PayPal Payments Advanced

PayPal Payments Advanced is a PCI-compliant solution that lets your customers pay by debit or credit card without leaving your site. It includes an embedded checkout page that can be customized to create a seamless and secure checkout experience.

Even customers without a PayPal account can make purchases through the PayPal secure payment gateway. Accepted cards include Visa, MasterCard, Switch/Maestro, and Solo credit cards in the United States and United Kingdom. For additional convenience, PayPal Express Checkout is included with PayPal Payments Advanced.

Payment Services Directive Requirements:
As of September 14, 2019, European banks might decline payments that do not meet PSD2 requirements. To comply with PSD2, PayPal Payments Advanced must be integrated with Cardinal Commerce. To learn more, see 3-D Secure for Payflow.

PayPal Payments Advanced cannot be used for orders created from the Admin of your store.

Requirements

  • PayPal business account
  • If you manage multiple Adobe Commerce and Magento Open Source websites, you must have a separate PayPal merchant account for each website.

Checkout workflow

1 Customer chooses payment method During checkout, the customer chooses to pay with PayPal Payments Advanced. The Pay Now button appears instead of the Place Order button.
2 Pay Now The customer clicks/taps Pay Now, and a PayPal-hosted form appears. The customer enters the card information, and the card is verified. If successful, the order confirmation page appears.
  Pay with PayPal The form also includes the Pay with PayPal button, which redirects the customer to the PayPal site, where payment can be made with PayPal Express Checkout.
3 Troubleshooting If the transaction fails for any reason, an error message appears on the checkout page and the customer is instructed to try again. Any issues are managed by PayPal.

Order processing workflow

Processing orders with PayPal Payments Advanced is the same as for any regular PayPal order. Orders are invoiced and shipped, and credit memos generated for both online and offline refunds. However, multiple online refunds are not available for orders paid with PayPal Payments Advanced.

1 Customer places order In the final stage of checkout, the customer taps the Place Order button.
2 PayPal responds PayPal evaluates the request. If found to be valid, PayPal processes the transaction.
3 Commerce sets order status Commerce receives response from PayPal, and sets the order status to one of the following:
Processing - The transaction was successful.
Pending Payment - The system did not receive any response from PayPal.
Canceled - The transaction was not successful for some reason.
Suspected Fraud - The transaction did not pass some of the PayPal fraud filters. The system receives the response from PayPal that the transaction is under review by Fraud Service.
4 Merchant fulfills order The merchant invoices and ships the order.

Configure your PayPal Account

Before you set up PayPal Payments Advanced in Commerce, you must configure your account on the PayPal website.

  1. Log in to your PayPal business account.

  2. Go to Service Settings > Hosted Checkout Pages > Set Up Menu and complete the following settings:

    AVS No
    CSC No
    Enable Secure Token Yes
  3. Save the settings.

    If you have multiple Commerce websites, you must create a separate PayPal Payments Advanced account for each.

  4. When prompted to create a layout, do the following:

    • At the top of the page, click Customize.

    • Choose Layout C.

    • Click Save and Publish.

  5. Set up an additional user (recommended by PayPal):

Set up PayPal Payments Advanced in Commerce

You can have two PayPal solutions active at the same time: Express Checkout, plus any All-In-One or Payment Gateway solution. If you change payment solutions, the one that was used previously is disabled.

Click Save Config at any time to save your progress.

Step 1: Begin the configuration

  1. On the Admin sidebar, go to Stores > Settings > Configuration.

  2. In the left panel, expand Sales and choose Payment Methods.

  3. If your Commerce installation has multiple websites, stores, or views, set Store View to the store view where you want to apply this configuration.

  4. In the Merchant Location section, select the Merchant Country where your business is located.

    This setting determines the selection of PayPal Solutions that appear in the configuration.

    Merchant country Merchant country

  5. Expand PayPal All-in-One Payment Solution and click Configure for Payments Advanced.

    PayPal Payments Advanced Payments Advanced - Configure

Step 2: Complete the required settings

  1. Expand the Required PayPal Settings section, if needed.

    Payments Advanced Required Settings Required PayPal Settings - PayPal Payments Advanced

  2. (Optional) Enter the Email Associated with your PayPal Merchant Account.

    Email addresses are case sensitive. To receive payment, the email address must match the email address specified in your PayPal merchant account.

    If you do not have a PayPal account, click Start accepting payments via PayPal.

  3. Enter one of the following credentials that you use to log in to your PayPal merchant account:

    Partner Your PayPal Partner ID.
    Vendor Your PayPal user login name.
    User The ID of an additional user who is set up on your PayPal account.
  4. Enter the Password that is associated with your PayPal account.

  5. If you want to run test transactions, set Test Mode to Yes.

    When testing the configuration in a sandbox, use only credit card numbers that are recommended by PayPal. When you are ready to go live, return to the configuration and set Test Mode to No.

  6. If your system uses a proxy server to establish the connection to the PayPal system, set Use Proxy to Yes and do the following:

    • Enter the IP address of the Proxy Host.

