Does the PayPal account of sub-blog owners in WPMU need to be business account?
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Does the PayPal account of sub-blog owners in WPMU need to be business account?
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winning
Member
—
30th November 2011 (5 months ago)
Can someone sign up a sub (marketpress) store with their personal paypal account and accept payment from WPMU+marketpress?
Or the sub store owner has to upgrade the personal paypal accoun to a business account in order to setup a sub store in WPMU+marketpress and take payment?
Can someone sign up a sub (marketpress) store with their personal paypal account and accept payment from WPMU+marketpress?
Or the sub store owner has to upgrade the personal paypal accoun to a business account in order to setup a sub store in WPMU+marketpress and take payment?
I do not see " API credentials " in the payment tab for a sub site dashboard. Why is that? (screenshot below). Do I miss anything?
Background info:
WPMU Site
Installled MarketPress
Configured to use PayPal Chained Paymnet (only payment method).
I mean, in the live mode, not the sandbox mode, does sub site (individual store) owner needs a business paypal account in the paymnent tab or a personal paypal account works, too? -- in order to accept payment with marketpress+chained payment setup.
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WPMU DEV Fanatic
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1st December 2011 (5 months ago)
#
Oh, you're using the Chained Payments gateway! Different story then, sorry I didn't think to ask, just assumed you were using the regular PayPal gateway.
Just to mention, in case you haven't already seen it, the following thread provides a great deal of information, including a pdf tutorial of the PayPal X setup process provided by one of our very helpful members: http://premium.wpmudev.org/forums/topic/paypal-x-process
And that said, when using the Chained Payments gateway, sub-sites would only require the email address rather than API details and I do believe that means they won't need a business account.
I've not done anything outside of testing through Sandbox with that, so I'll ask one of the developers over here to be sure.
It would be great if you can post back here if you know someone who has tried a personal paypal account in sub-site (store owner) Payment Setting tab with MarketPress+Chained Payment setup for a live site.
Have you confirmed the following with MarketPress developers? :
when using the Chained Payments gateway, sub-sites would only require the email address rather than API details and I do believe that means they won't need a business account.
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Support Chimp
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16th January 2012 (4 months ago)
#
Hey winning.
You should have a business account for business sales.
when using the Chained Payments gateway, sub-sites would only require the email address rather than API details and I do believe that means they won't need a business account.
Although "You should have a business account for business sales.", from what you have confirmed above, it seems PayPal allows NON-business accounts (Primary Receivers, such as sub site owners) to collect money through Chained Payment as long as:
1. the WPMU network paypal account (Secondary Receiver, who sets up the whole WPMU network and enter his API details in netword admin) is a business account,
AND
2. somebody is paying the paypal service fee.
Primary receivers (subsite owners) can be a personal paypal account instead of a business acount. Do I understand PayPal's position right?
The application owner must have a PayPal Business account. Senders and receivers can have any PayPal account type.
Sorry it was Guest Payments I was thinking of:
Guest Payments
Adaptive payments supports guest payments, which are payments using a sender’s credit card without logging into PayPal to complete the transaction.The sender is not explicitly identified as a PayPal account holder during the transaction and is not required to have a PayPal account.
Each receiver of a guest payment must be a verified PayPal Business Verified or Premier Verified account holder.
As you see the receiver of a guest payment (someone without a verified Paypal Account) must be a verified PayPal Business Verified or Premier Verified account holder.
Thank you Timothy again for digging out all the details :)
I drew a diagram about MarketPress in chained payment mode. Can you check if my understanding is correct? especially for the sub-site admin (primary receiver) part - he could be either non-business or business paypal account and he pays the paypal fee.
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Support Chimp
—
22nd January 2012 (4 months ago)
#
Hey there.
Looks about right to me, the site owner must be a business account. And according to Paypal, the receiver of a guest payment (someone without a verified Paypal Account) must be a verified PayPal Business Verified or Premier Verified account holder.
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Support Kangaroo
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4th February 2012 (3 months ago)
#
Greetings winning :-)
We have not heard back from you as to the status of this issue.
If you are still having an issue with this please let us know so that we may try to get you fixed up as soon as possible by choosing to mark this ticket as unresolved.
This will also bring your ticket up front back in plain view again.
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Support Kangaroo
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6th February 2012 (3 months ago)
#
Greetings winning :-)
more then willing to help when I can.
1. the senders (buyer/shopper) of chained payment (using MarketPress) is a guess payment,
AND
2. the sub-site owner is non-business account
the payment will fail.
Is that right?
It is my opinion that an accurate answer would need to involve the payment method as well to make a final determination of possible failure.
i.e. if the payment is being made with a PayPal account I see no problem nor would I expect the payment to fail with the sub-site owner using non business account.
On the other hand if they payer is using a credit card when the chain payment comes to their turn in the chain and they do not have a business account the payment would then fail because they are not authorized to accept credit cards per PayPal's terms of use and service.
