ebs-paypal user manual v1.1.
Contents
1. EBS An ingenico company EBS An ingenico company PayPal Integration Expand your online business with PayPal and EBS PayPal can now be easily integrated via EBS s single interface online platform By adding PayPal via the EBS platform you gain access to PayPal s base ofover113 2millionactive accounts in190marketswho prefer using PayPal for payments You can also start accepting 26 multiple currencies and all major credit debit cards immediately This in addition to EBS s existing payment methods Offering PayPal via the EBS payment platform will increase online checkout conversion and boost sales Note Using PayPal INR transactions cannot be processed Integration Merchant can use their existing integration with EBS with 2 additional changes 1 Display the Payment option on the Merchant application and on Customer selection should redirect to EBS This request should have an additional parameter Parameter Name payment_option Parameter Value 1211 Example lt input name payment_option type hidden value 1211 gt 2 For processing Multi currencies merchant should send the Currency code along with the other request parameters Parameter details Parameter Name display_currency Parameter Value Currency code in ISO3 format Currency Currency Value Australian Dollar A AUD Canadian Dollar C CAD Euro EUR British Pound GBP Japanese Yen JPY U S Dollar S USD2. Note if you don t add a bank account in India to your PayPal account then your PayPal account will also be limited from receiving export related payments Now you will be able to receive export related payments of up to USD 3000 per transaction into your PayPal account FIRC for the foreign transactions will not be provided by EBS EBS will not be liable for any loss occurred through PayPal Account Transactions For more information please visit https www paypal apac com india PayPal Customer Support India Toll Free number 1800 212 3852 Operation hours from 9am to 5 30pm Monday to Sunday EBS An geno company PayPal FAQ Q1 What is a Purpose Code A Purpose Code is a code you select on the type of commercial activity for which you are receiving export related payments In accordance with the RBI Guidelines selecting a Purpose Code for your transactions is essential Q2 Why do I need to add a Purpose Code PAN and bank account in India In order to comply with the RBI Guidelines all PayPal users in India must add a Purpose Code PAN and bank account in India to receive export related payments into their PayPal account and withdraw money Q3 Who needs to add PAN Purpose Code bank account in India and update postal address Those who receive payments into their PayPal account and withdraw money and Those who pay for online purchases and currently have balance in their PayPal account Note All customers
3. 1 Login to EBS Merchant Backend Console 2 Navigate to Account gt PayPal Configuration 3 On the configuration page provide your valid PayPal Business Account Email ID and Click on Activate Button 4 Now you will be redirected to PayPal Page to grant permissions Click the Submit button and you will be redirected back to EBS page Now you are ready to accept Payments through PayPal Perform a test transaction and if any issues are identified mail us at support ebs in with the details For more information please check the PayPal FAQs document Note A Once the above process completed share us the business PayPal ID to Support ebs in for the verification purpose B After the verification EBS will proceed for further PayPal Activation based on the approval EBS An mgenco company Expand your online business with PayPal and EBS Funding and Withdrawing from Paypal Merchants can open a PayPal account by registering online from EBS Backend console In order to comply with the RBI Guidelines all PayPal users in India must e Add a Permanent Account Number PAN and Purpose Code By adding this information you will continue to receive export related payments into your PayPal account and your account will not be limited from receiving future payments e Add a bank account in India This will help us to auto withdraw your PayPal balance out of your PayPal account and transfer your balance to your bank account in India
4. New Zealand Dollar S NZD Swiss Franc CHF Hong Kong Dollar S HKD Singapore Dollar SGD Swedish Krona SEK Danish Krone DKK Polish Zloty PLN Norwegian Krone NOK Hungarian Forint HUF Czech Koruna CZK Israeli New Shekel ILS Mexican Peso MXN Brazilian Real only for Brazilian members BRL Malaysian Ringgit only for Malaysian MYR members Philippine Peso PHP New Taiwan Dollar TWD Thai Baht THB Turkish Lira only for Turkish members TRY Pre requisites to accept payments 1 PayPal Business Account To accept payments through PayPal merchant need to have PayPal Business Account If the Merchant do not have existing PayPal Account this can be created from the EBS Backend Steps to Create Business Account 1 Login to EBS Merchant Backend Console 2 Navigate to Account gt PayPal Configuration 3 On the configuration page Click on the link Create PayPal Account You will be opened with a form to fill in the details as shown below Fill the details and submit the form Screenshot PayPal Configuration EBS gt Account gt Paypal Configuration Account Analytics Summary Settings You will need a PayPal business accountto enable PayPal Express Checkout e EBS An ingenico company Paypal Configuration Notification If you do not have Paypal accoun create a Paypal account first MERCHANT NEED TO CREATE A PAYPAL ACCOUNT HERE Paypal Configuration PayPal Proven to increase sales According to Jupi