    • Enter the port number of the Proxy Port.

      A proxy is used when the server firewall prevents direct access to the PayPal server. In this case, a third-party server is used to relay traffic.

  7. Set Enable This Solution to Yes.

  8. If you want to offer PayPal Credit to your customers, set Enable PayPal Credit to Yes.

Step 3: Set up Advertise PayPal Credit / Advertise PayPal Pay Later (optional)

Starting with the 2.4.3 release, PayPal Pay Later is supported in deployments that include PayPal. This feature allows shoppers to pay for an order in bi-weekly installments instead of paying the full amount at time of purchase. The PayPal Credit experience is deprecated.

Set Enable PayPal PayLater Experience to one of the following:

  • Yes - To setup Advertise PayPal PayLater
  • No - To setup Advertise PayPal Credit
  1. Expand the Advertise PayPal Credit section.

    Advertise PayPal Credit Advertise PayPal Credit - PayPal Payments Advanced

  2. Click Get Publisher ID from PayPal and follow the instructions to get your account information.

  3. Enter your Publisher ID.

  4. Expand the Home Page section.

  5. To place a banner on the page, set Display to Yes.

  6. Set Position to one of the following:

    • Header (center)
    • Sidebar (right)
  7. Set Size to one of the following:

    • 190 x 100
    • 234 x 60
    • 300 x 50
    • 468 x 60
    • 728 x 90
    • 800 x 66

    Advertise PayPal Credit Home Page Settings Advertise PayPal Credit - Home Page

  8. Expand the remaining sections and repeat the previous steps:

    • Catalog Category Page
    • Catalog Product Page
    • Checkout Cart Page
  1. Expand the Advertise PayPal PayLater section.

  2. Set Enable PayPal PayLater to Yes.

  3. Expand the Home Page section.

  4. To place a banner on the page, set Display to Yes.

  5. Set Position to one of the following:

    • Header (center)
    • Sidebar
  6. Set Style Layout to one of the following:

    • Text
    • Flex
  7. For Style Layout Text only, set Logo Type to one of the following:

    • Primary
    • Alternative
    • Inline
    • None
  8. For Style Layout Text only, set Logo Position to one of the following:

    • Left
    • Right
    • Top
  9. For Style Layout Text only, set Text Color to one of the following:

    • Black
    • White
    • Monochrome
    • Grayscale
  10. For Style Layout Text only, set Text Size to one of the following:

    • 10px
    • 11px
    • 12px
    • 13px
    • 14px
    • 15px
    • 16px
  11. For Style Layout Flex only, set Ratio to one of the following:

    • 1x1
    • 1x4
    • 8x1
    • 20x1
  12. For Style Layout Flex only, set Color to one of the following:

    • Blue
    • Black
    • White
    • White No Border
    • Gray
    • Monochrome
    • Grayscale

    Advertise PayPal Credit Home Page Settings Advertise PayPal PayLater - Home Page Settings

  13. Expand the remaining sections and repeat the previous steps:

    • Catalog Product Page
    • Checkout Cart Page
    • Checkout Payment Step
    • Catalog Category Page

Step 4: Complete the basic settings

  1. Expand the Basic Settings - PayPal Payments Advanced section, if needed.

    PayPal Payments Advanced Basic Settings Basic Settings - PayPal Payments Advanced

  2. Enter a Title to identify PayPal Payments Advanced during checkout.

    It is recommended that you use the title Debit or Credit Card.

  3. If you offer multiple payment methods, enter a number for Sort Order to determine the sequence in which PayPal Payments Advanced appears when listed with other payment methods during checkout.

    This is relative to the other payment methods. (0 = first, 1 = second, 2 = third, and so on.)

  4. Set Payment Action to one of the following:

    Authorization Approves the purchase, but puts a hold on the funds. The amount is not withdrawn until it is “captured” by the merchant.
    Sale The amount of the purchase is authorized and immediately withdrawn from the customer’s account.

Step 5: Complete the advanced settings

  1. Expand the Advanced Settings section.

    Advanced Settings - PayPal Payments Advanced Advanced Settings - PayPal Payments Advanced

  2. Set Payment Applicable From to one of the following:

    All Allowed Countries Customers from all countries specified in your store configuration can use this payment method.
    Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key (PC) or the Command key (Mac) and select each country in the list where customers can make purchases from your store.
  3. To write communications with the payment system into the log file, set Debug Mode to Yes.

    The log file for PayPal Payments Advanced is payments_payflow_advanced.log.

    In accordance with PCI Data Security Standards, credit card information is not recorded in the log file.

  4. To enable host authenticity verification, set Enable SSL verification to Yes.

  5. To allow the customer to correct their entry of the three-digit CVV security code from the back of a credit card, set CVV Entry is Editable to Yes.

