Using Your PayPal Account Profile

This chapter describes how to use your PayPal account profile settings to control how Website Payments Standard works for people who pay you and how it works to let you accept the payments that they make.

The Account Profile

Use your PayPal account profile to manage your PayPal account.

To view your account profile:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

Your account profile has three sections:

–	Account Information

–	Financial Information

–	Selling Preferences

The following topics describes the use of each section in more detail.

Account Information

Use the Account Information column for basic account maintenance, including updating your password, adding and confirming email addresses, managing your business information, and for business accounts, configuring PayPal account for multi-user.

Financial Information

Use the Financial Information column to organize and maintain the financial instruments associated with your PayPal account, including managing your credit cards and bank accounts, activating and managing your PayPal Debit Card, managing multiple currency balances, and viewing monthly account statements.

Selling Preferences

Use the Selling Preferences column to configure the way you collect payments with PayPal, including:

l	Branding the PayPal payment pages with your logo and colors

l	Tailoring the Website Payments Standard payment experience with:

–	Auto Return

–	PayPal Account Optional

–	Getting contact telephone numbers from payers

l	Setting sales tax rates to calculate sales taxes automatically

l	Setting shipping rates to calculate shipping charges automatically

l	Blocking certain kinds of payments

l	Setting the language and character encoding of your data

Figure 2.1

Selling Preferences on the Profile Summary Page

Correspondence Between Profile Settings and HTML Variables

Many of the selling preferences that you can set in your account profile have equivalent HTML variables that let you control the behavior of individual transactions. After you enable settings in your account profile, you can include HTML variables with a transaction that take advantage of those settings.

See the following sections for more information:

l	“Overriding Page Styles On Individual Transactions”

l	“Overriding Sales Tax Calculations on Individual Transactions”

l	“Overriding Shipping Calculations on Individual Transactions”

l	“Setting the Character Set: charset”

l	“Setting The Return URL on Individual Transactions”

l	“Desired Currency on Individual Transactions”

Branding the PayPal Payment Pages

Custom payment pages let you tailor the PayPal payment pages presented to payers to match the style of your website. Custom payment pages work with all Website Payments Standard buttons and with the PayPal Account Optional account profile setting turned on or off.

You can add up to three custom page styles.

The pictures in this section demonstrate the types of branding you can achieve with custom payment pages. Figure 2.2 , “Default PayPal Payment Page Style,” shows a payment page with no custom merchant branding.

Figure 2.2

Default PayPal Payment Page Style

Figure 2.3 , “Custom Page Style with All Branding Options,” shows all the options that you can specify for your own, custom payment page styles.

Figure 2.3

Custom Page Style with All Branding Options

Working with Custom Payment Pages

To configure your custom payment pages:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Custom Payment Pages link.

The Custom Payment Page Styles page appears, as shown below.

Figure 2.4

Custom Payment Page Styles

From this page, you can add, edit, preview, and remove page styles, and make one of the page styles the primary page style.

Note:

The PayPal page style is a default page style. You cannot edit or remove it.

Adding or Editing a Page Style

The settings described here can also be specified with HTML variables for individual transactions. For more information, see “HTML Variables for Displaying PayPal Payment Pages”.

To add a page style:

1.	Begin at the Custom Payment Page Styles page.

2.	Click the Add button or the Edit button.

Enter your custom page style preferences:

–	Page Style Name (required)

Enter a name up to 30 characters long. The name can contain letters, numbers, and underscores but no other symbols or spaces. The Page Style Name is used to refer to the page style in your PayPal account and in the page_style HTML variable for your Website Payment buttons.

–	Header Image URL (optional)

Enter the URL for an image that should appear at the top left of the payment page. Maximum size of the image is 750 pixels wide by 90 pixels high; larger images are reduced to this size. The image must be in a valid graphics format such as gif, jpg, or png.

IMPORTANT:

PayPal recommends that you enter an image URL only if the image is stored on a secure (https) server. Otherwise, your payer’s web browser displays a message that the payment page contains insecure items.

–	Header Background Color (optional)

Enter the background color for the header using HTML hex code. The color code must be six digits long and should not contain the # symbol. If the Header Image URL is present, the header is a 750 pixel wide by 90 pixel high space at the top of the payment page. If the Header Image URL is not present, the header height is only 45 pixels high.

–	Header Border Color (optional)

Enter the border color for the header using HTML hex code. The color code must be six digits long and should not contain the # symbol. The header border is a two-pixel perimeter around the header space.

–	Background Color (optional)

Enter the background color for the payment page using HTML hex code. The color code must be six digits long and should not contain the # symbol.

3.	Click the Preview button to view a mock-up of your page style, or click the Save button to save it.

Making a Page Style Primary

When you make a page style primary, it is applied to all payment pages unless you specify otherwise on individual transactions.

Note:

If you do not designate a page style as Primary, the default PayPal page style is used.

To make a page style primary:

1.	Begin at the Custom Payment Page Styles page.

2.	Click the radio button next to the page style you that want to make your primary style.

3.	Click the Make Primary button.

The Make Custom Page Style Primary page appears.

4.	Click the Make Primary button to confirm your choice.

Overriding Page Styles On Individual Transactions

Your primary page style is applied to all payment pages unless you specify otherwise. You can override this behavior by specifying custom page style variables on individual transactions.

To change the page style for a button you already created, replace the value of the page_style variable with the page style name you want to use. The next time that someone clicks the button, the subsequent payment pages appear in the new style.

When you specify custom payment page variables on individual transactions, the page variables override page styles set in your account profile or the page_style variable. The custom payment page variables take precedence in the following order:

Table 2.1

Order of Page Style Variables

	Custom Option	Description
1	Custom Payment Page Variables on Individual Transactions	See Table A.7, “HTML Variables for Displaying PayPal Payment Pages”.
2	Primary Page Style on Individual Transactions	With the page_style variable, you can specify a page style on individual transactions that overrides any page styles set in your account profile.
3	Primary Page Style in Profile	You can create and set the primary style in your account profile.
4	Default PayPal Page Style in Profile	The default page style used when an alternative is not selected and designated as primary.

