Monetization Made Easy On The Cloud
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Praveen Alavilli, Developer Evangelist @ppalavilli Monetization made Easy On Cloud
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Cloud Computing as we all know has changed the dynamics of how we build and run applications. We at PayPal X, truly believe in the power of Cloud Computing as a way to drive Innovation and to speed the Time to Market for your applications. This session introduces the new PayPal X Payments Platform and the toolkits/SDKs provided to simply the process of integrating payments in to applications built and run the cloud. We will walk through several use case scenarios (gaming, social apps, disbursements, digital goods, etc.) with unique payment requirements and how our ePayments Platform enables those.
Transcript of Monetization Made Easy On The Cloud
Praveen Alavilli, Developer Evangelist@ppalavilli
Monetization made Easy On Cloud
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Agenda
• What is PayPal X ?• Adaptive Payments• Adaptive Accounts• Toolkit for Force.com• PayPal X on IBM Cloud• Q & A
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PayPal X
Open Global Payments Platform for developers
Enables various Monetization ModelsSubscriptions
Pay as you useFree to use, pay to services
FreemiumeCommerce
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The PayPal X Platform
Facilitates Payments- Pay anyone, receive from anyone !
Provides Account Management - Identity, Permissions, Accounts
Tools for Information and Reporting- Notifications, Reporting, Search
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Sender Receiver
Consumer Merchant
Consumer Internet merchant
Employer Employee
Parent Child
Originator Recipient
Person (giver) Charity
Consumer Biller
Person (giver) Person
Business Supplier
Citizen Government
Investor Developer
Lender Borrower
Payments oh my!
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Travelers checks
Bill payments
Check or draft
ACH payment
Cards, cards, cards
Net-based payments
Many others
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THE SENDER THE RECEIVER
PAYPAL
CTHE API CALLER
A person or business whose PayPal account is being debited
A person or business whose PayPal account is being credited
The API access account who makes the Adaptive Payments service calls: usually owned by the developer
For Developers
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Adaptive Payments - API
• Payment APIs• Pay: Transfer funds between parties. Supports simple,
chained, parallel, preapproved payments, etc.• PaymentDetails: Get details of a payment
• Preapproval APIs• Preapproval: Preapproval agreement signup • PreapprovalDetails: Get details of a preapproval • CancelPreapproval: Cancel an existing preapproval
• Refund: Refund a payment (complete, partial, etc.)
• ConvertCurrency: Get currency conversion (foreign exchange) rates for a list of amounts and currencies (PayPal-supported currencies).
USE CASES• Send money
• Split payments
• Bill payments
• Payroll payments
• B2B payments
• Remittances
• Marketplace payments
• Virtual currencies
• Points and miles
• Mass payments
• Invoice payments
• Recurring payments
• Scheduled payments
• Money transfers
• Mobile/device payments
• Government travel
• Future payment scenarios…
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Simple Send Money
Basic building block allows merchants to transfer money from one entity to another
Sample Use Cases: P2P payments, Social Networks, Gaming applications
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Preapproved Payments
• Pre-authorization of money transfer from customer (sender) to API caller
• Allows an API caller to make payments on behalf of a sender within the constraints specified
• PIN optional for future payments made within the authorized amount
• Useful for single/multi use, and subscription payments
Pre
Appr
oval
C
Sample Use Cases: Pay as you use, Micropayments for Digital goods, Subscriptions
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Parallel Payments
• Pay multiple recipients at once• Future interactions with each transaction can be separate• Enable partnership opportunities• Facilitates multiple use cases: marketplace payments, service
fees, multi-merchant checkout, and so on
$10
$40
$50
$100 Receiver X - $10
Receiver Y - $40
Receiver Z - $50
Sender Visibility
Sample Use Cases: Payouts, Disbursements, Affiliate fees, MarketPlaces
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Chained Payments
• Instant payment and disbursements– Sender sees one payment to primary receiver– In one motion, money to secondary receivers sent
• Supports commission-based payments• Facilitates multiple use cases: marketplace payments, service
fees, multi-merchant checkout, and so on
PRIMARY
$10$40
$50
$100 Primary Receiver - $100
Sender Visibility
Sample Use Cases: Multi-Merchant Marketplaces, Gaming platform, Referral programs, Property Management (Rent Payments)
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Combine Chained and Preapprovals
PRIMARY
Pre
Appr
oval
AND
C
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Combine Parallel and Preapprovals
Pre
Appr
oval C
AND
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SAMPLE INTERACTION FLOWA Rental App that allows tenants to pay rent to a property management
that splits the payment to the actual owner and the HOA.
