Monetizing your apps with PayPal API:s

21th September 2010

Monetization using PayPalDisruptive Code– m@x.com and dom@x.com

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AGENDA

• Why PayPal?• What is PayPal X?• PayPal for Mobile

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PAYPAL: WHO ARE WE?

• Founded in December 1998, PayPal is a leading global online payment company

• Over 87 million active registered accounts* globally, with over 30 million accounts held in Europe

• Available in 190 markets, supporting 24 currencies

• In Europe, PayPal is accepted by top merchants, including Boots, Top Shop, New Look, Ted Baker, DHL, Lufthansa, Lindt, Vente-Privee, FNAC.com, Mandarina Duck, Correos, Vueling.com

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WHAT IS ADAPTIVE PAYMENTS?

A money movement service that is configurable or "Adaptive" to allow innumerable use cases

– Configurable service suite for any type of payment or transfer– Not limited to web eCommerce payments

Advanced feature: Modular payment approval– Built for web, mobile, future, or custom methods for approval– Pre-approval allows for approval off PayPal.com

Advanced feature: Pre-approved payments– Pre-approval for one-time, multi-use, and subscription payments– Configurable personal identification number (PIN) support

Advanced feature: Parallel and chained payments– Allows single payment to multiple receivers– Facilitates multiple use cases: marketplace payments, service

fees, multi-merchant checkout, and so on

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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THE ACTORS

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: may be the sender, one of the receivers, or a third party

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SEND MONEY

Basic building block allows for the transfer of money from one entity to another

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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

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Appr

oval

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PARALLEL PAYMENTS

• Pay multiple recipients at once

• Future interactions with each transaction can be separate

• Enable partnership opportunities

₤10

₤40

₤50

₤100 Receiver X - ₤10

Receiver Y - ₤40

Receiver Z - ₤50

Sender Visibility

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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– Delayed Disbursments

Supports commission-based payments

PRIMARY

₤10₤40

₤50

₤100

Primary Receiver - ₤100

• Funds transfer is serial

• Reversal and refund tools available to manage business agreements between receivers

Sender Visibility

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COMBINE

PRIMARY

Pre

Appr

oval

AND

C

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COMBINE

Pre

Appr

oval

C

AND

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COMBINE

PRIMARYX

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COMBINE

PRIMARY

AND

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WHAT YOU GET WITH ADAPTIVE PAYMENTS

• Send money

• Implicit send money

• Pre-approved payments (with PIN)

• Parallel split payments

• Chained split payments

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MONETIZATION

SO WHAT CAN I DO WITH ADAPTIVE PAYMENTS?

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SOCIAL NETWORKING

• Want to build a person-2-person send money application for your favorite social networking site?

• You can design a payment solution using Adaptive Payments.

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GAMING

• Want to build a game that takes micropayments on a pay as you go basis?

• You can design a payment solution using Adaptive Payments.

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GAMING PLATFORM

• Want to host many games and take a cut of the payment and pass the rest on game creator?

• You can design a payment solution using Adaptive Payments.

PRIMARY

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PAYOUTS

• Want to create an application to allow people to pay their employees or their vendors exclusively through an API?

• You can design a payment solution using Adaptive Payments.

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CROWD SOURCING

• Want to create a business that needs to pay a workforce in the cloud?

• You can design a payment solution using Adaptive Payments.

OR

PRIMARY

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DISTRIBUTED REFERRAL

• Want to create a simple referral program for shopping carts?

• You can design a payment solution using Adaptive Payments.

PRIMARY

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RENT PAYMENTS

• Want to create an application for landlords to collect rent?

• You can design a payment solution using Adaptive Payments.

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POINT OF SALE - BLINGNATION

• Point of sale device that uses PreApprovals / Chained Payments and an NFC chip.

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PHILIPS NETTV

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Download Movie Pay

Site: Kino.comAmount: 9.00 EUR

PIN: ••••

Payment Successful!

Preapproval

PRIMARY

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ARCHOS ANDROID APPSTORE

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Preapproval

PRIMARY

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SAMPLE APP/CODE1. def rent2. @book = Book.find(params[:id])3. # make a pay API call 4. # setup headers5. headers = {6. "X-PAYPAL-REQUEST-DATA-FORMAT" => "NV",7. "X-PAYPAL-RESPONSE-DATA-FORMAT" => "NV",8. "X-PAYPAL-SECURITY-USERID" => "ppalav_1260515409_biz_api1.yahoo.com",9. "X-PAYPAL-SECURITY-PASSWORD" => "1260515414",10. "X-PAYPAL-SECURITY-SIGNATURE" => "AKLVEVTVnHqz94AZw7FtIDv3MLW4Ar2aWwl8McMd.pAzlu.yuMNbwmLx",11. "X-PAYPAL-APPLICATION-ID" => "APP-80W284485P519543T",12. 'Content-Type' => 'application/x-www-form-urlencoded'13. }14. post_data = {15. 'receiverList.receiver[0].amount' => @book.price,16. 'receiverList.receiver[0].email' => 'pd_1265515509_biz@yahoo.com',17. 'cancelUrl' => 'http://localhost:3000/book/list?PaymentCancel',18. 'returnUrl' => 'http://localhost:3000/book/list?PaymentSuccess',19. 'actionType' => 'PAY',20. 'currencyCode' => 'USD',21. 'memo' => 'Renting+book+' + @book.title,22. 'requestEnvelope.errorLanguage' => 'en_US'23. }24. url = URI.parse("https://svcs.sandbox.paypal.com/AdaptivePayments/Pay")25. http = Net::HTTP.new(url.host, 443)26. http.use_ssl = true27. data = "” 28. post_data.collect { |k, v| data += "#{k.to_s}=#{v.to_s}&" }29. resp, data = http.post(url.path, data, headers)30. resp_params = CGI.parse(data)31. payKey = resp_params['payKey'][0]32. # redirect to PayPal33. authZUrl = "https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_ap-payment&paykey=" + payKey34. redirect_to authZUrl35. end

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PAYPAL FOR MOBILE

Integration Options

Mobile Payment Library (in-app)– Completely in-application payments– Include the Library in your code– Library contains all UI screens and communication with PayPal APIs– Android OS 1.5 and above– iPhone and iPad

Mobile Express Checkout (Beta)– Mobile Browser based checkout (WebKit)– For mobile browser optimised sites or launch browser from app– Uses Existing Express Checkout APIs with User Agent Detection– Guest Checkout (Coming Soon)– Android OS 2.0 and above– iPhone

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PAYPAL FOR ANDROID - MPL

Mobile Payments Library – In-App

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PAYPAL FOR IPHONE - MPL

Mobile Payments Library – In-App

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HELPFUL HINTS – X.COM

1. Visit Apps 101 – Everything you need to know about the

submission process

2. Understand the PayPal X Developer Agreement to know

what is and is not allowed before you begin coding

3. Be as descriptive as possible when relating:

• What your application does

• Your application payment flow

• Who all the players (senders and receivers) are in the

payment flow

4. Contact Developer Technical Services (DTS) if you have

any technical MPL questions via www.paypal.com/dts

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THANK YOU !