Tailoring the Payment Experience

The following account profile settings let you tailor the payment experience for people who pay with Website Payments Standard:

l	PayPal Account Optional

l	Auto Return

l	Getting Contact Telephone Numbers

PayPal Account Optional

With PayPal Account Optional turned on, people who are not currently PayPal members can pay by credit card without first signing up for a PayPal account. After making the payment, payers can sign up with PayPal using the address and credit card that was used for the completed transaction.

Figure 2.5 , “Page Sequence with PayPal Account Optional” illustrates the sequence of pages that people experience when they pay by credit card without first signing up with PayPal.

Figure 2.5

Page Sequence with PayPal Account Optional

Compare the preceding page sequence with the basic page sequence shown in Figure 1.1 , “Website Payments Standard Basic Payment Page Sequence”.

What Payers See With Account Optional On

Step 1: Bob goes to the DesignerFotos website, makes his selections, and clicks the Add to Cart button.

Step 2: Since Bob is new to PayPal, he is taken to a billing information page. If he had a PayPal account, he could log in here to access his saved information. He is not a PayPal member, so he enters in his information and clicks the Review Payment button.

Note:

If Payment Receiving Preferences are set to accept payments from payers only with confirmed addresses, Bob skips the shipping information page and goes directly to billing information in Step 3.

Step 3: Bob is taken to a review page. He clicks the Pay $505.00 Now! button to complete his purchase.

Step 4: Bob is taken to a payment completion page and will receive an email receipt.

Because Bob is not a PayPal member, he can choose to sign up for a PayPal account on this page by entering his email address, selecting a password, and clicking the Create Account button.

Step 5: Bob sees a page that confirms the creation of his account.

If he clicks the Return to Merchant button, his browser is redirected back to the merchant’s website.

Step 6: Bob receives an email receipt that confirms his payment and includes a copy of the payment details for this transaction.

Turning PayPal Account Optional Off

PayPal Account Optional is on by default.

To turn PayPal Account Optional off:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	Click the Website Payment Preferences link in the Selling Preferences column.

The Website Payment Preferences page appears.

4.	Scroll down to the PayPal Account Optional section of the page.

5.	Select the Off radio button to turn PayPal Account optional off.

6.	Scroll to the bottom of the page, and click the Save button.

Auto Return

With Auto Return for Website Payments, you can avoid making your payers click an extra button before returning to your website after they complete their payments. Auto Return applies to all Website Payments, including Buy Now, Shopping Cart, Subscription, Gift Certificate, and Donation buttons.

What Payers See with Auto Return On

With Auto Return on, instead of having to click a button on the payment receipt page (identified in Figure 1.1  with a circled “3” and shown in Figure 1.6 ), payers see an alternative payment confirmation page for a few seconds before their browsers redirect them automatically to your website.

Figure 2.6

Momentary Payment Confirmation with Auto Return On

Turning On Auto Return

Auto Return is turned off by default.

To turn on Auto Return:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	Under the Selling Preferences column, click the Website Payment Preferences link.

The Website Payment Preferences page appears, as shown below.

4.	Under Auto Return for Website Payments, click the On radio button to enable Auto Return.

5.	In the Return URL field, enter the URL to which you want your payers redirected after they complete their payments.

Note:

If the Return URL you enter is invalid, PayPal displays the standard payment confirmation page after people complete their payments.

6.	Scroll to the bottom of the page, and click the Save button.

Setting Return URL on Individual Transactions

With Auto Return turned on in your account profile, you can set the value of the return HTML variable on individual transactions, which overrides the value of the return UL that you stored on PayPal as part of the Auto Return feature. For example, you might want to redirect payers to a URL on your site that is specific to that person, perhaps with a session-id or other transaction-related data included in the URL.

To set the return URL for individual transactions, include the return variable in the HTML Form:

<INPUT TYPE=”hidden” NAME=”return” value=”URLspecificToThisTransaction”>

Note:

To receive transaction-related data from PayPal, you must turn PDT on. For more information on PDT, see the Order Management Integration Guide.

Subscriptions Password Management and Auto Return

If you use or plan to use Subscriptions Password Management, you must make sure that Auto Return is turned off in order to display the PayPal-generated username and password to the subscriber.

Note:

You can use Auto Return with Subscriptions, which is a separate feature from Subscription Password Management. For more information about Subscriptions, see the Subscriptions and Recurring Payments Guide.

Getting Contact Telephone Numbers

“Contact Information Telephone” is an option that lets you collect a contact telephone number for from people who pay you. When you activate this option, payers are prompted to include a contact telephone number with their payment information.

IMPORTANT:

In accordance with the PayPal user agreement, you may use this contact telephone number only to communicate with the payer about the related payment. You may not use this number for unsolicited messages.

You can make the contact telephone number optional or required, or you can turn it off. “Off” is the recommended default option because people value their privacy and prefer to minimize unsolicited communications.

When you require payers’ contact telephone numbers, payers see the prompt during purchase.

Figure 2.7

Prompt for A Contact Telephone Number

Activating Contact Telephone Number

Follow these steps to activate the Contact Telephone Number option:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Website Payment Preferences link.

4.	Scroll down the page to the Contact Telephone Number section.

5.	Select one of the following options:

–	On (Optional Field): prompts payers to enter telephone numbers as an option.

–	On (Required Field): requires payers to enter telephone numbers

–	Off (Recommended): does not prompt payers to enter telephone numbers

6.	Scroll to the bottom of the page and click the Save button.

Automatic Calculation of Sales Tax

You can set up your PayPal account to automatically calculate and charge sales tax (also called value-added tax or VAT). You can create sales tax rates for domestic (U.S.-only) and international buyers as follows:

l	Domestic sales tax rates

can be for an individual state, a specific zip code, or for a range of zip codes.

l	Sales tax rates for Canada can be for an individual province or for all provinces.

l	Other international sales tax rates are for the entire county specified.

