Ripple Yogawear: Growing a borderless business the sustainable way

Jul 08 2020 | PayPal editorial staff

Adva Bruner is the founder of Ripple Yogawear, an Israel-based ecommerce startup and sustainable fashion brand for yogis around the world.
When Adva brought together her two passions, sustainable fashion and yoga, she quickly found success selling her line online. Soon, she was seeing about 1000 visitors and 20-60 orders a day. To her surprise, most came from outside her country. And, as her line grew, so did the cross-border payment complexities, like currency conversion and customer trust.
 
See how she navigated this growth with PayPal’s help.

 


Today, Adva continues to raise awareness for sustainable fashion worldwide with the support of PayPal.
 
To learn more about how PayPal can help your business grow internationally – and make customers feel secure – go to paypal.com/business.
 
Article image taken by Liran Kalina.  

Frequently asked questions.

PayPal invoices are easy to create. Just enter your customer’s email address. Then add an item with its quantity and amount. Add as many items as you like. You can include personalized notes, terms and conditions, discounts, or any attachments your customer might need.
When you’re finished, click Preview to see how your invoice will look for your customer.
 

How do I send invoices?

You can send PayPal invoices to any email address in the world. When your invoice is ready, just click or tap the Send button and PayPal’s platform will send an email notification with a secure link to the invoice directly to your customer. If they have a PayPal account, your customer will also receive notifications about the invoice when they log into their account.
 

How do I share invoice links?

You can also share links to invoices directly with your customers. On the desktop experience, click Share link to invoice under the Send action. You’ll get a link that lets your customer view and pay the invoice. You can copy the link and your invoice becomes payable. Then share it by email, text, or messaging app. Because invoices contain your customers’ personal information, don’t share the invoice link on a public site.
To share the link again, copy it from your list of invoices by clicking the three-dot icon for the invoice. Or get the link by opening up the invoice details.
 

How do I send invoices to multiple customers?

Send the same invoice to up to 100 customers by clicking Multiple customers and entering each email address in the Bill to field. We’ll send a separate, payable invoice to each customer.
 

How do I import a batch of invoices?

Create and send a batch of multiple invoices by importing a CSV file. Use our spreadsheet template to fill out the invoice details for each customer. For each invoice, include a customer email address, item name, and item amount. After you import the spreadsheet file, you can view a summary of the imported invoices before sending them. Once you send the file, we’ll email each customer a secure link to pay their invoice. For customer security, PayPal limits the number of invoices you can send in a single day.
Learn more about batch invoices.

Can I manage PayPal Invoicing from my mobile?

You can create, send, and manage invoices on both from desktop computers and mobile phones. You can also send and manage invoices on the go with the PayPal Business mobile app. Get the mobile aft from the Apple Store or Google Play. Learn more.
 

What are quick invoices?

Quick invoices let you send easy, professional payment requests on your mobile phone. They streamline invoice creation so you can quickly share a link to an invoice with your customer. Your customer will still get a professional invoice including your default business information.

On a mobile phone web browser:

1. Log into PayPal and go to your invoices.
2. Tap on the button icon in the lower right.
3. Choose Send a quick invoice, enter an amount, and payment description.
4. Tap Create and Share Link.
5. When your invoice link is ready, tap Share Link, and then share it by email, text, or messaging app.
 
On the PayPal Business mobile app:

1. Tap on the lightning bolt-shaped Quick Actions icon in the lower right.
2. Choose Send a Quick Invoice and follow prompts.
3. Tap Create and Share Link, then share it by email, text, or messaging app.
4. Tap Done.
 

How do invoices for shippable items work?

If you’re shipping an item or need your customer to give a shipping address, check the Ship Order box when you’re creating your invoice. You can then add any shipping costs. When your customer pays, you’ll be able to add tracking information when you ship their order.
 

How do I schedule recurring invoices?

You can set invoices to repeat weekly, monthly, yearly, or at a custom interval. When you start a recurring series of invoices, the customer will immediately receive the first invoice. (You also can schedule the recurring series to start at a future date.) The following invoices in the series will issue around 7:00 AM in your time zone according to frequency that you set.
 

