Online Payments For Developers

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  • Single – Multiple ItemsSubscriptionsDonationsInventory controlFraud/risk controlsUI customization
  • only PayPal accountsrecurring paymentsmultiple settlement optionsissue refunds programmaticallyaccept Credit and Debit Cards in your own application (and)accept payments from PayPal Accounts
  • The Developer Challenge is an example of how we help create and reward innovation. Check out x.com
  • Online Payments For Developers

    1. 1. Aug, 15th 2010<br />A Deep-Dive On Payments<br />Everything a developer would need to know !<br />
    2. 2. outline<br /><ul><li>Why should I care about Payments ?
    3. 3. How Payments work ?
    4. 4. How to add Payments to your application ?
    5. 5. How can PayPal help you ?</li></ul>2<br />
    6. 6. Why should I care about Payments ?<br />3<br />
    7. 7. Ecommerce/MCommerce<br />4<br />
    8. 8. “chase your dream, money will follow” <br />5<br />
    9. 9. Build the product right and build the audience first – if not monetization is irrelevant<br />6<br />
    10. 10. building and running an app is cheap<br />7<br />
    11. 11. But<br />8<br />
    12. 12. a successful and profitable company needsGood Monetization Strategy<br />9<br />
    13. 13. Advertising ?<br />10<br />
    14. 14. Virtual Goods/CurrencyPremium ContentValue added ServicesMembershipsSubscriptionCharge for AppsFinancingMerchandiseLicense of Content, Brand and Services<br />11<br />
    15. 15. Convinced ?<br />12<br />
    16. 16. How Payments work ?<br />the world of Payment Networks<br />13<br />
    17. 17. Credit Cards<br />The usage of the card is authorized by the issuer in real time.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />14<br />
    18. 18. Credit Cards<br />The usage of the card is authorized by the issuer in real time.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />15<br />
    19. 19. HOW THE MONEY MOVES<br />The authorizations are captured immediately and settled in batch.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />16<br />
    20. 20. HOW THE MONEY MOVES<br />The authorizations are captured immediately and settled in batch.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />17<br />
    21. 21. CHARGEBACKS<br />Consumers have the right to chargeback transactions.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />18<br />
    22. 22. CHARGEBACKS<br />Consumers have the right to chargeback transactions.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />19<br />
    23. 23. CHARGEBACKS<br />Consumers have the right to chargeback transactions.<br />The funds are withdrawn from the merchant’s account and credited to the consumer’s account.<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />20<br />
    24. 24. DEBIT CARDs<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />21<br />
    25. 25. DEBIT CARDs<br />PaymentSystem<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />22<br />
    26. 26. DEBIT CARD DIFFERENCES<br />PaymentSystem<br />With debit cards, processed as a debit card, the authorization transaction and the settlement (capture) transaction are the same.<br />Money movement is in real time.<br />Acquirer<br />Issuer<br />Consumer<br />Merchant<br />23<br />
    27. 27. BANK ACCOUNTS AND ACH<br />Clearing<br />House<br />ODFI<br />RDFI<br />Consumer<br />Merchant<br />24<br />
    28. 28. BANK ACCOUNTS AND ACH<br />Clearing<br />House<br />ODFI<br />RDFI<br />Consumer<br />Merchant<br />25<br />
    29. 29. PaymentSystem<br />ODFI<br />RDFI<br />Consumer<br />Merchant<br />BANK ACCOUNTS AND ACH<br />With Automated Clearing House (ACH), there is no authorization transaction.<br />Money movement is batch.<br />26<br />
    30. 30. Still with me ?<br />27<br />
    31. 31. Popup quiz ?<br />Which payment method is easy to steal money from ?<br />28<br />
    32. 32. How to add Payments to your application ?<br />29<br />
    33. 33. Payment GatewaysPayment Providers<br />30<br />
    34. 34. Phone/Mail/FAX/CASH<br />31<br />
    35. 35. Payment Gateways<br />Process Credit/Debit Card Payments directly through Payment Networks<br />32<br />
    36. 36. You Need a Merchant Account <br />Long application process and requires underwriting approval<br />Typically takes 3 – 10 days depending on your business<br />48 hrs to 5 Business Days for Settlements<br />fees vary between gateways and banks<br />Deal with charge backs !<br />33<br />
    37. 37. 34<br />
    38. 38. PCI/DSS Compliance<br />Required!<br />35<br />
    39. 39. Payment Providers<br />No merchant account required !<br />(act as a Merchant Account on behalf of you)<br />Better protection against charge backs.<br />Act as Online Wallet for end users.<br />Risk and Fraud protection.<br />36<br />
    40. 40. PCI/DSS Compliance<br />Depends on the functionality used but in most cases isn’t required.<br />37<br />
    41. 41. Usually simple Web APIs(if any)<br />38<br />
    42. 42. Special services/Features <br />Invoicing<br />Subscriptions<br />Recurring Payments<br />Micro-payments<br />Disbursements<br />Mobile Payments<br />Hosted Solutions<br />39<br />
    43. 43. How can PayPal help you ?<br />40<br />
    44. 44. Open global Payments Platform<br />Enables various monetization models<br />Over 190 countries and 24 currencies<br />Flexible Services and APIs<br />Serves Consumers, Merchants/Sellers & Developers!<br />Risk and Fraud Management<br />41<br />
    45. 45. Email Payments<br />(old school)<br />invoice over email from PayPal<br />Virtual Terminal<br />POS terminal on the Cloud !<br />accept payments over phone, mail, & fax<br />Website Payments Standard<br />(aka WPS or “cut & paste payments”)<br />buttons, buttons, buttons<br />42<br />
    46. 46. Simple but Powerful<br />Sell Single/Multiple Items (cart)<br />Subscriptions<br />Donations<br />Inventory Control<br />UI Customization<br />Fraud/Risk Controls<br />43<br />
    47. 47. Express Checkout<br />“all it takes is 3 API Calls”<br />a checkout solution<br />Website Payments Pro<br />Direct Payments + Express Checkout<br />Mass Payments<br />disbursements <br />Payflow <br />a payment gateway<br />44<br />
    48. 48. Adaptive Platform<br />(Adaptive Payments & Adaptive Accounts)<br />Open Platform providing core payment APIs<br />45<br />
    49. 49. Enabling Different kinds of payment models<br />Simple Payments<br />Chained Payments<br />Parallel Payments<br />Preapprovals<br />Subscriptions<br />Recurring Payments<br />Web Checkout<br />Micro Payments<br />Primary<br />C<br />Pre Approval<br />46<br />
    50. 50. Building blocks DIY!<br />47<br />
    51. 51. x.com<br />48<br />
    52. 52. PayPal X Second Developer Challenge<br />$100,000 grand prize for the most innovative idea<br />$10,000 PayPal X category Awards<br />Best application that leverages PayPal X’s Mobile Payments Library<br />Best application built by university students<br />Best consumer application<br />Best application that promotes cross-border commerce<br />Best application that takes advantage of Yahoo!’s platform<br />Best application that takes advantage of eBay’s platform<br />49<br />
    53. 53. http://bit.ly/future_of_money<br />50<br />
    54. 54. Let us know what you need!<br />(30% of PayPal’s roadmap is based on your feedback)<br />www.x.com<br />Twitter: @paypalx, @ppalavilli<br />www.facebook.com/paypalx<br />Rate my talks: http://speakerrate.com/ppalavilli<br />51<br />

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