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Adaptive Payments: Changing How We Pay with PIN, Pre-approved and Split Payments
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Adaptive Payments: Changing How We Pay with PIN, Pre-approved and Split Payments

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You may have heard snippets about Adaptive Payments in the press and at preview events. Come get the full scoop on the powerful new integration methods PayPal is adding to your payments toolbox. We'll ...

You may have heard snippets about Adaptive Payments in the press and at preview events. Come get the full scoop on the powerful new integration methods PayPal is adding to your payments toolbox. We'll walk through the methods, how they work, and some actual use cases. Bring your laptop—this is an interactive session!

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  • Wednesday, November 11, 2009 Confidential and proprietary.
  • Wednesday, November 11, 2009 Confidential and proprietary.
  • Wednesday, November 11, 2009 Confidential and proprietary.

Adaptive Payments: Changing How We Pay with PIN, Pre-approved and Split Payments Adaptive Payments: Changing How We Pay with PIN, Pre-approved and Split Payments Presentation Transcript

  • ADAPTIVE PAYMENTS: CHANGING HOW WE PAY WITH PIN, PREAPPROVED, AND SPLIT PAYMENTS Musaab At-Taras, Director of Software Development Catherine Wong, Group Product Manager
  • AGENDA
    • Adaptive Payments Overview
    • Example Adaptive Payments Solutions
    • Adaptive Payments Interaction Model
    • Demos
  • WHAT IS ADAPTIVE PAYMENTS?
    • A money movement service that is configurable or "Adaptive" to allow innumerable use cases
      • Configurable service suite for any type of payment or transfer
      • Not limited to web eCommerce payments
    • Advanced feature: Modular payment approval
      • Built for web, mobile, future, or custom methods for approval
      • Pre-approval allows for approval off PayPal.com
    • Advanced feature: Pre-approved payments
      • Pre-approval for one-time, multi-use, and subscription payments
      • Configurable personal identification number (PIN) support
    • Advanced feature: Parallel and chained payments
      • Allows single payment to multiple receivers
      • Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on
  • THE ACTORS A person or business whose PayPal account is being debited A person or business whose PayPal account is being credited The API access account who makes the Adaptive Payments service calls: may be the sender, one of the receivers, or a third party
  • SEND MONEY Basic building block allows merchants to transfer money from one entity to another
  • PREAPPROVED PAYMENTS
    • Pre-authorization of money transfer from customer (sender) to API caller
    • Allows an API caller to make payments on behalf of a sender within the constraints specified
    • PIN optional for future payments made within the authorized amount
    C Pre Approval
  • PARALLEL PAYMENTS
    • Pay multiple recipients at once
    • Future interactions with each transaction can be separate
    • Enable partnership opportunities
    Sender Visibility ₤ 10 ₤ 40 ₤ 50 ₤ 100 Receiver X - ₤10 Receiver Y - ₤40 Receiver Z - ₤50
  • CHAINED PAYMENTS
    • Instant payment and disbursements
      • Sender sees one payment to primary receiver
      • In one motion, money to secondary receivers sent
    • Supports commission-based payments
    • Funds transfer is serial
    • Reversal and refund tools available to manage business agreements between receivers
    Sender Visibility ₤ 10 ₤ 40 ₤ 50 ₤ 100 Primary Receiver - ₤100
  • COMBINE AND C Pre Approval
  • COMBINE C AND Pre Approval
  • COMBINE X
  • COMBINE AND
  • WHAT YOU GET WITH ADAPTIVE PAYMENTS
    • Send money
    • Implicit send money
    • Pre-approved payments (with PIN)
    • Parallel split payments
    • Chained split payments
  • So what can I do with Adaptive Payments?
  • SOCIAL NETWORKING
    • Want to build a person-2-person send money application for your favorite social networking site?
    • You can design a payment solution using Adaptive Payments.
  • GAMING
    • Want to build a game that takes micropayments on a pay as you go basis?
    • You can design a payment solution using Adaptive Payments.
  • GAMING PLATFORM
    • Want to host many games and take a cut of the payment and pass the rest on game creator?
    • You can design a payment solution using Adaptive Payments.
  • PAYOUTS
    • Want to create an application to allow people to pay their employees or their vendors exclusively through an API?
    • You can design a payment solution using Adaptive Payments.
  • CROWD SOURCING
    • Want to create a business that needs to pay a workforce in the cloud?
    • You can design a payment solution using Adaptive Payments.
    OR
  • DISTRIBUTED REFERRAL
    • Want to create a simple referral program for shopping carts?
    • You can design a payment solution using Adaptive Payments.
  • RENT PAYMENTS
    • Want to create an application for landlords to collect rent?
    • You can design a payment solution using Adaptive Payments.
