Paypal integration to accept credit card payment directly

Question

I have a question regarding PayPal integration with my website. I have a Premier account with PayPal. I tried integrating it with my website by adding a 'Buy Now' button. When I click on it it asks the end user to create a PayPal account. However, I want the users to be able to make a payment directly with their credit/debit card without creating a PayPal account.

I am not a technical guy, so I might have missed out on something. I want to know if it is possible to integrate paypal without me having to code something technically. Kindly advise.

I think you can do this with express checkout -- read their api docs about it. — chovy, Sep 18 '12 at 06:06
And here is my answer with example url requests for Express Checkout. No account required, no shipping address(digital goods), show item details on checkout page and merchant transaction history. http://stackoverflow.com/a/16638936/185565 — Whome, May 20 '13 at 06:11

score 3 · Answer 1 · edited Aug 23 '16 at 18:40

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According to PayPal, buyers do not need a PayPal account to pay you:

They can pay with their credit/debit card (Visa, MasterCard, American Express, and Discover) — all without having a PayPal account.

Sources: Do my buyers need a PayPal account to pay me? and Buttons for single purchases

To create the button, simply visit PayPal's button creator wizard and supply the required information. Once submitted, PayPal will autogenerate the HTML for you. See: Create PayPal payment button

edited Aug 23 '16 at 18:40

Martijn Pieters

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answered Sep 17 '12 at 14:41

Jeremy

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I think, if they spend more than around 1000GBP or 15000EUR in a lifetime the money sender needs an account. This is due to banking regulation designed to limit money laundering in light of Sept11. – Darryl Miles Sep 17 '12 at 14:41
Interesting, I haven't seen that exception. Post your source to help @Anishphilipjohn, thanks. – Jeremy Sep 17 '12 at 14:45
I too read on the website that it is possible to not have a paypal account, and yet make a payment. I wanted to know how it could be done. – Anish Philip John Sep 17 '12 at 14:46
Yes it can be done. It acts like a regular credit card payment processor. The sender only provides basic details without needing to signup to Paypal (although the sender still accepts some legal terms while making payment). – Darryl Miles Sep 17 '12 at 14:49
@Anishphlipjohn since they've stated that a it isn't a requirement, I would create the button using their interface [here](https://www.paypal.com/cgi-bin/webscr?cmd=_flow&SESSION=gZ9HUWAZpOG1PN17mKmlXq-JK2duCadXBuNe-uoMeMlb3mcgrRmS8tXbwGe&dispatch=5885d80a13c0db1f8e263663d3faee8da6a0e86558d6153d7722c6eea13ecd7b) just to be sure you haven't left out some crucial flag. If it continues to require a user account, then I would perhaps send an email to their support [here](https://www.x.com/developers/how-can-we-help-you). – Jeremy Sep 17 '12 at 14:50
Thats great to know. Could you please let me know how to do it as well. Please keep in mind that i am not a technical guy. – Anish Philip John Sep 17 '12 at 14:50
My added comment on the limit relates to the sender regularly using their CC and details with paypal (possibly through multiple vendors) does have lifetime limits. I have hit this myself being forced to signup to send money. I do not have a reference to cite since I don't think it is a good marketing matter for paypal. It is obfustacted with their unverified limits documentation. Behind the scenes an unverified account is setup on behalf of a CC money sender to send any money. – Darryl Miles Sep 17 '12 at 14:54
@AnishPhilipJohn to create the button you can use their button creator interface [here](https://www.paypal.com/cgi-bin/webscr?cmd=_flow&SESSION=7hPHC5JJ6XowlUTMXfWRU-8xe8pAvRPRX0GWZ8FE6F_bEFsYRORZGPkAafG&dispatch=5885d80a13c0db1f8e263663d3faee8da6a0e86558d6153d7722c6eea13ecd7b). Fill in the required information such as the price and any additional charges and it will autogenerate the html for you. – Jeremy Sep 17 '12 at 14:54
Also @AnishPhilipJohn I would consider Darryl's comment and perhaps send a support email for further verification just so you aren't hit with any surprises. – Jeremy Sep 17 '12 at 14:57
@Jeremy I tried adding the button even earlier. But then it still asks me to input login details or create a new login. This is what I want to avoid. – Anish Philip John Sep 17 '12 at 15:04
@AnishPhilipJohn I decided to try this for myself. It does bring up a form requiring buyer information, but it does say to "Pay as a guest now, sign up for PayPal later". It looks to me like it needs this information at a minimum to verify the billing information attached to the buyer's credit card for security purposes. I suppose I would want this if someone found my credit card somewhere and decided to go on a spending spree, whilst not knowing my billing information would prevent them from doing so. – Jeremy Sep 17 '12 at 15:08
I mailed support, and I have my answer. "this feature is not yet available to PayPal accounts in UAE" – Anish Philip John Sep 17 '12 at 15:31
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Interesting. Good to know. Didn't realize this was strictly for UAE purchases. Just a suggestion, add that nugget of info to your question, then add (and accept) your answer in order to help other readers. – Jeremy Sep 17 '12 at 15:40

score 1 · Answer 2 · answered Sep 18 '12 at 06:04

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This happened because the account was a PayPal account in UAE, and this feature is not enabled there yet.

answered Sep 18 '12 at 06:04

Anish Philip John

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Do you know where one can find a list of countries - where this feature is available and where is not? – Andrey Regentov Mar 19 '13 at 04:15

Paypal integration to accept credit card payment directly

2 Answers2