PayPal Virtual Terminal - 2005 User's Guide
Contents
1. l Hg check all clear all 6 Review the capture transactions make any desired changes and submit them for processing 30 July 2005 Capturing Voiding and Refunding on www paypal com a Voiding an Authorization Voiding an Authorization If you initiated an authorization and now want to refund the customer you need to void the authorization Once you void an authorization you cannot capture any funds associated with the authorization and the funds are returned to the customer Note Voiding an authorization cancels the entire open amount You can initiate a void in the following cases e the authorization is pending e the authorized amount was captured at less than 100 To void an authorization 1 Click on the Void button associated with the authorization 2 Confirm the void details on the Void Authorization page and then click Void Note PayPal recommends that you explain any unique circumstances to your buyer in the Note field PayPal sends your customer an email with the details of the void Processing a Refund If initiated a sale and now want to refund your customer you need to process a refund You can send your customer a refund within 60 days after receiving payment by clicking the Refund Payment link on the Transaction Details page If it has been more than 60 days since you received the payment you need use the Send Money tab to send the refund To send a refund within 60 days of2. 42 Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors TABLE A 1 Direct Payment API Errors Error Code 10512 10513 10519 10520 10521 10523 10525 10526 10527 10534 10535 10536 10537 Short Message Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Internal Error Invalid Data Invalid Data Invalid Data Gateway Decline Gateway Decline Invalid Data Filter Decline Long Message This transaction cannot be processed Please enter a first name This transaction cannot be processed Please enter a last name Please enter a credit card This transaction cannot be processed This transaction cannot be processed Please enter a valid credit card This transaction cannot be processed This transaction cannot be processed The amount to be charged is zero This transaction cannot be processed The currency is not supported at this time This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed This transaction cannot be processed Corrective Action The first name of the buyer is required for this merchant The last name of the buyer
3. Processor Decline Processor Decline Processor Decline Long Message This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed The country listed for your business address is not currently supported This transaction cannot be processed Please check the status of your first transaction before placing another order This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed Please enter a valid Credit Card Verification Number This transaction cannot be processed This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed Please use a valid credit card Corrective Action The transaction was declined by PayPal Contact PayPal for more information The merchant s country of residence listed in their PayPal account is not currently supported to allow Direct Payment transactions The transaction was declined because PayPal is currently processing a transaction by the same buyer for the same amount Can occur when a buyer submits multiple identical transactions in quick succession The CVV provide is invalid The CVV is between 3 4 digits long None this is a PayPal internal error The
4. N No match None P Not Processed Not applicable S Service not Supported Not applicable U Unavailable Not applicable Virtual Terminal User Guide July 2005 21 nae Using Virtual Terminal Handling Problems TABLE 3 4 CVV Response Codes CVV Code Meaning Matched Details X No response Not applicable All Error Not applicable others Address Verification System Responses If you encounter an AVS error while processing a phone order you might ask the customer if their billing address has changed recently and then process the order using their previous billing address Some credit card companies can take up to six months to update billing addresses in their database By default PayPal rejects a transaction if the Address Verirfication System response is C E or N PayPal does not reject the transaction if the customer is international or if the AVS system is unavailable TABLE 3 5 AVS Responses AVS Code Meaning A Address B International A C International N D International X Not allowed for MOTO Internet Phone transactions UK specific X G Global Unavailable I International Unavailable N No Postal International Z R Retry Service not Supported Matched Details Address only no ZIP Address only no ZIP None NOTE The transaction is declined Address and Postal Code Not applicable NOTE The transaction is declined Address and Postal Code Not applicab
5. 2005 19 20 Using Virtual Terminal Processing a Virtual Terminal Order 6 Enter the cardholder s address city state and ZIP code in the appropriate fields 7 If you ve enabled the buyer email receipt and want to send the customer an email receipt enter the customer s email address in the optional Email Address field To learn more see Enabling the Optional Buyer Email Receipt on page 13 8 If you want to ship to an address that is different from the billing address select the Enter a separate shipping address radio button Shipping Address D Use the above billing address as the shipping address Enter a separate shipping address 9 Enter the shipping address city state and ZIP code in the appropriate fields 10 Once you ve completed the form click Review Transaction The Review Transaction page appears 11 Review the order details credit card details and shipping information 12 If the information is incorrect click Edit and make the necessary changes If the information is correct click Process Transaction When the transaction is successful PayPal displays the Transaction Details If the transaction is not successful PayPal displays an error message For information about handling possible errors see Handling Problems Creating and Printing a Packing Slip Once you ve successfully processed a sale you can generate and print a packing slip to enclose with the shipment To cre
6. address There s an error with this transaction Please enter a city in the billing address There s an error with this transaction Please enter your state in the billing address There s an error with this transaction Please enter your five digit postal code in the billing address There s an error with this transaction Please enter a country in the billing address There s an error with this transaction Please enter a country in the billing address There s an error with this transaction Please enter a valid billing address There s an error with this transaction Please enter a valid state in the billing address There s an error with this transaction Please enter your five digit postal code in the billing address There s an error with this transaction Please enter your five digit postal code in the billing address Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tel
