Using PayPal to pay end users - ios

I am developing an iOS application that rewards users for specific activities with cash payments. Yes, I understand there are restrictions on this with the App Store and I've considered these. My questions is specifically about the PayPal SDK and whether it is suitable for allowing an iOS application to connect with a user's PayPal account, so the user can elect to receive payment for their rewards. Essentially, I need a "receive payment" button in lieu of a "Pay Now" button. My questions is about iOS specifically and whether or not the PayPal SDK is suitable for receiving payments as a user.

The PayPal-iOS-SDK is for enabling a user/customer to authorize and pay for purchases, or pre-authorize future payments for purchases. Not what you seem to be looking for.
Instead, check out PayPal's Payouts API, which replaces the never-to-be-depreciated MassPay API (for the differences, see this Stack Overflow Q&A). There's also a remote possibility that you're a candidate for the AdaptivePay APIs.

Related

iOS - Allow my app's users to take payment from their own customers?

I currently have an app that allows users to manage their customers. That said, I want my app's users to be able to take payment from their own customers, and have the funds deposit to their own bank accounts. Does anyone know if Stripe, Paypal, or Square has an SDK that would allow users to login to their own payment accounts to take payment? Any help and/or tips are super appreciated!
For PayPal, use a regular Checkout integration (Web JS SDK, Native SDK, and/or server-side REST API integration, as desired) and when creating the order specify a payee object with an email_address or merchant_id that is to receive the payment
See the documentation for details.

Do Apple's iMessage Extensions allow: Custom Payment providers and Custom Authentication?

We would like to port our existing application to iMessage soon.
Our application uses traditional Register / Activate through email, Log-In, then Browse the goods, Make a purchase, pay with your credit card.
We use a reputable payment processor and their tokenization services to process the credit card payment.
My questions are two-fold:
Does Apple allow the use of Custom Authentication (Sign up, Activate, Log-in with your own systems)?
Does Apple allow the use of Non-Apple Pay payment processing. Capturing CC information in the iMessage Extension app and tokenizing it using our existing payment provider?
I could not find any information about it. All documentation for new features largely includes info on things that are newly supported, but they do not like disclosing things that are restricted.

Paypal put funds on hold

I am an iOS developer working on a mobile app
Our app business model is based on creating a niche marketplace between users. i.e a user can request a service and any user can provide the service and get payed by the requester.
We want to prevent misuse of the app by rouge users.
We want to create a user license agreement that will state then once the user submitted a new request to the marketplace with a specific amount then in case all of the criteria will be fulfilled later on - the app will complete the transfer.
Is there an option to put paypal funds on hold to be freezed/ unfreezed later on via the mobile idk/ backend server ?
If a user consents for a future payment, does it guarantee the availability of the funds later on?
Which Paypal API should I use?
Thank you,
Shai

How to pay out money to multiple paypal or venmo or checking accounts from a single business account inside an iOS app

In our app, we are trying to implement a payout feature. If the user correctly performs Action A, we want to be able to pay some incentive money to this user, assuming the user has already connected his account to PayPal or Venmo.
How can I implement this, do PayPal and/or Venmo SDKs/APIs make this possible?
Venmo does not allow you to send money from a business to customers. PayPal does, I believe. You should do this from a backing web service, rather than the app itself. To complete the payment from the app, you would need to embed your account information in the app itself, which would be a security disaster.

Credit card payments via PayPal REST API without being PCI-compliant

Can't understand which PayPal API to use.
I have Rails app and I'd like to accept credit card recurring payments via PayPal. At first I was thinking to use Express Checkout API that supports recurring billing and can work even if a user doesn't have PayPal account. But then I saw that their official ruby gem merchant-sdk-ruby https://github.com/paypal/merchant-sdk-ruby will be deprecated:
This Classic SDK is not actively supported and will be deprecated in
the future. For full support on new integrations, please use the Ruby
Rest SDK
So I don't want to use something that will be deprecated soon. But I can't understand whether I can use REST API to accept credit cards without being PCI-compliant.
I'd like to redirect user to PayPal where he could enter his credit card info and return back to my site like in Express Checkout, but I see only examples where credit card info is collected on my site and passed to PayPal via API that implies more security headache on my site.
UPD: I found some information regarding this question in Accept a PayPal payment section of REST API documentation that is a bit odd because I expected to find it in Accept credit card payments section. They say:
Important: To receive Guest Checkout payments, which allow credit cards, ensure that PayPal Account Optional is enabled on your account
settings. For example, here is the path for US accounts:
Profile > My selling tools > Website preferences > PayPal Account Optional
But I'm still not sure whether it will work in my case. Now I have the following question:
Can I use Guest Checkout feature to accept recurring payments?
Can I test Guest Checkout in Sandbox? And if I can what credit card number to use?
Can I show by default form for entering credit card info when user gets to the PayPal site rather than for entering PayPal credentials?
Ughh... why it is so complicated?
There are couple of samples in PHP code, that could help you understand recurring payment options in REST API.
https://github.com/paypal/PayPal-PHP-SDK/tree/master/sample/billing
Or you could follow up the docs on : https://developer.paypal.com/webapps/developer/docs/api/#billing-plans-and-agreements
I will look into this specifically and get back to you
For trying it out on sandbox, you can create an account here at https://developer.paypal.com/webapps/developer/applications/myapps You need to create an app, and it would generate a valid credit card for you.
This may be very unlikely to do, but I can ask the internal team if they know of any such option.
Railscast #289 is on this. It requires that you sign up for the pro version. Looks pretty involved but he walks you through it.

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