The many ways PayPal can support your business.

Aug 09 2022 | PayPal editorial staff

From coast-to-coast and around the world, small business owners are constantly finding ways to successfully adapt and grow their business with the right tools.

Whether you're selling online, offline, or some combination of the two, our payments processing and business tools help you accomplish a central part of doing business: getting paid.  
So you can, for example, seamlessly sell your perfected salsa online, safely in your local storefront, and at the annual jalapeno festival. you don’t pay setup fees or commit to any long-term commitments . Below is a breakdown of the PayPal solutions that you can put to work for your small business.


Here’s to making buying and selling easier with PayPal.

Think of PayPal as your small business partner – we help you do business almost anywhere. Take orders for your salsa online with our credit card processing system, sell excess mixers on an online marketplace, accept payments for sales at the local fair with a mobile point of sale or QR code, and email invoices to clients for catering – all with PayPal. As your end-to-end commerce partner for platforms and marketplaces, PayPal delivers a complete payments platform with the global scale and flexibility your business needs to help you stay competitive. We’re here to help you reach more customers and make it easy for you to get paid, however you do business.


Sell online easily.

Last year, US ecommerce sales grew more than 30 percent year-over-year. As a result, businesses who shifted to online sales tended to fare better than their non-digital counterparts. With fraud protection tools, data security, and reliable customer service, PayPal is a trusted partner for your ecommerce business. Whether you just want to add PayPal as a payment option to your existing checkout or use PayPal to process all of your online payments.

PayPal Checkout is a one-and-done payment solution that lets your business accept a range of payment types. Whether you choose something simple or need a completely custom integration, PayPal Checkout will intelligently present the most relevant payment types to your customers, making it easy for them to pay using PayPal, Venmo1, PayPal Credit2, PayPal Pay in 43, their credit or debit card, and other payment methods.

If you're looking for something simple that you can implement yourself, try creating a payment button. Setup takes just minutes and includes basic customizations like changing the button’s alignment, shape, and colors. By copying prebuilt code and pasting it next to the products or services you want to sell on your website, you can start accepting payments right away–no developer help required. When customers check out, they pay securely on PayPal.com before returning to your site.

When you want to fully integrate a more robust checkout process into your website, PayPal Checkout has an integration with the features you’re looking for. You can choose everything from the colors to the layout and language, designing a checkout process that is completely customized for your business.

In addition to online orders, PayPal Checkout lets you process credit card payments over the phone, by fax, or by mail with Virtual Terminal. Virtual Terminal allows you to enter a customer's credit card information directly into your PayPal account, so you can be flexible and accept payments in the way that's most convenient for your customer.

Sell on-the-go or in-store
Meeting customers where they are is essential to keeping your business relevant for the times, and it means adapting to changing consumer behavior and buying preferences. Our mobile payment system, PayPal Zettle, lets you accept credit and debit magstripe cards, chip cards, and contactless payments like Apple Pay. In addition to accepting payments, Zettle can help you streamline your operations with features to manage inventory, generate sales and performance reports, and more.


With PayPal QR codes, there's no need for you or your customers to handle cash or cards. This option allows customers to pay by simply opening the PayPal app and scanning your unique code, and you receive payment quickly. Your PayPal QR code is free to create, reusable, and never expires. (Limits Apply. See all merchant fees here.)

Manage cash flow and business expenses.
 With PayPal Invoicing, you can generate professional-looking invoices in minutes. The online invoices make it as easy for your customers to pay as it is for you to create and track.

The contents of this site are provided for informational purposes only. You should always obtain independent, professional accounting, financial, and legal advice before making any business decision.
 
1The ability to accept Venmo as a payment option is currently available with mobile-web checkout only in the US, and only with eligible businesses.
 
2PayPal Credit is subject to consumer credit approval.

3About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457.


 

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Frequently asked questions.

The PayPal Developer Portal offers support for developers who have questions about technical topics, such as APIs or integration. Below is a list of common topics searched for by developers. You can also browse and search on the Developer Portal for additional topics.

Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.

Identity API
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.

Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.

Invoicing
Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.

Mobile SDK
Accept PayPal, credit cards and other payments methods through mobile apps.

Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.

PayPal Checkout
PayPal Checkout gives your buyers a simplified and secure checkout experience that keeps them local to your website or mobile app throughout the payment process.

