One Gateway for All Kinds of Payments—the Payflow Integration


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The PayPal Payflow Payment Gateway is a secure, scalable, and reliable payment service that processed $70B in 2008 and serves more than 70K merchants. Our Payflow products offer a single integration to process credit cards, eChecks, and PayPal payments. With the Payflow gateway, you can access a single interface to process PayPal payments (Express Checkout) as well as credit/debit cards using PayPal’s Website Payments Pro or a traditional internet merchant account. Payflow is the only gateway that supports PayPal’s Website Payments Pro in US, CA, and UK. In this session you will learn about our Payflow products and how these products can be used to process payments on and off the web.

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One Gateway for All Kinds of Payments—the Payflow Integration

  1. 1. ONE GATEWAY FOR ALL KINDS OF PAYMENTS: THE PAYFLOW INTEGRATION Yannick Bercy, Software Development Manager
  2. 2. AGENDA <ul><li>Payflow Gateway Introduction </li></ul><ul><li>PayPal Merchant Services </li></ul><ul><li>Credit Card Processing </li></ul><ul><li>Payflow Gateway Products: Payflow Pro & Payflow Link </li></ul><ul><li>Payflow Partner Program </li></ul>
  3. 3. PAYFLOW GATEWAY <ul><li>Enables real time credit card processing , acting as a secure connection between the merchant and card processing networks </li></ul><ul><li>Offers a low cost, fast, secure and simple integration point to multiple payment processors </li></ul><ul><li>Supports connectivity to almost all major U.S. payment processors, including PayPal </li></ul>
  4. 4. PAYFLOW BY NUMBERS <ul><li>80K merchants... </li></ul>… more than the first bailout for AIG 458M transactions… … which ranks us 64 th on the GDP country list $72B in payment volume… … more than the population of Kauai … more than the Indian chicken population
  5. 5. PayPal MERCHANT SERVICES <ul><li>Account administration and service management </li></ul><ul><li>Reporting </li></ul><ul><li>Registration </li></ul>Business Management PayPal Checkout Acquiring Solution Gateway Services <ul><li>Business accounts </li></ul><ul><li>Website Payments Standard </li></ul><ul><li>Express Checkout </li></ul><ul><li>Mobile API </li></ul><ul><li>Internet Merchant Account - Website Payments Pro </li></ul><ul><li>Virtual Terminal </li></ul><ul><li>Recurring Payments </li></ul><ul><li>Fraud Management Filters </li></ul>
  6. 6. PAYFLOW GATEWAY SERVICES <ul><li>Internet Merchant Account - Website Payments Pro </li></ul><ul><li>Virtual Terminal </li></ul><ul><li>Recurring Payments </li></ul><ul><li>Fraud Management Filters </li></ul><ul><li>Processor connectivity </li></ul><ul><li>Credit & purchase cards </li></ul><ul><li>ACH payments </li></ul><ul><li>PayPal </li></ul><ul><li>Recurring Billing </li></ul><ul><li>Fraud screening </li></ul><ul><li>Account administration and service management </li></ul><ul><li>Reporting </li></ul><ul><li>Registration </li></ul><ul><li>Business accounts </li></ul><ul><li>Website Payments Standard </li></ul><ul><li>Express Checkout </li></ul><ul><li>Mobile API </li></ul>Business Management PayPal Checkout Acquiring Solution Gateway Services
  7. 7. PayPal MERCHANT INTEGRATIONS <ul><li>Express-Checkout API </li></ul><ul><li>NVP/SOAP </li></ul><ul><li> </li></ul><ul><li>PayPal SDKs </li></ul><ul><li>Buy Now button </li></ul><ul><li>Do Direct Payment API </li></ul><ul><li>NVP/SOAP </li></ul><ul><li> </li></ul><ul><li>PayPal SDKs </li></ul><ul><li>Payflow Pro API </li></ul><ul><li>NVP/XML </li></ul><ul><li> </li></ul><ul><li>Payflow Pro SDKs </li></ul><ul><li>Easy HTML integration </li></ul>Merchant Experience PayPal Checkout Acquiring Solution Gateway Services
  8. 8. CREDIT CARD PROCESSING Merchant’s Acquiring Bank Consumer’s Issuing Bank Consumer Merchant Processor Payflow Gateway Your Application
  9. 9. CREDIT CARD PROCESSING WITH PayPal Consumer’s Issuing Bank Consumer Merchant Merchant’s Business Account Payflow Gateway Your Application
