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Connecting with PayPal

With a single, unified payments integration, you can customize your checkout experience to accept payments in over 100 currencies from 325 million active customers across 200 markets.

Offer more ways to pay with PayPal Checkout, our full-stack payments platform and optimize checkout conversion to help grow your business. Explore the latest benefits and features:

  • Card payments: Customers can pay for their orders using their credit or debit card on the checkout page.*
  • PayPal:
    • Customers can pay for their orders with their PayPal account. All major credit and debit cards stored securely on your customers’ PayPal accounts are accepted for payment.
    • With One Touch™, customers can skip the PayPal login and quickly complete their purchase. Repeat customers stay logged in to PayPal, so they don't have to log in every time they buy. They can spend less time in the checkout process and thereby, drive higher order completion.
    • When enabled, PayPal Checkout displays a dedicated PayPal button on the cart and on the quick cart pages.
  • PayPal Pay Later (formerly PayPal Credit)*: A financing option that lets your customers pay over time, while you get paid in full, up front. PayPal Pay Later is available to your customers at checkout to help increase your average order value and drive higher checkout conversion.
  • Single Euro Payments Area (SEPA): PayPal intelligently presents your customers with the proper SEPA payment method, displayed as a payment button on the cart and on the quick cart pages, based on their location.
  • No monthly fees: Only domestic and international transaction fees apply.
  • No PayPal account needed for customers: You can enable credit and debit cards on the checkout page, or customers can pay via credit or debit card through Guest Checkout.***
  • Risk management: PayPal helps you to manage risk, minimize claims and chargebacks, and help prevent fraud with help from our advanced risk management and Seller Protection on eligible purchases.
  • Store Cash (US only): Make online shopping more rewarding with Store Cash, which are automatic discounts you can offer to shoppers who use PayPal.
  • Multicurrency: Reduce currency conversion issues by giving your customers the ability to pay in their own native currency. See Managing Currencies to learn more about setting up currencies.
 

Did you know? According to comScore’s 2018 study, sites that accepted PayPal had 47% higher conversion vs. those that didn’t. The analysis also showed PayPal conversion performed, on average, 60% higher than “other digital wallets” and 82% higher than “all payment types combined”.

*Credit/debit card fields on the checkout page requires additional setup and is subject to merchant card processing approval from PayPal.

**Subject to consumer credit approval.

***Debit/Credit card payments are available as part of PayPal Checkout. Buyers would need to click on PayPal Checkout button on the cart or on the quick cart page and select "Pay With Debit or Credit Card" option or select PayPal Checkout payment option on the checkout page and click on "Pay With Debit or Credit Card" button.

 
 

Requirements

  • Your store must be using Optimized One-Page Checkout.
  • Your store must be in a supported country. All countries supported by PayPal are supported by BigCommerce, except:
    • India
    • Israel
  • To use hosted credit/debit card fields directly on the checkout page, your store must be located in one of these supported countries:
    United States
    Australia
    United Kingdom
    France
    Italy
    Spain
    Belgium
    Bulgaria
    Cyprus
    Czech Republic
    Denmark
    Estonia
    Finland
    Greece
    Hungary
    Latvia
    Liechtenstein
    Lithuania
    Luxembourg
    Malta
    Netherlands
    Norway
    Poland
    Portugal
    Romania
    Slovakia
    Slovenia
    Sweden
 
 

Setting up PayPal

1. Go to Store SetupPayments.

2. Click Online Payment Methods. If you have multiple currencies, select the one you want to enable PayPal for under Show payment methods for.

3. Scroll down and click Set up next to PayPal.

PayPal setup button in the control panel

4. You will be brought to a PayPal Settings tab. Click Connect with PayPal to set up or log into your existing PayPal account.

Connect with PayPal button

 

Existing PayPal accounts and Starting Order Number: If you are connecting an existing PayPal account that has past transactions, you will need to change your store's Starting Order Number. See Troubleshooting under Common Questions.

