Publishers of technology books, eBooks, and videos for creative people

Home > Articles > Productivity

  • Print
  • + Share This
Like this article? We recommend Examining PayPal's Payment Solutions

Examining PayPal's Payment Solutions

Six different solutions (in addition to PayPal's solutions for eBay sellers). Six different sets of features. Six different pricing schemes. Let's take a look at each.

Website Payments Standard

Website Payments Standard is the easiest way to add PayPal payments to your website. This solution is based on simple "buy now" buttons. All you need is a rudimentary knowledge of basic HTML to add these payment buttons to your web pages; customer checkout is processed on the PayPal site.

With Website Payments Standard, PayPal provides its own hosted shopping cart and checkout system. When a customer clicks the payment button on your site, he's taken to the checkout system on the PayPal site. To some degree, you can customize the checkout page that the customer sees, but PayPal handles the entire checkout process. The customer arranges payment on this checkout page and then is returned to a designated page on your site.

At the same time, PayPal notifies you of the purchase, typically via email. You can then print a packing slip or shipping label directly from your PayPal Account Overview page, or process the order and arrange shipping through your own systems.

As you can see, Website Payments Standard is a total backend solution for merchants of any size, but especially valuable to smaller retailers. There is no setup fee for this service and no ongoing monthly fee. All you pay are the normal PayPal transaction fees (from 2.2% to 2.9% of the total amount charged, plus $0.30 per transaction).

Website Payments Pro

While Website Payments Standard is a great solution for many merchants, it relies on PayPal for the shopping cart and checkout process[md]and during this process, transfers your customers to the PayPal site. If you'd rather host your own shopping cart and checkout system on your website, you can opt for PayPal's Website Payments Pro service.

Website Payments Pro provides both a merchant account and a processing gateway to those retailers that already have an established shopping cart system. Thus, it isn't quite as easy to implement as the Standard service, and it also comes with a fixed monthly fee. With this solution, you tie your site into the PayPal site using the PayPal API, which requires some technical expertise. (Unless you use a third-party shopping cart that automatically ties into Website Payments Pro[md]which many do.)

With Website Payments Pro, you can accept payments via credit card, debit card, or PayPal account directly on your website. This is done via two separate but related PayPal payment solutions:

  • Direct Payment. Accepts credit/debit card payments.
  • Express Checkout. Accepts payments from customers with PayPal accounts.

In addition to these payment processing features, you get a number of solutions and tools, including recurring billing, Virtual Terminal (accepts phone, fax, and mail payments), the ability to accept international transactions, a variety of shipping tools (including the ability to print shipping labels with prepaid postage), a set of useful reports, PayPal's Seller Protection Policy, automatic fraud screening, and advanced fraud-management filters.

There's no setup charge for Website Payments Pro, but you pay an ongoing $30 monthly fee in addition to PayPal's normal transaction fees.

Payflow Link Gateway and Payflow Pro Gateway

If you're a larger retailer with your own merchant account, check out PayPal's Payflow Gateway services. These solutions are particularly useful for traditional bricks-and-mortar retailers who want to add eCommerce sales to their mix.

PayPal's Payflow Gateway solutions connect your site to any major credit card processor or bank, adding PayPal as an auxiliary payment option. As such, these solutions are ideal for merchants who want to manage their own customer payments (except for credit card processing) and keep customers on the merchant's site throughout the checkout process. You use your own checkout system and your existing merchant account to accept customer payments; payment information is sent via the gateway to PayPal for additional processing, transaction reporting, and other services.

You can add Express Checkout to Payflow to process transactions from PayPal users. That's a nice addition to standard credit and debit card payments.

Two different Payflow services are available:

  • Payflow Link Gateway is a more basic service with easier setup. It enables your customers to complete their transactions on customizable pages hosted by PayPal.
  • Payflow Pro Gateway is a full-blown, fully customizable gateway service. It enables customers to complete their transactions on your website, in a secure fashion.

Both solutions let you accept credit cards, debit cards, and (with the Express Checkout option) payments from PayPal accounts. Both solutions offer 128-bit SSL encryption, and both integrate with most third-party shopping carts.

PayPal's Gateway solutions have a much different cost structure than Website Payments Standard or Pro. You pay a one-time setup fee ($179 for the Link Gateway, $249 for the Pro Gateway), as well as a recurring monthly fee ($19.95 for Link, $59.95 for Pro). You then pay just $0.10 per transaction, with no percentage fees. On the plus side, you get 500 free transactions monthly with the Link Gateway and 1,000 free transactions with the Pro Gateway.

