Future of the (Payments) API: PayPalX
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n Peer-to-Peer financing, just as in any other financing models, transparency, trust, reliability, and security are essential in making it a huge success. The PayPal X Payments Platform’s Adaptive APIs provides all those essential features that any application would need in building a solid Peer-to-Peer financing platform. The Split Payments provide transparency, Preapprovals provide trust and security, Adaptive accounts provide validity of user accounts, and the PayPal’s strong and most robust security and fraud detection systems provide the security that any application would need.
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Future of the (Payments) API: PayPalX
- 1. May 14th, 2010 The future of the API: PayPal X Praveen Alavilli, Developer Evangelist, PayPal Peer Financing for Developers NYC Conference
- 5. Using PayPal X APIs
- 7. X.com
- 8. Q & Awww.x.com 2
- 9. PayPal X Open Global Payments Platform for developers www.x.com Enables various Monetization Models Subscriptions Pay as you use Free to use, pay to services Freemium eCommerce 3
- 10. Payments oh my! www.x.com Travelers checks Bill payments Check or draft ACH payment Cards, cards, cards Net-based payments Many others 4
- 11. 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 For Developers www.x.com 5
- 14. Pay: Transfer funds between parties. Supports simple, chained, parallel, preapproved payments, etc.
- 15. PaymentDetails: Get details of a payment
- 16. Preapproval APIs
- 17. Preapproval: Preapproval agreement signup
- 18. PreapprovalDetails: Get details of a preapproval
- 19. CancelPreapproval: Cancel an existing preapproval
- 20. Refund: Refund a payment (complete, partial, etc.)
- 22. Split payments
- 23. Bill payments
- 24. Payroll payments
- 25. B2B payments
- 26. Remittances
- 29. Points and miles
- 30. Mass payments
- 31. Invoice payments
- 34. Money transfers
- 38. Simple Send Money 8 Basic building block allows merchants to transfer money from one entity to another Sample Use Cases: P2P payments, Social Networks, Gaming applications www.x.com
- 40. Allows an API caller to make payments on behalf of a sender within the constraints specified
- 41. PIN optional for future payments made within the authorized amount
- 42. Useful for single/multi use, and subscription paymentswww.x.com C Pre Approval Sample Use Cases: Pay as you use, Micropayments for Digital goods, Subscriptions 9
- 44. Future interactions with each transaction can be separate
- 46. Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so onwww.x.com $10 $100 Sender Visibility $40 $50 Sample Use Cases: Payouts, Disbursements, Affiliate fees, MarketPlaces 10
- 48. Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so onwww.x.com $100 $10 $40 Sender Visibility Primary $50 Sample Use Cases: Multi-Merchant Marketplaces, Gaming platform, Referral programs, Property Management (Rent Payments) 11
- 49. Combine Chained and Preapprovals www.x.com C Primary AND Pre Approval 12
- 50. Combine Parallel and Preapprovals 13 C AND Pre Approval www.x.com
- 51. Sample Interaction Flow www.x.com A Rental App that allows tenants to pay rent to a property management that splits the payment to the actual owner and the HOA. Owner Tenant Property Management HOA 14
- 52. API WEB Sender Rental App Pay API Pay Key Redirect User to PayPal Return URL User Name = Rental_admin.api Secondary Receiver [2] = Sec Receiver_2@mail.com Password = keep$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 15 Confidential and Proprietary 15 15 www.x.com
- 54. Account created can be used with any PayPal APIs, including Adaptive Payment APIs
- 56. Create Personal and Premier accounts.
- 59. Get Account Verification Status
- 60. Benefits:
- 64. Answer security questionsReturn URL 17
- 65. Use cases for Adaptive Accounts www.x.com 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 18
- 67. SOAP, NVP, JSON, XML
- 68. Open Source SDKs and Toolkits
- 69. Java
- 70. PHP
- 71. .NET
- 73. ColdFusion
- 74. APEX Toolkit for Force.com
- 75. Mobile Embedded Payments Library19 www.x.com
- 77. iPhone library in public beta
- 78. Andriod library next week @ Google IO
- 79. accept payments for physical goods, services, donations and P2P “inside” your app20 www.x.com
- 80. 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 Transparency, Trust, Reliability & Security 21 www.x.com
- 81. X.Com – PayPal X Developer Portal Technical Docs for all products SDKs and Sample code Forums – non-moderated content Blogs – PayPal and developers Docs rating and commenting Provide Feedback Videos & Presentations 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. 22 www.x.com
- 82. 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 23 www.x.com
- 83. Appendix Applications built by Developers 24 www.x.com
- 87. Gaming Credits 28 www.x.com
- 88. Fund Raising/Donations 29 www.x.com
- 89. CROWD SOURCING/CLOUd 30 www.x.com
Notas do Editor
- As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.
- As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.The API Caller also needs a PayPal Business Account as the application is moving money between multiple parties and could possibly take it’s own cut/commission.