Paypal

Paypal is a well-recognized payment system. By enabling it, you’ll give your users another option to trust your website. In this page we will show how to receive payments via Paypal and handling them in Gestpay. Paypal works in 200+ countries.

How it works for the user

If you want to use the paymentType tag for this method, the value to use is PAYPAL. See the section How to redirect the customer to a payment method to learn how to use the paymentType tag.

If Paypal is the only option set, The user will be redirected directly, without seeing Gestpay payment page.

Paypal will show in the available options on checkout:


Enabling Paypal on Gestpay - test accounts

You can try Paypal with Gestpay test environment. To do so, you must create a sandbox business account.

A sandbox account is almost the same thing of a real account, with the important difference that no money is involved. You can create test accounts for buyers and for merchants, so that you can experiment with payments (e.g. try a buyer with no money, or a different currency…).

Sandboxed accounts can be only used with sandboxed paypal payment pages. When setting a paypal account in Gestpay, the payment will be automatically redirected to the sandboxed payment page.

To create and manage sanboxed accounts, go to Paypal Sandbox and create a new sandbox account.

Tip: if you select your country before registering, your account will be already set to accept the Euro currency.

Paypal webpage might change during time, and the page can be different basend on language and country; the steps are more or less these:


A standard business account (free) is sufficient.

Fill in the required data, like the email address, your name, etc.

Then, repeat the same steps to create a Personal Sandbox account. This will be used as a test buyer.

You can put a non-valid email address, as long as you remember it. These are valid only in paypal sandbox.

Tip: if your email is user@email.com, we suggest you to create the accounts user-merchant@email.com and user-buyer@email.com.

1. Enable API Access

Once you have created a sandboxed paypal merchant account, go to your profile settings:


NOTE: Paypal user interface may change over time. Links and menus may change location or graphic style.

Select My Selling Tools from the left menu and then Api Access.



Then, click on Grant Api permission and insert the value bsitecomm-facilitator_api1.sella.it. Then click Lookup. Add all permissions, then Add.



Next step on Paypal website: Instant payment notifications.

2. Instant Payment Notifications

Let’s go back (in My Selling tools menu). Select Instant payment notifications and then Choose Ipn Settings.


In Notification URL put https://testecomm.sella.it/pagam/PayPalIPN.aspx, select Receive IPN messages and click Save.


3. Check the currency

Paypal sandbox account may be using a different currency instead of yours’, so it might be useful to check and adjust accordingly.



Enable on Gestpay and test

Contact Gestpay’s customer support at ecommerce@sella.it and ask them to link your sandbox business account (in our example, gestpay-merchant@gmail.com) with your Gestpay test account.

Only sandboxed buyer accounts can pay on sandboxed merchant accounts.

If you try to do a payment, you will be able to see Paypal in the payment options:


Remember to use the sandboxed buyer account:


Congratulations! You have made it!

How to enable Paypal on Gestpay - production accounts

Now that you’ve done your tests with Gestpay Test Environment and Paypal Sandbox, you can enable the official paypal account with your official Gestpay account.

Enabling Paypal with Gestpay requires the following steps:

  1. Click on Join now! in the Merchant’ Home Page
  2. Configure Paypal and Gestpay to work together setting the API Access
  3. Set the IPN settings
  4. Send documents to paypal to remove limits

1. Click on Join Now

In your Merchant Back Office home page you’ll see the button Join Us! (Aderisci Ora, in italian):


This will guide you through the process of enabling Paypal with Gestpay.

If you already have an active Paypal account, you can link it to Gestpay, otherwise it can be a newly created account.

2. API Access

Once you have created a paypal merchant account, go to your profile settings:


Select My Selling Tools from the left menu and then Api Access.



Then, click on Grant Api permission and insert the value ecommerce_api1.sella.it. Then click Lookup. Add all permissions, then Add.


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3. Instant Payment Notifications

Let’s go back (in My Selling tools menu). Select Instant payment notifications and then Choose Ipn Settings.


In Notification URL put https://ecomm.sella.it/pagam/PayPalIPN.aspx, select Receive IPN messages and click Save.


Send documentation

At this point your Business PayPal account is configured to be used with Gestpay, but in order to use it, you must send to Paypal some data about your business.