Express Checkout

If you already have a website with merchant account and checkout system set up, you can use PayPal's Express Checkout to add PayPal payments to your website. This is a great way to expand your customer base to those buyers who prefer to pay with their PayPal accounts, rather than entering credit card information with each purchase. You still accept credit and debit card payments as usual, but offer the "Checkout with PayPal" option for a more streamlined[md]and much quicker[md]checkout experience.

There is no setup fee to use this service, nor are any monthly fees charged. All you pay are the normal per-transaction PayPal fees[md]the same ones associated with PayPal's Website Payments accounts.

Virtual Terminal

If you have a direct mail or phone-based business, or you want to add phone or mail sales to your online store, PayPal's Virtual Terminal is the solution for you. It's essentially an online version of a traditional credit card swipe machine, so you can process all those phone, fax, and mail orders via your existing computer system.

With Virtual Terminal, you don't have to purchase or rent any new hardware or install any new software; it's all web-based, which means that you can use it on any computer or mobile device connected to the Internet. To process an order, just log into the Virtual Terminal application on the PayPal website, enter information about the order (including credit card information), and you're done. PayPal handles all the processing and transfers the appropriate funds into your PayPal account.

PayPal's Virtual Terminal is an affordable alternative to those old-fashioned (and expensive) swipe machines. There's no setup charge, and you pay a low $30 monthly usage fee. (This fee is waived if you use Virtual Terminal along with Website Payments Pro.) Transaction fees run from 2.4% to 3.1%, plus $0.30 per transaction, depending on your monthly sales volume.

Online Invoicing

Finally, we have PayPal's email payments solution, dubbed Online Invoicing. This solution lets you email invoices to your customers and then accept secure online payments. It's ideal for B2B companies, or for online retailers who bill their customers on a regular basis for products or services sold.

To use Online Invoicing, you create an invoice via PayPal, or you add a PayPal button to invoices created via QuickBooks or Quicken. The invoice is sent to the customer via email. When the customer receives the invoice, he can pay via PayPal by clicking the appropriate button or link within the email invoice. Payment can be via credit card, bank account, or PayPal account, all processed by PayPal. When the payment is processed, PayPal notifies you and transfers the funds into your PayPal account.

Best of all, there are no setup or monthly fees associated with this solution. You pay only the normal PayPal transaction fees.

  • + Share This
  • 🔖 Save To Your Account

Peachpit Promotional Mailings & Special Offers

I would like to receive exclusive offers and hear about products from Peachpit and its family of brands. I can unsubscribe at any time.

Overview


Pearson Education, Inc., 221 River Street, Hoboken, New Jersey 07030, (Pearson) presents this site to provide information about Peachpit products and services that can be purchased through this site.

This privacy notice provides an overview of our commitment to privacy and describes how we collect, protect, use and share personal information collected through this site. Please note that other Pearson websites and online products and services have their own separate privacy policies.

Collection and Use of Information


To conduct business and deliver products and services, Pearson collects and uses personal information in several ways in connection with this site, including:

Questions and Inquiries

For inquiries and questions, we collect the inquiry or question, together with name, contact details (email address, phone number and mailing address) and any other additional information voluntarily submitted to us through a Contact Us form or an email. We use this information to address the inquiry and respond to the question.

Online Store

For orders and purchases placed through our online store on this site, we collect order details, name, institution name and address (if applicable), email address, phone number, shipping and billing addresses, credit/debit card information, shipping options and any instructions. We use this information to complete transactions, fulfill orders, communicate with individuals placing orders or visiting the online store, and for related purposes.

Surveys

Pearson may offer opportunities to provide feedback or participate in surveys, including surveys evaluating Pearson products, services or sites. Participation is voluntary. Pearson collects information requested in the survey questions and uses the information to evaluate, support, maintain and improve products, services or sites; develop new products and services; conduct educational research; and for other purposes specified in the survey.

Contests and Drawings

Occasionally, we may sponsor a contest or drawing. Participation is optional. Pearson collects name, contact information and other information specified on the entry form for the contest or drawing to conduct the contest or drawing. Pearson may collect additional personal information from the winners of a contest or drawing in order to award the prize and for tax reporting purposes, as required by law.

Newsletters

If you have elected to receive email newsletters or promotional mailings and special offers but want to unsubscribe, simply email ask@peachpit.com.

Service Announcements

On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account information. However, these communications are not promotional in nature.

Customer Service

We communicate with users on a regular basis to provide requested services and in regard to issues relating to their account we reply via email or phone in accordance with the users' wishes when a user submits their information through our Contact Us form.

