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Future of the (Payments) API: PayPalX
 

Future of the (Payments) API: PayPalX

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n Peer-to-Peer financing, just as in any other financing models, transparency, trust, reliability, and security are essential in making it a huge success. The PayPal X Payments Platform’s Adaptive ...

n Peer-to-Peer financing, just as in any other financing models, transparency, trust, reliability, and security are essential in making it a huge success. The PayPal X Payments Platform’s Adaptive APIs provides all those essential features that any application would need in building a solid Peer-to-Peer financing platform. The Split Payments provide transparency, Preapprovals provide trust and security, Adaptive accounts provide validity of user accounts, and the PayPal’s strong and most robust security and fraud detection systems provide the security that any application would need.

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  • As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.
  • As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.The API Caller also needs a PayPal Business Account as the application is moving money between multiple parties and could possibly take it’s own cut/commission.

Future of the (Payments) API: PayPalX Future of the (Payments) API: PayPalX Presentation Transcript

  • May 14th, 2010
    The future of the API: PayPal X
    Praveen Alavilli, Developer Evangelist, PayPal
    Peer Financing for Developers NYC Conference
  • Agenda
    • What is PayPal X ?
    • Adaptive Payments
    • Adaptive Accounts
    • Using PayPal X APIs
    • Mobile Payments Library
    • X.com
    • Q & A
    www.x.com
    2
  • PayPal X
    Open Global Payments Platform for developers
    www.x.com
    Enables various Monetization Models
    Subscriptions
    Pay as you use
    Free to use, pay to services
    Freemium
    eCommerce
    3
  • Payments oh my!
    www.x.com
    Travelers checks
    Bill payments
    Check or draft
    ACH payment
    Cards, cards, cards
    Net-based payments
    Many others
    4
  • PayPal
    The Sender
    A person or business whose PayPal account is being credited
    A person or business whose PayPal account is being debited
    C
    The Receiver
    The API CALLER
    The API access account who makes the Adaptive Payments service calls: usually owned by the developer
    For Developers
    www.x.com
    5
  • The PayPal X Platform
    www.x.com
    • Facilitates Payments
    - Pay anyone, receive from anyone !
    • Provides Account Management 
    - Identity, Permissions, Accounts
    • Tools for Information and Reporting
    - Notifications, Reporting, Search
    6
  • Adaptive Payments - API
    • Payment APIs
    • Pay: Transfer funds between parties. Supports simple, chained, parallel, preapproved payments, etc.
    • PaymentDetails: Get details of a payment
    • Preapproval APIs
    • Preapproval: Preapproval agreement signup
    • PreapprovalDetails: Get details of a preapproval
    • CancelPreapproval: Cancel an existing preapproval
    • Refund: Refund a payment (complete, partial, etc.)
    • ConvertCurrency: Get currency conversion (foreign exchange) rates for a list of amounts and currencies (PayPal-supported currencies).
    www.x.com
    USE CASES
    • Send money
    • Split payments
    • Bill payments
    • Payroll payments
    • B2B payments
    • Remittances
    • Marketplace payments
    • Virtual currencies
    • Points and miles
    • Mass payments
    • Invoice payments
    • Recurring payments
    • Scheduled payments
    • Money transfers
    • Mobile/device payments
    • Government travel
    • Future payment scenarios…
    7
  • Simple Send Money
    8
    Basic building block allows merchants to transfer money from one entity to another
    Sample Use Cases: P2P payments, Social Networks, Gaming applications
    www.x.com
  • 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
    • Useful for single/multi use, and subscription payments
    www.x.com
    C
    Pre Approval
    Sample Use Cases: Pay as you use, Micropayments for Digital goods, Subscriptions
    9
  • Parallel Payments
    • Pay multiple recipients at once
    • Future interactions with each transaction can be separate
    • Enable partnership opportunities
    • Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on
    www.x.com
    $10
    $100
    Sender Visibility
    $40
    $50
    Sample Use Cases: Payouts, Disbursements, Affiliate fees, MarketPlaces
    10
  • 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
    • Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on
    www.x.com
    $100
    $10
    $40
    Sender Visibility
    Primary
    $50
    Sample Use Cases: Multi-Merchant Marketplaces, Gaming platform, Referral programs, Property Management (Rent Payments)
    11
  • Combine Chained and Preapprovals
    www.x.com
    C
    Primary
    AND
    Pre Approval
    12
  • Combine Parallel and Preapprovals
    13
    C
    AND
    Pre Approval
    www.x.com
  • Sample Interaction Flow
    www.x.com
    A Rental App that allows tenants to pay rent to a property management that splits the payment to the actual owner and the HOA.
    Owner
    Tenant
    Property
    Management
    HOA
    14
  • API
    WEB
    Sender
    Rental App
    Pay API
    Pay Key
    Redirect User to PayPal
    Return URL
    User Name = Rental_admin.api Secondary Receiver [2] = Sec Receiver_2@mail.com
    Password = keep$secret Amount = 50.00
    Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986
    Sender Email = john_m@mail.com Cancel URL = www.PayRent.com/home
    Currency = USD Return URL = www.PayRent.com/apstore
    Primary Receiver [0] = Prim Receiver@mail.com
    Amount = 1000.00
    Secondary Receiver [1] = Sec Receiver_1@mail.com
    Amount = 40.00
    Request
    IPN= https://www.Rental.com/IPN
    Sender Email: john_m@mail.com
    Receiver Email: PrimReceiver@paypal.com
    Pay Key = PA-84HK2A57FCOP3RW
    Response
    Notification
    Confidential and Proprietary
    15
    Confidential and Proprietary
    15
    15
    www.x.com
  • Adaptive Accounts API
    • Programmatic interface to PayPal account creation
    • Account created can be used with any PayPal APIs, including Adaptive Payment APIs
    • Key Functionality
    • Create Personal and Premier accounts.
    • Create Business accounts.
    • Add Funding Sources
    • Get Account Verification Status
    • Benefits:
    • Streamline user experience
    • Increase conversion
    www.x.com
    16
  • Create Account API Flow
    www.x.com
    Web
    API
    Application Caller
    User
    Offer
    Account Creation Request
    Consent
    Creates an
    inactive
    account
    URL Redirect
    • Choose password
    • Answer security questions
    Return URL
    17
  • Use cases for Adaptive Accounts
    www.x.com
    As part of new employee enrollment, business collects information used to create a PayPal account
    Small Business
    As part of the onboarding for a buyer and seller, a PayPal account can be created so that the user experience can be localized and personalized
    Marketplace
    Create PayPal accounts to enable payments for games, social networking widgets and more
    Social Media
    18
  • Using PayPal X APIs
    • Multiple Protocol Bindings and Message Formats
    • SOAP, NVP, JSON, XML
    • Open Source SDKs and Toolkits
    • Java
    • PHP
    • .NET
    • Rails (Community Contributions)
    • ColdFusion
    • APEX Toolkit for Force.com
    • Mobile Embedded Payments Library
    19
    www.x.com
  • Mobile Payments Library
    • Library to enable Payments on mobile devices
    • iPhone library in public beta
    • Andriod library next week @ Google IO
    • accept payments for physical goods, services, donations and P2P “inside” your app
    20
    www.x.com
  • Simple yet Powerful !
    Enables Payments Anywhere
    Trusted and Secure Transactions
    Fraud and Risk Management Features
    PCI Compliant (in most cases)
    Global reach (over 190 countries and 24 currencies)
    Scalable and Flexible Platform
    Transparency, Trust, Reliability & Security
    21
    www.x.com
  • X.Com – PayPal X Developer Portal
    Technical Docs for all products
    SDKs and Sample code
    Forums – non-moderated content
    Blogs – PayPal and developers
    Docs rating and commenting
    Provide Feedback
    Videos & Presentations
    Titbit: X.com was founded by Elon Musk in Mar’1999 as one of the first Internet banks. It merged with Confinity in 2000 and Feb’2001 it became PayPal.
    22
    www.x.com
  • Let us know what you need!
    (30% of our roadmap is based on your feedback)
    www.x.com
    Twitter: @paypalx, @ppalavilli
    www.facebook.com/paypalx
    23
    www.x.com
  • Appendix
    Applications built by Developers
    24
    www.x.com
  • Events
    25
    www.x.com
  • Shopping
    26
    www.x.com
  • Social
    27
    www.x.com
  • Gaming
    Credits
    28
    www.x.com
  • Fund Raising/Donations
    29
    www.x.com
  • CROWD SOURCING/CLOUd
    30
    www.x.com
  • Financing/UTILITY
    31
    www.x.com
  • Mobile
    32
    www.x.com