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PayPal

PayPal allows consumers to quickly complete an online payment using stored payment and shipping information.

Your consumers can make payments directly on your payment page by using their stored shipping address in PayPal. After consumers log into their PayPal account, they can make a payment by using their PayPal wallet balance, credit or debit cards, bank accounts, or “buy now, pay later” options, such as PayPal credit, pay in 3, or pay in 4 (if available). This gives consumers a wide range of payment options and makes for a faster checkout process.

Availability

PayPal availability
Payment method Payment type Consumer (country) Merchant (country) Presentment currency
PayPal Wallet Global AT, BE, CH, CY, CZ, DE, DK, ES, FI, FR, GB, GG, GI, IE, IM, IT, JE, LU, MT, NL, NO, PT, SE EUR, GBP, SEK, USD

Branding guidelines

For branding guidelines from PayPal, go here.

How PayPal works

In general, the PayPal payment process follows these steps:

  1. Your consumer selects PayPal as their preferred method of payment from your payment page.
  2. You initiate a POST request to the /payments endpoint to submit the payment to PayPal. Note: Ensure the paymentMethodType attribute is set to paypal.
  3. The Online Payments API returns the PayPal checkout redirect URL to you.
  4. You return the PayPal redirect URL to your consumer's browser.
  5. The consumer is automatically redirected to the PayPal hosted payment page for authentication and to grant payment approval.
  6. J.P. Morgan displays the confirmation of a successful transaction on the PayPal payment result page.
Tip

You are notified of the payment result through webhook notifications. To learn more, check out the Notifications API.

Settlement funding

Transaction funding will occur in the same currency as presentment. The settlement is conveyed and made directly by PayPal, not through J.P. Morgan.

Payment parameters

The following fields are required for PayPal transactions. All required fields must be included for a request to be successful, and optional (or non-required) fields add extra functionality to a request.

Required fields

  • amount
  • currency
  • merchant.merchantSoftware.companyName
  • merchant.merchantSoftware.productName
  • merchant.merchantSoftware.version
  • accountHolder.fullName
  • accountHolder.billingAddress.line1
  • accountHolder.billingAddress.postalCode
  • accountHolder.billingAddress.countryCode
  • paymentMethodType.redirectedPayment.merchantReturnUrl

Optional fields

The following additional fields are optional to get an order detail in the PayPal transaction:

  • retailAddenda.purchaseOrderNumber
  • retailAddenda.isTaxable
  • retailAddenda.taxAmount
  • retailAddenda.level3.lineItems.lineItemDescriptionText
  • retailAddenda.level3.lineItems.lineItemUnitQuantity
  • retailAddenda.level3.lineItems.taxInclusiveLineItemTotalAmount

The following additional fields are optional to receive a shipping detail in the PayPal transaction:

  • shipTo.fullName
  • shipTo.shippingAddress.line1
  • shipTo.shippingAddress.postalCode
  • shipTo.shippingAddress.countryCode
  • shipTo.shippingAddress.state
  • shipTo.shippingAddress.city
Tip

To support a guest shopping experience where you do not have access to the consumer's information, set the accountHolder.fullName to guest shopper and send your country code in accountHolder.billingAddress.countryCode.