Other Collection and Use of Information


Application and System Logs

Pearson automatically collects log data to help ensure the delivery, availability and security of this site. Log data may include technical information about how a user or visitor connected to this site, such as browser type, type of computer/device, operating system, internet service provider and IP address. We use this information for support purposes and to monitor the health of the site, identify problems, improve service, detect unauthorized access and fraudulent activity, prevent and respond to security incidents and appropriately scale computing resources.

Web Analytics

Pearson may use third party web trend analytical services, including Google Analytics, to collect visitor information, such as IP addresses, browser types, referring pages, pages visited and time spent on a particular site. While these analytical services collect and report information on an anonymous basis, they may use cookies to gather web trend information. The information gathered may enable Pearson (but not the third party web trend services) to link information with application and system log data. Pearson uses this information for system administration and to identify problems, improve service, detect unauthorized access and fraudulent activity, prevent and respond to security incidents, appropriately scale computing resources and otherwise support and deliver this site and its services.

Cookies and Related Technologies

This site uses cookies and similar technologies to personalize content, measure traffic patterns, control security, track use and access of information on this site, and provide interest-based messages and advertising. Users can manage and block the use of cookies through their browser. Disabling or blocking certain cookies may limit the functionality of this site.

Do Not Track

This site currently does not respond to Do Not Track signals.

Security


Pearson uses appropriate physical, administrative and technical security measures to protect personal information from unauthorized access, use and disclosure.

Children


This site is not directed to children under the age of 13.

Marketing


Pearson may send or direct marketing communications to users, provided that

  • Pearson will not use personal information collected or processed as a K-12 school service provider for the purpose of directed or targeted advertising.
  • Such marketing is consistent with applicable law and Pearson's legal obligations.
  • Pearson will not knowingly direct or send marketing communications to an individual who has expressed a preference not to receive marketing.
  • Where required by applicable law, express or implied consent to marketing exists and has not been withdrawn.

Pearson may provide personal information to a third party service provider on a restricted basis to provide marketing solely on behalf of Pearson or an affiliate or customer for whom Pearson is a service provider. Marketing preferences may be changed at any time.

Correcting/Updating Personal Information


If a user's personally identifiable information changes (such as your postal address or email address), we provide a way to correct or update that user's personal data provided to us. This can be done on the Account page. If a user no longer desires our service and desires to delete his or her account, please contact us at customer-service@informit.com and we will process the deletion of a user's account.

Choice/Opt-out


Users can always make an informed choice as to whether they should proceed with certain services offered by Adobe Press. If you choose to remove yourself from our mailing list(s) simply visit the following page and uncheck any communication you no longer want to receive: www.peachpit.com/u.aspx.

Sale of Personal Information


Pearson does not rent or sell personal information in exchange for any payment of money.

While Pearson does not sell personal information, as defined in Nevada law, Nevada residents may email a request for no sale of their personal information to NevadaDesignatedRequest@pearson.com.

Supplemental Privacy Statement for California Residents


California residents should read our Supplemental privacy statement for California residents in conjunction with this Privacy Notice. The Supplemental privacy statement for California residents explains Pearson's commitment to comply with California law and applies to personal information of California residents collected in connection with this site and the Services.

Sharing and Disclosure


Pearson may disclose personal information, as follows:

  • As required by law.
  • With the consent of the individual (or their parent, if the individual is a minor)
  • In response to a subpoena, court order or legal process, to the extent permitted or required by law
  • To protect the security and safety of individuals, data, assets and systems, consistent with applicable law
  • In connection the sale, joint venture or other transfer of some or all of its company or assets, subject to the provisions of this Privacy Notice
  • To investigate or address actual or suspected fraud or other illegal activities
  • To exercise its legal rights, including enforcement of the Terms of Use for this site or another contract
  • To affiliated Pearson companies and other companies and organizations who perform work for Pearson and are obligated to protect the privacy of personal information consistent with this Privacy Notice
  • To a school, organization, company or government agency, where Pearson collects or processes the personal information in a school setting or on behalf of such organization, company or government agency.

Links


This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects Personal Information. This privacy statement applies solely to information collected by this web site.

Requests and Contact


Please contact us about this Privacy Notice or if you have any requests or questions relating to the privacy of your personal information.

Changes to this Privacy Notice


We may revise this Privacy Notice through an updated posting. We will identify the effective date of the revision in the posting. Often, updates are made to provide greater clarity or to comply with changes in regulatory requirements. If the updates involve material changes to the collection, protection, use or disclosure of Personal Information, Pearson will provide notice of the change through a conspicuous notice on this site or other appropriate way. Continued use of the site after the effective date of a posted revision evidences acceptance. Please contact us if you have questions or concerns about the Privacy Notice or any objection to any revisions.

Last Update: November 17, 2020