To view or modify your sales tax rates:

1.	Log in to your PayPal account at https://www.paypal.com.

2.	Click the Profile subtab of the My Account tab.

3.	In the Selling Preferences column, click the Sales Tax link.

Figure 2.8

Sales Tax Rates Setup

Setting Up Domestic Sales Tax Rates

You can create sales tax rates for a state, zip code, or zip code range. To add a new rate, click the Add New Sales Tax link in the Set Up Domestic Tax Rates box.

To create a rate for a state

1.	Click State for Configure Sales Tax by.

2.	Select one or more states for the rate you want to create. Hold down the Ctrl key to select more than one state.

3.	Enter the sales tax rate.

4.	Click the checkbox labeled Apply rate to shipping amount, if applicable.

5.	Click the Continue button to add the new rate and return to the Sales Tax page (Figure 2.8 ).

6.	Click the Create Another button to add the new rate and then add another domestic sales tax rate.

To create a rate for a specific zip code

1.	Click Zip Code for Configure Sales Tax by.

Figure 2.9

Setting Up a Domestic Sales Tax Rate by Zip Code

2.	Click the Specific radio button.

3.	Enter the zip code for the rate you want to create.

4.	Enter the sales tax rate.

5.	Click the checkbox labeled Apply rate to shipping amount, if applicable.

6.	Click the Continue button to add the new rate and return to the Sales Tax page.

7.	Click the Create Another button to add the new rate and then add another domestic sales tax rate.

To create a rate for a zip code range

1.	Click Zip Code for Configure Sales Tax by.

2.	Click the Range radio button.

3.	Enter the starting and ending zip code for the rate you want to create.

4.	Enter a the sales tax rate.

5.	Click the checkbox labeled Apply rate to shipping amount, if applicable.

6.	Click the Continue button to add the new rate and return to the Sales Tax page.

7.	Click the Create Another button to add the new rate and then add another domestic sales tax rate.

Setting Up International Sales Tax Rates

You can create the following types of international sales tax rates:

l	For Canada, sales tax rates can be for one or more provinces.

l	For countries other than the U.S. and Canada, sales tax rates apply to the entire country.

To add a new rate, click Add New Sales Tax in the Set Up International Tax Rates box.

1.	Select the country for the rate you want to create.

2.	If you selected Canada for Country, select one or more provinces or select All Provinces. Hold down the Ctrl key to select more than one province.

3.	Enter the sales tax rate.

4.	Click the checkbox labeled Apply rate to shipping amount, if applicable.

5.	Click the Continue button to add the new rate and return to the Sales Tax page (Figure 2.8 ).

6.	Click the Create Another button to add the new rate and then add another international sales tax rate.

Resolving Overlapping Sales Tax Rates

It is possible that more than one sales tax rate will apply to a buyer. For example, in Figure 2.10 , all three of the domestic sales tax rates apply to a buyer in zip code 94044.

Figure 2.10

Three Domestic Sales Tax Rates

When multiple rates apply, the most specific rate is used. For a buyer in zip code 94044, the most specific rate is the single zip code rate of 8.25%. For a buyer in zip code 94056, the most specific rate is the range of zip codes with a rate of 7.75%.

Overriding Sales Tax Calculations on Individual Transactions

Regardless of a buyer’s location, you can override automatic tax calculation on an individual transaction or on individual items in a transaction. For more information, see “Setting Tax on Individual Items” and “Setting the Tax for the Entire Cart”.

Editing or Deleting Sales Tax Rates

To edit a sales tax rate, click the checkbox to the left of the rate and then click the Edit button.

To delete a sales tax rate, click the checkbox to the left of the rate and then click the Delete button.

Automatic Calculation of Shipping Charges (U.S. Merchants Only)

You can set up your PayPal account to calculate shipping charges automatically. Shipping charges are calculated based on the shipping rates you specify in the Selling Preferences of your account profile. You can set up different shipping rates for U.S. domestic and international shipments, different rates for different domestic and international shipping regions, and different rates for different levels of shipping service.

Shipping Regions

Your organize your shipping rates primarily by the states and countries to which you ship your products. Some merchants make only domestic shipments. Other merchants make both domestic shipments and international shipments. Depending on territorial size, some merchants divide their domestic markets into smaller shipping regions, each with their own shipping rates.

Before you begin setting up the shipping rates that PayPal uses to calculate shipping charges, decide whether:

l	You ship only domestically or both domestically and internationally

l	You want one set of rates for all U.S. domestic shipments or you want rates for different domestic regions, such as Europe and Asia.

l	You want one set of rates for all international shipments or you want rates for different international regions

You can establish one set of shipping rates for all domestic and international destinations, but your shipping rates should reflect your costs of shipping, which generally vary between different domestic and international regions.

Shipping Methods

Within each shipping region that you define, you specify specific shipping rates for the different shipping methods you want to offer buyers. A shipping method specifies a mode of shipment and the general time frame for delivery. For example, you might offer your domestic buyers two shipping methods: “Standard Shipping” and “Priority.”

For each region in which you offer a specified shipping method, you generally select different delivery time frames and different rates. Otherwise, you should not set up separate shipping regions.

For example, your “Standard Shipping” method for the region where your shipments originate might specify a time frame of “2-3 Days.” A more distant domestic shipping region might specify a time frame of “3-7 Days.” You set the same rates for “Standard Shipping” in all regions, but delivery times are longer for more distant ones.

As an alternative to differentiating on delivery time, you might differentiate on rates. For example, your “Standard Shipping” method for all domestic regions might specify the same time frame of “2-3 Days.” You set more expensive rates for “Standard Shipping” in more distant regions, but delivery times are the same for all regions.

Shipping Rate Bases

For each shipping method in each shipping region that you define, you specify the basis upon which your shipping rates are used to calculate the shipping charges for specific purchases. You can choose from the following shipping rate bases:

l	Total order amount

l	Total order weight

l	Total item quantity

Generally, you specify the same shipping rate basis for all shipping regions and shipping methods that you define. Before you begin setting up the shipping rates that PayPal uses to calculate shipping charges, decide which basis is most suitable for the kinds of products you sell and the typical orders that your buyers place.

For more information, see “Examples of Rate Bases and Shipping Calculations”

Shipping Rate Tables

For each shipping method you define, fill in a rate table to specify the rates that PayPal uses to calculate shipping charges. Rate tables let you specify tiered rates.

