The future of the API: PayPal X

The future of the API: PayPal X
Praveen Alavilli
Developer Evangelist, PayPal
@ppalavilli

Agenda
What is PayPal X ?
PayPal X Platform
Adaptive Payments API
Adaptive Accounts API
Identity Services
Information and Reporting API
Using PayPal X APIs
Q & A

PayPal X
Open Global Payments Platform for developers
Enables various Monetization Models
Subscriptions
Pay as you use
Free to use, pay to services
Freemium
eCommerce

X.com – PayPal X Developer Portal

X.com
Technical Docs for all products
SDKs and Sample code
Forums – non-moderated content
Blogs – PayPal and developers
Docs rating and commenting
Feedback
Videos
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.

The PayPal X Platform
Facilitates Payments
- Pay anyone, receive from anyone !
Provides Account Management
- Identity, Permissions, Accounts
Tools for Information and Reporting
- Notifications, Reporting, Search

Anyone ?

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

Adaptive Payments API
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…
Flexible APIs that allow:
Send money
Pre-approved payments (with PIN)
Parallel split payments
Chained split payments

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
Useful for single/multi use, and subscription payments
C
Pre Approval

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
$10
$100
$40
Sender Visibility
$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
Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on
$100
$10
$40
Sender Visibility
Primary
$50
Funds transfer is serial
Reversal and refund tools available to manage business agreements between receivers

Combine Parallel and Preapprovals
Primary
AND
C
Pre Approval

Combine chained and Preapprovals
AND
C
Pre Approval

Combine Parallel and Chained ?
X
Primary

A few Use Cases

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?

Gaming Platform
Want to host many games and take a cut of the payment and pass the rest on game creator?
Primary

Payouts/Disbursements
Want to create an application to allow people to pay their employees or their vendors exclusively through an API?

Distributed Referral
Want to create a simple referral program for shopping carts?
Primary

Rent Payments
Want to create an application for landlords to collect rent?

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
24
Confidential and Proprietary
24

Adaptive Accounts API
Programmatic interface to PayPal account creation
Account created can be used with any PayPal APIs, including Adaptive Payment APIs
Currently supports creation of Personal and Premier accounts. Business account creation to come soon.
Benefits:
Streamline user experience
Increase conversion
25

Create Account API Flow
Web
API
Application Caller
User
Offer
Account Creation Request
Consent
Creates an
inactive
account
URL Redirect
Choose password
Answer security questions
Return URL
26

Use cases for Adaptive Accounts
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
27

Adaptive Accounts API – What’s next?
Create Business accounts
Add funding sources – Credit Card, BANK
Verify account status
Note: These are Advanced services - Restrictions would apply.
28

Identity Services
OpenID and InfoCard Provider (beta)
Authentication Service
- Authenticate User
- provides First/Last Name & email

Instant Pay Notifications (IPN)
Message service that notifies you of events related to:
New transactions
Updates to previous transactions
Dispute management and charge backs
Provides status on pending, cancelled, or failed transactions
Allows merchants and developers to integrate payments and automate back-end operations

Reporting
Transaction Search and Details API
XML Reporting API
Website Reporting (files)

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

Mobile Embedded Payments (MEP)
Library to enable Payments on mobile devices
iPhone library in beta, Android library in Q2
accept payments for physical goods and services “inside” your app

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

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

The future of the API: PayPal X

by PayPalX Developer Network

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