You have to compile and send the document “Modulo di Adesione” (given to you by the operator) with data about your business. Together with a valid ID document of the owner, you can upload your documents to Paypal:

You’ll receive a communication by Gestpay Customer Care saying that your Paypal account is correctly activated on Gestpay.

From this moment, the payments you’ll receive will involve real money.

If you try to do a payment, you will be able to see Paypal in the payment options:


Your customers will be now able to pay with Paypal.

Paypal Honor Period

Just like M.O.T.O. in Gestpay, Paypal permits to authorize an amount and then settle it later.

The difference between Gestpay and Paypal is that Paypal honors 100% of authorized funds for three days. This three days period is called by Paypal the “Honor period”.

You can attempt to settle a payment without reauthorization form the fourth day to day 25 (Remember: Gestpay maximum period for cancelling an authorization is 25 days), but Paypal cannot ensure that 100% of the funds will be available after the honor period.

Paypal reserves its rights to change this behaviour if your account or the buyer’s account are restricted, locked, or fraudolent.

You can read more about the honor period in Paypal docs.

Paypal Seller Protection

PayPal Seller protection provides Sellers from Claims, Chargebacks or Reversals that are based on:

PayPal Seller protection is available for eligible payments from buyers in any country.

To be eligible for PayPal Seller protection, you must meet all of the basic requirements listed here (Italian) or here (English).

Seller Protection: Fields & Parameters

In order to use “Pay Pal seller Protection” feature payments merchants must create a new payment page and set up as “Parameter” all the fields in the list below through the Payment Page > Fields & Parameter section of the Merchant Back Office.

For changes to take effect, the page must be published.

Field Settings Notes
Paypal Seller Protection PARAMETER = TRUE This allows merchants to activate Seller Protection
Ship To City PARAMETER = TRUE Ship To City Value
Ship To Country Code PARAMETER = TRUE Ship To Country Code Value
Ship To Name PARAMETER = TRUE Ship To Name Value
Ship To State PARAMETER = TRUE Ship To State Value
Ship To Street PARAMETER = TRUE Ship To Street Value
Ship To Street2 PARAMETER = TRUE Optional fields for Ship To Street Value
Ship To Zip PARAMETER = TRUE Ship To Zip Value

How do I activate Paypal Seller Protection?

PayPal Seller Protection option has to be enabled for the merchant from the Bank Back Office.

The Merchant can decide for every transaction if use the “seller protection” or not, passing the XML element ppSellerProtection to 1.

In addiction it’s necessary to pass these values in the encryption call, so the transaction have automatically the “Seller Protection” flag:

Transaction performed with PayPal Seller Protection will be marked in the Active Report of Back Office Merchant with a flag.

To pass the Seller Protection elements, it is necessary to configure the Fields and parameters value in the proper way, each value has to be enabled as parameter.

TODO See 12.3 Configuration of Fields & Parameters for detail.

Example

Here it is an example of filled values. State and Country Code values are listed in State Codes table and Country Code table. The field shipToStreet2 is optional.

<ppSellerProtection>1</ppSellerProtection>
<shippingDetails>
  <shipToName>Mario Rossi</shipToName>
  <shipToStreet>Via Roma,1</shipToStreet>
  <shipToCity>Milano</shipToCity>
  <shipToState>MI</shipToState>
  <shipToCountryCode>IT</shipToCountryCode>
  <shipToZip>20121</shipToZip>
  <shipToStreet2></shipToStreet2>
</shippingDetails>

Enabling recurring payments with Paypal

A Buyer will be able to subscribe a Billing Agreement on PayPal website so authorizing the Merchant to debit his/her PayPal account in future transactions.

Paypal Reference Transaction activation

To use PayPal Reference Transaction it’s necessary to fill the tag PayPalBillingAgreementDescription that can be present or not (in case of a normal PayPal payment it will be left empty or not passed at all).

The Encryption service, if field payPalBillingAgreementDescription is present and not empty, assumes that the payment method is PayPal (so paymentType field in this case is not mandatory: if present it must be valued PAYPAL).

If this tag is passed to Encryption, GestPay bypasses the Pagam page in every case (even if other payment methods are enabled for the Merchant).

This tag has to be filled with description of the goods, terms and conditions of the billing agreement:

<payPalBillingAgreementDescription>
   description of the agreement
</payPalBillingAgreementDescription>