  10. 10. CHECKOUT WITH PayPal Consumer’s Personal Account Consumer Merchant Merchant’s Business Account Payflow Gateway Your Application
  11. 11. WHAT WE OFFER <ul><li>Connections to the financial networks: A single high quality, fault tolerant connection to the payment networks over the internet </li></ul><ul><li>Variety of payment options: Add new payment types (PayPal, credit cards, purchase cards, debit cards) without installing new software </li></ul><ul><li>Flexible payment API : No licensing or development fees with a PCI-compliant hosted checkout solution </li></ul><ul><li>Value-added services: Recurring billing services, advanced fraud protection services, and technical support packages </li></ul><ul><li>Service management: 24x7 access to web-based administration tools including search, reports, and virtual point-of-sale terminal </li></ul>
  12. 12. CONNECTING TO THE GATEWAY WITH PAYFLOW PRO <ul><li>Submit transactions and manage your payments </li></ul><ul><li>Message formats: </li></ul><ul><ul><li>Name-value pairs </li></ul></ul><ul><ul><li>XML (XMLPay 2.0) </li></ul></ul><ul><li>Host URLs: </li></ul><ul><ul><li>LIVE: </li></ul></ul><ul><ul><li>TEST: </li></ul></ul>Flexible, reliable & scalable payment API Your Application Payflow API Server NVP-XML/HTTPS
  13. 13. PAYFLOW PRO API SERVICES Recurring Billing Reporting PayPal Express Checkout Credit Card Processing Sale Authorization, delayed capture Credit Void Reference transactions Card present (swipe) transaction Voice authorization Purchase cards Address verification, CVV2 Fraud SetExpressCheckout GetExpressCheckoutDetails DoExpressCheckout Create, update, get billing agreement Reference transactions Inquiry transaction Reporting XML Add, modify, delete profile Activate, reactivate profile Force payment Accept, reject payment
  14. 14. PAYFLOW PRO HTTP REQUEST & RESPONSE USER=user&PWD=passorwd&VENDOR=vendor&PARTNER=PayPal &TRXTYPE=S&TENDER=C&ACCT=5105105105105100&EXPDATE=0112&CVV2=123&AMT=1.00&FIRSTNAME=John&LASTNAME=Smith&STREET=1_Main_Street&CITY=Austin&STATE=TX&ZIP=78704&COMMENT1=Reservation&INVNUM=123 HTTP/1.1 200 OK Connect: close Server: VPS-3.032.00 X-VPS-Request-ID: ae66ec694cea474002cba0025659946d X-VPS-Response-ID: V1sMZIeBBmr Content-type: text/namevalue Content-length: 189 RESULT=0&PNREF=V18A0BAB041A&RESPMSG=Approved &AUTHCODE=823PNI&AVSADDR=Y&AVSZIP=Y&CVV2MATCH=Y&HOSTCODE=A&PROCAVS=Y&PROCCVV2=M&IAVS=N&PREFPSMSG=No_Rules_Triggered&POSTFPSMSG=No_Rules_Triggered
  15. 15. BENEFITS OF USING PAYFLOW PRO <ul><li>Flexibility: Access to all available gateway services and multiple payment types </li></ul><ul><li>Scalability: API integration offers a high level of order processing automation, especially for large transaction volumes </li></ul><ul><li>Control and customization: Customized order and receipt pages and fully control your consumer’s experience </li></ul><ul><li>Data access: Order or customer data stored before sending it to the Payflow gateway </li></ul><ul><li>Fulfillment: Ability to share order data with a fulfillment house or an internal department </li></ul>
  16. 16. PAYFLOW PRO SDKs <ul><li>Supported platforms: </li></ul><ul><ul><li>Java (J2SE 1.4.2 or greater) </li></ul></ul><ul><ul><li>Microsoft .NET </li></ul></ul><ul><li>SDK features: </li></ul><ul><ul><li>Full support for Payflow web services </li></ul></ul><ul><ul><li>Payment object model </li></ul></ul><ul><ul><li>Connections to Live and Test environments </li></ul></ul><ul><ul><li>Logging </li></ul></ul><ul><ul><li>Error handling and retry logic </li></ul></ul><ul><ul><li>Sample code </li></ul></ul><ul><li>Download our SDK at </li></ul>Easy application integration with Payflow by using the Payflow Pro SDK Your Application XML NVP Retry Logic Logging Error Handling SSL Client Payflow Pro API Server HTTPS
  17. 17. CONNECTING TO THE GATEWAY WITH PAYFLOW LINK PCI-compliant solution with Payflow Link. Cut and paste HTML code onto your website. PayPal Hosted Pages Pay Checkout Page Thank You!