Can I cancel a recurring invoice series?

 You can cancel a single invoice within a recurring series or the entire series of invoices. To cancel an invoice, tap the three-dot icon for the invoice within your list of invoices. You can also cancel the invoice from its details page. When you cancel an invoice within a recurring series, we’ll ask if you want to cancel the single invoice or the entire series.
 

How do I send invoices across national borders?

There’s no extra step to send invoices across national borders. You can send PayPal invoices to any email address in the world.
If your customer has a PayPal account, we’ll display the invoice and email notification in their preferred language. If your customer doesn’t have a PayPal account, we’ll send the invoice and notification email in the language of your account. You can also specify a different language by editing your customer’s contact info when you create the invoice.
Fees vary by country or region. See seller fees.

PayPal Business app lets you manage your business and get paid on the go. Regardless of the size of your business or the type of PayPal account you have, this app could be useful to you. You can download the app from the iOS App Store or Google Play.

Key features of the Business app include:
  • Withdraw money to your bank account.
  • Create and send invoices.
  • Have easy access to your customers' information as well as contact them by phone, email or text.
  • View transaction details and search for transactions.
  • Provide refunds.
If you're interested in sending PayPal payments on the go and keeping track of your money easily, check out the PayPal app for consumers.
A buyer recently opened a case for a transaction they made with you. We encourage you to work with the buyer through the Resolution Centre to resolve this problem. Most problems can be solved with good communication with your buyer. Look for any emails from your buyer or messages for the case in the Resolution Centre.

Disputes over transactions are a normal part of business. Most cases can easily be resolved through open communication. If the issue cannot be resolved, the buyer can escalate this case. However, if you can’t come to an agreement with your buyer and you need us to help you, you can also escalate your case within 20 days from the date the buyer created the original case.

To escalate your case to a claim, you can go to the Resolution Centre and click on the case, and then click Escalate to PayPal.

What exactly is PayPal changing?  

PayPal historically supported the capability for some merchants to allow users to amend orders in the context of checkout to add (or remove) services like shipping fees or taxes. While the user consents to the final amount in the merchant Checkout, this wasn't completed in a session with PayPal.   

Example: 

  • Merchant sends the buyer to PayPal to authorize a transaction of 100.00 EUR.  

  • Consumer reviews and authorizes the transaction at PayPal for 100.00 EUR.  

  • Consumer returns to the merchant site where the transaction amount increases to 110.00 EUR due to the addition of shipping, taxes, FX conversion, etc.    

Effective April 2022, PayPal will obtain an authorization from each customer for the maximum amount of transaction before redirecting a customer to the merchant. If the merchant captures more than the authorized amount, the transaction will be declined.  

This will impact all global merchants (for both domestic and international transactions) that sell to PayPal buyers from the countries subject to PSD2 (i.e., EEA). 

Why is PayPal making this change?  

Strong Customer Authentication (SCA) requirements, which are part of the Second Payment Services Directive (PSD2) mandate additional authentication measures and restrictions to be performed on electronic transactions involving consumers (buyers) from the PSD2 countries. 

The changes are in response to the below principles set by The European Banking Authority (EBA) for transactions where the final amount is unknown.  

  • The final transaction amount can't be higher than the authenticated amount: “If the final amount is higher than the amount the payer was made aware of and agreed to when initiating the transaction, the payer’s PSP shall apply SCA to the final amount of the transaction or decline the transaction.”   

  •  The final transaction amount may be lower than the authenticated amount: “If the final amount is equal to or lower than the amount agreed in accordance with Article 75(1) of PSD2, the transaction can be executed and there is no need to re-apply SCA, as the authentication code would still be valid in accordance with Article 5(3)(a) of the [RTS].” 

What regions are impacted?    

This impacts Merchants globally (for both domestic and international transactions) selling to buyers from the EEA (PSD2 countries). 

My business is not based in EU, why do I have to comply?   

Any merchant who is selling to buyers from the EEA region (PSD2 countries) will be impacted. The impact is determined on the consumers (or buyers) country and not on the merchant country. 

Does this impact all my PayPal, Venmo, Braintree transactions?  

