MC, or DI: no values match. International N. | 6017 |
| D | VI, MC, or DI: the address and postal code match. International X. | 6017 |
| E | VI, MC, or DI: not allowed for internet/phone txns. AX: c/h name is wrong but address and zip match. | 6008 |
| F | VI, MC, or DI: address and zip match. UK-specific X. AX: c/h name is wrong but the address matches. | 6008 |
| G | VI, MC, or DI: global is unavailable. Nothing matches. | 6008 |
| I | VI, MC, or DI: international is unavailable. Not applicable. | 6008 |
| M | VI, MC, or DI: address and zip match. AX: card holder, the name, address, and zip match. | 6008 |
| N | VI, MC, or DI: nothing matches. AX: card holder, the address and postal code are both incorrect. | 6017 |
| P | VI, MC, or DI: postal international Z. Postal code only. | 6008 |
| R | VI, MC, or DI: re-try the request. AX: the system is unavailable. | 6018 |
| S | VI, MC, or DI, or AX, the service is not supported. | 6018 |
| U | VI, MC, DI, AX or IM: service is unavailable. | 6018 |
| W | VI, MC, or DI: whole ZIP code. AX: card holder name, address, and postal code are all incorrect. | 6008 |
| X | VI, MC, or DI: address and 9-digit ZIP match. AX: c/h name, address, and zip are incorrect. | 6008 |
| Y | VI, MC, or DI: address and 5-digit ZIP match. AX: the card holder address and zip are both correct. | 6008 |
| Z | VI, MC, or DI: the 5-digit ZIP matches but no address. AX: only the card holder zip is correct. | 6008 |
Accepted Payment Methods Tab
PayPal supports the Credit Card and Tokenized Credit Card pay methods.
Press Save to retain your selections.
SCA Payment Indicators for *CIT/MIT Processing
PayPal supports CIT/MIT processing for supported card brands by sending requested information in **SCA indicator fields, including the <rpm_ind> input field for the Aria APIs noted above for 3DS Authentication. This applies to Credit Card and Tokenized Credit Card pay methods for the following card types:
- American Express
- Discover
- Mastercard
- Visa
When the <rpm_ind> value is sent via the API, it will override default system settings.
*—Cardholder-Initiated Transactions/Merchant-Initiated Transactions
**—Strong Customer Authentication
Transaction Logging for Credit Card and Tokenized Credit Card Payments
PayPal Smart Payments now includes transaction logging for Credit Card and Tokenized Credit Card payments, as shown in the table below:
| Credit Card (pay method 1) | Tokenized Credit Card (pay method 13) | |
|---|---|---|
| Authorization, Payment, Capture, Reversal, Refund (Partial and Full), 3DS Authorization, and Auto Reversal actions | x | |
| Create Token, Query Token, Authorization, Capture, Reversal, Payment and Refund (Partial and Full) actions | x | |
| Capture logs in both success and failure scenarios | x | x |
| Capture logs for all supported card types | x | x |
| Capture logs based on different logging types (FULL, SUMMARY, ERROR, and NONE) | x | x |