5. can continue to use their PayPal accounts with a card linked to it to safely make online purchases Q4 I have added all of my information why is my account still restricted Thank you for adding your appropriate information and for offering PayPal to your customers In keeping with RBI regulations we need to validate your PAN information which can take 1 2 days to complete Your account will be updated as soon as we have completed this procedure Q5 I only use my account to make purchases do I need to update my account No you do not need to do anything to continue using your credit card funded PayPal account to make purchases across the world Q6 What if I don t add a Purpose Code PAN and bank account in India In accordance with the RBI Guidelines all PayPal users in India are required to add a Purpose Code PAN and bank account in India in order to receive export related payments into their PayPal account and withdraw money Your account will be limited from receiving payments in case you fail to do so Q7 I have a US bank account added to my PayPal account do I still need to add a bank account in India Yes in order to receive export related payments and withdraw money you will need to add a bank account in India Failure to do so will result in your PayPal account being limited from receiving payments Q8 Can I link a US bank account to my PayPal India account Based on RBI Guidelines PayPal has removed all US bank account
6. he process of automatically transferring your money from your PayPal account into your bank account in India Q17 Where will my money be auto withdrawn to Your PayPal balance will be auto withdrawn to your bank account in India If you have one bank account added to your PayPal account it will be set as your auto withdrawal account In case you have more than one bank account added to your PayPal account you will have an additional option to select your auto withdrawal account in India Q18 Why is my money being auto withdrawn This is an RBI regulatory requirement and applies to all PayPal users in India Q19 When does auto withdrawal happen Your PayPal balance is auto withdrawn to the nodal bank account in India daily To account for processing timeframes please allow for 5 7 business days after your money is auto withdrawn from your PayPal account for the money to show up in your bank account in India Q20 How will PayPal refund my buyer if I have no balance in my PayPal account EBS An ngenico company In India refunds will be made from your credit card which you will have to link to your PayPal account Q21 How long does it take for my buyers to get refunded Your buyers are refunded immediately The refund is made to their credit cards only Q22 Who is responsible to take care of the disputes You are responsible to resolve all disputes on your PayPal account The consumer has up to 45 days to open a dispute against an
7. n order to comply with the RBI Guidelines PayPal users in India are not allowed to use the Mass Payment feature Our mass payment feature supports only payment from balance and not credit cards Q27 Is it true that that I can receive up to USD 3000 per transaction into my PayPal account Yes PayPal users in India will be able to receive export related payments of up to USD 3000 per transaction into their PayPal accounts effective immediately This has been approved by the RBI The earlier limit of USD 500 per transaction for export related payments will no longer apply Q28 What message will buyers see if they try to send payment more than the applicable limit Buyers will be informed about this per transaction limit and that they cannot exceed this limit set by the RBI Q29 What happens when a buyer or seller is attempting a domestic transaction The transaction will be blocked and a message will be displayed We notice that you are attempting to pay an Indian resident user The payment you initiated has been blocked PayPal only facilitates international payments and cannot be used for domestic payments within India We suggest you find alternative methods to complete the payment If you believe that the person you attempted to pay is not based in India please contact PayPal customer support EBS An ingenico company Q30 What is PayPal Acceptable Use Policy PayPal operates an Acceptable Use Policy AUP in relation to the t
8. r their purchase via PayPal account balance on my website Why We re glad that you offer PayPal to your customers Unfortunately customers in India are not allowed to fund purchases from their PayPal account balance PayPal currently only offers businesses the ability to accept export related payments Q13 Can I use my existing PayPal account on the EBS platform Yes you just need to provide your PayPal email ID to EBS to be added to the integration process Q14 What currencies do PayPal support PayPal supports payments in 25 currencies including U S Dollar Canadian Dollars Euros British Pounds Japanese Yen Australian Dollars New Zealand Dollars Swiss Francs Hong Kong Dollars Singapore Dollars Swedish Kronor Danish Kroner Polish Zlotys Norwegian Kroner Hungarian Forints Czech Koruny Israeli Shekels Mexican Pesos Brazilian Real only for Brazilian members Malaysian Ringgits only for Malaysian members Philippine Pesos New Taiwan Dollars Thai Baht TRY for Turkish Liras only for Turkish members Thai Baht and Chinese RMB Q15 How am I charged for accepting FX The foreign exchange rate is adjusted periodically on a daily basis to reflect market conditions by a licensed financial institution and includes a 2 5 processing fee which is retained by PayPal The exact exchange rate that applies to your transaction will be displayed to you at the time of the transaction Q16 What is auto withdrawal Auto withdrawal is t