7. address click the Add an Email Address link to add an administrative email address Note If you add a new email address you need to confirm it before selecting it 5 After selecting an administrative email address click Continue storereparttsi yahoo com v Add an Email Address Continue Note All email notifications regarding secondary users access to the account are sent to the administrative email address PayPal recommends that you select an administrative email address that is not used to receive payments 6 On the Multi User Access Current Users page click Add Users 7 On the Add Users page enter the user s name user ID and password in the appropriate fields 8 Select the Virtual Terminal checkbox at the bottom of the page and then click Save The employee is added to your account as a secondary user with permission to use Virtual Terminal Revoking Access to Virtual Terminal You might need to revoke an employee s access to Virtual Terminal for security reasons July 2005 15 16 Setting Up Virtual Terminal Revoking Access to Virtual Terminal To revoke access to Virtual Terminal 1 Log in to your PayPal account at https www paypal com 2 Click the Profile tab 3 4 5 In the Account Information column click the Multi User Access link Select the user whose access you wish to revoke and then click Edit On the Change Multi User Access page deselect Virtua
8. enter a valid address 1 in the billing address There s an error with this transaction Please enter a valid address2 in the billing address There s an error with this transaction Please enter a valid city in the billing address There s an error with this transaction Please enter a valid state in the billing address There s an error with this transaction Please enter your five digit postal code in the billing address There s an error with this transaction Please enter a valid country in the billing address There s an error with this transaction Please enter a complete billing address Corrective Action The merchant attempted a transaction where the amount exceeded the upper limit for that merchant The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS returned a no match AVS N The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS returned a partial match The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS was unsupported The billing address entered is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the add
9. invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid 46 July 2005 Website Payments Pro Integration Guide Direct Payment API Error Codes Short Message and Long Messages TABLE A 1 Direct Payment API Errors Direct Payment API Errors Error Code 10728 10728 10729 10730 10731 10731 10732 10733 10734 10735 10736 Short Message Invalid Data Invalid Data Inval
10. is required for this merchant The credit card field was blank The total amount and item amounts do not match The credit card entered is invalid None this is a PayPal internal error The merchant entered a amount of zero The currency code entered is not supported The credit card entered is invalid The credit card entered is currently restricted by PayPal Contact PayPal for more information The credit card entered is invalid The merchant entered an invoice ID that is already associated with a transaction by the same merchant By default the invoice ID must be unique for all transactions To change this setting log into PayPal or contact customer service The transaction was declined by the country filter managed by the merchant To accept this transaction change your risk settings on PayPal July 2005 Website Payments Pro Integration Guide Direct Payment API Error Codes Short Message and Long Messages TABLE A 1 Direct Payment API Errors Direct Payment API Errors Error Code 10538 10539 10540 10541 10542 10544 10545 10546 10547 10548 10549 10550 10552 Short Message Filter Decline Filter Decline Invalid Data Gateway Decline Invalid Data Gateway Decline Gateway Decline Gateway Decline Internal Error Invalid Configuration Invalid Configuration Invalid Configuration Invalid Configuration Long Message This transaction
11. long error message will tell you what field is invalid The merchant entered an IP address that was in an invalid format The IP address must be in a format such as 123 456 123 456 The merchant s configuration requires a CVV to be entered but no CVV was provided with this transaction Contact PayPal if you wish to change this setting There was a problem with a particular field in the address The long error message will tell you what field is invalid The merchant provided an address either in the United States or Canada but the state provided is not a valid state in either country The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by PayPal Contact PayPal for more information The currency code entered by the merchant is not supported None this is a PayPal internal error The API username or password is incorrect for this merchant 48 July 2005 Website Payments Pro Integration Guide Direct Payment API Error Codes Short Message and Long Messages TABLE A 1 Direct Payment API Errors Direct Payment API Errors Error Code 10759 10760 10761 10762 10763 15001 15002 15003 15004 15005 15006 15007 Short Message Gateway Decline Invalid Configuration Gateway Decline Gateway Decline Invalid Data Gateway Decline Gateway Decline Invalid Configuration Gateway Decline
12. receiving payment Log in to your PayPal account at https www paypal com Click the History subtab Find the payment you would like to refund Click Details to open the Transaction Details page 1 2 3 4 5 Click Refund Payment on the Transaction Details page 6 Enter the refund amount and click Submit 7 Confirm the refund amount and click Submit N OTE The original transaction fee is credited back to you when you perform a refund within 60 days of receiving payment If you perform a partial refund a portion of the transaction fee will be credited back to you July 2005 31 ral Capturing Voiding and Refunding on www paypal com Processing a Refund To send a refund after 60 days of receiving payment 1 Log in to your PayPal account at https www paypal com Click the Send Money tab 2 3 Enter the required information 4 Click Continue 5 Review the information on the confirmation page and click Send Money to complete your transaction 32 July 2005 Withdrawing Funds There are two methods for withdrawing the funds associated with your Virtual Terminal transactions e Requesting an Electronic Funds Transfer e Withdrawing Funds by Check Each of these methods require that you have a bank account associated with your PayPal account Adding a Bank Account To add a bank account 1 Log in to your PayPal account at https www paypal com 2 Click the Add bank a
13. transaction was rejected by PayPal because of excessive failures over a short period of time for this credit card Contact PayPal for more information The transaction was declined by PayPal Contact PayPal for more information The transaction was declined because the merchant does not have a valid commercial entity agreement on file with PayPal Contact PayPal for more information The transaction was declined because the CVV entered does not match the credit card The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by the issuing bank because of an expired credit card The merchant should attempt another card Website Payments Pro Integration Guide July 2005 49 ae Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors 50 July 2005 Website Payments Pro Integration Guide