5. You will be asked to grant BigCommerce permission to connect to your PayPal account. Click Grant Permission to continue.

6. You will be redirected to your PayPal Settings tab in BigCommerce. Click Save to complete setup.

 
 

Additional Settings

Enable sending order IDs to PayPal

You can send order IDs to PayPal to associate a PayPal transaction to a BigCommerce order and allow your buyers to have an order ID when contacting you. Note: PayPal requires order IDs to be unique and will decline payments if a provided order ID has been used for a prior transaction.

Enable sending order IDs to PayPal setting

Synchronize orders with PayPal

Enable synchronization of order transaction statuses between PayPal and BigCommerce. When enabled, your order actions and statuses in PayPal will be reflected in BigCommerce.

Synchronize orders with PayPal setting

PayPal Sandbox

You will notice a PayPal Sandbox block and a Connect PayPal Sandbox button.

Connect PayPal Sandbox button

These can be used to connect your Sandbox PayPal business account, should you have one. The sandbox can be utilized as a testing environment without touching a live PayPal account. See, PayPal's PayPal Sandbox Testing Guide for more information.

 

Need to connect to a different account? Switching off PayPal will clear your account settings, allowing you to log in using a different email address.

 
 

Enabling Credit/Debit Card Fields at Checkout

Enable credit/debit hosted fields on the checkout page to let your customers pay using their cards directly on your website.

For comparison, PayPal Guest Checkout (enabled by default during setup) also allows customers to use their credit/debit cards to pay, but this method allows the card fields to appear directly on your checkout page, without the need to open a new window or redirect the customer to a PayPal.com page. Generally, having fewer checkout steps and avoiding redirects from the checkout page improves conversion.

1. To enable credit/debit card fields at checkout as an option on the cart and checkout, go to Store SetupPayments.

2. Click the PayPal tab, then click the Enable Credit/Debit Card button.

The Enable Credit/Debit Card button in PayPal settings

 

Important! If you connect to a different PayPal seller account than the one you originally used during intial setup, your primary account settings will be overwritten by the new account. You will not be able to do any post-order actions (like refunds) to your current PayPal orders.

3. You will be asked to grant BigCommerce permission to connect to your PayPal account. Click Grant Permission to continue.

4. You will be redirected to your PayPal Settings tab in BigCommerce. Your Credit Card Settings section will be updated with an appropriate status pending merchant card processing approval by PayPal.

Approval status message in PayPal settings

5. Click Save to complete setup. The card fields will now appear as an option on the checkout page.

Card fields at checkout

 
 

PayPal Pay Later (Formerly PayPal Credit)

PayPal Pay Later lets customers buy now and pay over time. This feature means that the shopper will owe the money to PayPal while you, the merchant, always get paid. To enable PayPal Pay Later as an option on the cart and checkout, go to Store SetupPayments.

If your store is in the UK, you'll first need to speak to PayPal Business customer support or your Customer Success Manager to obtain a 4-digit code beforehand. For a full walkthrough, see PayPal Pay Later.

This feature only works on Optimized One-Page Checkout. For PayPal Pay Later to show, make sure your checkout is set to Optimized One-Page Checkout.

1. Follow the steps above to enable PayPal.

2. Click the PayPal tab.

3. Check Enable Pay Later.

Enable PayPal Pay Later checkbox

The "Pay Later" smart payment button will now appear as an option on the cart, on the quick cart page ("add to cart" confirmation window) and "PayPal Pay Later" will now appear as a payment method during checkout.

PayPal and PayPal Pay Later button on the cart page

PayPal and PayPal Pay Later button on the "Quick Cart" page

PayPal and PayPal Pay Later options on the checkout page

 
 

Pay Later (Pay-in-4) Messaging

PayPal Pay Later (Pay-in-4) messaging requires PayPal Pay Later to be enabled in your store beforehand. See our standalone article for more information on PayPal Pay Later.

