Simplify online sales with PayPal’s all-in-one payment solution

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In this guide, we’ll explore the importance of a complete payment solution, including how it can help streamline operations, increase customer loyalty, improve security and ultimately, drive conversions.

What is a complete payment solution?

An all-in-one online payment solution is a single platform that provides merchants with all the features and tools needed to quickly and easily accept various payment methods online, manage sales and mitigate risk from one place.

For small merchants in particular, an all-in-one payment solution can mean not so much time spent on paperwork and lots of time spent with customers. By centralising settlements, you no longer need to waste time toggling between multiple portals or feeds as almost everything lands in one unified dashboard, streamlining reconciliation and cutting admin burdens in half.

Faster settlements also can mean fast access to funds and not so much reliance on costly credit lines, with research showing that fast-settlement methods can improve liquidity by up to 70% for SMBs¹.

And because PayPal’s single integration supports new methods (cards, wallets, local schemes) with a click, growing your payment mix becomes a triviality, letting you scale to new markets without the costly migration expenses typically associated with such a move.

It just makes sense.

PayPal’s complete payment solution: all-in-one checkout

PayPal’s payment processing solution includes almost all features available through a standard checkout, such as card processing, plus alternative payment methods, customisable features and risk management tools, all through a single integration.

Checkout is PayPal’s leading single integration that enables merchants to offer, accept, and process several preferred payment methods from around the world, including:

• Credit cards

• Debit cards

• PayPal wallet

• PayPal Pay in 3

• Apple Pay

• Google Pay™

• Additional local payment methods

Available payment methods may vary depending on a merchant’s location and integration method.

Additional features

As a merchant, you want to make the customer journey as smooth as possible. Our solution can help business owners simplify the checkout process with features like:

Global and local payment methods

Offer the ways your customers want to pay, including 20+ local payment methods. Our checkout solutions give you the payment options that your customers prefer, so you never need to miss a sale.

Additional payment methods

Apple Pay and Google Pay™ are fast, simple, and secure ways to pay in millions of places online and in stores. They allow you to offer various ways for your customers to pay.

• Apple Pay is built into Apple Wallet and is available on eligible Apple devices

• Google Pay is a digital wallet platform and online payment system developed by Google and available on Android mobile devices

Save customer payment methods securely

Save payment card details for subsequent purchases from repeat shoppers, so they won't have to enter their payment information again, including for subscriptions and recurring payments.

With payment methods safely stored, you can initiate recurring payments or reduce the steps to purchase, allowing customers to complete their future transactions in just a few clicks.

Real-time account updater

Account updater services automatically keep your stored customers’ card information updated so you won’t miss a sale due to stolen, lost, or expired cards.

What are my benefits?

Managing all your payments in one place can help you gain control over your transaction data. You can also better manage cash flow and get money instantly into your PayPal Business account. That’s because it is easy to see all your transactions, sales, and reporting in one place.

Help manage risk

Spend more time doing business and less time worrying about fraud, thanks to our Fraud and Seller Protection tools on eligible transactions. Fraud Protection covers card payments and digital wallets, in addition to Seller Protection² for PayPal payment methods on eligible transactions.

Our leading security practices underpin and oversee every transaction. PayPal’s solution is PCI DSS–certified at Level 1, meaning data encryption, tokenisation, and simplified compliance are all built in at a foundational level.

• Point-to-Point Encryption (P2PE) scrambles credit or debit card details at every swipe, preventing exposure on your site or device.

• Multi-Layer Fraud Detection uses machine learning algorithms to automatically flag any suspicious patterns in real time.

• Account Updater keeps cards valid by automatically refreshing expired details.

When used together, these controls reduce chargebacks and build customer trust, which is vital for small businesses competing on their reputation as much as on price or convenience.

Help reduce monetary loss with Chargeback Protection

As part of the complete payment solution, you can also opt for Chargeback Protection (for an additional fee) to help monitor your eligible transactions and manage risk. Chargeback Protection helps reduce the risk of fraudulent credit or debit card transactions in real time by evaluating whether to approve or decline each transaction.

If one turns out to be fraudulent or results in an item not received dispute, and you provide the required evidence, we’ll waive the chargeback fee and purchase amount on eligible transactions. Limits apply.

How to decide if PayPal’s all-in-one solution is right for your business

When choosing an all-in-one payment solution, you need to start by mapping out your needs, and that means asking the right questions. For example, do you accept multiple currencies or plan to expand internationally? How will the solution integrate with your existing tech stack? What are your security requirements? Most importantly, what are the specific needs of your customers?

• International Payments: PayPal’s single integration supports a variety of local methods and global cards, ideal for ecommerce stores looking to widen reach.

• Tech Stack: If you already use a commerce platform like Shopify or WooCommerce, PayPal’s prebuilt plugins allow for fast and reliable integration and a speedy setup.

• Security Requirements: If PCI compliance and fraud protection are critical, PayPal’s built-in encryption and risk tools handle the heavy lifting.

• Customer Needs: PayPal tries not to let anything stand in the way of making a sale, with a range of payment options convenient for all customers.

• Cost: PayPal’s volume-based pricing means growing businesses pay proportionally, while enjoying real-time analytics and instant payouts to fuel day-to-day operations.

Bricks-and-mortar retailers can also benefit by adding PayPal POS for smooth in-store and online reconciliation.