  18. 18. PAYFLOW LINK HTML CODE <ul><li><form method=&quot;POST&quot; action=&quot;;> </li></ul><ul><li><input type=&quot;hidden&quot; name=&quot;LOGIN&quot; value=“login&quot;> </li></ul><ul><li><input type=&quot;hidden&quot; name=&quot;PARTNER&quot; value=“PayPal&quot;> </li></ul><ul><li><input type=&quot;hidden&quot; name=&quot;AMOUNT&quot; value=&quot;1.00&quot;> </li></ul><ul><li><input type=&quot;hidden&quot; name=&quot;TYPE&quot; value=&quot;S&quot;> </li></ul><ul><li><input type=&quot;hidden&quot; name=&quot;DESCRIPTION&quot; value=“Hat&quot;> </li></ul><ul><li><p><input type=&quot;submit&quot; value=&quot;Click Here to Checkout&quot;></p> </li></ul><ul><li></form> </li></ul>
  19. 19. PAYFLOW PARTNER PROGRAM <ul><li>Partnering with PayPal to resell Payflow Gateway allows you to: </li></ul><ul><ul><li>Leverage a single integration point for an Internet Merchant Account and Website Payments Pro </li></ul></ul><ul><ul><li>Own the relationship and reduce the sales cycle by providing multiple services to your merchants </li></ul></ul><ul><ul><li>Improve the merchant experience by handling Payflow account creation and management </li></ul></ul><ul><ul><li>Customize retail pricing for your customers based on wholesale cost </li></ul></ul>Enables developers to bundle the Payflow Gateway into their offering and merchants have with a single integrated solution.
  20. 20. INDUSTRIES & APPLICATIONS FOR PAYFLOW Industries Retail eCommerce B2B Education Events Ticketing Services Utilities Government Non-profit Religious Political Applications Medical, utility billing Subscription billing Non-profit and donation management Event registration and ticketing Kiosks eCommerce order management Enterprise Resource Planning (ERP) integrations Web hosts Shopping carts Website providers Call center interactive voice response (IVR) Point-of-sale Mobile payments
  21. 21. PAYFLOW PARTNERS Pay by TV application by GuestTek: wireless internet access, Video on demand, and VoIP from at Hotel chains like the Hyatt Pay at Kiosk application by DVDPlay: Kiosk video rentals at major retail locations like Safeway & McDonalds Microsoft Great Plains integrations by Nodus: for merchants processing via retail, ecommerce, call center, and online Bill Pay. Software for medical front and back offices by MedFusion: For patient management including collecting co-payments & bill payments
  22. 22. HOW IT WORKS
  23. 23. USE CASE
  24. 24. CONCLUDING THOUGHTS <ul><li>The Payflow Gateway is the perfect platform for accepting payments. </li></ul><ul><li>We offer reliable and secure payment processing to many merchants, applications, and industries. </li></ul><ul><li>The Payflow Gateway offers a single integration point for credit card and PayPal payments. </li></ul><ul><li>Our partner program allows developers and solution providers to build strong payment solutions on top of our products. </li></ul>
  25. 25. MORE INFORMATION <ul><li>Payflow Pro SDK: </li></ul><ul><ul><li> </li></ul></ul><ul><li>Payflow Gateway forum: </li></ul><ul><ul><li> </li></ul></ul>
  26. 26. LEARN AND SHARE <ul><li> </li></ul><ul><li>Twitter:  @paypalx </li></ul><ul><li> </li></ul><ul><li>Innovate 09 hashtag:  #ppxi09 </li></ul>LEARN AND SHARE Twitter: @paypalx Innovate 09 hashtag: # ppxi09 Proprietary