Figure 2.11

Shipping Rate Table With a Basis of Total Order Amount

Each row in a rate table represents a different tier. Each successive tier encompasses a successively increasing range within the rate basis. You specify a separate rate for each tier.

In the preceding example rate table, each successive tier encompasses an increasing range of order amounts. The first tier encompasses orders that total from $0.01 USD through and including $10.00 USD. The shipping rate for orders that fall within the first tier is 5% of the total order amount. The shipping charge for an order amount of $6.75 USD is $0.34 USD.

Shipping Rates and Currencies

When you set up shipping methods, specify the same currency for the shipping rates that you used to price the products on your website. Specify shipping rates for both domestic shipments and international shipments in your domestic currency, provided that you priced your products for international buyers in your domestic currency.

If you price your products in multiple currencies, you should specify international shipping rates in the same currencies that you priced your products for international buyers. For example, a merchant in London might price products in Pounds Sterling for British buyers, while also pricing the same products in Euros for Euro-zone buyers and U.S. Dollars for U.S. buyers.

Adding Shipping Rates for the First Time

The first time you set up shipping rates, the page sequence is tailored for creating your initial shipping regions, methods, and rates.

To begin adding shipping regions, methods, and rates for the first time:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Set Up Shipping Calculations link.

This Shipping Calculations page appears, as shown below.

Figure 2.12

Shipping Calculations Setup Page

From the Shipping Calculations setup page, you can start a domestic or an international shipping wizard.

Adding One or More Shipping Methods for a Shipping Region Using a Wizard

Whenever you add a shipping method, you use one of two wizards to step you through the process. The domestic shipping wizard lets you configure shipping regions within the U.S., and the international shipping wizard lets configure foreign shipping regions. Shipping wizards let you configure a shipping region and all the shipping methods for it at one time.

You can start a shipping wizard in one of two ways:

l	Click the Start button from the Shipping Calculations setup page, as shown in Figure 2.12 , “Shipping Calculations Setup Page.

l	Click the Add Another Shipping Method link from the Shipping Calculations review page, as shown in Figure 2.14 , “Shipping Calculations Review Page (U.S. Merchants Only).

The steps in domestic and international shipping wizards are the same.

Figure 2.13

Page Sequence in a Shipping Wizard

1.	Setting Up the Shipping Region for a Shipping Wizard. Select the U.S. states or the foreign countries for the shipping region, and select the currency in which you want to price the shipping rates for the shipping region.

2.	Configuring the Shipping Methods Within the Region of a Shipping Wizard. Select a name and delivery time frame, a rate basis, and fill in the rate table. Repeat this step to configure all of the shipping methods you want for the shipping region.

3.	Saving the Shipping Methods Configured With a Shipping Wizard. Review the shipping region and the shipping methods, and change them if you like before you save them.

The following sections describe each step in more detail.

Setting Up the Shipping Region for a Shipping Wizard

The first step of a shipping wizard lets you select the U.S. states or foreign countries for one or your shipping regions. In addition, you select the currency in which you want to price the shipping rates within the region.

Note:

You can select the currency at the time you add shipping methods and rates. You cannot change the currency later when you edit shipping methods. For more information, see “Shipping Rates and Currencies”.

After you select the U.S. states or foreign countries you want for the shipping region, click the Continue button to proceed to the second step of the shipping wizard.

Configuring the Shipping Methods Within the Region of a Shipping Wizard

As the second step of a shipping wizard, you configure the shipping methods that you want for the shipping region. A shipping wizard lets you configure the name, delivery time frame, rate basis, and rate table of shipping methods.

Repeat the second step of a shipping wizard to create additional shipping methods for the same shipping region. Click the Create Another button after completing the configuration of the current method to begin the configuration of the next one.

After you configure all the shipping methods for the shipping region, click the Continue button to proceed to the third and final step of the shipping wizard.

Saving the Shipping Methods Configured With a Shipping Wizard

As the final step of a shipping wizard, you review the configuration of the shipping region and the configuration of the shipping methods for the shipping region. You can change the shipping region, and you can change and add shipping methods.

In addition, the final step of a shipping wizard lets you enable individual purchase transactions to override the rates for the shipping methods you defined within the shipping region. Select the Override profile shipping method... checkbox to permit individual transactions to override automatic calculation of shipping charges. For more information, see “Overriding Shipping Calculations on Individual Transactions”.

After you review the shipping region and its shipping methods, click the Save Shipping Methods button to preserve the shipping methods that you set up with the shipping wizard. The shipping methods become available to buyers as soon as you save them.

Viewing, Editing, and Adding Shipping Rates

After you set up some shipping regions, methods, and rates, the page sequence is tailored for viewing and editing existing shipping methods, as well as for creating additional regions, methods, and rates.

To begin viewing, editing, or creating additional shipping regions, methods, and rates:

1.	Log in to your PayPal account at https://www.paypal.com.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Shipping Calculations link.

The Shipping Calculations review page appears, as shown below.

Figure 2.14

Shipping Calculations Review Page (U.S. Merchants Only)

4.	From the Shipping Calculations review page, perform one of the following actions:

–	Viewing the Configuration of an Existing Shipping Method. Select the checkbox next to the shipping method and click the View button.

–	Editing the Configuration Settings of an Existing Shipping Method. Select the checkbox next to the shipping method and click the Edit button.

–	Deleting One or More Shipping Methods. Select the checkboxes next to the shipping methods and click the Delete button.

–	Adding One or More Shipping Methods for a Shipping Region Using a Wizard. Click the Add Another Shipping Method link.

Viewing the Configuration of an Existing Shipping Method

To view the configuration of a shipping method:

1.	From the Shipping Calculations review page, select the checkbox next to the shipping method you want to view.

2.	Click the View button.

The View Domestic Shipping Method page or the View International Shipping Method page appears.

3.	From the review page, perform one of the following actions:

–	To change the shipping method, click the Edit Settings button.

–	When you are finished viewing the shipping method, click the Back to Shipping Methods button.