14. PayPal Virtual Terminal User Guide For Professional Use Only Currently only available in English A usage Professional Uniquement Disponible en Anglais uniquement pour l instant Last Updated July 2005 PayPal Virtual Terminal User Guide 2006 PayPal Inc All rights reserved PayPal and the PayPal logo are registered trademarks of PayPal Inc Other trademarks and brands are the property of their respective owners The information in this document belongs to PayPal Inc It may not be used reproduced or disclosed without the written approval of PayPal Inc PayPal Europe Ltd is authorised and regulated by the Financial Services Authority in the United Kingdom as an electronic money institution PayPal FSA Register Number 226056 Notice of non liability PayPal Inc is providing the information in this document to you AS IS with all faults PayPal Inc makes no warranties of any kind whether express implied or statutory with respect to the information contained herein PayPal Inc assumes no liability for damages whether direct or indirect caused by errors or omissions or resulting from the use of this document or the information contained in this document or resulting from the application or use of the product or service described herein PayPal Inc reserves the right to make changes to any information herein without further notice PayPal Inc does not guarantee that the features described in this document will be anno
15. SD i A Sa 4 Enter the requested information on the Withdraw Funds by Check page 5 Click the Continue button Note Please allow 1 2 weeks to receive your check If you have not received your check after 14 business days contact PayPal Customer Service July 2005 35 36 Withdrawing Funds Withdrawing Funds by Check July 2005 Troubleshooting Solutions to Problems Accessing Virtual Terminal Problem Your account is ineligible to use Virtual Terminal Please contact customer service Your account must be a Business account to use Virtual Terminal Please contact customer service Your account is restricted and you do not have permission to use Virtual Terminal Please contact customer service No billing agreement found for your account Log in to PayPal to check your billing agreement or contact customer service Possible Solution This error appears if you have an international PayPal account Virtual Terminal is currently available for U S PayPal account holders only This error appears if you attempt to access Virtual Terminal with a Personal account In order to use Virtual Terminal you need to upgrade to a Business account For more information see Upgrading to a Business Account This error appears if your account is restricted Restricted account holders are not eligible for Virtual Terminal If you have questions about your account status contact Customer Service at https www pa
16. action could not be completed Please try again Possible Solution This error appears when the address in the Billing Information section of the order entry form does not match the Card Verification Number CVN on file with the credit card issuer Check each of these fields and then try processing the transaction again For Visa and MasterCard the three digit CVN is printed on the panel on the back of the card immediately after the card s account number For American Express the four digit CVN is printed on the front of the card above the card account number To use Virtual Terminal you must accept the online Billing Agreement at https www paypal com vt This error appears when you attempt to process a transaction from a customer in a country that has been banned by your Risk Control Country Monitor setting If you still want to process the transaction change your Risk Control Country Monitor setting This error appears when you attempt to process a transaction that exceeds the maximum amount identified in your Risk Control Maximum Amount setting If you still want to process the transaction change your Risk Control Maximum Amount setting This error appears when a credit card transaction fails Credit cards are refused for a variety of reasons If possible ask the customer if he d like to pay with a different card This error appears when you enter a number that is already associated with a different Virtual Terminal transact
17. al because of possible fraudulent activity on the IP address Contact PayPal for more information None this is a PayPal internal error The merchant account attempting the transaction is not a business account at PayPal Check your account settings The merchant account attempting the transaction is not able to process Direct Payment transactions Contact PayPal for more information Access to Direct Payment was disabled for your account Contact PayPal for more information The merchant account attempting the transaction does not have a confirmed email address with PayPal Check your account settings Website Payments Pro Integration Guide July 2005 43 44 Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors TABLE A 1 Direct Payment API Errors Error Code 10553 10554 10555 10556 10701 10702 10703 10704 10705 10706 10707 10708 Short Message Gateway Decline Filter Decline Filter Decline Filter Decline Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Long Message This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed There s an error with this transaction Please enter a valid billing address There s an error with this transaction Please
18. alid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Website Payments Pro Integration Guide July 2005 47 TABLE A 1 Direct Payment API Errors Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors Error Code 10744 10745 10746 10747 10748 10750 10751 10752 10754 10755 10756 10758 Short Message Invalid Data Invalid Data In
19. ate and print a packing slip 1 At the bottom of the Transaction Details page click Create Printable Packing Slip 2 Verify that all the information on the packing slip is correct If you need to make changes click Edit 3 When you re done making any changes click Print July 2005 Virtual Terminal User Guide Using Virtual Terminal ia Handling Problems Handling Problems If a transaction is unsuccessful PayPal displays an error message which can include an AVS response code and a reference number for PayPal Customer Service The following is an example of a reference number FIGURE 3 1 Example of Problem Reference Number During Order Processing My Account Send Money Request Money Merchant Services Auction Tools A The transaction could not be completed Please try again AVS X Addis bale Zip CV M Pass Reference Virtual Terminal Order Entry Form Secure Transaction E Please enter the following information and then click Review Transaction View Product Details Order Details Net Order Amount 412 00 Card Verification Value Responses One possible problem in processing a transaction is that the Card Verification Value fails to match In this case PayPal displays the CVV response N and the transaction fails If the reponse is other than N Paypal does not reject the transaction TABLE 3 4 CVV Response Codes CVV Code Meaning Matched Details M Match CVV number itself
