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Paypal has not been sending payment notifications to merchants

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Re: Paypal has not been sending payment notifications to merchants

#71

You can make an API call to check the status of a transaction very easily. When my users are redirected back to my site (thanks page, or similar), I check if their transaction is completed, if not, I kick off an every-five-seconds check while asking the user to hold on while we talk with paypal. I will eventually fail after some number of checks of course, but this means PayPal can stop sending IPNs and everything wi…

That's very close to what I've always done. I have a notification to warn me if I have new failed sign-ups due to payment and keep Paypal responses to catch all sorts of problems. It's just good practice to expect things to fail sometimes. That's also why I have my status page hosted with a different provider and twitter status as a back-up for that.

My favorite Paypal annoyance is that for split payments there's no way to verify that a seller's Paypal account qualifies for split payments (has to be a business account and verified), without trying to send a payment. At least, that's the way it was last it mattered to me.

Re: Paypal has not been sending payment notifications to merchants

#72
post #34
post #32

Earlier quoted context omitted.

Yes, exactly. When I tell people where they need to send funds, their first question is "do you have a PayPal account?" Western Union, Moneygram and such are all highly inconvenient for both parties. And services like Stripe aren't an option for me due to their restrictions on use as well https://stripe.com/us/prohibited_businesses My work covers multiple items on that list. Compare that to PayPal's https://www.paypa…

Hell, I had no idea that Stripe's prohibited businesses list was so ... massive. The list runs the gamut from "risky" to "value judgement", and I can't help but wonder how all those items ended up on the same list.

I work at Stripe and just wanted to give a little bit of color here in case it's useful. These restrictions come from our financial partners which unfortunately means that we generally don't have much flexibility around them.

If you have any questions about any of this or want to see if we can work with your business, please don't hesitate to reach out to us at support@stripe.com.

Re: Paypal has not been sending payment notifications to merchants

#73

You can make an API call to check the status of a transaction very easily. When my users are redirected back to my site (thanks page, or similar), I check if their transaction is completed, if not, I kick off an every-five-seconds check while asking the user to hold on while we talk with paypal. I will eventually fail after some number of checks of course, but this means PayPal can stop sending IPNs and everything wi…

That's very close to what I've always done. I have a notification to warn me if I have new failed sign-ups due to payment and keep Paypal responses to catch all sorts of problems. It's just good practice to expect things to fail sometimes. That's also why I have my status page hosted with a different provider and twitter status as a back-up for that. My favorite Paypal annoyance is that for split payments there's no…

Actually you can check if an account is verified!

Here's a snippet in Ruby I use to check. It's not perfect, but it catches a lot of cases:

    # ...

    def initialize
      @request = PaypalAdaptive::Request.new
    end
    
    # ...

    def verified_status( opts={} )
      begin
        opts.assert_keys! :first_name, :last_name, :paypal_account_email
        result = @request.get_verified_status(
          emailAddress: opts[:paypal_account_email],
          firstName: opts[:first_name],
          lastName: opts[:last_name],
          matchCriteria: 'NAME'
        )
        Rails.logger.debug "PAYPAL VERIFICATION: #{result.inspect}"
        return result.success? && result['accountStatus'] == 'VERIFIED'
      rescue
        return false
      end
    end
Here's the API docs: https://developer.paypal.com/docs/classic/api/adaptive-accou...

What I can't stand is that accounts in some countries (at least India) can't send payments from balance. So you can't get your fee. This is mentioned nowhere in the docs, a customer just hit it one day and that's how I found out. I asked paypal what other countries can't send payments and they said... wait for it... they "don't have a list". I kid you not: https://twitter.com/rfunduk/status/412980259001102336

Re: Paypal has not been sending payment notifications to merchants

#74
post #66
post #18

Earlier quoted context omitted.

IPNs are annoyingly difficult to use. Some accounts simply will not send them until an IPN URL is set, even for transactions that include the notify_url in the request. You cannot even see the IPN history until you enter an IPN URL, even if it was used through the notify_url param. IPNs that include UTF8 characters will not validate by default in most PayPal accounts. PayPal defaults to Win1252, translates the UTF8 c…

Here is my solution to the encoding issues, let me know if it works for you (assuming your environment let you access the body of the request without parsing it, or already knows how to parse it correctly). http://blog.cyberion.net/2014/08/parsing-paypal-ipn-requests...

Thanks, but that's a wholly separate issue from what I was talking about.

When you have UTF8 data in the IPN, PayPal translates it to win1252 in the IPN. But it verifies the IPN against the original UTF8 data. The only way to fix it is to go into the profile and change the IPN format to use UTF8. There is no programmatic way to set the encoding for IPNs to be sent in and there are no workarounds that I am aware of.

If you never see international names or addresses with accents and diacritics you won't run into the problem.

Re: Paypal has not been sending payment notifications to merchants

#75
post #32

Earlier quoted context omitted.

ease of use is still kind of key for me. I pay a lot of people in Europe / Asia and if it weren't for paypal I'd literally have to make a trip to my supermarket Western Union twice a week.

Yes, exactly. When I tell people where they need to send funds, their first question is "do you have a PayPal account?" Western Union, Moneygram and such are all highly inconvenient for both parties. And services like Stripe aren't an option for me due to their restrictions on use as well https://stripe.com/us/prohibited_businesses My work covers multiple items on that list. Compare that to PayPal's https://www.paypa…

(I work on risk at Stripe.) Most of that list is bank legalese we're contractually bound to include in our ToS. This is not to say these restrictions don't mean anything; just that I wouldn't interpret them too literally. We've actually just created a much more coherent version of this list, and it will be up on the site as soon as we can get our banking partners onboard.

As for your specific case, please email me at anurag@stripe.com and we can try to figure out if Stripe can somehow work for you.

Re: Paypal has not been sending payment notifications to merchants

#76
post #21

had this problem for years, along with google checkout's callback process. google was worse. they seemed to get to a point where if/when they'd ping, if the request took longer than a few seconds to reply, it would stop, then never retry.

Google Checkout was awful to work with. It was hard for the vendor to setup and use. It was hard to program against. It was hard for the customer to use. It was hard to test. And of course it had Google's famous lack of support. Speaking of support, we qualified for the integration reward ($1500 or so; maybe more). We tried to claim the reward for over a year. Every time they'd say "yeah you totally qualify!" and we'…

For me it was.... either instant or 15 minutes. The 15 minutes was 'security check' stuff, apparently. But I was selling digital downloads. I'd just have to approve them instantly - no one expected they'd have to wait 15 minutes to get approved, even when I tried explaining it. So... I had some bad charges come back, but the download was already done - no way to protect myself. GC was pretty bad.

Re: Paypal has not been sending payment notifications to merchants

#77
post #74
post #66

Earlier quoted context omitted.

Here is my solution to the encoding issues, let me know if it works for you (assuming your environment let you access the body of the request without parsing it, or already knows how to parse it correctly). http://blog.cyberion.net/2014/08/parsing-paypal-ipn-requests...

Thanks, but that's a wholly separate issue from what I was talking about. When you have UTF8 data in the IPN, PayPal translates it to win1252 in the IPN. But it verifies the IPN against the original UTF8 data. The only way to fix it is to go into the profile and change the IPN format to use UTF8. There is no programmatic way to set the encoding for IPNs to be sent in and there are no workarounds that I am aware of. I…

That's not my experience, validating the data has always worked by just spitting it back out to them without any alterations to the data.
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