Editing the Configuration Settings of an Existing Shipping Method

To edit the configuration settings of an existing shipping method:

1.	From the Shipping Calculations review page, select the checkbox next to the shipping method you want to change.

2.	Click the Edit button.

The Edit Domestic Shipping Method page or the Edit International Shipping Method page appears.

3.	Change any of the following settings:

Table 2.2

Shipping Method Settings

Setting	Action
Status	Select whether the shipping method is actively used to calculate shipping charges. Possible values are: l Active: the shipping method is available for buyers to choose l Inactive: the shipping method is hidden from buyers
Region	Displays the domestic regions or foreign countries currently selected for the shipping region. To select different regions or countries, click the Change link.
Override shipping methods per transaction	Select whether the shipping rates can be overridden by individual transactions if the information is passed to PayPal with HTML variables in the transaction. Possible values are: l Yes l No Important: Changing the Override shipping methods per transaction.setting of a specific shipping method changes the setting for all U.S. domestic and international shipping methods that use the same currency.
Shipping Method Name	From the dropdown menu, select a name for the shipping method.
Delivery Time	(Optional) From the dropdown menu, select a delivery time.
Based On	Select the rate basis for the shipping method. Possible values are: l By Amount: based on the total amount of the order l By Weight: based on the total weight of items in the order l By Quantity: based on total quantity of items in the order For more information, see “Examples of Rate Bases and Shipping Calculations”
Shipping Rates	Reconfigure the rows in the rate table to change the shipping rates that PayPal uses to calculate shipping charges when buyer select the shipping method. Note: Changes that you make to active shipping methods become effective after a momentary delay.

4.	Click the Save Changes button.

Deleting One or More Shipping Methods

You can delete one or more domestic or international shipping methods at one time. Follow the procedure below in either the Domestic Shipping Methods section or the International Shipping Methods section of the Shipping Calculations review page.

IMPORTANT:

After you delete a shipping method, it cannot be recovered for use in future shipping calculations.

To delete one or more shipping methods:

1.	From the Shipping Calculations review page, select the checkboxes next to the shipping methods that you want to delete.

2.	Click the Delete button.

3.	Click the Yes button in the Delete Confirmation message box.

Examples of Rate Bases and Shipping Calculations

The following examples demonstrate how the different kinds of shipping rates are applied when calculating shipping charges:

l	Calculating Shipping Charges Based on Amount of Purchase

l	Calculating Shipping Charges Based on Weight of Shipment

l	Calculating Shipping Charges Based on Quantity of Items Shipped

Calculating Shipping Charges Based on Amount of Purchase

When you choose Total Order Amount or By Amount as the basis for shipping rates, tiers in the rate table represent increasing ranges of order amounts. Generally, you select By Amount as the rate basis if you want to encourage your buyers to buy more with increasing discounts on shipping charges.

You can choose between specifying a flat rate for each tier or specifying a percentage of the order amount. Click the Flat Rate or the Percent links in the Shipping Rate section to make your choice.

Example 2.1

Flat Rate Shipping Calculations

Assume the following shipping rate table with a basis of By Order and fixed amount pricing selected:

From(EUR)      To(EUR)       Rate(EUR)

0.01           49.99         3.00

50.00          and up        2.00 

The shipping charge for an order amount of õ36.50 EUR is õ3.00 EUR. The shipping charge for an order amount of õ66.50 EUR is õ2.00 EUR This rate structure encourages buyers to purchase more with discounted shipping on larger orders.

Example 2.2

Percentage Rate Shipping Calculation

Assume the following shipping rate table with a basis of By Order and percentage rate pricing selected:

From(JPY)      To(JPY)       Rate(%)

0.01           49.99         5

50.00          and up        4 

The shipping charge for an order amount of ¥36.50 JYP is ¥1.38 JYP (36.50 x 5%). The shipping charge for an order amount of ¥66.50 JYP is ¥2.66 JYP (66.50 x 4%).

Calculating Shipping Charges Based on Weight of Shipment

When you choose Total Order Weight or By Weight as the basis for shipping rates, tiers in the rate table represent increasing ranges of order weights. Generally, you select By Weight as the rate basis if you want to recover your shipping costs.

You can choose between specifying order weights in pounds or kilograms. Click the Lbs or the Kgs links in the Shipping Rate section to make your choice.

Example 2.3

Weight-Based Shipping Calculations

Assume the following shipping rate table with a basis of By Weight:

From(Kgs)      To(Kgs)       Rate(GBP)

0.01           49.99         3.00

50.00          and up        6.00 

The shipping charge for an order that weights 36.50 kg is £3.00 GBP. The shipping charge for an order that weights 66.50 kg is £6.00 GBP.

Calculating Shipping Charges Based on Quantity of Items Shipped

When you choose Total Order Quantity or By Quantity as the basis for shipping rates, tiers in the rate table represent increasing ranges of order item counts. Generally, select By Quantity as the rate basis if all your products have a generally uniform size and weight, such as shoes.

Example 2.4

Quantity-Based Shipping Calculations

Assume the following shipping rate table with a basis of By Quantity:

From           To            Rate(USD)

1              49            3.00

50             and up        6.00 

The shipping charge for an order with 36 items is $3.00 USD. The shipping charge for an order with 66 items is $6.00 USD.

Overriding Shipping Calculations on Individual Transactions

Sometimes you want to set special shipping rates for certain items, such as especially heavy ones that cost more to ship, or services and digital downloads that do not require shipping.

Prerequisites for Overriding Shipping Rates on Individual Transactions

To override your profile-based shipping rates:

l	Enable overrides of your shipping rates; overrides are enabled for new shipping methods by default

l	Set the special shipping rates for individual items or entire transactions with special HTML variables of Buy Now, Donation, Add to Cart, and View Cart buttons

For more information, see “Setting Shipping Charges on Individual Items” and “Setting the Tax for the Entire Cart”.

Disabling the Override of Shipping Rates on Individual Transactions

By default, shipping methods enable the override of shipping rates on individual transactions. You can disable overrides by:

l	Editing any shipping method and changing the Override shipping methods per transaction.setting.

l	Adding a new shipping method and changing the default value of the Override shipping methods per transaction setting

Regardless of how you disable overrides, the override setting you specify for a specific shipping methods applies to the setting for all shipping methods of the same currency.