Payflow Gateway
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.

PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.

Shopping Carts
The shopping cart system allows buyers to select multiple items on your website and pay for them with a single payment.

Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.

SOAP
The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).

Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.

Virtual Terminal
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.

Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.
 
PayPal Payments Standard
You can accept credit cards online easily and offers a streamlined checkout experience to customers using mobile devices.
Virtual Terminal is bundled with our customizable payment solution, PayPal Payments Pro. Virtual Terminal allows merchants to accept payments virtually anywhere they have Internet access, with no card swipe or software to install, and is ideal for merchants who receive orders by phone, fax, or face to face.

Virtual Terminal has these features and benefits:
  • Grow your business – Process payments for major credit and debit cards. Extend your reach to customers who prefer not to pay online, including customers without a PayPal account.
  • Process payments anywhere – Process payments anywhere through any device with an Internet connection and a web browser.
  • Zero setup – Virtual Terminal requires no coding or specific software installation to get started.
  • Use PayPal as a one-stop payment solution and more – Process your customers' orders through a PayPal-hosted online payment form along with a set of tools for intuitive reporting; printing shipping labels and packing slips; and printing or emailing transaction receipts.
  • Process multiple payments simultaneously – You can launch multiple Virtual Terminal instances to process payments, as in the case of a call center or during heavy demand.
Note: PayPal's Seller Protection Policy doesn't apply to transactions processed using Virtual Terminal.

Here’s how it works:
  1. Log in to Virtual Terminal. When you're ready to process a payment, go to your App Center and click the Virtual Terminal tile.
  2. Enter the order. Enter the order details and credit or debit card information. If you're mailing an item, include the shipping information.
  3. Complete the transaction. You'll receive a confirmation for successful transactions. You'll then have the option to print a receipt or packing slip, email the receipt to your customer, or process another payment.
  4. Get paid. Once approved, the money shows up in your PayPal account, usually within minutes. From there, transfer it to your bank account, spend it wherever PayPal is accepted, or use your PayPal Business Debit Mastercard® at the ATM or in stores. You have fast access to your PayPal account, plus the PayPal Business Debit Mastercard offers 1 percent cash back on eligible purchases (It requires enrollment. Cashback applies to signed transactions only.)
Virtual Terminal costs $30/month USD, with no setup, termination, or withdrawal fees. 
 
Go to our Fees page for more information

If you encounter any issues when signing up or processing payments, reach out to Merchant Technical Support.

See also:
What must I do to start using Virtual Terminal?
How do I enter and process transactions in Virtual Terminal?

Our Business page contains information about the business solutions that we offer.

Magento has announced that it is ending support for all versions of its Magento 1 ecommerce platform, including all future quality fixes and security patches, as of June 30, 2020.

You must migrate to Magento 2 or another platform before June 30, 2020, if you are currently integrated with Magento 1.
 
Consequences of not migrating:
  • Increased risk of data breaches, with possible damage to your brand and reputation.
  • Exposure of becoming a security target without any upgrade or security patches.
  • Falling out of compliance with Payment Card Industry Data Security Standards (PCI DSS). These global standards are set by card entities and apply to all merchants that process payments.
Requirement 6 of the PCI DSS requires merchants to "develop and maintain secure systems and applications by installing applicable vendor-supplied security patches." Without future security patches, Magento 1 merchants will no longer be able to meet this requirement, which could result in costly and time-consuming remediation.

This is not a PayPal-specific requirement. PCI DSS requirements apply to your integrations with card payment brands, such as Visa, MasterCard, American Express, Discover, JCB, and any other payment processor on the Magento 1 platform. Visa has stressed that urgent action is required for merchants to migrate from Magento 1 and advised merchants to be aware of their responsibilities in securing their environment to help prevent the loss of payment card data. 

Please review the Magento Commerce Software End of Support FAQ here.
 
Migrate now to Magento 2 or another Partner.
 

What do I need to do?

If you are currently using Magento 1, you must do one of the following by June 30, 2020:
 

Migrate to the Magento 2 platform

Or migrate to another platform

  • See our Partners page for a list of system integrators and e-commerce solution providers.

FAQs

Q: Which versions of Magento 1 are impacted?

A: All versions of Magento 1 are impacted, including Magento Commerce 1 (formerly known as Enterprise Edition) and Magento Open Source 1 (formerly known as Community Edition).