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Sender
API
Rental App
Pay API
WEB
Pay Key
Redirect User to PayPal
Return URL
Confidential and Proprietary 15Confidential and Proprietary 15
Pay Key = PA-84HK2A57FCOP3RW Pay Key = PA-84HK2A57FCOP3RW
User Name = Rental_admin.api Secondary Receiver [2] = Sec [email protected] = keep$secret Amount = 50.00 Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986
Sender Email = [email protected] Cancel URL = www.PayRent.com/home
Currency = USD Return URL = www.PayRent.com/apstore
Primary Receiver [0] = Prim [email protected]
Amount = 1000.00
Secondary Receiver [1] = Sec [email protected]
Amount = 40.00
User Name = Rental_admin.api Secondary Receiver [2] = Sec [email protected] = keep$secret Amount = 50.00 Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986
Sender Email = [email protected] Cancel URL = www.PayRent.com/home
Currency = USD Return URL = www.PayRent.com/apstore
Primary Receiver [0] = Prim [email protected]
Amount = 1000.00
Secondary Receiver [1] = Sec [email protected]
Amount = 40.00
IPN= https://www.Rental.com/IPN
Sender Email: [email protected]
Receiver Email: [email protected]
IPN= https://www.Rental.com/IPN
Sender Email: [email protected]
Receiver Email: [email protected]
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Adaptive Accounts API
• Programmatic interface to PayPal account creation
• Account created can be used with any PayPal APIs, including Adaptive Payment APIs
• Currently supports creation of Personal and Premier accounts. Business account creation to come soon.
• Benefits:• Streamline user experience• Increase conversion
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Create Account API Flow
API Web
Account Creation Request
Application CallerUser
URL Redirect
Creates an inactiveaccount
• Choose password
• Answer security questions
Offer
Consent
Return URL
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Use cases for Adaptive Accounts
Marketplace
Create PayPal accounts to enable payments for games, social networking widgets and
more
Small BusinessAs part of new employee enrollment, business
collects information used to create a PayPal account
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
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Social Media
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Toolkit for Force.com
• A set of Apex classes for accessing APIs more easily
• Takes care of transport and protocol bindings
• Provides easy way to securely manage API Credentials and common request parameters
• Supports both Adaptive Payments and Adaptive Accounts API
• Supports PayPal Sandbox, Beta and Live environments
• Test pages/Scratch Pad to play with all APIs
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Getting Started With Toolkit
• Create PayPal Developer Account• Sign-up on X.com• Obtain ApplicationID from MyApps page
• Create PayPal Sandbox Test Accounts• Sign-up on developer.paypal.com• Create test accounts (buyer/seller) for Sandbox• Obtain API Credentials
• Install Toolkit• From CodeShare (package or source code)
• Configure Toolkit• API Credentials (Certificate or Signature)• Common request parameters• Remote Site
• Play with Test Tools
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Using The Toolkit
• Initialize Toolkit• PPAdaptiveToolkit object with the required API Credentials • PPAdaptiveToolkit toolkit = new PPAdaptiveToolkit('SandboxCert');
• Create Request object• PPPayRequest payRequest = new PPPayRequest('REQ-PARAMS1', SenderEmail); • payRequest .CancelUrl = 'https://' + host + '/PayApiTest?MainMessage=cancel';• payRequest .ReturnUrl = 'https://' + host + '/PayDetailTest?payKey=$
{payKey}';
• Execute the API call• PPPayResponse payResponse = toolkit.Pay(payRequest );
• Handle the response object– if( payResponse.PaymentExecStatus.equalsIgnoreCase('Created') ) {
// send user to paypal for confirmation
} else if( payResponse.PaymentExecStatus.equalsIgnoreCase('Completed') ) {// success
} else { /*handle error */ }
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PAYPAL X ON IBM CLOUD
PayPal SDK and samples pre-integrated with IBM Cloud images
Enables rapid development and testing with integration to PayPal services
Development and test tooling based on Eclipse with integration to the cloud
Java Sample Applications
Execute against PayPal Sandbox
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PAYPAL X IMAGE
IBM Development and Test Cloud
BrowserDevelopers
IP /
URL PayPal Specific Image:•Tomcat 6.0.26•Eclipse3.5•DB2•PayPal Sample Apps•PayPal SDK
System x
VM
VM
PayPal
VM
System x
VM
VM
PayPal
VM
PayPal Sandbox
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Let us know what you need!
(30% of our roadmap is based on your feedback)
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Twitter: @paypalx, @ppalavilli
www.facebook.com/paypalx
Q & A
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