If that is true, is there anyway to disable guess payment in MarketPress?
Not that I am aware of, for this particular question I shall ask the Developer for a possible solution.
if the payment is being made with a PayPal account and the payer does not have any balance in his paypal account, which means he will fund the payment with a credit card after login to his paypal account, in this case,
1. the sub-site owner is using non business account and
2. WPMU network is setup with marketpress + chained payment, and the network owner is business account.
3. payer is using a credit card after login to paypal account.
Can sub-site owner accept this payment by credit card considering his is a non business account?
they say:
"(Adaptive Payments) The application owner must have a PayPal Business account. Senders and receivers can have any PayPal account type. Senders and receivers are not required to have PayPal accounts initially. PayPal prompts a sender to create an account before a payment can be completed. A receiver must create an account to receive the funds after the payment completes. "
My understanding is: The application owner : WP MU network admin who set up the MarketPress in Chained Payment mode. He has a business account. Receiver: primary receiver is sub-site owner, secondary receiver is WPMU network admin. Sender: buyer/shopper/payer.
Please note "any" PayPal account type in PayPal's statement above, "any" means it should include non business account, which means receiver (sub site owner) can be non business account. They even say "Senders and receivers are not required to have PayPal accounts initially."
Any idea of how to interpret "any" here? How this works if primary receiver (sub site owner) is non business account - it seems PayPal allows that (any account)?
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Lead Developer
—
6th February 2012 (3 months ago)
#
That's right. Of course just like normal if a user sends a CC payment to a seller basic account then PayPal will notify them and make them upgrade to collect that money.
1. the payment will not fail, no errors should happen and it would go through fine (money will be deducted from sender's Credit Cart and receiver should get a notification of this transaction).
2. Just the receiver (sub site owner) needs to click the update button inside his PayPal account to upgrade from personal account to premier or business account.
3. the ONLY reason PayPal wants him to upgrade is to officially ask him to pay for the 2.9% fee.
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Lead Developer
—
6th February 2012 (3 months ago)
#
I'm assuming. That's how paypal always handles account upgrades so pretty sure. Additionally, payment would be accepted even if they didn't have a paypal account. All they need to do is put in an email.
Responses (21)
WPMU DEV Fanatic — 1st December 2011 (5 months ago) #
Hi winning,
They'd have to have a business account, through which they'd get the API credentials needed in the Payment tab.
-David
Member — 1st December 2011 (5 months ago) #
Hi David,
I do not see " API credentials " in the payment tab for a sub site dashboard. Why is that? (screenshot below). Do I miss anything?
Background info:
WPMU Site
Installled MarketPress
Configured to use PayPal Chained Paymnet (only payment method).
I mean, in the live mode, not the sandbox mode, does sub site (individual store) owner needs a business paypal account in the paymnent tab or a personal paypal account works, too? -- in order to accept payment with marketpress+chained payment setup.
Thanks :)
WPMU DEV Fanatic — 1st December 2011 (5 months ago) #
Oh, you're using the Chained Payments gateway! Different story then, sorry I didn't think to ask, just assumed you were using the regular PayPal gateway.
Just to mention, in case you haven't already seen it, the following thread provides a great deal of information, including a pdf tutorial of the PayPal X setup process provided by one of our very helpful members:
http://premium.wpmudev.org/forums/topic/paypal-x-process
And that said, when using the Chained Payments gateway, sub-sites would only require the email address rather than API details and I do believe that means they won't need a business account.
I've not done anything outside of testing through Sandbox with that, so I'll ask one of the developers over here to be sure.
-David
Member — 1st December 2011 (5 months ago) #
Thank you David!
It would be great if you can post back here if you know someone who has tried a personal paypal account in sub-site (store owner) Payment Setting tab with MarketPress+Chained Payment setup for a live site.
Thanks :)
Member — 27th December 2011 (4 months ago) #
Hi David,
Have you confirmed the following with MarketPress developers? :
Thanks!
Support Chimp — 16th January 2012 (4 months ago) #
Hey winning.
You should have a business account for business sales.
That is correct. :-)
Take care.
Member — 16th January 2012 (4 months ago) #
Thank you Timothy!
Although "You should have a business account for business sales.", from what you have confirmed above, it seems PayPal allows NON-business accounts (Primary Receivers, such as sub site owners) to collect money through Chained Payment as long as:
1. the WPMU network paypal account (Secondary Receiver, who sets up the whole WPMU network and enter his API details in netword admin) is a business account,
AND
2. somebody is paying the paypal service fee.
Primary receivers (subsite owners) can be a personal paypal account instead of a business acount. Do I understand PayPal's position right?
Support Chimp — 21st January 2012 (4 months ago) #
Hey again.
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_APIntro
Sorry it was Guest Payments I was thinking of:
As you see the receiver of a guest payment (someone without a verified Paypal Account) must be a verified PayPal Business Verified or Premier Verified account holder.
Take care.