Pay-in-4 button on cart page

Click Enable PayPal Later Messaging, then select your desired locations to display banners on the storefront.

Display options for displaying PayPal Pay Later banners.

 
 

Alternative Payment Methods

Alternative payment methods (APMs) allow you to accept payments from customers around the globe who use their bank accounts, wallets, and local payment methods. For example, a customer in the Netherlands might want to pay using iDEAL, which is used by more than half of consumers in the Netherlands for online purchases, whereas a customer in Belgium on the same website might want to pay using Bancontact, a popular payment method in Belgium.

To enable an alternative payment method, you will need to have PayPal set up on your store. Based on the store transactional currency assigned to PayPal (see the Additional Requirements column in the table below), you can manage certain alternative payment methods within your PayPal Settings page in the BigCommerce control panel.

Select the alternative payment method options you would like to offer on the checkout.

Local payment methods may have certain shopper requirements in order to be available for use, so shoppers will see only the local payment methods applicable for their geolocation.

Alternative payment methods transactions are "Authorize and Capture" only, regardless of the Transaction Type option selected for Paypal. Therefore, delayed capture is not supported. The payment will be completed automatically after successful authorization, and it will be available to refund.

The shopper's cart currency needs to be in a supported currency for the APM to display. While using an APM during checkout, a popup modal window allows customers to finalize their payment, ensuring that customers won't leave the checkout page. Stored APMs are not supported currently. Recurring payments are not supported by APMs.

Alternative Payment MethodPopular CountriesPayment TypeAdditional RequirementsFeatures
BancontactBelgiumBank Debit
  • Merchant's store transactional currency is Euro (EUR).
  • Shopper's shipping address is in Belgium (BE), and the transaction currency on the order is Euro (EUR).
  • Bancontact is the most popular payment method in Belgium for both online and in-store transactions.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
BLIKPolandBank Debit
  • Merchant's store transactional currency is PLN.
  • Shopper's shipping address is in Poland (PL), and the transaction currency on the order is PLN.
  • The most popular mobile payment methods in Poland. BLIK is a system embedded in banking applications and covered by all major Polish banks. Currently, over 90% of all customers of Polish financial institutions have the option of using BLIK in mobile banking applications.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
EPSAustriaBank Debit
  • Merchant's store transactional currency is Euro (EUR).
  • Shopper's shipping address is in Austria (AT), and the transaction currency on the order is Euro (EUR).
  • EPS (electronic payment standard) is an online transfer system developed jointly by the Austrian banks and government.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
GiropayGermanyBank Debit
  • Merchant's store transactional currency is Euro (EUR).
  • Shopper's shipping address is in Germany (DE), and the transaction currency on the order is Euro (EUR).
  • Supported by most local and cooperative German banks. GiroPay is a guaranteed payment method, meaning that there is no chance of a chargeback.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
iDEALThe NetherlandsBank Debit
  • Merchant's store transactional currency is Euro (EUR).
  • Shopper's shipping address is in the Netherlands (NL), and the transaction currency on the order is Euro (EUR).
  • Most used online banking payment method in the Netherlands, and is supported by all the major Dutch consumer banks. Nearly all online shoppers in the Netherlands know iDEAL, and nearly 95% have used it at least once.
  • iDEAL is a guaranteed payment method, meaning that there is no chance of a chargeback.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
MyBankItalyBank Debit
  • Merchant's store transactional currency is Euro (EUR).
  • Shopper's shipping address is in Italy (IT), and the transaction currency on the order is Euro (EUR).
  • MyBank is a popular direct bank transfer payment method in Italy and is integrated by over 140 banks. Because it uses real-time bank transfers, the payments made with MyBank are 100% guaranteed.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
Przelewy24PolandBank Debit
  • Merchant's store transactional currency is PLN or EUR.
  • Shopper's shipping address is in Poland (PL), and the transaction currency on the order is EUR or PLN.
  • Przelewy24 is a Poland-based payment method aggregator that allows customers to complete transactions online using bank transfers and other methods. Bank transfers account for 80-90% of online payments in Poland, and Przelewy24 provides a way for customers to pay with over 165 banks.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
SofortAustria,
Belgium,
Germany,
Italy,
The Netherlands,
Spain
Bank Debit
  • Merchant's store transactional currency is EUR or GBP.
  • Shopper's shipping address is in one of the following countries: DE, AT, CH, BE, NL, IT, ES, PL or UK, and the transaction currency on the order is one of the following currencies: EUR or GBP.
  • Gaining popularity in the Netherlands, Italy, Spain, Poland, and the United Kingdom.
  • Delayed capture is not supported. The payment will automatically be completed after successful authorization, and will be available to refund.
 