The current impact is only on PayPal wallet transactions, i.e. merchants who are integrated on PayPal Branded XO. This can be direct PayPal integration or through Braintree. There's no impact for Venmo transactions because Venmo is not offered to EU consumers.  

For direct card transactions (Unbranded DCC), the card issuer will automatically be rejecting transactions above what was approved by the consumer during the 3DS review.   

When will this change take effect?   

PayPal is perusing a slow ramp starting from April. Some merchants may start seeing declines for sales to buyers where PSD applies, if the final captured amount is more than the buyer authorized amount.  

I over charge regularly as part of my business model, what should I do now?   

  • To minimize the declines, PayPal will leverage in-house machine learning algorithm estimate for a higher amount and authorization the consumer for the same. Only if the merchant requested amount is higher than the estimated authorized amount would the transaction be declined. 

  • In case of a decline, PayPal would be returning an existing error code (refer below table) requesting the merchant to send the buyer for a re-review and this review would happen with the new amount. Post the successful buyer review the merchant can reattempt the capture. 

  • In future, we encourage you to initiate the transaction with an amount inclusive of shipping, tax, etc. so that PayPal wouldn't have to decline the transaction later during the payment lifecycle. 

Decline Error Codes When Requested Amount Exceeds What Was Consented 

Legacy NVP & SOAP integrations 

DoExpressCheckoutPayment API 

Error Code: 10486 

SHORT: This transaction couldn't be completed. 

LONG: This transaction couldn't be completed. Please redirect your customer to PayPal. 

DoAuthorization API 

DoReauthorization API 

DoCapture API 

Error Code: 10610 

SHORT: Amount limit exceeded. 

LONG: Amount specified exceeds allowable limit. 


Payments V1 integration 

POST /v1/payments/payment//execute 

HTTP Code: 400 

Name: PAYER_ACTION_REQUIRED 

Message: Transaction cannot be completed successfully, instruct the buyer to return to PayPal. 

POST /v1/payments/orders//authorize 

  

POST /v1/payments/authorization//reauthorize 

HTTP Code: 400 

Name: AUTHORIZATION_AMOUNT_LIMIT_EXCEEDED 

Message: Authorization amount exceeds allowed order limit. 

POST /v1/payments/orders//capture 

  

POST /v1/payments/authorization//capture 

HTTP Code: 400 

Name: CAPTURE_AMOUNT_LIMIT_EXCEEDED 

Message: Capture amount specified exceeded allowable limit. 


Orders V2 and Payments V2 integration 

POST /v2/checkout/orders//capture 

  

POST /v2/checkout/orders//authorize 

  

POST /v2/checkout/orders//save 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

  

Issue: PAYER_ACTION_REQUIRED 

Issue Description: Transaction cannot be completed successfully, instruct the buyer to return to PayPal. 

POST /v2/checkout/orders//authorize 

 

POST /v2/payments/authorizations//reauthorize 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

Issue: AUTHORIZATION_AMOUNT_EXCEEDED 

Issue Description: Authorization amount specified exceeded allowable limit. Specify a different amount and try the request again. Alternately, contact Customer Support to increase your limits. Overcharges are not allowed for consumers from PSD2 countries due to local regulations. 

POST /v2/payments/authorizations//capture 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

Issue: MAX_CAPTURE_AMOUNT_EXCEEDED 

Issue Description: Capture amount exceeds allowable limit. Please contact customer service or your account manager to request the change to your overcharge limit. The default overage limit is 115%, which allows the sum of all captures to be up to 115% of the authorization amount. Overcharges are not allowed for consumers from PSD2 countries due to local regulations. 

Do I need to make any integration changes?   

No immediate integration change is needed, as long as merchant is redirecting the buyer back to PayPal for a re-review in the event of PayPal declining the transaction with the above-mentioned error codes. 

What is PayPal doing to reduce impact to my business?   

  • PayPal would use inhouse algorithms to detect impacted merchants, compute the potential overage for the transaction and disclose maximum amount (cap) to the consumer during payment authentication on PayPal.  

  • The computation of the overage is based on multiple factors like transaction amount, previous overage trends, zip code of the consumer and merchant, etc.  