20. bmit Direct Payment has been disabled on this account Transaction has not been processed The address is invalid Check the address and try again Possible Solution This error appears when a credit card is refused Credit cards are refused for a variety of reasons If possible ask the customer if he d like to pay with different card There are a variety of possible causes for this error If possible ask the customer if he d like to pay with different card PayPal risk and fraud protection has determined that the transaction could be unsafe for you If possible ask the customer if he d like to pay with different card This error will rarely if ever occur Contact PayPal Customer Service at https www paypal com us cgi bin webscr cmd contact_us Double check that the billing address you entered is correct If necessary contact the customer for the correct address July 2005 39 i Troubleshooting Solutions to Problems with Transactions 40 July 2005 Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors TABLE A 1 Direct Payment API Errors Error Short Code Message 10500 Invalid Configuration 10501 Invalid Configuration 10502 Invalid Data 10504 Invalid Data 10505 Gateway Decline 10507 Invalid Configuration 10508 Invalid Data 10509 Invalid Data 10510 Invalid Data 10511 Invalid Data Long Message This transaction cannot be processe
21. cannot be processed This transaction cannot be processed The transaction cannot be processed due to an invalid address This transaction cannot be processed Please enter a valid credit card number and type This transaction cannot be processed Please enter a valid email address This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed The merchant s accouht is not able to process transactions This transaction cannot be processed The merchant s account is not able to process transactions This transaction cannot be processed This transaction cannot be processed Corrective Action The transaction was declined by the maximum amount filter managed by the merchant To accept this transaction change your risk settings on PayPal The transaction was declined by PayPal Contact PayPal for more information The transaction was declined by PayPal because of an invalid address The credit card entered is currently restricted by PayPal Contact PayPal for more information The email address provided by the buyer is in an invalid format The transaction was declined by PayPal Contact PayPal for more information The transaction was declined by PayPal because of possible fraudulent activity Contact PayPal for more information The transaction was declined by PayP
22. ccount link in the Activate Account box Activate Account Confirm email Add credit card f Add bank 0 3 Fill out the Add Bank Account form and then click Add Bank Account Add ARE Norte You must confirm your bank account before you can add funds to your PayPal account PayPal automatically sends two deposits to bank account you ve added The amount of each deposit is between 0 01 USD and 0 99 USD and usually appears in your account in 2 3 business days July 2005 33 Withdrawing Funds Requesting an Electronic Funds Transfer 4 Once you have received the two deposits log in to your PayPal account and then click the Confirm Bank Account link in the Activate Account box Activate Account Confirm email Add credit card im Confirm Bank lt a 5 Enter the deposit amounts on the Confirm Bank Account page and then click Submit Deposit Amounts 0 02 USD two digits 0 03 USD two digits This process confirms that you are the owner of this bank account because only you have access to the deposit amounts sent by PayPal Ge Once you ve confirmed your bank account you can access your funds by requesting an electronic funds transfer or a check Requesting an Electronic Funds Transfer If you have a confirmed bank account associated with your PayPal account you can withdraw funds from your PayPal account by requesting an electronic funds transfer To request an electronic fun
23. code tells you about the success of the CVV check For details about what the codes mean see Card Verification Value Responses on page 21 Address Verification System AVS is the Address Verification System used primarily in the U S and Canada with some limited use in other countries AVS matches the number portions of the customer s known billing address on file at the cardholder s issuing bank against the billing address you enter in Virtual Terminal If the information does not match the transaction is declined Virtual Terminal User Guide July 2005 17 Using Virtual Terminal Processing a Virtual Terminal Order When you finish entering an order in Virtual Terminal AVS matching happens behind the scenes Virtual Terminal displays an AVS response code to you The code tells you what part of the entered customer s billing address was matched by AVS For details about what the codes mean see Address Verification System Responses on page 22 Processing a Virtual Terminal Order This section details how to use Virtual Terminal to process an order and how to handle possible errors Your account settings determine which fields are required and which are optional This section might not reflect your exact account settings because those settings can vary from account to account Entering Order Details To complete the Order Details section of the order entry form 1 Select the currency of the transaction The defau
24. d due to an invalid merchant configuration This transaction cannot be processed due to an invalid merchant configuration This transaction cannot be processed Please use a valid credit card This transaction cannot be processed Please enter a valid Credit Card Verification Number This transaction cannot be processed This transaction cannot be processed Please contact PayPal Customer Service This transaction cannot be processed Please enter a valid credit card expiration date This transaction cannot be processed The credit card type is not supported Try another card type This transaction cannot be processed Corrective Action Occurs when you have not agreed to the billing agreement Occurs when the billing agreement is disabled or inactive The credit card used is expired The CVV provide is invalid The CVV is between 3 4 digits long The transaction was refused because the AVS response returned the value of N and the merchant account is not able to accept such transactions Your PayPal account is restricted contact PayPal for more information The expiration date must be a two digit month and four digit year You must submit an IP address of the buyer with each API call The credit card type entered is not currently supported by PayPal The merchant selected an value for the PaymentAction field that is not supported Website Payments Pro Integration Guide July 2005 41
25. ds transfer 1 Log in to your PayPal account at https www paypal com 2 Click the Withdraw subtab My Account Send Money Request Money Merchant Services Auction Tools Overview AddFunds Withdraw History Resolution Center Profile Business Account Overview United States 3 Click the Transfer funds to your bank account link Options Processing Time Cost 3 4 Business Days E Free 1 2 Weeks 1 50 USD 4 Choose the bank account to which you would like to withdraw the funds to enter the amount and then click Continue 34 July 2005 Withdrawing Funds ET Withdrawing Funds by Check 5 Review the details of your transaction and then click Submit The funds should appear in your bank account balance in 3 4 business days Withdrawing Funds by Check If you have a confirmed bank account associated with your PayPal account you can withdraw funds from your PayPal account by requesting an check NoTE PayPal charges 1 50 per check for this service 1 Log in to your PayPal account at https www paypal com 2 Click the Withdraw subtab My Account Send Money Request Money Merchant Services Auction Tools Overview AddFunds Withdraw History Resolution Center Profile Business Account Overview United States 3 Click the Request a check from PayPal link Options Processing Time Cost Transfer funds to your bank account 3 4 Business Days E Free Request a check from PayPal 1 2 Weeks 1 50 U