 

Enabling SEPA

SEPA is automatically enabled and displayed as a payment button on the cart and on the quick cart page for your buyers, based on their location.

SEPA button on the cart page

SEPA button on the "Quick Cart" page

 
 

Common Questions

Pricing and Fees

What fees are associated with the gateway?

There are no monthly fees, just a low per-transaction fee. To find the fees for your market, visit https://www.paypal.com/ and click Fees at the bottom of the page.

Account Eligibility

What currencies and countries does the payment gateway support?

You can review a list of supported currencies and countries on the following pages:

What items are restricted for merchants to sell?

You can review a list of restricted items on PayPal’s Acceptable Use Policy.

Transactions

After I create an account, what is the waiting period before I can process transactions?

Once you link your PayPal account to BigCommerce, you can begin transacting right away.

How long until the funds are transferred to my bank?

Funds are deposited immediately into your PayPal account. You can request a withdrawal to your bank at any time, using an Instant Transfer or Standard Transfer (1-3 business days).

Will I or my customers receive an additional email or invoice from the payment gateway?

Yes, both you and your customers will receive emails when transactions are received and for disputes/chargebacks.

Refunds

How soon after a transaction can I perform a refund?

Once a payment is captured, there is no delay before you can issue a refund.

Are there any fees for chargebacks/refunds?

You can read about PayPal’s policies on chargebacks and refunds in the PayPal User Agreement.

Additional Features

Are there any fraud filtering options available?

You can review PayPal’s Seller Protection Policy for Merchants to understand how they help protect your online sales, minimize claims and chargebacks and help prevent merchant fraud.

Does it allow authorize-only payments?

Yes, authorize-only payments are supported.

Does it support multicurrency? (supported by BigCommerce multicurrency)

Yes. Follow the recommended flow below for enabling a new currency.

  1. Create and configure your new currency. See Managing Currencies for more information.
  2. Go to Store SetupPayments and use the currency selector at the top of the screen to select your new currency.

Troubleshooting and Payment Disputes

Why did my shopper receive an error when trying to pay?

Please see this PayPal Help Center article for a list of possible reasons.

How are payment disputes handled?

Log in to your PayPal account and visit the Resolution Center / Centre.

How do I contact the Payment Gateway’s Support?

Visit PayPal.com and click the Contact link at the bottom of the page.

Why did my client receive an error Duplicate Invoice ID detected. To avoid a potential duplicate transaction your account setting requires that Invoice Id be unique for each transaction when trying to pay?

If you are starting a new BigCommerce store and are connecting an existing PayPal account that has past transactions, you will need to change your store's Starting Order Number. By default, the store's starting order number is "100". If you have an existing PayPal Invoice ID of "100", transactions will fail with an error message like "Duplicate Invoice ID detected. To avoid a potential duplicate transaction your account setting requires Invoice ID to be unique for each transaction." To avoid this, you'll need to update your stores Starting Order Number to a number higher than any of your existing PayPal Invoice IDs.

Once resolved, the issue should not affect any customers thereafter. If one of your customers has received the above error (prior to you resolving it), they will need to clear their cart and start over before they can successfully check out.

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