PayPal powered by Braintree | Manual Setup

PayPal powered by Braintree is one of our most popular recommended payment gateways. It utilizes the credit card processing aspect of Braintree, as well as an In-Context Checkout pop-up that lets your customers pay with their Paypal account, and PayPal One Touch, which means repeat customers won't have to log into PayPal every time they purchase. To learn more about these features, see Connecting with PayPal powered by Braintree.

If your business is based outside of the US, UK, or France, and in a country supported by Braintree, use the following steps to enable PayPal powered by Braintree. The Default Country setting in the Store Profile determines which shipping and payment providers are available for use with your store.

Below are special credit card rates from PayPal powered by Braintree available to BigCommerce merchants. See our Pricing FAQs for details and terms.

Standard	Plus	Pro	Enterprise
1.85% + £0.18 per transaction	1.80% + £0.18 per transaction	1.75% + £0.18 per transaction	1.55% + £0.18 or lower per transaction

If you haven't already, create a Braintree account. If you're signing up with your personal PayPal account, you will need to contact PayPal to have them upgrade your personal account into a business account. Use a separate email address if you would prefer to keep your business account separate from your personal PayPal account.

1. In the Braintree Control Panel, click on Settings and select API from the drop-down.

2. Under the API Keys section, click View and copy the following details, as they will be needed for enabling PayPal powered by Braintree in BigCommerce:

• Merchant ID
• Public Key
• Private Key (you will need to click View to display this)
• Merchant Account ID

Once you have obtained your account details, you're ready to enable PayPal powered by Braintree in your BigCommerce control panel.

1. Go to Settings › Payments.

2. If you have multiple currencies, select the one you want to enable PayPal powered by Braintree for, under Show payment methods for.

3. Scroll down and click Online Payment Methods, then click Set up next to Braintree.

4. In the new Braintree Settings tab that appears, paste the Merchant ID, Public Key, Private Key, and Merchant Account ID into their respective fields.

5. Make any additional changes to the settings, such as:

• Authorize and capture
• Display Braintree payment methods on the checkout (toggle on or off)
• Checkout with Google Pay (toggle on or off)
• Enabling 3D Secure (toggle on or off)
• Enabling Stored Payment Methods (toggle on or off)
• Specify dynamic descriptors

6. Save your changes.

Depending on how you signed up for your PayPal powered by Braintree account, there may be additional steps you need to take in your Braintree control panel in order to offer additional currencies.

If you signed up for your account in BigCommerce:

Follow the recommended flow below for enabling a new currency.

• Create and configure your new currency.
• Go to Settings › Payments and use the currency selector at the top of the screen to select your new currency.

If you signed up for your account outside of BigCommerce:

For each additional currency that you offer in BigCommerce, you will need to create a new merchant account ID in your Braintree control panel.

• First, enable the gateway for your default currency in BigCommerce.
  • If you have multiple merchant account IDs, use the one associated with your default Braintree currency.
• Then, create and configure your new currency in BigCommerce.
  • When you enable the gateway for the new currency, use the merchant account ID associated with that currency in Braintree.

We recommend avoiding disabling PayPal powered by Braintree for your default currency, if possible. Additionally, if you offer both credit cards and PayPal, you will need to ensure that your account is configured to accept the new currency for both payment methods.

Alternative payment methods (APMs) allow you to accept payments from customers around the world who use their bank accounts, wallets, and local payment methods. To learn more about the benefits of APMs, see our Guide to Alternative Payment Methods.

Before enabling alternative payment methods with PayPal powered by Braintree, make sure you have addressed the following considerations:

• Each payment method has its own supported currencies. The payment methods available in Braintree Settings depend on the transactional currencies assigned to PayPal powered by Braintree.
• Local payment methods may have certain shopper requirements in order to be available for use, so local payment methods will become available based on the shipping address and country entered during checkout.
• Alternative payment method transactions are "Authorize and Capture" only, regardless of the Transaction Type option selected. Delayed capture is not supported.
• The APMs supported by PayPal powered by Braintree currently do not support stored or recurring payments.
• Currency conversion is not supported. Alternative payment transactions must be processed in the alternative payment method's supported currency.

Click on the APM in the list below to see its specific requirements and limitations:

• Bancontact
• BLIK
• EPS
• Giropay
• GrabPay
• iDEAL
• MyBank
• Klarna Pay Now/Sofort
• Przelwey24

Using the steps below, you can enable alternative payment methods and offer your shoppers a wide variety of payment options.

1. Go to Settings › Payments and click on the Braintree Settings tab. Scroll down to Alternative Payment Methods and check the Enable alternative payment methods box.

2. Select the alternative payment methods you want to appear on the checkout page.

3. Save your changes when you are finished.

Offered by Braintree, Account Updater is an optional paid service that automatically updates stored card information, such as new numbers, new expiration dates, and closed accounts.

This can be extremely useful for stores that offer subscriptions, as it ensures that recurring transactions won't fail due to outdated stored card information and customers won't need to contact the store to update their payment details, creating a less than optimal customer experience.

By following the process below, you can ensure that the card information provided by Account Updater is synched with your BigCommerce store, so that customers will always see the most up to date card information when viewing their stored cards.