9. s linked to your PayPal India account Hence in order to receive export related payments and withdraw money you will need to add a bank account in India Failure to do so will result in your PayPal account being limited from receiving payments Q9 How much does it cost to accept payments 0 00 USD 3 000 00 USD 3 9 0 30 USD 3 000 01 USD 10 000 00 USD 3 4 0 30 USD 10 000 01 USD 100 000 00 USD 3 2 0 30 USD gt 100 000 00 USD 2 9 0 30 USD Refer to https www paypal com in cgi bin webscr cmd _display fees outside for more information Note All transactions in India is in foreign currency see Q14 amp Q15 for FX fees EBS An ngenico company Q10 Why will PayPal not allow me to keep money in my PayPal balance PayPal users in India are not allowed to hold money in their PayPal account as balance Instead all payments received into your PayPal account must be withdrawn to your linked bank account in India Q11 Will my customers be able to complete their checkout with their PayPal account balance Thank you for offering PayPal to your customers Unfortunately customers in India are not allowed to fund purchases from their PayPal account balance This means that your customers will need to link a credit or debit card to their PayPal account to make purchases with PayPal This change is to ensure that we continue to comply with the RBI Guidelines Q12 PayPal customers in India are not able to complete payment fo
10. ter Research 23 of online shoppers like to pay with PayPal September 2007 Jupiter Research study lf you offer your visitors the choice to pay with PayPal Customer Payments they may be more likely to buy See a demo of Paypal Express Checkout Search Payments Already have a PayPal Account Reports Please enter your PayPal Account Email Address Her PASTE THE PAYPAL BUSINESS ID HERE TO GRANT Invoice Activate PREMISSION AND ACTIVATE THE SAME Cart Setup Manage Users Chargeback Case Setup Instructions You must have a PayPal business account and you must grant EBS third party API Access to your PayPal profile 1 Clicking Activate will redirect to your PayPal account 2 Click Grant Permissions on the PayPal screen 3 After granting permissions you ll be redirected back to this page with your PayPal account configured EBS An ingenico company Screenshot PayPal Creation EBS gt Account Account FILL ALL THE INFORAMTION TO CREATE A PAYPAL BUSINESS ACCOUNT Create Paypal Business Account create a Paypal accc Personal Information First Name Last Name Address City State Zip Code Country Contact Phone Number Currency Code Business Information Business Name 2 Grant Permissions to EBS Once Merchant have a valid PayPal Business Account you need to Grant permissions to EBS to accept payments process Capture Refund Steps to grant permissions to EBS
11. ultiple Currency Balances in the PayPal Account 1 Please click on the below link amp Login to your PayPal Account https www paypal com au cgi bin customerprofileweb cmd _profile currencies 2 Select the desired Currency from the drop down menu amp click on Add Currency EBS An ngemico company EBS An mgemco company To ensure prompt support EBS has a simple online ticketing system accessible 24x7 at http support ebs in Each ticket will be responded in 8 to 24 Business working Hours with ticket number to facilitate status check anytime thereafter Please send your suggestions feedback to support ebs in 91 44 4231 3333
12. y order You are notified by PayPal by email to the email address being used as your account ID whenever a dispute is opened Then you can take actions in the Resolution Center from your PayPal account Q23 Can I withdraw my money manually You can also withdraw your money Here s how 1 Log in to your PayPal account and click on Withdraw at the top of the page 2 Select the bank account you want to use 3 Enter the amount and click on Continue 4 Select your Purpose Code for withdrawal 5 Make sure that your information is correct and click on Continue Q24 What are the fees charged for withdrawal There are no fees charged for auto withdrawals made to your bank account or the withdrawals that you make to your bank account If foreign exchange or currency conversion is required to complete any transaction this will be performed by a licensed financial institution The foreign exchange rate is adjusted periodically on a daily basis to reflect market conditions and includes a 2 5 processing fee which is retained by PayPal The exact exchange rate that applies to your transaction will be displayed to you at the time of the transaction Q25 Can I use my PayPal balance In accordance with the RBI Guidelines you cannot send payments for your purchases with your PayPal account balance Please use your PayPal account with a card linked to it to send payments Q26 I am unable to find the Mass Payment feature in your website Why I
13. ypes of businesses we allow to process payments and is based on legal and industry requirements bank and card association rules and protecting the reputation and brand of PayPal and eBay Inc Refer to https cms paypal com al cgi bin cmd _render content amp content_ID ua AcceptableUse_full for more information Q31 Where do I get the PayPal logo to put on my website You can go to https www paypal com uk cgi bin webscr cmd xpt Marketing general PayPalLogoCenter outside to download the latest logo Q32 What is the contact detail for PayPal Customer Support The local Customer Support toll free telephone number is 1800 212 3852 Operation hours from 9am to 5 30pm Monday to Sunday Q33 What measures should I need to take to process multi currencies The local Customer Support toll free telephone number is 1800 212 3852 Operation hours from 9am to 5 30pm Monday to Sunday USD is the Primary Default Currency for the Indian PayPal Account Merchants can accept multiple currencies other than USD but they have to open up Currencies Balances in the PayPal Account for those currencies If Currency balances are not configured for a particular for Ex Euro then that transaction will be in the UnClaimed status until the Merchants manually accept the Transaction from his PayPal Account In order to avoid these situations merchant can open Currency Balances for the Currencies which Merchant is accepting Here is the instructions to open M
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