26. e transaction now but collect the payment a later time To learn more about this option see Capturing A Single Authorization on page 29 6 If you want to provide more details about the transaction for future reference enter the appropriate information in the optional Item Name Service and Order Number as shown below IMPORTANT The Order Number must be unique PayPal rejects a transaction if the order number has already been recorded for you from a different transaction Item Name Service Tod s Shops optional 2222 Order Number 1132453 optional Entering Billing Information Be sure to inform your customers that the billing information they provide must exactly match the billing information on their credit card statement To complete the Billing Information section of the order entry form 1 Optional Select the country from the Country menu if the card was not issued in the U S 2 Enter the cardholder s first and last name in the associated fields 3 Select the card type from the menu Card Type NoTE Virtual Terminal accepts Visa MasterCard Discover and American Express cards 4 Select the expiration date 5 Enter the Card Verification Number Note For Visa MasterCard and Discover this three digit number is printed on the back of the card after the card number For American Express this four digit number is printed on the front of the card above the card number Virtual Terminal User Guide July
27. horization From Joseph Evans Aug 27 2010 Pending Details Capt Capture 0 00 USD TE 3 On the displayed page click Batch Capture in the introductory paragraph Capture Funds Enter the capture details below to move funds from your buyer s account to your account To capture multiple transactions at once use Batch a tool Authorization ID 86705136628309319 4 On the displayed page either use the pull down menu to choose a defined date or date range or enter a specific date range in the provided fields Batch Capture Specify a date range and click Search to view transactions that can be captured View your completed captures in Batch Capture Reports Show Transactions C Period Show Al i pema 1 UMSS i E E Month Day Year Month Day Year Sear h A 5 On the displayed page check the authorizations you want to capture set their capture amount choose whether you will make an additional capture later and optionally enter a note to the buyer Pending Authorizations from Aug 27 2010 to Aug 27 2010 Fonte econ OS peta Se Ao note ta er Aug 27 2010 FAS 10 00 USD 625 ves Vv Bre 2010 gusseessasaaez0e D a USD 10 00 No Vv age wee 2010 gusressaunssesi0v lero USD fom No f Vv Site 295 2010 poe 10 00 USD 10 00 No y m Aug 27 2010 phtasaesamos207200 10 00 USD 10 00 No m Aug 27 2010 3WP423894H094101E Joseph Evans 10 00 USD 10 00 No
28. id Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Long Message There s an error with this transaction Please enter a city in the shipping address There s an error with this transaction Please enter a city in the shipping address There s an error with this transaction Please enter your state in the shipping address There s an error with this transaction Please enter your five digit postal code in the shipping address There s an error with this transaction Please enter a country in the shipping address There s an error with this transaction Please enter a country in the shipping address There s an error with this transaction Please enter a valid shipping address There s an error with this transaction Please enter a valid state in the shipping address There s an error with this transaction Please enter your five digit postal code in the shipping address There s an error with this transaction Please enter your five digit postal code in the shipping address There s an error with this transaction Please enter a valid city and state in the shipping address Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is inv
29. inal Depending on how you plan to use Virtual Terminal you may want to make a few changes before you begin processing payments Confirming Contact Information Before you start using Virtual Terminal verify that your business contact information is correct and complete Correct information in your Profile ensures that customers can contact you about their purchases and that PayPal can contact you if necessary To verify your business information 1 Log in to your PayPal account at https www paypal com 2 Click the Profile suhtah My Account Send Money Request Money Merchant Services Auction Tools Overview AddFunds Withdraw History Resolution Center Profile 3 In the Account Information column click the Business Information link Account Information Email Street Address Phone Password Notifications Time Zone Multi User Access API Access Business Information Close 46 _bunt 4 Click Edit 5 Enter your updated information Make sure that at least the following information is correct July 2005 11 12 Setting Up Virtual Terminal Adding an Extended Credit Card Name e Your Customer Service email address It is included in email from PayPal to your customers e Your Customer Service phone number It is printed on customers credit card statements 6 Click Save Adding an Extended Credit Card Name The extended credit card name is the business name that appears on your customers credi
30. ion in the Order Number field Change the order number and try processing the transaction again This error appears when the credit card number the customer has provided is associated with an expired card If possible ask the customer if he d like to pay with different card This error appears when a credit card number does not match the number on file with credit card issuer Verify that the number you ve entered in the Card Number field is correct If the number is correct you may wish to ask the customer if he d like to pay with different card This error appears when the address in the Billing Information section of the order entry form does not match the information on file with the credit card issuer Verify that the address you ve entered in the Billing Information section is correct and then make another attempt to process the transaction This error appears when the transaction could not be completed for technical reasons If you receive this error you may want to wait a few minutes and then make another attempt to process the transaction July 2005 Troubleshooting Solutions to Problems with Transactions Problem The transaction was refused Try another card Transaction failed Please try again The transaction was refused as a result of the PayPal Risk Model Setting The transaction was refused because the amount totals of the order do not match Review the amount s transaction amount and resu