Member — 21st January 2012 (4 months ago) #
Thank you Timothy again for digging out all the details :)
I drew a diagram about MarketPress in chained payment mode. Can you check if my understanding is correct? especially for the sub-site admin (primary receiver) part - he could be either non-business or business paypal account and he pays the paypal fee.
Support Chimp — 22nd January 2012 (4 months ago) #
Hey there.
Looks about right to me, the site owner must be a business account. And according to Paypal, the receiver of a guest payment (someone without a verified Paypal Account) must be a verified PayPal Business Verified or Premier Verified account holder.
Take care.
Member — 23rd January 2012 (4 months ago) #
So, if:
1. the senders of chained payment (using MarketPress) is a guess payment,
AND
2. the sub-site owner is non-business account
the payment will fail.
Is that right?
If that is true, is there anyway to disable guess payment in MarketPress?
Support Kangaroo — 4th February 2012 (3 months ago) #
Greetings winning :-)
We have not heard back from you as to the status of this issue.
If you are still having an issue with this please let us know so that we may try to get you fixed up as soon as possible by choosing to mark this ticket as unresolved.
This will also bring your ticket up front back in plain view again.
Joe :-)
Member — 6th February 2012 (3 months ago) #
Hi Joe,
Do you know any the answer to the following question? (same as my last post)
So, if:
1. the senders (buyer/shopper) of chained payment (using MarketPress) is a guess payment,
AND
2. the sub-site owner is non-business account
the payment will fail.
Is that right?
If that is true, is there anyway to disable guess payment in MarketPress?
Thanks :)
Support Kangaroo — 6th February 2012 (3 months ago) #
Greetings winning :-)
more then willing to help when I can.
It is my opinion that an accurate answer would need to involve the payment method as well to make a final determination of possible failure.
i.e. if the payment is being made with a PayPal account I see no problem nor would I expect the payment to fail with the sub-site owner using non business account.
On the other hand if they payer is using a credit card when the chain payment comes to their turn in the chain and they do not have a business account the payment would then fail because they are not authorized to accept credit cards per PayPal's terms of use and service.
Not that I am aware of, for this particular question I shall ask the Developer for a possible solution.
Joe :-)
Member — 6th February 2012 (3 months ago) #
Hi Joe,
That is very helpful :)
When reading your answer, any other case came up:
if the payment is being made with a PayPal account and the payer does not have any balance in his paypal account, which means he will fund the payment with a credit card after login to his paypal account, in this case,
1. the sub-site owner is using non business account and
2. WPMU network is setup with marketpress + chained payment, and the network owner is business account.
3. payer is using a credit card after login to paypal account.
Can sub-site owner accept this payment by credit card considering his is a non business account?
Thanks :)
Lead Developer — 6th February 2012 (3 months ago) #
I doubt it. Also I think premium accounts support CCs.
Ultimately you will need to test, or find out directly from paypal support.
Member — 6th February 2012 (3 months ago) #
Here is how PayPal confuses me:
Over here: https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_APIntro
they say:
"(Adaptive Payments) The application owner must have a PayPal Business account. Senders and receivers can have any PayPal account type. Senders and receivers are not required to have PayPal accounts initially. PayPal prompts a sender to create an account before a payment can be completed. A receiver must create an account to receive the funds after the payment completes. "
My understanding is:
The application owner : WP MU network admin who set up the MarketPress in Chained Payment mode. He has a business account.
Receiver: primary receiver is sub-site owner, secondary receiver is WPMU network admin.
Sender: buyer/shopper/payer.
Please note "any" PayPal account type in PayPal's statement above, "any" means it should include non business account, which means receiver (sub site owner) can be non business account. They even say "Senders and receivers are not required to have PayPal accounts initially."
Any idea of how to interpret "any" here? How this works if primary receiver (sub site owner) is non business account - it seems PayPal allows that (any account)?
Lead Developer — 6th February 2012 (3 months ago) #
That's right. Of course just like normal if a user sends a CC payment to a seller basic account then PayPal will notify them and make them upgrade to collect that money.
Member — 6th February 2012 (3 months ago) #
So,
1. the payment will not fail, no errors should happen and it would go through fine (money will be deducted from sender's Credit Cart and receiver should get a notification of this transaction).
2. Just the receiver (sub site owner) needs to click the update button inside his PayPal account to upgrade from personal account to premier or business account.
3. the ONLY reason PayPal wants him to upgrade is to officially ask him to pay for the 2.9% fee.
Am I right?
Lead Developer — 6th February 2012 (3 months ago) #
I'm assuming. That's how paypal always handles account upgrades so pretty sure. Additionally, payment would be accepted even if they didn't have a paypal account. All they need to do is put in an email.
Member — 6th February 2012 (3 months ago) #
Cool. Thank you Aaron for all the details!
As long as the payment will be accepted and the receiver gets the notification about whatever he needs to collect the money, I am happy :-)
I am going back to create more sites and make more $$$ LOL...
Thank You! WPMU DEV team rocks!
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