PayPal FAQ's
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A. Yes - we do plan to extend the PayPal service to VSP Direct users in the future. It is in our development roadmap for 2009 and more information will be available closer to the release.
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A. The first release of the service includes some of PayPal’s own fraud screening checks including:
State-of-the-Art Technology
As a leader in security technology, PayPal use industry-leading fraud prevention to stop cyber crime.
24/7 Transaction Monitoring
To help protect you from fraud and identity theft, PayPal have a team of over 2,000 specialists worldwide, including former law enforcement officials who work with agencies around the world. PayPal’s experts will:
- Contact you immediately if they suspect fraud in your account.
- Work with authorities to shut down fraudulent websites.
Cutting-Edge Fraud Models
To help weed out fraudulent activity, every transaction is reviewed by industry-leading, proprietary models.
Customer Identity Checks
This additional measure indicates select members have completed PayPal’s verification system and successfully completed PayPal’s identity checks.
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A. The service does not include PayPal seller protection. If you require PayPal seller protection on your transactions, please use PayPal directly and not through the Protx integration.
We are looking at ways to add seller protection to our integrated solution in the next release.
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A. PayPal implements its own fraud prevention measures (please see details above).
As a PayPal transaction is not sent to the bank for authorisation by Protx, AVS/CV2 results cannot be obtained, therefore the AVS/CV2 results will always display the ‘Not Provided’ symbol within the VSP Admin area.
Similarly with 3D Secure, if a shopper selects to use PayPal they will not go through the 3D-Authentication process, therefore 3D Secure results will not be obtained.
The 3rd Man results are not available on PayPal transactions because many of the details used to make a payment through PayPal are not released to the 3rd Man, which means they do not have enough data to make a valid risk score.
If you want to learn more about PayPal’s own Fraud Prevention methods, please visit the PayPal website using the link below:
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A.
RULEBASES:
If you have implemented an AVS/CV2 or 3D Secure rule base, the rules are not applied to PayPal transactions, allowing the transaction to be successfully authorised regardless of the rule base.
The rule set will have NO EFFECT on transactions using PayPal.
For example, if you have implemented a Medium rule base:
PayPal transactions will always be successfully authorised (even though the AVS/CV2 and 3D Secure results are not checked).
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A. There is some additional code that you need to include for the PayPal option to appear on the Card Selection page. Please visit the link below for instructions:
If you require any further assistance, please email templates@protx.com
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A. PayPal transactions are settled by PayPal. The funds from your customers’ PayPal payments are deposited into your PayPal Business account immediately. You can then withdraw or transfer the funds electronically into your specified bank account.
Please contact PayPal directly to change the Bank Account where the funds will be transferred.
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A. As PayPal transactions are not settled by Protx, they will not be included in the Settlement Reports in your VSP Admin area. You need to log into your PayPal Admin area to obtain a report of your PayPal transactions.
You can search for your PayPal transactions using the 'Find a transaction' facility within the VSP Admin area.
Hover over the blue 
button and select 
.
Select PayPal from the Card Type drop-down menu; select a month to search, and click 
.
This will return a list of all the transactions that you have processed via PayPal through the Protx integration.
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A. There are no set up costs, no monthly fees and no cancellation fees, however PayPal charges per transaction – between 1.4% - 3.4% +20p per transaction depending on the merchant volume with PayPal. For further information regarding the transaction fees, please visit the PayPal website:
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A. A small number of vendors have recently informed us they cannot RELEASE certain DEFERRED Paypal transactions taken through Protx.
As part of our DEFERRED transaction type, we send an ORDER message to Paypal and the message returned is successful. When you attempt to RELEASE a DEFERRED transaction via the Protx system, Protx send a CAPTURE request.
Please note: Unlike a normal Protx DEFERRED transaction, no shadow is placed on the customer’s card for a PAYPAL DEFERRED transaction.
Similarly to 'Authenticated/Registered' transaction, a RELEASE/CAPTURE request may fail if there are insufficient funds on the shopper's card. The reason for this is the original ORDER/DEFERRED is equivalent to a traditional one pound authorisation. Therefore as mentioned above with a successful DEFERRED/ORDER no shadow is placed on the customer’s card.
A successful authorisation for a DEFERRED transaction only confirms the availability of funds and does not place any funds on hold.
Protx recommend that you do NOT ship the goods until the RELEASE/CAPTURE has been successful.
Whilst PayPal applies best efforts to capture funds there is a possibility that funds will not be available at that time.
At present an "error occurred at Protx" error message will be displayed for RELEASE failures, however a more user friendly error message will be implemented shortly in the next Paypal release.
To eliminate any issues on the Protx side, we also advise to attempt the RELEASE/CAPTURE via your Paypal account.
To do this, please follow the steps below:
- Log into your Paypal account |
- Open your transaction history. |
- Search for the transaction in question |
- Select the relevant option in the "action" column to CAPTURE the transaction. |
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A. Some vendors have reported problems refunding certain Paypal transactions. On investigation with Paypal these were 'eCheck' payments.
An eCheck payment is made when a bank payment is not backed up with a debit or credit card which requires between 7-9 working days to clear. It is just like writing a cheque, only it is done electronically.
Therefore in order to issue a refund on an 'eCheck' payment, please allow between 7-9 working days from the original transaction date.
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