World Account now integrated with PayPal
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Always wanted to accept payments via PayPal as well as using a normal merchant facility to accept credit and debit cards? Well with the World Account you now can!

This exciting new service is in conjunction with RBS, and is the only PSP that is fully integrated with PayPal. We also offer the PayPal service for no extra charge.

Why activate PayPal?

• Incremental sales lift - 14% average
• Over 20 million registered users in the UK alone (over 150 million globally)
• One in three UK online shoppers prefer to use PayPal
• Reduce shopping cart abandonment
• No additional transaction fees
• Consolidated reporting

Remember if you are currently using one of our eCommerce Builder shopping carts integrated with the World Account, this now means you will be able to accept PayPal without any further integration work being necessary.

Want to know more? Please use the FAQ's below...

How does a PayPal payment work for the shopper?

The PayPal logo appears on the Payment Method Selection Page. When the shopper clicks on the PayPal logo they are re-directed to PayPal where they are shown the standard PayPal account login page and the PayPal payment proceeds as normal

Does the merchant need to change their integration to accept PayPal?

No.

What does a new merchant need to do to sign up for PayPal?

PayPal requires application information very similar to the information required by us but with a few additions. New merchants go through the normal web application process first and will tick a box in the WebApp to choose PayPal as an additional payment method. Once they have completed their application and have an MAI login, the additional application questions for PayPal are displayed in the MAI. The merchant provides the additional information and we send this and other application data to PayPal. PayPal creates a merchant specific contract and sends us the URL for us to display to the merchant in our MAI. The Merchant goes to the PayPal web site via the MAI link and downloads a merchant specific PayPal contract, which they sign and return to PayPal. Once PayPal have checked the application and contract at their end they notify us that the merchant can be set live with PayPal.

What does an existing merchant need to do to sign up for PayPal?

The merchant should contact Merchant Amendments who will switch on the PayPal application in the MAI Application Status section, after that the process is as above. All merchants applying for PayPal must go through the full KYC checks.

Can the merchant use their existing PayPal account?

No, the routing of payment data for reporting is via the MAI so a separate account is required.

Can a merchant have PayPal only?

No, the merchant cannot have a PayPal account unless they have been accepted for a World Account first. The merchant cannot be live with PayPal unless they are live with us first.

What are the prices for PayPal?

We don’t charge the merchant for processing PayPal so transactions will cost the same as if the merchant applied to PayPal directly. PayPal may change their prices but currently they are:

Eligibility for merchant rates is determined based on PayPal sales volumes from the previous calendar month.

Do refunds and cancellations work?

Yes, the functionality is the same as for card payments. The success of a refund depends on there being sufficient funds in the merchant’s account to be able to send funds back to PayPal and a message to this effect is displayed to the merchant on the MAI when they execute a PayPal refund.

Does AVS / CVC work with PayPal?

PayPal supports 2 checks which use AVS and CVC results slightly differently from card payments. When a PayPal payment is processed, PayPal return a result indicating whether the PayPal account holder’s status is ‘confirmed’ or ‘unconfirmed. Confirmed status means that PayPal have carried out additional identity checks on the merchant. The status check is mapped to the CVC check with a confirmed status providing a match response and unconfirmed providing a mismatch response.

PayPal provide an address check on the delivery address if one is supplied. If the supplied delivery address matches the address of the PayPal account holder, PayPal return a match and this is mapped to an AVS response of ‘matched’. If no delivery address is supplied or if the PayPal check does not match, this is mapped to an AVS response of ‘not matched’.#

Are there any Risk Management Module checks for PayPal?

The standard checks are used but the AVS check is not performed if a delivery address is not supplied i.e. supplied using the delvAddress, delvPostcode parameters etc. This is because PayPal only perform AVS checks on the delivery address.]

Does the merchant need to do any other work at their end?

If the merchant already has PayPal setup on a shopping cart they will need to switch that functionality off so that all payments are routed via the World Account integration.

Does the merchant need to display the PayPal payment logo on their web site?

Yes.

Where does the merchant run reports on PayPal transactions?

In the MAI, the merchant doesn’t have a login to PayPal as they would with a normal PayPal account.

Can PayPal transactions be charged back?

Yes. PayPal sends a comprehensive Dispute Report that will be represented in the World Accounts Dispute Management console for further handling by the merchant.

The allowed reaction time for merchants is 7 days which is shorter than usual for credit card transactions.

PayPal charges (the equivalent of) USD 10 for each charge back.

How will PayPal funds be settled to me?

PayPal will settle to your World Account, who will settle to your bank account. PayPal settles ‘net’, after having deducted the PayPal fee from the transaction amount. Settlement to your World Account will take between 3 and 6 days after capture.