31. k at the top of any PayPal page July 2005 Applying For Virtual Terminal Applying for a Business Account 2 Select the Business radio button Business Account The right choice for your online business Accept all payment types for low fees Do business under a company or group name Learn More Select the country in which you live United States Coptinue 3 Click Continue 4 Enter your business information and then click Continue 5 Check your email inbox for PayPal s confirmation email 6 Click the link to activate your account 7 Enter your password and click Confirm Enter Password Please enter your PayPal password to confirm your email address iaa s000000000 __ Forget your password NeW For your security Confirm 8 To add a bank account to your PayPal account click Continue and follow the on screen instructions Otherwise click Skip 9 Enter your business information and then click Submit or click Go To My Account 10 Apply for Virtual Terminal at https www paypal com vt July 2005 Applying For Virtual Terminal ia Upgrading to a Business Account Upgrading to a Business Account If you do not have a Business account you need to upgrade your account before applying to Virtual Terminal To upgrade to a Business account 1 Log in to your PayPal account at https www paypal com 2 Click the My Account tab 3 Click the Upgrade Account link in
32. l Terminal and then click Save The selected user s access to Virtual Terminal is revoked July 2005 Using Virtual Terminal Accessing Virtual Terminal After you ve been approved for Virtual Terminal you can access Virtual Terminal at the following location https www paypal com vt If Virtual Terminal has been inactive for 10 minutes you are automatically logged out A reminder appears after 5 minutes of inactivity If you want to continue using Virtual Terminal click Yes How Virtual Terminal Enforces Your Security When you process an order with Virtual Terminal PayPal verifies the customer credit card and billing address to ensure your payment by attempting to prevent credit card fraud PayPal uses two important mechanisms to verify the information CVV and AVS Card Verification Value CVV or Card Verification Value is an anti fraud security feature to help verify that the person using the credit card physically posseses the card When you process an order in Virtual Terminal you enter the cards CVV e For Visa and MasterCard the three digit CVN is printed on the back of the card immediately after the card s account number e For American Express the four digit CVV is printed on the front of the card above the card s account number When you finish entering an order in Virtual Terminal the CVV you entered is checked behind the scene Virtual Terminal displays a CVV response code to you The
33. l you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Website Payments Pro Integration Guide July 2005 45 TABLE A 1 Direct Payment API Errors Direct Payment API Error Codes Short Message and Long Messages Direct Payment API Errors Error Code 10718 10719 10720 10721 10722 10723 10724 10725 10726 10726 10727 10727 Short Message Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Long Message There s an error with this transaction Please en
34. le Not applicable None NOTE The transaction is declined Postal Code only no Address Not applicable Not applicable 22 July 2005 Virtual Terminal User Guide Using Virtual Terminal i Handling Problems TABLE 3 5 AVS Responses AVS Code Meaning Matched Details U Unavailable Not applicable W Whole ZIP Nine digit ZIP code no Address x Exact match Address and nine digit ZIP code Y Yes Address and five digit ZIP Z ZIP Five digit ZIP code no Address All Error Not applicable others Virtual Terminal User Guide July 2005 23 ie Using Virtual Terminal Handling Problems 24 July 2005 Virtual Terminal User Guide Using Virtual Terminal i Handling Problems Virtual Terminal User Guide July 2005 25 ie Using Virtual Terminal Handling Problems 26 July 2005 Virtual Terminal User Guide Using Virtual Terminal i Handling Problems Virtual Terminal User Guide July 2005 27 ie Using Virtual Terminal Handling Problems 28 July 2005 Virtual Terminal User Guide Capturing Voiding and Refunding on www paypal com This chapter describes how to use https www paypal com to capture an authorization how to void an authorization and how to refund a transaction You can do these functions by way of your transaction history To view your transaction history 1 Log in to your PayPal account at https www paypal com 2 Click the History subtab My Account Send Money Request Money Merchan
35. licy announcements tOrders processed through Virtual Terminal do not show up in the buyer s account history ee Granting Secondary Access to Virtual Terminal By default Virtual Terminal is set up to process transactions initiated by a single user If you want to provide your employees the ability to process transactions using Virtual Terminal you need to add them to your account as secondary users and then grant them permission to use Virtual Terminal through PayPal s Multi User Access feature Multi User Access enables you to grant multiple secondary users various levels of access to a single PayPal account NOTE Secondary users do not have full access to all features of your PayPal account The account owner is the only member on the account that can change the secondary users access privileges You can add up to 200 secondary users to your PayPal account To grant an employee access to Virtual Terminal 1 Log in to your PayPal account at https www paypal com 2 Click the Profile tab July 2005 Setting Up Virtual Terminal Revoking Access to Virtual Terminal 3 In the Account Information column click the Multi User Access link Account Information Email Street Address Phone Password Notifications Time Zone peri Access API Achyss Business Information Close Account 4 On the Multi User Access Current Users page select an administrative email address If your PayPal account only has one email
36. lip 0 o eee 20 Handling Problems s ss s e row saaa moa ko a a a a E E a 21 Card Verification Value Responses o 21 Address Verification System Responses e eee 22 July 2005 fn Contents Chapter Chapter Chapter 4 Capturing Voiding and Refunding on www paypal com 29 Capturing A Single Authorization 2 aaa e 29 Batch Capturing Multiple Authorizations 2 2 o e e 29 Voiding an Authorization 2 o e e 31 Processing a Relund O A a A A A aaa a ae 31 5 Withdrawing Funds aaa aaas 33 Adding a Bank Account 33 Requesting an Electronic Funds Transfer o a 34 Withdrawing Funds by Check 2 2 ee 35 6 Troubleshooting 2 2228 2 ee eee ee Ol Solutions to Problems Accessing Virtual Terminal o 37 Solutions to Problems with Transactions 0 o e ee 37 Direct Payment API Errors 2 a 41 July 2005 Preface This Document This release of Virtual Terminal User Guide a document that describes Virtual Terminal a PayPal hosted online payment form that enables merchants to accept phone fax mail and in person orders for all major credit cards replaces the version published in November 2005 Intended Audience This document is written for U S merchants who have a PayPal Business account Notational Conven