To enable or disable overrides of a shipping method:

1.	From the Shipping Calculations review page, select the checkbox next to any of the shipping methods for a specific currency.

2.	Click the Edit button.

The Edit Domestic Shipping Method or the Edit International Shipping Method page appears.

3.	For the Override shipping methods per transaction.setting, select one of the following radio buttons:

–	Yes: enables transaction-specific shipping charges to override the shipping rates

–	No: prohibits transaction-specific shipping charges

IMPORTANT:

Changing the Override shipping methods per transaction.setting of a specific shipping method changes the setting for all U.S. domestic and international shipping methods that use the same currency.

4.	Click the Save Changes button.

Automatic Calculation of Shipping Charges (non-U.S. Merchants Only)

You can set up shipping rates in your account profile and let PayPal calculate shipping charges automatically.

To view or modify your shipping rates:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Shipping Calculations link.

The Shipping Calculations page appears, as shown below.

Figure 2.15

Shipping Calculations Page (non-U.S. Merchants Only)

Examples of Cost Methods and Shipping Calculations

The following examples demonstrate how different cost methods are applied when calculating shipping charges.

Calculating Shipping Charges with the Flat Amount Cost Method

When you choose Flat Amount as the cost method for shipping rates, costs for each price range are expressed as fixed amounts.

Example 2.1

Flat Amount Cost Method and Shipping Calculations

Assume the following shipping rates with a cost method of Flat Amount:

 Cost               Price Ranges

õ3,00 EUR     õ0,00 EUR   -  õ49,99 EUR

õ6,00 EUR     õ50,00 EUR  -  and up

The shipping charge for an order price of õ36,50 is õ3,00. The shipping charge for an order price of õ66,50 is õ6,00. This rate structure helps you recover your shipping costs from buyers.

Calculating Shipping Charges with the Percentage Cost Method

When you choose Percentage as the cost method for shipping rates, costs for each price range are expressed as percentages of the actual order price.

Example 2.2

Percentage Cost Method and Shipping Calculations

Assume the following shipping rates with a cost method of Percentage:

   Cost               Price Ranges

5.00 GBP %     £0.00 GBP   -  £49.99 GBP

4.00 GBP %     £50.00 GBP  -  and up

The shipping charge for an order price of £36.50 is £1.83. The shipping charge for an order price of £66.50 is £2.66. This rate structure encourages buyers to purchase more with discounted shipping rates on larger orders

Overriding Shipping Calculation on Individual Transactions

Sometimes you want to set special shipping rates for certain items, such as especially heavy ones that cost more to ship, or services and digital downloads that do not require shipping.

Prerequisites for Overriding Shipping Rates on Individual Transactions

To override your profile-based shipping rates:

l	Enable overrides of your shipping rates for individual transactions; overrides are disabled by default.

l	Set the special shipping rates for individual items or entire transactions with special HTML variables of Buy Now, Donation, Add to Cart, and View Cart buttons

For more information, see “Setting Shipping Charges on Individual Items” and “Setting the Tax for the Entire Cart”.

Enabling the Override of Shipping Rates on Individual Transactions

To enable overrides of shipping rates:

1.	Log in to your PayPal account at https://www.paypal.com.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Shipping Calculations link.

The Shipping Calculations page appears

4.	Click the checkbox labelled Click here to allow transaction-based shipping values to override the profile shipping settings listed above (if profile settings are enabled).

5.	Click the Save button.

Blocking Certain Kinds of Payments

Payment receiving preferences let you block.

l	Payments from U.S. payers without a confirmed address

l	Payments in currencies you do not hold

l	Payments from payers with non-U.S. accounts

l	Payments initiated through the Pay Anyone Subtab

l	Payments by credit card instead of a bank account

l	Payments funded with eChecks

Accessing Your Payment Receiving Preferences to Block Payments

To access your Payment Receiving Preferences to block different types of payments:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Payment Receiving Preferences link.

The Payment Receiving Preferences page appears, as shown below.

Figure 2.16

Payment Receiving Preferences Page

Blocking Payments from U.S. Payers without a Confirmed Address

You can better manage your risk by blocking payments where the payer chooses not to share his Confirmed Address with you. PayPal provides Confirmed Addresses to help you make informed decisions when shipping goods. To be eligible for PayPal's Seller Protection Policy (SPP), and to help reduce your risk of dealing with fraudulent buyers, ship to a buyer’s Confirmed Address.

There are three choices for this preference:

l	Yes: All payments from U.S. payers without a Confirmed Address are blocked. All U.S. payers must provide a Confirmed Address in order to pay you.

l	No: All payments are accepted. To maximize your sales, select No.

l

Ask Me: You can choose whether to accept or deny payment without a Confirmed Address on a case-by-case basis. This option lets decide whether to take on the risk of not having the payer’s Confirmed Address for each transaction. If you accept the payment, it becomes a completed transaction. If you deny a particular payment, the sender of the payment is notified that the payment has been denied and is credited with the payment amount. PayPal does not charge fees for denied payments.

For a detailed description of how Confirmed Address and other settings affect the PayPal billing and shipping addresses, see Appendix B, “Address Handling (U.S. Merchants Only).”

Blocking Payments in Currencies that You Do Not Hold

When you receive a payment in a currency you do not hold, PayPal prompts you to open a balance for that currency, convert it to your primary balance, or deny the payment. Payments in currencies for which you hold a balance are applied to the appropriate balance. You see a summary of each currency balance in your Account Overview page.

There are three choices for this preference:

l	Yes: Accept the payment regardless of the currency in which the payment is made.

l	No, accept them and convert them to U.S. Dollars: Accept the payment but automatically converts to U.S. Dollars.

l

Ask Me: Transaction-by-transaction, you can choose to accept or deny a payment in a currency you do not currently hold. If you accept the payment, it becomes a completed transaction. If you deny a particular payment, the sender of the payment is notified that the payment has been denied and is credited with the payment amount. PayPal does not charge fees for denied payments.

For more informations, see “Managing Currency Balances”.