Q: What happens if I continue using Magento 1 after June 30, 2020?

A: On July 1, 2020, your Magento 1.x platform will no longer be supported by Magento, which includes providing security patches critical to maintaining compliance with the Payment Card Industry Data Security Standards (PCI DSS). The global PCI DSS standards require each entity to “develop and maintain secure systems and applications by installing applicable vendor-supplied security patches.” Because Magento is no longer providing security patches, your integration may become more vulnerable to attacks, potentially resulting in impacts on your brand reputation, as well as potential financial impact. 

This is not a PayPal-specific requirement. PCI DSS requirements apply to your integrations with card payment brands, such as Visa, MasterCard, American Express, Discover, JCB, and any other payment processor on the Magento 1 platform. Visa has stressed that urgent action is required for merchants to migrate from Magento 1 and advised merchants to be aware of their responsibilities in securing their environment to help prevent the loss of payment card data.  
 
Magento Association, a separate entity from Magento, has published the following links providing merchants additional information and resources around the call to action for the upcoming June 30th deadline.   
  1. Magento 1 EOL Blog Post 
  2. Magento 1 Post-EOL resources 

Please review the Magento Commerce Software End of Support FAQ here.

Q: If I get the security patches, does that mean I’m compliant? 

A:  The security patches are one step towards ensuring meeting PCI compliance but do not necessarily equal PCI compliance.We strongly encourage migration from Magento 1 before July 1.

Steps you can take to ensure business continuity and no risk to your business or cardholders include migrating off Magento 1 or to ensure applying the security patches, and other actions such as passing PCI reviews with a Qualified Security Assessor (QSA).


Q: What is the cost of migrating to Magento 2?  

A: It depends on the size of your site and the complexity of the build.  We recommend reaching out to Magento. You may also contact System Integrators to discuss pricing options. 

 
Q: How long does it take to migrate to Magento 2 or a new platform?  

A: This is dependent on the requirements of your site, and the ecommerce platform you’re choosing to move to migration can take a matter of weeks, to several months.  We recommend kicking off your migration project as soon as possible.   
 

Q: What is the cost of the other platforms?  

A: It depends on the size of your site and the complexity of the functionality you want to develop.  You will need to contact the one that is the right fit for your business.  


Q: Does this only affect PayPal merchants?

A. No, all payment processing companies, including Visa, are following the same guidance and urgently advising their Magento 1 merchants to migrate to Magento 2 or another platform.

Q: How do I validate my PCI compliance?

A: The PCI Security Standards site provides a Self-Assessment Questionnaire (SAQ) that you can complete to validate your PCI compliance. One of the requirements of the SAQ form is to install vendor-supplied security patches within one month of release. Because Magento is no longer providing security patches after June 30, 2020, you will no longer be able to comply with Requirement 6, stating that you "develop and maintain secure systems and applications by installing applicable vendor-supplied security patches".

Q: Is there a chance the date will extend beyond June 30, especially given the COVID-19 situation?

A: No, Magento has already extended the deadline 18 months from November 2018 to enable merchants time to upgrade. Magento has confirmed that they will stop all support for Magento 1 as of June 30, 2020.

Q: If PayPal processes my card data, do I still need to comply?

A: Yes, even if you outsource part of your PCI DSS compliance to PayPal, you are still required to install security patches within one month of release, which will no longer be possible after June 30, 2020. In addition to these patches, merchants are responsible for meeting all requirements of their PCI DSS compliance.

Q: What resources are available to help me maintain PCI compliance?

A: PayPal has engaged with select System Integrator Partners to help you migrate to Magento 2.

Q: What are the alternate ecommerce solutions?

A: If you’re looking for alternate solutions, you can review our list of Ecommerce Solution Partners.

Q: Is PayPal providing migration support?

A: If you are based in the United States, you can apply for help to finance the move to Magento 2 Commerce Cloud through the Magento Migration Loan, a type of LoanBuilder Loan*, made available through PayPal.
* The lender for LoanBuilder Loan is WebBank, Member FDIC. This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. WebBank is not affiliated with the offer to receive a full credit on the cost of financing and the credit is not part of your credit agreement with WebBank.

Q: What other resources are available?

A: You may find additional information from Magento at:

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