n Peer-to-Peer financing, just as in any other financing models, transparency, trust, reliability, and security are essential in making it a huge success. The PayPal X Payments Platform’s Adaptive APIs provides all those essential features that any application would need in building a solid Peer-to-Peer financing platform. The Split Payments provide transparency, Preapprovals provide trust and security, Adaptive accounts provide validity of user accounts, and the PayPal’s strong and most robust security and fraud detection systems provide the security that any application would need.
9. PayPal X Open Global Payments Platform for developers www.x.com Enables various Monetization Models Subscriptions Pay as you use Free to use, pay to services Freemium eCommerce 3
10. Payments oh my! www.x.com Travelers checks Bill payments Check or draft ACH payment Cards, cards, cards Net-based payments Many others 4
11. PayPal The Sender A person or business whose PayPal account is being credited A person or business whose PayPal account is being debited C The Receiver The API CALLER The API access account who makes the Adaptive Payments service calls: usually owned by the developer For Developers www.x.com 5
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14. Pay: Transfer funds between parties. Supports simple, chained, parallel, preapproved payments, etc.
38. Simple Send Money 8 Basic building block allows merchants to transfer money from one entity to another Sample Use Cases: P2P payments, Social Networks, Gaming applications www.x.com
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40. Allows an API caller to make payments on behalf of a sender within the constraints specified
41. PIN optional for future payments made within the authorized amount
42. Useful for single/multi use, and subscription paymentswww.x.com C Pre Approval Sample Use Cases: Pay as you use, Micropayments for Digital goods, Subscriptions 9
51. Sample Interaction Flow www.x.com A Rental App that allows tenants to pay rent to a property management that splits the payment to the actual owner and the HOA. Owner Tenant Property Management HOA 14
52. API WEB Sender Rental App Pay API Pay Key Redirect User to PayPal Return URL User Name = Rental_admin.api Secondary Receiver [2] = Sec Receiver_2@mail.com Password = keep$secret Amount = 50.00 Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986 Sender Email = john_m@mail.com Cancel URL = www.PayRent.com/home Currency = USD Return URL = www.PayRent.com/apstore Primary Receiver [0] = Prim Receiver@mail.com Amount = 1000.00 Secondary Receiver [1] = Sec Receiver_1@mail.com Amount = 40.00 Request IPN= https://www.Rental.com/IPN Sender Email: john_m@mail.com Receiver Email: PrimReceiver@paypal.com Pay Key = PA-84HK2A57FCOP3RW Response Notification Confidential and Proprietary 15 Confidential and Proprietary 15 15 www.x.com
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54. Account created can be used with any PayPal APIs, including Adaptive Payment APIs
65. Use cases for Adaptive Accounts www.x.com As part of new employee enrollment, business collects information used to create a PayPal account Small Business As part of the onboarding for a buyer and seller, a PayPal account can be created so that the user experience can be localized and personalized Marketplace Create PayPal accounts to enable payments for games, social networking widgets and more Social Media 18
79. accept payments for physical goods, services, donations and P2P “inside” your app20 www.x.com
80. Simple yet Powerful ! Enables Payments Anywhere Trusted and Secure Transactions Fraud and Risk Management Features PCI Compliant (in most cases) Global reach (over 190 countries and 24 currencies) Scalable and Flexible Platform Transparency, Trust, Reliability & Security 21 www.x.com
81. X.Com – PayPal X Developer Portal Technical Docs for all products SDKs and Sample code Forums – non-moderated content Blogs – PayPal and developers Docs rating and commenting Provide Feedback Videos & Presentations Titbit: X.com was founded by Elon Musk in Mar’1999 as one of the first Internet banks. It merged with Confinity in 2000 and Feb’2001 it became PayPal. 22 www.x.com
82. Let us know what you need! (30% of our roadmap is based on your feedback) www.x.com Twitter: @paypalx, @ppalavilli www.facebook.com/paypalx 23 www.x.com
As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.
As a developer, the sender and receiver may have many different names, depending on their role and objective. PayPal X Open Payments Platform enables almost any of them.The API Caller also needs a PayPal Business Account as the application is moving money between multiple parties and could possibly take it’s own cut/commission.