1. Go to Settings › Payments, and click on the Braintree Settings tab. Scroll down to Stored Credit Cards and ensure that Enable stored credit cards with Braintree is toggled on.

This will allow you to access the Braintree Account Updater notification fields.

2. Copy the Notification URL from your Braintree Settings page in BigCommerce and paste it into your Braintree Dashboard at the following location: Gear icon › API › Webhooks › Create New Webhook › Destination URL.

3. Select Account Updater Daily Report, then click Create Webhook.

4. Copy the Public Key and Private Key from your Braintree Dashboard at the following location: Gear icon › API › Keys › API Keys. Paste the Public Key and Private Key into the Notification Public Key and Notification Private Key fields in your Braintree Settings page in BigCommerce.

5. Save your changes.

Dynamic descriptors are sent on a per-transaction basis and define what will appear on your customers' credit card statements for a specific purchase. Having personalized descriptors can improve recognition of transactions with your business and reduce the likelihood of chargebacks.

A customer's bank will determine exactly how your business's descriptors will appear on customer statements, but they are oftern formatted like this:

MYCOMPANYNAME 555-123-1234 NM $100.00

Using the steps below, you can enable your Braintree account and BigCommerce control panel and configure custom dynamic descriptor fields.

1. Contact Braintree to enable dynamic descriptors on your Braintree account. Braintree will also provide you with your processor's dynamic descriptor requirements, such as maximum character length or supported character types. Transactions will fail if you supply a unique descriptor without dynamic descriptors enabled or if your descriptor exceeds their processor's character limits.

2. Once your Braintree account supports dynamic descriptors, contact our Support team to activate the descriptor fields setting in your BigCommerce control panel.

3. In the control panel, go to Settings › Payments, and click on the Braintree Settings tab. Scroll down to Dynamic descriptor and fill out the descriptor fields.

• Name — composed of a business name and product name, separated by an asterisk (*)
• Phone — your business's phone number
• URL — your business's web address

If you have enabled PayPal and Venmo payments on your store, you can also specify a dynamic descriptor Name for each.

4. Save your changes when you are done.

PayPal powered by Braintree provides basic and advanced fraud filters to help you protect your account against fraudulent activity and take control of your business. You'll also have the option of adding 3D Secure, which adds another layer of verification during checkout. Note that while this feature does add extra security, it also adds extra friction at checkout.

To set up basic fraud controls in PayPal powered by Braintree, you'll first need to log in to your Braintree control panel. In your Braintree merchant account, go to Settings › Fraud Management. You'll have access to a list of processing and fraud settings:

• AVS
• CVV
• Risk Thresholds
• Advanced Fraud Tools

Additional settings for Duplicate Transaction Checking and Card Verification - Retry All Failed $0 can be found under Settings › Processing.

• Duplicate Transaction Checking
• Card Verification - Retry All Failed $0

Duplicate Transaction Checking

This setting rejects transactions if another successful transaction has been completed with the same payment method, order ID, and amount within the last X seconds. X can be set to up to 3600, or one hour.

This setting is useful if your customer clicks the back button, refreshes the page, or anything else that might cause the transaction to be put through twice. Note: This setting only applies to credit card transactions, not to transactions done through PayPal.

Recommended settings: Enabled; 30 seconds.

Card Verification - Retry All Failed $0

If enabled, a failed $0 authorization will always be retried as a $1 authorization regardless of the processor response. If disabled, a failed $0 authorization will only be retried as a $1 authorization for the following processor responses:

• 2015 (Transaction Not Allowed)
• 2019 (Invalid Transaction)
• 2023 (Processor Does Not Support This Feature)
• 2027 (Set Up Error - Amount)
• 2048 (Invalid Amount)

Recommended setting: Enabled

AVS Rules

AVS or Address Verification System rules determine when transactions and verifications should be rejected based on address criteria. For example, you can set whether a transaction should be rejected if the postal code doesn't match what the customer's card issuing bank has on file.

Recommended settings: At this time, Country Scope must be set to United States Only.

CVV Rules

CVV rules determine when to reject transactions based on whether the merchant has provided the correct CVV associated with the credit card.

Risk Threshold Rules

Risk Threshold rules can be set up to notify you or reject transactions that follow particular trends. Their purpose is to protect you from card attacks. See Risk Threshold Rules on Braintree's support site for more information.

Advanced Fraud Tools

• Setting up Premium Fraud Management Tools
• Setting up 3D Secure

Setting up Premium Fraud Management Tools

Premium Fraud Management Tools can be enabled from within the Braintree control panel. See PayPal's article on Premium Fraud Management Tools for more information.

Setting up 3D Secure

3D Secure is a payment processing security feature that requires customers to enter a password that is tied to their credit card when making a purchase. Customers who do not have 3D Secure set up will be prompted to do so. This security feature reduces the chance of fraudulent activity on both the card and for your store.

To set up 3D secure for PayPal powered by Braintree, email accounts@braintreepayments.com to request it to be enabled in your account. Once you receive confirmation of its implementation, in BigCommerce, go to Settings › Payments and click the Braintree Settings tab.

Toggle the Enable 3D Secure switch to ON and Save your changes.