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Pre Approved Payment (PayPal)

Posted on 2013-02-07
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Last Modified: 2016-03-24
Hi, i am integrating PayPal Pre-Approved Payments into my website and i am struggling to find an answer to a query i have.

My users can make donations (pre approved pledges) to various Charity events, such as running a marathon. IF the marathon is ran, the API makes a call to processes all of the Pre Approved Payments (pledges), but what happens IF:
 
A - the donator does not have any funds in their PayPal account
 
B - the donator does not have any funds in their PayPal account but they have a credit card linked to their account
 
C - the donator does not have any funds in their PayPal account but they have a bank account linked to their account
 
Thanks in advance to any help you can give on this...
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Question by:oo7ml
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Expert Comment

by:Paul Sauvé
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When I use my PayPal account, money in the account is the first choice, then my bank account and, finally, my credit card.

If there is no linked bank account: money in the PayPal account, then the credit card.
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by:oo7ml
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Thanks Paul, but what i am asking is... what happens if you have 0 funds in your PayPal account and you do not have a bank account or credit card linked to it
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by:Paul Sauvé
Paul Sauvé earned 50 total points
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I may be mistaken, but you cannot use your Paypal account if there are no funds available.

But I understand that at the time of the pre-approved you may have the funds, but when the payment goes through, there are no funds available.

I would check with PayPal, but I think that you have to have at least one or the other of a bank account or credit card to open a PayPal account...
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Andrew Angell earned 450 total points
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The payment would simply fail and you would get an error back for that payment when you make the Pay call with that preapproval key.  

Preapproval does not guarantee funds will be available.  It simply allows you to submit payment requests on that person's behalf without further approval.  If they don't have funds and they don't have any backup funding sources available to cover it then it would just fail, and you would need to handle these accordingly within your solution.
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by:oo7ml
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@angelleye - thanks, thought this was how it works...
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