  6. To require that customers enter a CVV code, set Require CVV Entry to Yes.

  7. To send a confirmation of the payment to the customer, set Send Email Confirmation to Yes.

  8. To determine the method that is used to exchange information with the PayPal server during a transaction, set the URL method for Cancel URL and Return URL to one of the following:

    GET (Default) Retrieves information that is the result of a process.
    POST Provides a block of data, such as data entered into a form, to a data handling process.

    The Cancel URL and Return URL refer to the page where a customer returns after completing or canceling the payment part of the checkout process on the PayPal server.

  9. Complete the following sections, as needed for your store:

Settlement Report Settings

  1. Expand the Settlement Report Settings section.

    PayPal Settlement Report Settings Settlement Report Settings - PayPal Payments Advanced

  2. For SFTP Credentials, do the following:

    • If you have signed up for PayPal’s Secure FTP Server, enter the following SFTP login credentials:

      • Login
      • Password
    • To run test reports before going live, set Sandbox Mode to Yes.

    • Enter the Custom Endpoint Hostname or IP Address.

      By default, the value is reports.paypal.com.

    • Enter the Custom Path where reports are saved.

      By default, the value is /ppreports/outgoing.

  3. To generate reports according to a schedule, complete the Scheduled Fetching settings:

    • Set Enable Automatic Fetching to Yes.

    • Set Schedule to one of the following:

      • Daily
      • Every 3 Days
      • Every 7 Days
      • Every 10 Days
      • Every 14 Days
      • Every 30 Days
      • Every 40 Days

      PayPal retains each report for 45 days.

    • Set Time of Day to the hour, minute, and second when you want the reports to be generated.

Frontend Experience Settings

The frontend experience settings give you the opportunity to choose which PayPal logos appear on your site and to customize the appearance of your PayPal merchant pages.

  1. Expand the Frontend Experience Settings section.

    PayPal Frontend Experience Settings Frontend Experience Settings - PayPal Payments Advanced

  2. Select the PayPal Product Logo that you want to appear in the PayPal block in your store.

    The PayPal logos are available in four styles and two sizes:

    • No Logo
    • We Prefer PayPal (150 x 60 or 150 x 40)
    • Now Accepting PayPal (150 x 60 or 150 x 40)
    • Payments by PayPal (150 x 60 or 150 x 40)
    • Shop Now Using PayPal (150 x 60 or 150 x 40)
  3. To customize the appearance of your PayPal merchant pages:

    • Enter the name of the Page Style that you want to apply to your PayPal merchant pages:

      paypal Uses the PayPal page style.
      primary Uses the page style that you identified as the primary style in your account profile.
      your_custom_value Uses a custom payment page style, which is specified in your account profile.
    • For Header Image URL, enter the URL of the image that you want to appear in the upper-left corner of the payment page. The maximum file size is 750 pixels wide by 90 pixels high.

      PayPal recommends that the image be located on a secure (https) server. Otherwise, a browser may warn that the page contains both secure and nonsecure items.

    • To set the color for your pages, enter the six-character hexadecimal code, without the # symbol, for each of the following:

      Header Background Color Background color for the checkout page header.
      Header Border Color Color for two-pixel border around the header.
      Page Background Color Background color for the checkout page and around the header and payment form.

Step 6: Complete basic settings for PayPal Express Checkout

  1. Expand the Basic Settings - PayPal Express Checkout section.

    PayPal Express Checkout Basic Settings Basic Settings - PayPal Express Checkout

  2. Enter a Title to identify this payment method during checkout.

    It is recommended to set the title to PayPal for each store view.

  3. If you offer multiple payment methods, enter a number for Sort Order to determine the sequence in which PayPal Express Checkout appears when listed with the other payment methods.

    This is relative to the other payment methods. (0 = first, 1 = second, 2 = third, and so on.)

  4. Set Payment Action to one of the following:

    Authorization Approves the purchase and puts a hold on the funds. The amount is not withdrawn until it is captured by the merchant.
    Sale The amount of the purchase is authorized and immediately withdrawn from the customer’s account.
  5. To display the Check out with PayPal button on the product page, set Display on Product Details Page to Yes.

Step 7: Complete Advanced Settings - PayPal Express Checkout

  1. Expand the Advanced Settings section.

    PayPall Express Checkout Advanced Settings PayPal Express Checkout Advanced Settings

  2. To make PayPal Express Checkout available from both the shopping cart and mini cart, set Display on Shopping Cart to Yes.

  3. Set Payment Applicable From to one of the following:

    All Allowed Countries Customers from all countries specified in your store configuration can use this payment method.
    Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key (PC) or the Command key (Mac) and click each country in the list where customers can make purchases from your store.
  4. To write communications with the payment system into the log file, set Debug Mode to Yes.

    In accordance with PCI Data Security Standards, credit card information is not recorded in the log file.

  5. To enable host authenticity verification, set Enable SSL Verification to Yes.

  6. To display a full summary of the customer’s order by line item from the PayPal site, set Transfer Cart Line Items to Yes.

  7. To allow the customer to complete the transaction from the PayPal site without returning to your store for Order Review, set Skip Order Review Step to Yes.

  8. When complete, click Save Config.