21th September 2010
Monetization using PayPalDisruptive Code– [email protected] and [email protected]
Confidential and Proprietary
AGENDA
• Why PayPal?• What is PayPal X?• PayPal for Mobile
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Confidential and Proprietary
PAYPAL: WHO ARE WE?
• Founded in December 1998, PayPal is a leading global online payment company
• Over 87 million active registered accounts* globally, with over 30 million accounts held in Europe
• Available in 190 markets, supporting 24 currencies
• In Europe, PayPal is accepted by top merchants, including Boots, Top Shop, New Look, Ted Baker, DHL, Lufthansa, Lindt, Vente-Privee, FNAC.com, Mandarina Duck, Correos, Vueling.com
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Confidential and Proprietary
WHAT IS ADAPTIVE PAYMENTS?
A money movement service that is configurable or "Adaptive" to allow innumerable use cases
– Configurable service suite for any type of payment or transfer– Not limited to web eCommerce payments
Advanced feature: Modular payment approval– Built for web, mobile, future, or custom methods for approval– Pre-approval allows for approval off PayPal.com
Advanced feature: Pre-approved payments– Pre-approval for one-time, multi-use, and subscription payments– Configurable personal identification number (PIN) support
Advanced feature: Parallel and chained payments– Allows single payment to multiple receivers– Facilitates multiple use cases: marketplace payments, service
fees, multi-merchant checkout, and so on
USE CASES• Send money
• Split payments
• Bill payments
• Payroll payments
• B2B payments
• Remittances
• Marketplace payments
• Virtual currencies
• Points and miles
• Mass payments
• Invoice payments
• Recurring payments
• Scheduled payments
• Money transfers
• Mobile/device payments
• Government travel
• Future payment scenarios…
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THE ACTORS
THE SENDER THE RECEIVER
PAYPAL
CTHE API CALLER
A person or business whose PayPal account is being debited
A person or business whose PayPal account is being credited
The API access account who makes the Adaptive Payments service calls: may be the sender, one of the receivers, or a third party
Confidential and Proprietary
SEND MONEY
Basic building block allows for the transfer of money from one entity to another
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PREAPPROVED PAYMENTS
• Pre-authorization of money transfer from customer (sender) to API caller
• Allows an API caller to make payments on behalf of a sender within the constraints specified
• PIN optional for future payments made within the authorized amount
Pre
Appr
oval
C
Confidential and Proprietary
PARALLEL PAYMENTS
• Pay multiple recipients at once
• Future interactions with each transaction can be separate
• Enable partnership opportunities
₤10
₤40
₤50
₤100 Receiver X - ₤10
Receiver Y - ₤40
Receiver Z - ₤50
Sender Visibility
Confidential and Proprietary
CHAINED PAYMENTS
Instant payment and disbursements– Sender sees one payment to primary receiver– In one motion, money to secondary receivers sent– Delayed Disbursments
Supports commission-based payments
PRIMARY
₤10₤40
₤50
₤100
Primary Receiver - ₤100
• Funds transfer is serial
• Reversal and refund tools available to manage business agreements between receivers
Sender Visibility
Confidential and Proprietary
COMBINE
PRIMARY
Pre
Appr
oval
AND
C
Confidential and Proprietary
COMBINE
Pre
Appr
oval
C
AND
Confidential and Proprietary
COMBINE
PRIMARYX
Confidential and Proprietary
COMBINE
PRIMARY
AND
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WHAT YOU GET WITH ADAPTIVE PAYMENTS
• Send money
• Implicit send money
• Pre-approved payments (with PIN)
• Parallel split payments
• Chained split payments
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MONETIZATION
SO WHAT CAN I DO WITH ADAPTIVE PAYMENTS?
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SOCIAL NETWORKING
• Want to build a person-2-person send money application for your favorite social networking site?
• You can design a payment solution using Adaptive Payments.
Confidential and Proprietary
GAMING
• Want to build a game that takes micropayments on a pay as you go basis?
• You can design a payment solution using Adaptive Payments.
Confidential and Proprietary
GAMING PLATFORM
• Want to host many games and take a cut of the payment and pass the rest on game creator?
• You can design a payment solution using Adaptive Payments.
PRIMARY
Confidential and Proprietary
PAYOUTS
• Want to create an application to allow people to pay their employees or their vendors exclusively through an API?