  • Once the consumer consents to the higher amount cap at PayPal, the merchant would able capture up to that amount.  

  • If the merchant requested capture amount exceeds the consumer consented maximum amount, then PayPal would decline the request using existing error codes and the merchant would need to send the consumer to PayPal for a rereview or attempt a capture with the previously approved amount.  

How do I know what over charge threshold PayPal have presented to my customer?  

Merchant won't have visibility on the maximum amount threshold their customers will be presented with. 

If a payment is declined, what should I do?  

In case of a decline, PayPal would be sending an existing error code requesting the merchant to send the buyer for a re-review and this review would happen with the higher amount. Post the successful buyer review the merchant can reattempt the capture.  

What error codes will I receive?   

We're reusing existing Decline error codes when the requested amount exceeds what was consented by buyer. Details below:

Legacy NVP & SOAP integrations 

DoExpressCheckoutPayment API 

Error Code: 10486 

SHORT: This transaction couldn't be completed. 

LONG: This transaction couldn't be completed. Please redirect your customer to PayPal. 

DoAuthorization API 

DoReauthorization API 

DoCapture API 

Error Code: 10610 

SHORT: Amount limit exceeded. 

LONG: Amount specified exceeds allowable limit. 


Payments V1 integration 

POST /v1/payments/payment//execute 

HTTP Code: 400 

Name: PAYER_ACTION_REQUIRED 

Message: Transaction cannot be completed successfully, instruct the buyer to return to PayPal. 

POST /v1/payments/orders//authorize 

  

POST /v1/payments/authorization//reauthorize 

HTTP Code: 400 

Name: AUTHORIZATION_AMOUNT_LIMIT_EXCEEDED 

Message: Authorization amount exceeds allowed order limit. 

POST /v1/payments/orders//capture 

  

POST /v1/payments/authorization//capture 

HTTP Code: 400 

Name: CAPTURE_AMOUNT_LIMIT_EXCEEDED 

Message: Capture amount specified exceeded allowable limit. 


Orders V2 and Payments V2 integration 

POST /v2/checkout/orders//capture 

  

POST /v2/checkout/orders//authorize 

  

POST /v2/checkout/orders//save 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

  

Issue: PAYER_ACTION_REQUIRED 

Issue Description: Transaction cannot be completed successfully, instruct the buyer to return to PayPal. 

POST /v2/checkout/orders//authorize 

 

POST /v2/payments/authorizations//reauthorize 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

Issue: AUTHORIZATION_AMOUNT_EXCEEDED 

Issue Description: Authorization amount specified exceeded allowable limit. Specify a different amount and try the request again. Alternately, contact Customer Support to increase your limits. Overcharges are not allowed for consumers from PSD2 countries due to local regulations. 

POST /v2/payments/authorizations//capture 

HTTP Code: 422 

Error: UNPROCESSABLE_ENTITY 

Error Description: The requested action could not be performed, is semantically incorrect, or failed business validation. 

Issue: MAX_CAPTURE_AMOUNT_EXCEEDED 

Issue Description: Capture amount exceeds allowable limit. Please contact customer service or your account manager to request the change to your overcharge limit. The default overage limit is 115%, which allows the sum of all captures to be up to 115% of the authorization amount. Overcharges are not allowed for consumers from PSD2 countries due to local regulations. 

This is going to impact my merchant significantly. Can my business be excluded?   

Unfortunately we can't exclude any merchants from this compliance change. We may get you a short term exception as we help guide you on how to improve your integration. Please contact your PayPal Support Team.

What reporting is available for me as a business to monitor the impact of increased declines?  

No new dashboards have been built as part of this program.

I need technical support; how do I access it?   

Please reach out to your Customer Success Manager/Integration Engineer/Customer Service for support.
 

You can learn more about the second Payment Services Directive (PSD2) regulation here.  

The contents of this site are provided for informational purposes only. The information in this article does not constitute legal, financial, IT, business or investment advice of any kind and is not a substitute for any professional advice. You should always obtain independent, professional accounting, financial, IT and legal advice before making any business decision.