When a Direct Payment call is made, the merchant provides PayPal a user ID, password, API certificate, and the following information to process the debit and credit card transaction:

• Billing information, such as name, address, and email
• Item information, such as item name, quantity, and price
• Transaction information, such as transaction amount, shipping, and tax
• Debit and credit card information, such as debit and credit card number, expiration date, and CVV2
• Security information, such as IP address and session ID

PayPal processes the transaction in real time and sends back the following information:

• Transaction status indicating whether the transaction was successful or if the transaction failed
• Error logging in case the transaction failed
• CVV2 responses

PayPal’s Direct Payment product can also be used to capture funds at the time of authorization, or to authorize funds, or to capture funds through a delayed settlement (does not apply to Maestro transactions).

Note: Direct Payment is not a stand-alone product. You are required to use Direct Payment and Express Checkout together. For more information on Express Checkout, please refer to the Express Checkout manual.