Blocking Payments from Payers with Non-U.S. PayPal Accounts

Because many international addresses cannot be confirmed, you may choose to block payments from users with non-U.S. PayPal accounts in order to qualify for the Seller Protection Policy.

Blocking Payments Initiated through the Pay Anyone Subtab

You can choose whether or not to receive payments initiated via the Pay Anyone subtab of the Send Money tab on the PayPal website. Selecting this option might help you manage your account, because the payments you receive will be associated with a specific item or transaction that you defined.

If you block these payments, you accept only payments initiated from Buy Now, PayPal Shopping Cart, Gift Certificate, Subscription, and Donation buttons, as well as Winning Buyer Notification, Mass Payments, Money Requests, Smart Logos, or eBay Checkout Payments.

Blocking Payments by Credit Card Instead of Bank Account

You can force people to pay you with a bank account or funds in their PayPal balances if they are able to do so. However, if they cannot pay using a bank account or their PayPal balances, they still have the option to pay with a credit card.

This preference can also help to reduce your risk of chargebacks. Verified members are people who have confirmed their bank accounts with PayPal or who have been otherwise verified by PayPal. Because most Verified members have the option of paying with their bank accounts (via eCheck or Instant Transfer), this preference does not prevent them from sending you money. When they pay with PayPal’s Instant Transfer, you receive the payment instantly, just as when they pay with a credit card. Members who have not confirmed their bank accounts with PayPal can still send you money funded by credit cards.

Blocking Payments Funded with eChecks

You can block payments from PayPal members who pay with eChecks. Because eCheck payments take three to four business days to clear, you might want to block them for your Instant Purchase and Buy Now buttons.

If you choose to block these payments, users who attempt to pay via eCheck are prompted to add a credit card to their account before completing the transaction.

If you choose not to block these payments, you can receive eCheck payments through PayPal Website Payments or Auction Logos. eCheck payments are listed as Pending and are not credited to your PayPal account for three to four business days.

Adding Your Credit Card Statement Name

When PayPal members pay with credit cards on file with their PayPal accounts, the transactions appear on their credit card statements in the following format in the description:

PAYPAL*MERCHANT

By default, MERCHANT is:

l	For premiere accounts, the mailbox name of the email addressed that you specified when you signed up your account.

l	For business accounts, the business name that you specified when you signed up for your account.

The value you specified is converted to all upper-case letters, spaces are removed, the result is truncated to eleven characters. The result is stored in your account profile as your Credit Card Statement Name

The default value for your Credit Card Statement Name may be difficult for payers to understand. To reduce chargebacks and payer confusion, replace the default Credit Card Statement Name with one that accurately reflects your business or legal name.

To specify your Credit Card Statement Name:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Payment Receiving Preferences link.

The Payment Receiving Preferences page appears.

4.	Scroll down the page to the Credit Card Statement Name section, as shown below.

Figure 2.17

Specifying Your Credit Card Statement Name

5.	Change the following settings:

Table 2.3

Shipping Method Settings

Setting	Action
Credit Card Statement Name	Enter up to 11 characters and spaces. Do not include special characters, such as “&,” “#”, or “_”. The value is converted to all capital letters and might be truncated by some credit card processors.
Extended Credit Card Statement Name	Enter up to 19 characters and spaces. Do not include special characters, such as “&,” “#”, or “_”.The value is converted to all capital letters and might be truncated by some credit card processors.

6.	Scroll to the bottom of the page and click the Save button.

Language Encoding Your Data

Websites that use PayPal in different parts of the world work with different languages and different character encoding schemes. PayPal refers collectively to these differences as language encoding.You can set the default language encoding that your website uses to exchange data with PayPal. The default settings are used for all transactions sent from your website to PayPal and all automated notifications sent from PayPal to your website. You can override the default settings on individual transactions with the charset HTML Form variable.

For more information on overrides, see “Setting the Character Set: charset”.

About Language Encoding for Exchanging Data with PayPal

Computer systems represent human languages in terms of character sets and character encoding.

Character Sets

A character set is a defined set of individual letters and symbols used in a particular language. For instance, the ASCII character is commonly used to define the character in written American English. The Big 5 character is commonly used to define the characters in written Chinese.

Character Encoding

Character encoding is the way a computer system represents internally the letters and symbols of a particular character set. Computers use internal representation to store, transmit, and process data.

Different character encoding schemes define the number of bytes each character requires and the pattern of on/off bits that identify a particular character. For example, single-byte encoding schemes, such as ANSI and extended ASCII, allocate one byte for each character or symbol in character set for Western European languages. Other encoding schemes, such as Unicode and UTF-8, allocate several bytes for each character in their character sets.

Changing Your Default Language Encoding

Your Language Encoding preferences let you can control which language and encoding scheme is used to exchange data between your website and PayPal. When you sign up for a PayPal account, the system determines your default language and encoding based on your country of origin. For example, if you sign up with a French postal address, your language and encoding are set for Western European languages.

You must set your language encoding preferences to match the language and encoding that your website uses. Otherwise, data cannot be exchanged with PayPal. Generally, the default selected by PayPal is appropriate. In some cases, particularly in Asian countries or with certain operating systems, the language and/or encoding may not match those used by your website.

You can set these language encoding preferences.

l	Your website’s language: the character set used on your website, such as Western European, Japanese, or Russian

l	Encoding: the character encoding used on your website, such as UTF-8, EUC-JP, or KOI8‑R.

Note:

For a complete list of supported language encodings, see “Table 10.2, “Character Sets and Encodings Supported by PayPal”.

Changing Your Default Website Language

To change your website language:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Language Encoding link.

The Language Encoding page appears, as shown below.

Figure 2.18

Language Encoding Settings: Language Choice

4.	From the Your website’s language dropdown menu, select an appropriate setting.

5.	Click the Save button.

Changing the Character Encoding Used by Your Website

Sometimes setting your website’s language is insufficient to set the language encoding correctly. You may need to specify the character encoding explicitly. In addition, you may need to select separately the encoding for data that your website sends to PayPal with Website Payments Standard buttons and the data sent by PayPal through IPN, downloadable logs, and email notifications.

