21th September 2010<br />Monetization using PayPal<br />Disruptive Code– m@x.com and dom@x.com<br />
agenda<br /><ul><li>Why PayPal?
What is PayPal X?
PayPal for Mobile</li></ul>20/09/2010<br />2<br />
PayPal: who are we?<br /><ul><li>Founded in December 1998, PayPal is a leading global online payment company
Over 87 million active registered accounts* globally, with over 30 million accounts held in Europe
Available in 190 markets, supporting 24 currencies
In Europe, PayPal is accepted by top merchants, including Boots, Top Shop, New Look, Ted Baker, DHL, Lufthansa, Lindt, Ven...
WHAT IS ADAPTIVE PAYMENTS?<br />USE CASES<br /><ul><li>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…</li></ul>A money movement service that is configurable or "Adaptive" to allow innumerable use ca...
THE ACTORS<br />PayPal<br />The Sender<br />A person or business whose PayPal account is being credited<br />A person or b...
SEND MONEY<br />Basic building block allows for the transfer of money from one entity to another<br />
PREAPPROVED PAYMENTS<br /><ul><li>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</li></ul>C<br />Pre Approval<br />
PARALLEL PAYMENTS<br /><ul><li>Pay multiple recipients at once
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Monetizing your apps with PayPal API:s

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Presentation by Dominique Moayedpour & Musaab At-Taras (PayPal) for the Disruptive Code conference, Stockholm 2010.

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Monetizing your apps with PayPal API:s

  1. 1. 21th September 2010<br />Monetization using PayPal<br />Disruptive Code– m@x.com and dom@x.com<br />
  2. 2. agenda<br /><ul><li>Why PayPal?
  3. 3. What is PayPal X?
  4. 4. PayPal for Mobile</li></ul>20/09/2010<br />2<br />
  5. 5. PayPal: who are we?<br /><ul><li>Founded in December 1998, PayPal is a leading global online payment company
  6. 6. Over 87 million active registered accounts* globally, with over 30 million accounts held in Europe
  7. 7. Available in 190 markets, supporting 24 currencies
  8. 8. In Europe, PayPal is accepted by top merchants, including Boots, Top Shop, New Look, Ted Baker, DHL, Lufthansa, Lindt, Vente-Privee, FNAC.com, Mandarina Duck, Correos, Vueling.com</li></ul>20/09/2010<br />3<br />
  9. 9. WHAT IS ADAPTIVE PAYMENTS?<br />USE CASES<br /><ul><li>Send money
  10. 10. Split payments
  11. 11. Bill payments
  12. 12. Payroll payments
  13. 13. B2B payments
  14. 14. Remittances
  15. 15. Marketplace payments
  16. 16. Virtual currencies
  17. 17. Points and miles
  18. 18. Mass payments
  19. 19. Invoice payments
  20. 20. Recurring payments
  21. 21. Scheduled payments
  22. 22. Money transfers
  23. 23. Mobile/device payments
  24. 24. Government travel
  25. 25. Future payment scenarios…</li></ul>A money movement service that is configurable or "Adaptive" to allow innumerable use cases<br />Configurable service suite for any type of payment or transfer<br />Not limited to web eCommerce payments<br />Advanced feature: Modular payment approval<br />Built for web, mobile, future, or custom methods for approval<br />Pre-approval allows for approval off PayPal.com<br />Advanced feature: Pre-approved payments<br />Pre-approval for one-time, multi-use, and subscription payments<br />Configurable personal identification number (PIN) support<br />Advanced feature: Parallel and chained payments<br />Allows single payment to multiple receivers<br />Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on<br />
