PayPal Payments Pro is PayPal's complete online payment processing solution. It equips its merchants with access to PayPal's payment gateway so they can start accepting card payments and a merchant account so they needn't turn to a third party merchant account provider.
Consider the following before you choose PayPal Payments Pro to be your payment solution:
Countries Supported:PayPal Payments Pro onboards merchants based in the United States of America, Canada, and the United Kingdom. If your business is domiciled in Australia or New Zealand and you would like to use PayPal's payment gateway, consider using PayPal Payflow Pro .
Payment Methods: PayPal supports payments via PayPal and credit card. However, it is important to note that Chargebee doesn't support PayPal payments with Payments Pro at this time.
Pricing: PayPal has service fees which include monthly and per-transaction fees. These fees are location based. Visit your country specific PayPal site for more information.
Chargebee stores credit card information associated with Payments Pro in a third party card vault, provided by Spreedly . Configuring your Payments Pro account so that it authenticates with Spreedly is accomplished in a few easy steps. Of the three ‘modes' that Spreedly uses to authenticate with PayPal (each mode empowering Spreedly with different levels of access to your PayPal account), you need to configure your PayPal account to Signature mode to integrate with Chargebee.
Follow these steps to set your PayPal account to Signature Mode .
If you already use PayPal Payments and your card information is stored in PayPal's vault, you will have to migrate your card information to Spreedly to integrate with Chargebee. Drop a mail to firstname.lastname@example.org for more information on the migration process.
Although PayPal Payments Pro supports accepting payments via PayPal, Chargebee only accepts payments via cards. To accept payments via your customers' PayPal accounts, you will need to configure PayPal Express Checkout with Chargebee.
Additionally, you would need to:
Sign the billing agreement: Signing the billing agreement present on the Overview page will automatically sign you up for Website Payments Pro, which will allow you to accept payments.
Enable Reference Transactions: Enabling reference transactions on your PayPal account allows Chargebee to communicate with it and automate payments for subscriptions. While reference transactions are automatically enabled in the sandbox, you need to contact paypal to enable reference transactions on your live site. It is a simple procedure that is accomplished on the back end. Please note that PayPal has an approval process to enable reference transactions in your business account and this process usually takes some time.
While signing up for PayPal Payments Pro equips you with a merchant account and access to PayPal's payment gateway, signing up for Website Payments Pro allows your PayPal account to receive payments via credit and debit card. Fortunately, signing your billing agreement with PayPal Payments Pro automatically signs you up for Website Payments pro; just remember to do so when you're ready to go live i.e. to start accepting payments on your website.
PayPal Payments Pro can be integrated with Chargebee only on the live site. Testing with PayPal Payments Pro is discussed later in this document.
Chargebee offers the following options to integrate with PayPal Payments Pro:
Option A Chargebee's hosted payment pages + PayPal Payments Pro Gateway
In this method, a customer's card information is collected by Chargebee's secure hosted pages and passed on to Spreedly for storage. This minimizes your PCI compliance requirements. As a merchant using Chargebee's hosted pages, all you have to do is fill in a Self Assessment Questionnaire (SAQ-A) and submit it to the payment gateway, if requested.
PCI Compliance Requirements: Low
Option B Chargebee's API + PayPal Payments Pro Gateway
With this option, the collection of card information is handled at your end and is passed on to Chargebee later. Once captured, Chargebee would route the card information to Spreedly. This sets your PCI compliance requirements a little higher; you will have to prove that your servers are secure enough to receive such sensitive information.
PCI Compliance Requirements: High
With your Payments Pro account comfortably communicating with Spreedly in Signature mode, you are ready to integrate with Chargebee. Follow these steps to setup PayPal Payments Pro on Chargebee's live site:
PayPal Payments Pro can be integrated with Chargebee only on the live site. If you are on Chargebee's test site and want to run a few test transactions, you can make use of Chargebee's test payment gateway which is designed to simulate all payment related scenarios. Test cards for testing with Chargebee's test gateway can be found on our cards page.