37. lt selection is U S Dollars 2 Enter the amount of the item before shipping and tax in the Net Order Amount field 3 Enter the shipping amount in the Shipping field If you want to include shipping in your taxable amount select the Apply tax to shipping checkbox 4 Enter the tax rate for the transaction in the Tax Rate field The tax amount and total are automatically calculated as shown below Order Details Currency Jus Dollars E Net Order Amount 510 Shipping 8 35 T Apply tax to shipping Tax Rate 6 000 96 Tax Amount 600 5 Select either Sale or Auth from the Transaction Type menu Sale Transaction Type e Sale is a straightforward request to process a credit card payment instantly This option is commonly used by small and medium size merchants July 2005 Virtual Terminal User Guide Using Virtual Terminal ia Processing a Virtual Terminal Order e Auth is the first part of a two step settlement solution primarily used by large merchants who require greater flexibility in obtaining payments from their buyers The first step authorization sends a request to verify that the credit card has sufficient funds If sufficient funds are available the second step is to manually capture the funds This process allows you to modify the order amount to reflect changes that occur after the initial order is placed such as taxes shipping or item availability Use this option if you wish to initiate th
38. ress The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid July 2005 Website Payments Pro Integration Guide Direct Payment API Error Codes Short Message and Long Messages TABLE A 1 Direct Payment API Errors Direct Payment API Errors Error Code 10709 10709 10710 10710 10711 10712 10713 10713 10714 10715 10716 10717 Short Message Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Invalid Data Long Message There s an error with this transaction Please enter an address 1 in the billing address There s an error with this transaction Please enter an address1 in the billing address There s an error with this transaction Please enter a city in the billing
39. rminal User Guide TABLE P 3 Revision History Date Description July 2005 Updated for multiple currency support December 2005 Removed erroneous description of a non existent description field on the Virtual Terminal order form entry page 6 July 2005 Applying For Virtual Terminal PayPal s Virtual Terminal provides your business with the same functionality as a stand alone credit card processing terminal With a computer and an internet connection you can use Virtual Terminal to accept phone fax mail and in person orders for all major credit cards You can use Virtual Terminal on any computer with an internet connection and a web browser For best performance use Internet Explorer 6 0 Netscape Navigator 7 0 or FireFox 1 0 Note Virtual Terminal supports payments only in US dollars USD at this time PayPal s Seller Protection Policy does not apply to transactions processed using Virtual Terminal Virtual Terminal Application Form To use Virtual Terminal you must have a PayPal Business account If you already have a Business account complete the online Virtual Terminal application at the following location https www paypal com vt You ll receive an email confirmation within two to three business days Once you review and approve the online Billing Agreement you 1l be able to access Virtual Terminal Applying for a Business Account To apply for a Business account 1 Click the Sign Up lin
40. t card statements along with the amount of the Virtual Terminal transaction IMPORTANT One major cause of customer disputes and chargebacks is a confusing name on their credit card statements Adding an extended credit card name to your PayPal account reduces chargebacks and customer confusion The name can be up to 19 characters long including spaces and cannot contain special characters such as amp or _ The name is printed in ALL CAPS on statements and might be truncated by some credit card processors To set up your extended credit card name 1 Log in to your PayPal account at https www paypal com 2 Click the Profile subtab My Account Send Money Overview AddFunds Withdraw 3 In the Selling Preferences column click the Payment Receiving Preferences link Selling Preferences Auctions Sales Tax Shipping Calculations Shipping Preferences USPS Preferences UPS Preferences Payment Receiving Preferences nat i Payment Notification Preferences Merchant Services Resolution Center Setting Up Virtual Terminal ia Enabling the Optional Buyer Email Receipt 4 Enter your business name as you want it to appear on your customers credit card statements in the Extended Credit Card Statement Name text field Credit Card Statement Name FANCY SHOES 11 Character Maximum Extended Credit Card Statement Name FANCY SHOE SHOP 09 Character Manimuin Caneel X NoTE The firs
41. t Services Auction Tools Overview AddFunds Withdraw History Resolution Center Profile Business Account Overview United States Capturing A Single Authorization If you have authorized a transaction you need to capture the funds in order to receive payment Note PayPal recommends that you capture payments within three days of the original authorization To initiate a capture 1 Go to the History of your account on https www paypal com 2 Click the Capture button associated with the transaction 3 Review the information on the Capture Funds page input the amount to capture and then click Capture Funds The funds are transferred to your account Batch Capturing Multiple Authorizations On https www paypal com you can initiate the capture an entire group of authorized transactions at the same time This feature is known as batch capture To capture a batch of authorized transactions 1 Go to the History of your account on https www paypal com July 2005 29 Capturing Voiding and Refunding on www paypal com Batch Capturing Multiple Authorizations 2 Click the Capture button associated with any transaction Recent Activity All Activity Your Recent Activity displays the last day of account activity File Type To From Name Email Phone Date Status Details Action Amount Fee M Authorization From Joseph Evans 4ug 27 2010 Pending Details ao 10 00 USD tay Ma TT Aut
42. t credit card statement name shown above FANCY SHOES is the business name that appears on customers credit card statements for PayPal transactions in which the customers pays online either on eBay or on your own site This 11 character credit card statement name is prepended with the word PAYPAL PAYPAL FANCY SHOES Enabling the Optional Buyer Email Receipt If you want to send your buyers an email receipt you need to include a valid customer email address in the optional Email Address field on the Virtual Terminal Order Entry Form To automatically send your buyers an email receipt each time you process a Virtual Terminal transaction 1 Log in to your PayPal account at https www paypal com 2 Click the Profile tab 3 In the Account Information column click the Notifications link Account Information Email Street Address Phone Password Notifications rien Tare Multi User Access API Access Business Information Close Account July 2005 13 14 Setting Up Virtual Terminal Granting Secondary Access to Virtual Terminal 4 In the Buyer Notifications section select I process a successful Virtual Terminal transaction and then click Save Buyer Notifications Send my buyers an email receipt when MI process a successful Virtual Terminal transactiont Notification Format I would like to receive Emails in HTML format PayPal reserves the right to contact our users regarding important product or po
