PayPal XMLPay - 2009 Guia do Utilizador descarregar pdf (Página 11)

XMLPay Developer’s Guide 11

XMLPay Overview

XMLPay Processing Models

z Corporate purchase cards: Levels 1, 2, and 3

z Automated Clearing House (ACH)

XMLPay Operations

Typical XMLPay operations include:

z Funds authorization and capture

z Sales and repeat sales

z Voiding of transactions

XMLPay Processing Models

XMLPay is intended for use in both Business-to-Consumer (B2C) and Business-to-Business

(B2B) payment processing applications.

Business-to-Consumer

In a B2C Sale transaction, the Buyer presents a payment instrument (for example, a credit card

number) to a Seller to transfer money from the Buyer to the Seller.

The Seller uses XMLPay to forward the Buyer’s payment information to a Payment Processor.

The Seller formats an XMLPayRequest and submits it either directly to an XMLPay-

compliant payment processor or, as pictured, indirectly via an XMLPay-compliant Payment

Gateway. Responses have the type XMLPayResponse.

The Buyer-to-Seller and Payment Gateway-to-Processor channels are typically left unaffected

by use of XMLPay. For example, XMLPay is typically not used in direct communications

between the buyer and the seller. Instead, conventional HTML form submission or other

Internet communication methods are typically used. Similarly, because Payment Processors

often differ considerably in the formats they specify for payment requests, XMLPay server

logic is usually localized at the Payment Gateway, leaving the legacy connections between

gateways and processors unchanged.

HTTPS (typical)

XMLPay

Payment

Gateway

Seller

Buyer

Payment

Processor

Financial

networks

Merchant

Web Store

Card 3455-342

$37.95

BUY

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PayPal XMLPay - 2009 Guia do Utilizador Página 11