PayPal

The Tietoevry E-Commerce Payment Gateway (EGW) supports seamless integration with PayPal, one of the most widely used digital wallets globally. With PayPal, merchants can offer customers a secure, familiar, and frictionless payment experience across web and mobile channels.

EGW integrates PayPal as a white-label ready solution, managing all technical flows through the gateway while enabling merchants to activate PayPal as part of their checkout with minimal effort.

Integration Capabilities

EGW supports PayPal via two primary integration types:

1. Redirect-Based Standard Checkout

• EGW initiates a secure PayPal session and redirects the customer to PayPal for authentication and payment approval.

• Once approved, the customer is redirected back to EGW for payment capture and order confirmation.

• Ideal for Hosted Checkout Page integration.

• Fully compliant with SCA requirements via PayPal’s secure login.

• No card or sensitive data handled by EGW or the merchant.

2. PayPal REST API Integration

• EGW handles server-to-server API communication with PayPal.

• This enables advanced flows like delayed capture, refunds, and real-time transaction status updates.

• Used by both Hosted Checkout and API-based merchant integrations.

3. Smart Payment Buttons (JavaScript SDK)

• Not enabled by default in Hosted Checkout.

• May be used by merchants integrating via EGW APIs who want full UI control.

• EGW still handles token capture and status confirmation.

4. Subscription / Recurring Payments

• EGW does not manage full subscription lifecycle.

• However, merchants can initiate token-based agreements and handle subscription logic via PayPal’s own billing APIs.

Customer Checkout Experience

1. Customer selects PayPal on the checkout page.

2. EGW securely redirects the customer to PayPal’s hosted login page.

3. Customer logs in, selects a funding source (PayPal balance, bank, or card), and confirms payment.

4. EGW captures the payment and confirms it with the merchant in real time.

5. Customer is redirected back to the merchant with confirmation status.

Merchant Capabilities

Feature	Description
Hosted Checkout Support	PayPal is available automatically in EGW’s Hosted Checkout UI.
API-Based Support	Merchants using EGW APIs can initiate and complete PayPal transactions via REST APIs.
Refund Management	Merchants can process full/partial refunds via API or Merchant Portal.
Multi-Currency Support	Transactions are processed in the customer’s PayPal currency, subject to merchant account settings.
Real-Time Status Updates	All transaction statuses (initiated, approved, refunded) are available via webhook and dashboard.

Security & Compliance

• Fully compliant with PCI DSS (no card data handled).

• EGW does not store or access customer credentials — all authentication is handled by PayPal.

• SCA is managed via PayPal’s user authentication (password, biometrics, 2FA).

• All transactions are tokenized and tracked via PayPal’s secure APIs.

Business Benefits

• Global reach with access to over 400M+ active PayPal users.

• Increased trust and conversion from a widely recognized payment brand.

• Seamless checkout on mobile and desktop.

• Low integration effort for merchants using plug-ins or Hosted Checkout.

• Refund and status lifecycle fully visible via EGW dashboard or APIs.

Gateway Owner Responsibility

To activate PayPal in a live environment, the Gateway Owner (e.g., Bank or PSP) is responsible for:

• Registering and managing a PayPal Business Account

• Enabling REST API credentials for the payment gateway

• Accepting PayPal’s terms of use and brand guidelines

• Managing merchant onboarding within PayPal, if resold as a white-label solution

These requirements apply to both deployment models:

Delivery Model	Responsibility
Managed Service	Tietoevry provides integration; Gateway Owner manages the PayPal account setup and contracts.
On-Premises	Gateway Owner is responsible for both technical and commercial enablement of PayPal.