43. ter a valid city and state in the billing address There s an error with this transaction Please enter a valid shipping address There s an error with this transaction Please enter a valid address 1 in the shipping address There s an error with this transaction Please enter a valid address2 in the shipping address There s an error with this transaction Please enter a valid city in the shipping address There s an error with this transaction Please enter a valid state in the shipping address There s an error with this transaction Please enter your five digit postal code in the shipping address There s an error with this transaction Please enter a valid country in the shipping address There s an error with this transaction Please enter a complete shipping address There s an error with this transaction Please enter a complete shipping address There s an error with this transaction Please enter an address 1 in the shipping address There s an error with this transaction Please enter an address 1 in the shipping address Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is
44. the Enhance Account box Enhance Account Get Verified a a Money Market PayPal Buyer Credit ATM Debit Card 4 On the Upgrade Your Account page click Upgrade Now 5 On the Choose a Name to Do Business As page select Business Account and then click Continue Choose a Name to Do Business As You re almost done upgrading your account The name on your Premier or Business Account can be either an entity or an individual Do business under my name Premier Account Do business under my company or group s name Business Account View the User Agreement EE 6 On the Upgrade to a Business Account page fill in your business information and then click Save 7 Apply for Virtual Terminal at https www paypal com vt July 2005 9 a Applying For Virtual Terminal Discontinuing Virtual Terminal Discontinuing Virtual Terminal To disable Virtual Terminal you must cancel your Merchant Services Billing Agreement If you cancel your Billing Agreement your access to the Direct Payment API and Risk Controls are also disabled To cancel your Merchant Services Billing Agreement and disable Virtual Terminal 1 Log in to your PayPal account at https www paypal com Click the My Account tab and then click the Profile subtab 2 3 In the Financial Information column click the PayPal Monthly Billing link 4 Click Cancel Agreement 5 Click Cancel Agreement again 10 July 2005 Setting Up Virtual Term
45. tions This document uses typefaces to identify the characteristics of text These typefaces and the characteristics they imply are described below TABLE P 1 Typeface How Used Serif italic A term being discussed or defined For example A file is a readable or writable stream of characters Serif bold User interface names such as window names or menu selections For example On the Profile page click Email to confirm your email address To convey additional information this document may also apply color and underlining to words or phrases that use the typefaces described above Such use is described below TABLE P 2 Text attribute How Used link Hypertext link to a page in the current document or to another document in the set July 2005 Documentation Problems Documentation Problems If you discover any errors in or have any problems with this documentation please email us by following the instructions below Describe the error or problem as completely as possible and give us the document title the date of the document located at the foot of every page and the page number or page range To contact Customer Service about documentation problems 1 Go to https www paypal com Click Help in the upper left corner of the page 2 3 Click Contact Us in the lower left of the page 4 Choose Help by Email 5 Complete the form Revision History Revision history for PayPal Virtual Te
46. unced or made available to anyone in the future Contents This DOCUMENTS Au ota e BO Ve Oe we Ae Ae ow eee wa Ror ab Rw a 5 Intended Audience a 5 Notational Conventions 5 Documentation Problems ee ee 6 Revision HISTO s s 2 ges dee dl dale e A Wee A A AA es 6 Chapter 1 Applying For Virtual Terminal 7 Virtual Terminal Application Form aoa oaa ee 7 Applying for a Business Account 2 ee 7 Upgrading to a Business Account 2 0000 eee ee es 9 Discontinuing Virtual Terminal a aaa a 10 Chapter 2 Setting Up Virtual Terminal 11 Confirming Contact Information 2 oea a a 11 Adding an Extended Credit Card Name aoaaa a a 200 eee eee ee 12 Enabling the Optional Buyer Email Receipt oaa a a a 13 Granting Secondary Access to Virtual Terminal 14 Revoking Access to Virtual Terminal e o e 15 Chapter 3 Using Virtual Terminal 17 Accessing Virtual Terminal o 17 How Virtual Terminal Enforces Your Security 0 0000 eee 17 Card Verification Value 2 2 o e 17 Address Verification System o o ee 17 Processing a Virtual Terminal Order e 18 Entering Order Details ee 18 Entering Billing Information o o e 19 Creating and Printing a Packing S
47. valid Data Invalid Data Invalid Data Invalid Data Invalid Data Gateway Decline Gateway Decline Invalid Data Gateway Decline Invalid Configuration Long Message This transaction cannot be processed Please enter a valid country code in the billing address This transaction cannot be processed Please enter a valid country code in the shipping address This transaction cannot be processed Please use a valid country on the billing address This transaction cannot be processed This transaction cannot be processed without a Credit Card Verification number There s an error with this transaction Please enter a valid state in the shipping address There s an error with this transaction Please enter a valid state in the billing address This transaction cannot be processed This transaction cannot be processed This transaction cannot be processed due to an unsupported currency The transaction cannot be processed The country and billing address associated with this credit card do not match There s been an error due to invalid API username and or password Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The
48. ypal com us cgi bin webscr cmd _contact_us To use Virtual Terminal you must first accept the online Billing Agreement at https www paypal com vt Solutions to Problems with Transactionsl Problem Unable to authorize transaction Try another card Possible Solution This error appears when a credit card is refused Credit cards are refused for a variety of reasons If possible ask the customer if he d like to pay with different card July 2005 37 38 Troubleshooting Solutions to Problems with Transactions Problem Unable to process transaction because the billing address and the Card Verification Number did not match Verify the information you entered or try another card The transaction was refused because your billing agreement is inactive Log in to PayPal to check your billing agreement or contact customer service The transaction was refused as a result of your Risk Control Country Monitor Setting The transaction was refused as a result of your Risk Control Maximum Amount Setting The transaction failed Try another card The transaction was refused as a result of a duplicate order number supplied Try another order number The transaction failed because the credit card has expired Try another card The transaction failed as a result of an invalid credit card number Check the number or try another card The address is invalid Check the address and try again The trans
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