To change the character encoding used by your website:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Selling Preferences column, click the Language Encoding link.

The Language Encoding page appears, as shown in Figure 2.18 .

4.	Ensure that setting for Your website’s language is correct.

5.	Click the More Options button.

The More Encoding Options page appears, as shown below

Figure 2.19

Language Encoding Settings: Encoding Options

6.	From the Encoding dropdown menu, select the appropriate character encoding scheme for data that your website sends to PayPal.

–	If you want to use the encoding scheme for receiving data that PayPal sends to your website, ensure that the Yes radio button is selected.

–	If you want to use a different encoding scheme, select the No radio button and select the encoding scheme you want to use to receive data from PayPal from the No, use dropdown menu.

7.	Click the Save button to preserve both the encoding options that you selected on this page and the website language you selected on the previous page.

IMPORTANT:

You can click the Cancel button to return to the previous page and review your choice for website language. However, selections that you made on the More Encoding Options page are lost.

Allowing Multiple Users to Access Your PayPal Account

If you have a PayPal business account, you can set up multiple logins with different permissions to allow multiple people in your organization to access your PayPal account. Multi-user access lets you give different employees access to different parts of your account, based on their business functions.

For example, you can give your customer service representatives their own logins with limited privileges that let them only view balances and make refunds but not let them edit profiles, send money, or withdraw funds.

IMPORTANT:

Remember to remove user logins for people who leave your organization.

Adding a User Login to Your Account

To create a user login for your PayPal business account:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Account Information column, click the Multi-User Access link.

The Multi-User Access-Current Users page appears.

4.	Click the Add User button if you have not added users yet, or the Add button if already have additional users on your account.

The Add Users page appears.

5.	Enter information in the following settings:

Table 2.4

New User Login Settings

Setting	Action
User’s Name	Enter the first and last name of the person to whom you want to give access to your account.
User ID	Enter a combination of between 10 and 16 letters and numbers.
Re-enter User ID	Enter the same combination of letters and numbers that you entered for User ID.
Password	Enter a combination of between 8 and 20 letters and numbers.
Re-enter Password	Enter the same combination of letters and numbers that you entered for Password.
Multi-User Access	Select any of the checkboxes to grant the user specific privileges within your account: l Send Money l Mass Payments l Request Money l Add Funds l Refunds l Withdraw Money l Cancel Payments l View Balance l View Profile l Edit Profile l History and Reports l API Activation & Authorization l Discuss Account with Customer l Authorization & Settlement l PayPal Shipping l Recurring Payments

6.	Click the Save button.

Changing the Privileges for a User Login

After you add a user login, you can change the privileges of the login. You cannot change the user’s name or the user ID.

To change the privileges of a user login:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Account Information column, click the Multi-User Access link.

The Multi-User Access - Current Users page appears, as shown below:

Figure 2.20

Multi-User Access - Current Users Page

4.	Select the radio button next to the User Name, and click the Edit button.

The Change Multi-User Access page appears, with the User Name and User ID displayed as read-only text.

5.	Select and deselect checkboxes for the privileges you want to grant to or revoke from the user login.

6.	Click the Save changes.

Resetting the Password for a User Login

When employees forget or loose their passwords, you can log in and reset them.

To reset the password for a user login:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Account Information column, click the Multi-User Access link.

The Multi-User Access - Current Users page appears.

4.	Select the radio button next to the User Name for the user login, and click the Change Password button.

The Change User Password page appears, with the User Name and User ID displayed as read-only text.

5.	Enter a new password for the user login:

Table 2.5

Change User Login Password Settings

Setting	Action
Password	Enter a combination of between 8 and 20 letters and numbers.
Re-enter Password	Enter the same combination of letters and numbers that you entered for Password.

6.	Click the Save button.

Removing a User Login

When someone leaves your organization, you should remove the person’s user login from your account.

To remove a user login:

1.	Log in to your PayPal account at https://www.paypal.com.

The My Account Overview page appears.

2.	Click the Profile subtab.

The Profile Summary page appears.

3.	In the Account Information column, click the Multi-User Access link.

The Multi-User Access-Current Users page appears.

4.	Select the radio button next to the User Name for the user login, and click the Remove button.

The Remove User page appears, with the User Name and User ID displayed as read-only text.

5.	Click the Remove button to permanently remove the user login from your account, or click the Cancel button to retain the user login.

Handling Multiple Currencies

PayPal helps you handle multiple currencies in the following ways:

l	Managing Currency Balances

l	Accepting or Denying Cross-Currency Payments

Managing Currency Balances

Use the Currency Balances section of your account profile to manage your currency balances, including:

l	Selecting your primary currency balance

l	Opening or closing currency balances

l	Converting funds from one currency balance to funds in another currency balance.

People can pay you in the following currencies; you maintain PayPal balances only in those currencies that you specify.

Table 2.6

Currencies Allowed for Transactions and Balances

Currency	ISO-4217 Code
Australian Dollar	AUD
Canadian Dollar	CAD
Swiss Franc	CHF
Czech Koruna	CZK
Danish Krone	DKK
Euro	EUR
Pound Sterling	GBP
Hong Kong Dollar	HKD
Hungarian Forint	HUF
Japanese Yen	JPY
Norwegian Krone	NOK
New Zealand Dollar	NZD
Polish Zloty	PLN
Swedish Krona	SEK
Singapore Dollar	SGD
U.S. Dollar	USD

Note:

Use the IS0-4217 code for the currency_code HTML variable of HTML buttons with monetary amounts in currencies in other than USD.

Accepting or Denying Cross-Currency Payments

You choose which currencies you accept and how you would like to accept them. You can set your Payment Receiving Preferences to handle cross-currency payments. See “Blocking Certain Kinds of Payments”.

When people make payments in currencies that you hold, the funds appear in your account in the balance of that currency. When people make payments in currencies that you do not hold, you can accept or deny the payments.

Figure 2.21

Accepting or Denying a Cross-Currency Payment

Receiving fees are assessed in the currency in which the funds were sent. Payments converted to your primary currency are converted at a competitive exchange rate.