Wallets · On request
PayPal
PayPal is a global wallet with more than 400 million active accounts: at checkout the payer logs in to PayPal and pays from the balance, a linked bank account or a saved card, or pays with a card through PayPal without an account. Disputes are handled by PayPal under its buyer protection rather than by the card schemes, and the same account carries recurring charges through a billing agreement and payouts through PayPal Payouts.
Key facts
- Countries
- United Arab EmiratesArgentinaBrazilCanadaChileColombiaGermanyEgyptSpainFranceUnited KingdomIndonesiaItalyKenyaMexicoNetherlandsPeruPolandSaudi ArabiaThailandUnited StatesVietnam
- Currencies
- USD, EUR, GBP, PLN, CAD, MXN, BRL, AED, SAR, ARS, CLP, COP, PEN, EGP, THB, VND, IDR, KES
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- instant
- Chargebacks
- under the provider's rules
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout shows the PayPal button; the payer is sent to PayPal or stays in a PayPal window.
- The payer logs in and chooses the balance, a bank account or a card, or enters a card as a guest.
- PayPal approves the payment and the provider confirms at once.
- Tranzify writes the result and calls the merchant’s webhook.
PayPal against cards
PayPal has been in business since 1998 and is available in more than 200 markets, so for a cross-border shop it is often the one wallet that can be offered everywhere.
| PayPal | Cards | |
|---|---|---|
| What the payer needs | a PayPal account, or a card as a guest | a card accepted by the acquirer |
| Confirmation | at once | at once |
| Disputes | PayPal’s buyer protection, decided by PayPal | scheme chargebacks |
| Recurring | yes, by a billing agreement | yes, with tokens |
| Payouts | yes, PayPal Payouts | push to card |
The method is in the catalogue on request.
Who uses it
E-commerce and marketplaces for payers who would rather not type a card number; digital goods and SaaS for subscriptions; travel for bookings where buyer protection reassures the payer. A client (a payment company) enables Adyen, Stripe, Checkout.com or Nuvei for PayPal under its own contract; the integration is enabled on request.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Terms
Frequently asked questions
Where is PayPal listed in the catalogue?+
Who handles a dispute?+
Are payouts and subscriptions possible?+
Related methods
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