  26. 26. THE ACTORS<br />PayPal<br />The Sender<br />A person or business whose PayPal account is being credited<br />A person or business whose PayPal account is being debited<br />C<br />The Receiver<br />The API CALLER<br />The API access account who makes the Adaptive Payments service calls: may be the sender, one of the receivers, or a third party<br />
  27. 27. SEND MONEY<br />Basic building block allows for the transfer of money from one entity to another<br />
  28. 28. PREAPPROVED PAYMENTS<br /><ul><li>Pre-authorization of money transfer from customer (sender) to API caller
  29. 29. Allows an API caller to make payments on behalf of a sender within the constraints specified
  30. 30. PIN optional for future payments made within the authorized amount</li></ul>C<br />Pre Approval<br />
  31. 31. PARALLEL PAYMENTS<br /><ul><li>Pay multiple recipients at once
  32. 32. Future interactions with each transaction can be separate
  33. 33. Enable partnership opportunities</li></ul>₤10<br />₤100<br />₤40<br />Sender Visibility<br />₤50<br />
  34. 34. CHAINED PAYMENTS<br />Instant payment and disbursements<br />Sender sees one payment to primary receiver<br />In one motion, money to secondary receivers sent<br />Delayed Disbursments<br />Supports commission-based payments<br />₤100<br />₤10<br />₤40<br />Sender Visibility<br />Primary<br />₤50<br /><ul><li>Funds transfer is serial
  35. 35. Reversal and refund tools available to manage business agreements between receivers</li></li></ul><li>COMBINE<br />Primary<br />AND<br />C<br />Pre Approval<br />
  36. 36. COMBINE<br />AND<br />C<br />Pre Approval<br />
  37. 37. COMBINE<br />X<br />Primary<br />
  38. 38. COMBINE<br />Primary<br />AND<br />
  39. 39. WHAT YOU GET WITH ADAPTIVE PAYMENTS<br /><ul><li>Send money
  40. 40. Implicit send money
  41. 41. Pre-approved payments (with PIN)
  42. 42. Parallel split payments
  43. 43. Chained split payments</li></li></ul><li>MonetizationSo what can I do with Adaptive Payments? <br />
  44. 44. SOCIAL NETWORKING<br /><ul><li>Want to build a person-2-person send money application for your favorite social networking site?
  45. 45. You can design a payment solution using Adaptive Payments.</li></li></ul><li>GAMING<br /><ul><li>Want to build a game that takes micropayments on a pay as you go basis?
  46. 46. You can design a payment solution using Adaptive Payments. </li></li></ul><li>GAMING PLATFORM<br /><ul><li>Want to host many games and take a cut of the payment and pass the rest on game creator?
  47. 47. You can design a payment solution using Adaptive Payments.</li></ul>Primary<br />
  48. 48. PAYOUTS<br /><ul><li>Want to create an application to allow people to pay their employees or their vendors exclusively through an API?
  49. 49. You can design a payment solution using Adaptive Payments. </li></li></ul><li>CROWD SOURCING<br /><ul><li>Want to create a business that needs to pay a workforce in the cloud?
  50. 50. You can design a payment solution using Adaptive Payments.</li></ul>OR<br />Primary<br />
  51. 51. DISTRIBUTED REFERRAL<br /><ul><li>Want to create a simple referral program for shopping carts?
  52. 52. You can design a payment solution using Adaptive Payments.</li></ul>Primary<br />
  53. 53. RENT PAYMENTS<br /><ul><li>Want to create an application for landlords to collect rent?
