Pre Approving A Payment

Hi, i currently have PayPal set up on my site for PreApproved payments.

I have an interesting stat built into my site that works out "the % of users who complete the sign up form and service form, select their membership payment amount and then click pay > which brings them to PayPal BUT THE USER DOES NOT PROCEED WITH PAYMENT" because i only offer PayPal. Unfortunately this % is too high for my liking and i am losing a lot of potential customers.

I have found out from a recent survey too that a lot of my users don't have or don't like using PayPal.

I need to use PreApproved payments (for reason i won't go into now) so is there any other service out there that will allow me to preappove a payment directly from a credit card.
oo7mlAsked:
Who is Participating?
I wear a lot of hats...

"The solutions and answers provided on Experts Exchange have been extremely helpful to me over the last few years. I wear a lot of hats - Developer, Database Administrator, Help Desk, etc., so I know a lot of things but not a lot about one thing. Experts Exchange gives me answers from people who do know a lot about one thing, in a easy to use platform." -Todd S.

Andrew AngellCo-Owner / DeveloperCommented:
If you sign up for PayPal Payments Pro that will allow you to process credit cards directly so buyers don't have any idea PayPal was involved.  You'd just add a form on your own site that they fill in directory to process the card.  When you do this you'll need to make sure you've got an SSL certificate on the site (https://) and that you're not storing any card data at all in your database or log files.

Once you have Pro enabled, you can run an Authorization or Sale for a credit card, and then in the future you can pass the transaction ID you get back from that along with a new amount into the DoReferenceTransaction API.  This will pull the billing info that PayPal has stored in their system and charge the new amount accordingly.

So you basically get the same thing (sort of) that preapproval profiles give you, but you do it with direct credit cards instead of redirecting through PayPal checkout pages.
0
Scott Fell, EE MVEDeveloper & EE ModeratorCommented:
You can set up paypal just like a traditional processor using "Pro" https://www.paypal.com/webapps/mpp/compare-business-products or you can get a traditional payment processor.   I would start with your bank.  

As you are shopping around for rates, make sure you take into account ALL rates and fees.  You may get a quote for "1.8% discount rate" from one source and 2.3% from another.  But when you add up all the fees, your net effective rates will be similar.   Rates over the internet (card not present) should hover around 3%.
0

Experts Exchange Solution brought to you by

Your issues matter to us.

Facing a tech roadblock? Get the help and guidance you need from experienced professionals who care. Ask your question anytime, anywhere, with no hassle.

Start your 7-day free trial
Andrew AngellCo-Owner / DeveloperCommented:
Let me know if you do decide to go with Pro.  It generally costs $30/mo but I can get that waived for you.  Also, depending on the volume you anticipate doing I may be able to get you setup at the 2.2% rate from day one.
0
Keep up with what's happening at Experts Exchange!

Sign up to receive Decoded, a new monthly digest with product updates, feature release info, continuing education opportunities, and more.

oo7mlAuthor Commented:
Thanks guys... BUT I've another huge problem :-) PayPal Pro is not available in Ireland...

@Angeleye - do you have any way or contacts in PayPal that can sort that :-)

I will have processed over 100 transactions this month (and lost many others) with a total of €6,000

I know it's very small money to them but surely they should be interested in helping me rather than loosing me as a customer.
0
Andrew AngellCo-Owner / DeveloperCommented:
Unfortunately, there's nothing I can do to get Pro for you in Ireland.  It's simply not available.  

If you find a standard merchant account in Ireland, though, they will most likely offer the same Reference Transactions feature.  They all do in my experience.  It's a common thing for merchant account providers to include.  

Then you could still leave PayPal with Preapproval for people who prefer to pay with PayPal and give the credit card option for the others.
0
oo7mlAuthor Commented:
Ok, it's available in the UK so I was thinking of changing the company address to an office over there... my server and majority of business is in the UK too

Would you see any problems with that approach
0
Andrew AngellCo-Owner / DeveloperCommented:
That should be fine.  As long as the PayPal account is based in the UK you can get Pro and use that account.  Unfortunately, I can't hook you up with the $0/mo and 2.2% rate for UK accounts, though.  :(
0
oo7mlAuthor Commented:
Ok no problem, thanks for the help... last question... what constitutes as a PayPal account based in the UK?
0
Andrew AngellCo-Owner / DeveloperCommented:
An account created with UK addresses and bank accounts, credit cards, etc.
0
oo7mlAuthor Commented:
Ok, that is not a problem, thanks, however does PayPal Pro work with Adaptive Payments to support PreApproved Payments? OR like you said in your first post Angelleye - you can authorise payments... how long can you authorise the payment for... i need to be able to authorise it for 90 days as most of our events are 3 months.
0
Andrew AngellCo-Owner / DeveloperCommented:
Payments Pro and Adaptive Payments are separate platforms on the PayPal system.  Pro can't be used with Preapprovals, but again, you can use reference transactions.

As long as the card isn't expired the reference transactions will work indefinitely.
0
oo7mlAuthor Commented:
Thanks, however i just read that you cannot use PayPal Pro for crowdfunding... so it looks like i am snookered... i don't seem to have any other payment provider that can use to pre approve or authorize a payment
0
GaryCommented:
I'm assuming a merchant account is out of the question?
If so then your only other real option in Ireland is Skrill
Since they deal with poker sites etc I wouldn't see a problem with crowdsourcing but you would have to check their terms.
0
Andrew AngellCo-Owner / DeveloperCommented:
@Netminder, can you let me know specifically what about that was considered soliciting?  I was just providing details about how to resolve the situation the OP is in.
0
Andrew AngellCo-Owner / DeveloperCommented:
I disagree with that overall, but I respect your decision.  I'll keep it in mind with future answers.
0
It's more than this solution.Get answers and train to solve all your tech problems - anytime, anywhere.Try it for free Edge Out The Competitionfor your dream job with proven skills and certifications.Get started today Stand Outas the employee with proven skills.Start learning today for free Move Your Career Forwardwith certification training in the latest technologies.Start your trial today
Responsive Web

From novice to tech pro — start learning today.