    • Send money
    • Implicit send money
    • Pre-approved payments (with PIN)
    • Split payments: chained
    Sender Business Pay API Pay Key Redirect User to PayPal Pay Key = PA-84HK2A57FCOP3RW User Name = P_Mart_admin.api Currency = USD Password = keep$secret Receiver email = [email_address] Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986 Sender Email = [email_address] Cancel URL = www.P_Mart.com/home Amount = 100 Return URL = www.P_Mart.com/apstore Confidential and Proprietary Response Request
  • PAYMENT APPROVAL: WEB MODULE 1. Login 2. Review Your Payment 3. Redirect Payment Confirmation
  • Send money Implicit send money Pre-approved payments (with PIN) Split payments: chained Sender Business Pay API Pay Key Redirect User to PayPal Return URL Redirection URL= www.P_Mart.com/apstore IPN= https://ww.P_Mart.com/IPN Sender Email: [email_address] Receiver Email: [email_address] Confidential and Proprietary Confidential and Proprietary Redirect Notification
  • Send Money Implicit send money Pre-approved payments (with PIN) Split payments: chained IPN= https:// www.P_Mart.com/IPN Sender Email: [email_address] Receiver Email: [email_address] Sender Photographer Pay API Pay Key Paykey = AP-234DEF95GAT230BET Status = Complete Response User Name = P_Mart_admin.api Amount = 2000 Password = keep$secret Currency = USD Signature = 23KJHO5AS09I32SDROR Fee Paid by = Sender Sender Name = [email_address] Receiver email = Photographer1@mail.com Request Notification
  • Send Money Implicit send money Pre-approved payments (with PIN) Split payments: chained PreApproval Key = PA-84HK2A57FCOP3RW User Name = WebGames_admin.api Amt. per Payment = 100 Password = keep$secret Max. Number of Payments = N/A Signature = 23KJHO5AS09I32SDROR Payment Period = N/A User Email = john_m@mail.com Max. Payments per Period = N/A Expiration Date = 12/30/2009 Day of Period = N/A Starting Date = 11/05/2009 Return URL = www.WebGames.com/apstore Max. Amount = 1000 Cancel URL = www.WebGames.com/home Confidential and Proprietary Confidential and Proprietary Sender Receiver PreApproval PreApp Key Redirect User to PayPal Request Response PreApproval Key = PA-84HK2A57FCOP3RW Redirect User Pre-approved Payment Agreement Sign-Up
  • PRE-APPROVAL: WEB MODULE 1. Login 2. Review Your Payment 3. Redirect
  • Send Money Implicit send money Pre-approved payments (with PIN) Split payments: chained IPN= https:// ww.WebGames.com/IPN Sender Email: [email_address] Receiver Email: [email_address] Notification Sender Receiver PreApproval PreApp Key Redirect User to PayPal Return URL Pre-approved Payment Agreement Sign-Up
  • Send Money Implicit send money Pre-approved payments (with PIN) Split payments: chained Sender Rental App Pay API Pay Key Redirect User to PayPal Return URL Confidential and Proprietary Confidential and Proprietary Pay Key = PA-84HK2A57FCOP3RW Response User Name = Rental_admin.api Secondary Receiver [2] = Sec [email_address] Password = keep$secret Amount = 50.00 Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986 Sender Email = [email_address] Cancel URL = www.PayRent.com/home Currency = USD Return URL = www.PayRent.com/apstore Primary Receiver [0] = Prim [email_address] Amount = 1000.00 Secondary Receiver [1] = Sec [email_address] Amount = 40.00 IPN= https:// www.Rental.com/IPN Sender Email: [email_address] Receiver Email: [email_address] Notification Request
  • DEMOS
  • DEMO: Add $1 Donation To Your Checkout Oktay Dogramaci MissionFish Jon Crawford Storenvy
  • ABOUT STORENVY AND MISSIONFISH
    • Nonprofit that powers eBay Giving Works
    • 17,000 US nonprofits, 4,000 UK charities
    • $150 million+ raised
    • $4 million from eBay Give At Checkout since 8/08
    • www.missionfish.org
    Completely free, customizable online stores Social shopping (like a mall, but cool) High-quality t-shirt printing www.storenvy.com
  • SHOPPERS CAN ADD $1 DONATION Shoppers like businesses that support causes (cause marketing)
  • CONFIRMATION SHOWS THE DONATION
  • PARALLEL SPLIT PAYMENT $11 $10 $1 Buyer on Storenvy.com Storenvy store owner receives purchase price MissionFish receives donation for designated charity
  • WANT TO ADD A DONATION TO YOUR CHECKOUT?
    • Build a better brand, make happier customers, and do some good at the same time!
    • Email:
    • [email_address]
    • Online:
    • www.missionfish.org/adaptivepayments
    • Or, stop by our kiosk
  • DEMO Charity Frag
  • CONCLUDING THOUGHTS
    • Whether you’re doing a simple send money application for a social networking site or building something as complicated as a payroll system, Adaptive Payments is an ideal solution.
    • You have a sender, a receiver, a currency, and an amount.
    • You can send money to several recipients in one payment call.
    • You can also make payments from one sender to one primary receiver and from that receiver to several other receivers in one payment call.
  • LEARN AND SHARE
    • www.x.com
    • Twitter:  @paypalx
    • www.facebook.com/paypalx
    • Innovate 09 hashtag:  #ppxi09
    LEARN AND SHARE www.x.com Twitter: @paypalx www.facebook.com/paypalx Innovate 09 hashtag: #ppxi09 Proprietary