  54. 54. You can design a payment solution using Adaptive Payments.</li></li></ul><li>Point of Sale - Blingnation<br /><ul><li>Point of sale device that uses PreApprovals / Chained Payments and an NFC chip.</li></li></ul><li>Philips NetTV<br />20/09/2010<br />24<br />Site: Kino.com<br />Amount: 9.00 EUR<br />PIN: <br />Payment Successful!<br />••••<br />Pay<br />Preapproval<br />Primary<br />Download Movie<br />
  55. 55. ArchosAndroidappstore<br />20/09/2010<br />25<br />Primary<br />Preapproval<br />
  56. 56. Sample App/code<br />def rent<br /> @book = Book.find(params[:id])<br /> # make a pay API call <br /> # setup headers<br /> headers = {<br /> "X-PAYPAL-REQUEST-DATA-FORMAT" => "NV",<br /> "X-PAYPAL-RESPONSE-DATA-FORMAT" => "NV",<br /> "X-PAYPAL-SECURITY-USERID" => "ppalav_1260515409_biz_api1.yahoo.com",<br /> "X-PAYPAL-SECURITY-PASSWORD" => "1260515414",<br /> "X-PAYPAL-SECURITY-SIGNATURE" => "AKLVEVTVnHqz94AZw7FtIDv3MLW4Ar2aWwl8McMd.pAzlu.yuMNbwmLx",<br /> "X-PAYPAL-APPLICATION-ID" => "APP-80W284485P519543T",<br /> 'Content-Type' => 'application/x-www-form-urlencoded'<br /> }<br />post_data = {<br /> 'receiverList.receiver[0].amount' => @book.price,<br /> 'receiverList.receiver[0].email' => 'pd_1265515509_biz@yahoo.com',<br /> 'cancelUrl' => 'http://localhost:3000/book/list?PaymentCancel',<br /> 'returnUrl' => 'http://localhost:3000/book/list?PaymentSuccess',<br /> 'actionType' => 'PAY',<br /> 'currencyCode' => 'USD',<br /> 'memo' => 'Renting+book+' + @book.title,<br /> 'requestEnvelope.errorLanguage' => 'en_US'<br /> }<br />url = URI.parse("https://svcs.sandbox.paypal.com/AdaptivePayments/Pay")<br /> http = Net::HTTP.new(url.host, 443)<br />http.use_ssl = true<br /> data = "” <br />post_data.collect { |k, v| data += "#{k.to_s}=#{v.to_s}&" }<br />resp, data = http.post(url.path, data, headers)<br />resp_params = CGI.parse(data)<br />payKey = resp_params['payKey'][0]<br /> # redirect to PayPal<br />authZUrl = "https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_ap-payment&paykey=" + payKey<br />redirect_toauthZUrl<br /> end<br />
  57. 57. PayPal for mobile<br />Integration Options<br />Mobile Payment Library (in-app)<br />Completely in-application payments<br />Include the Library in your code<br />Library contains all UI screens and communication with PayPal APIs<br />Android OS 1.5 and above<br />iPhone and iPad<br />Mobile Express Checkout (Beta)<br />Mobile Browser based checkout (WebKit)<br />For mobile browser optimised sites or launch browser from app<br />Uses Existing Express Checkout APIs with User Agent Detection<br />Guest Checkout (Coming Soon)<br />Android OS 2.0 and above<br />iPhone<br />20/09/2010<br />27<br />
  58. 58. PayPal for Android - MPL<br />Mobile Payments Library – In-App<br />20/09/2010<br />28<br />
  59. 59. PayPal for iphone - MPL<br />Mobile Payments Library – In-App<br />20/09/2010<br />29<br />
  60. 60. PayPal for Android - MEC<br />Mobile Express Checkout - WebKit<br />20/09/2010<br />30<br />
  61. 61. PayPal for iphone - MEC<br />Mobile Express Checkout – Mobile Safari<br />20/09/2010<br />31<br />
  62. 62. Photoservice mobile app<br />20/09/2010<br />32<br />
  63. 63. HELPFUL HINTS – x.com<br />Visit Apps 101 – Everything you need to know about the submission process<br />Understand the PayPal X Developer Agreement to know what is and is not allowed before you begin coding<br />Be as descriptive as possible when relating:<br /><ul><li>What your application does
  64. 64. Your application payment flow
  65. 65. Who all the players (senders and receivers) are in the payment flow </li></ul>Contact Developer Technical Services (DTS) if you have any technical MPL questions via www.paypal.com/dts<br />
  66. 66. THANK YOU !<br />

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