• You can design a payment solution using Adaptive Payments.
Confidential and Proprietary
CROWD SOURCING
• Want to create a business that needs to pay a workforce in the cloud?
• You can design a payment solution using Adaptive Payments.
OR
PRIMARY
Confidential and Proprietary
DISTRIBUTED REFERRAL
• Want to create a simple referral program for shopping carts?
• You can design a payment solution using Adaptive Payments.
PRIMARY
Confidential and Proprietary
RENT PAYMENTS
• Want to create an application for landlords to collect rent?
• You can design a payment solution using Adaptive Payments.
Confidential and Proprietary
POINT OF SALE - BLINGNATION
• Point of sale device that uses PreApprovals / Chained Payments and an NFC chip.
Confidential and Proprietary
PHILIPS NETTV
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Download Movie Pay
Site: Kino.comAmount: 9.00 EUR
PIN: ••••
Payment Successful!
Preapproval
PRIMARY
Confidential and Proprietary
ARCHOS ANDROID APPSTORE
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Preapproval
PRIMARY
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SAMPLE APP/CODE1. def rent2. @book = Book.find(params[:id])3. # make a pay API call 4. # setup headers5. headers = {6. "X-PAYPAL-REQUEST-DATA-FORMAT" => "NV",7. "X-PAYPAL-RESPONSE-DATA-FORMAT" => "NV",8. "X-PAYPAL-SECURITY-USERID" => "ppalav_1260515409_biz_api1.yahoo.com",9. "X-PAYPAL-SECURITY-PASSWORD" => "1260515414",10. "X-PAYPAL-SECURITY-SIGNATURE" => "AKLVEVTVnHqz94AZw7FtIDv3MLW4Ar2aWwl8McMd.pAzlu.yuMNbwmLx",11. "X-PAYPAL-APPLICATION-ID" => "APP-80W284485P519543T",12. 'Content-Type' => 'application/x-www-form-urlencoded'13. }14. post_data = {15. 'receiverList.receiver[0].amount' => @book.price,16. 'receiverList.receiver[0].email' => '[email protected]',17. 'cancelUrl' => 'http://localhost:3000/book/list?PaymentCancel',18. 'returnUrl' => 'http://localhost:3000/book/list?PaymentSuccess',19. 'actionType' => 'PAY',20. 'currencyCode' => 'USD',21. 'memo' => 'Renting+book+' + @book.title,22. 'requestEnvelope.errorLanguage' => 'en_US'23. }24. url = URI.parse("https://svcs.sandbox.paypal.com/AdaptivePayments/Pay")25. http = Net::HTTP.new(url.host, 443)26. http.use_ssl = true27. data = "” 28. post_data.collect { |k, v| data += "#{k.to_s}=#{v.to_s}&" }29. resp, data = http.post(url.path, data, headers)30. resp_params = CGI.parse(data)31. payKey = resp_params['payKey'][0]32. # redirect to PayPal33. authZUrl = "https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_ap-payment&paykey=" + payKey34. redirect_to authZUrl35. end
Confidential and Proprietary
PAYPAL FOR MOBILE
Integration Options
Mobile Payment Library (in-app)– Completely in-application payments– Include the Library in your code– Library contains all UI screens and communication with PayPal APIs– Android OS 1.5 and above– iPhone and iPad
Mobile Express Checkout (Beta)– Mobile Browser based checkout (WebKit)– For mobile browser optimised sites or launch browser from app– Uses Existing Express Checkout APIs with User Agent Detection– Guest Checkout (Coming Soon)– Android OS 2.0 and above– iPhone
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Confidential and Proprietary
PAYPAL FOR ANDROID - MPL
Mobile Payments Library – In-App
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Confidential and Proprietary
PAYPAL FOR IPHONE - MPL
Mobile Payments Library – In-App
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Confidential and Proprietary
HELPFUL HINTS – X.COM
1. Visit Apps 101 – Everything you need to know about the
submission process
2. Understand the PayPal X Developer Agreement to know
what is and is not allowed before you begin coding
3. Be as descriptive as possible when relating:
• What your application does
• Your application payment flow
• Who all the players (senders and receivers) are in the
payment flow
4. Contact Developer Technical Services (DTS) if you have
any technical MPL questions via www.paypal.com/dts
Confidential and Proprietary
THANK YOU !
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