PayPal Virtual Terminal - 2009 User's Guide
Contents
1. a a a L 7 Features and Benefits a e e e a e e a 7 Chapter 2 Security Features aoaaa 9 Card Security Code a 9 Address Verification System 0 ee 9 Chapter 3 Setting Up Your Account Before Using Virtual Terminal 11 Adding a Bank Account ee 11 Confirming Contact Information 2 aa a a 12 Verifying an Extended Credit CardName 0000 eee eee 12 Granting Secondary Access to Virtual Terminal 2 0 ee 13 Revoking Secondary Access to Virtual Terminal o 13 Chapter 4 Performing Transactions Using Virtual Terminal 15 Accessing Virtual Terminal ee 15 Processing a Virtual Terminal Transaction 00 20000 eee 15 Enter your order page a a a a 16 Review your order Page aaou oaa a a a 19 Transaction confirmation page oaoa a a e 20 Chapter 5 Performing Secondary Tasks Using Existing Transactions 23 Capturing an Authorization e 23 Voiding an Authorization 2 o a 24 Virtual Terminal User s Guide EN Contents Processing a Refund lt s s 2 4 isa aa a a e Ba 24 Creating a New Transaction Using Data from a Previous Transaction 25 Chapter6 Withdrawing Funds 2 2 27 Requesting an Electronic Funds Transfer o e e eee 27 Withdrawing Funds by Check2. There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes Error Code 10730 10731 10732 10733 10734 10735 10736 10744 10745 10746 Short Message Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Long Message The shipping zip is invalid Re enter the correct 5 digit zip code The shipping zip is invalid Re enter the correct 5 digit zip code The shipping address is invalid Re enter the correct information The shipping state is invalid The shipping zip is invalid Re enter the correct 5 digit zip code The shipping zip is invalid Re enter the correct 5 digit zip code The shipping city and stateare invalid Re enter the correct information The shipping country code is invalid Re enter the correct information The shipping country code is invalid Re enter the correct information The billing country is i
3. 2 Click the My Account tab and then click the Profile tab 3 In the Billing column click the Manage monthly billing link 4 On the Monthly Billing page review the services that are being cancelled and click Cancel billing 5 Verify the information again as you will lose access to these services and click Cancel billing again The Monthly billing cancelled page confirms that you have cancelled your monthly billing agreement Reactivating Your Virtual Terminal Service To reactivate your Virtual Terminal service you must reactivate your Merchant Services Billing Agreement If you have Virtual Terminal only then when you reactivate the billing agreement you will immediately have access to Virtual Terminal and will be able to use Virtual Terminal to process credit card payments Virtual Terminal User s Guide 45 am Canceling or Reactivating Your Virtual Terminal Service Reactivating Your Virtual Terminal Service If you have Virtual Terminal and Website Payments Pro you will immediately have access to both these services when you reactivate the billing agreement To reactivate the Merchant Services Billing Agreement for Virtual Terminaland or Website Payments Pro and Virtual Terminal 1 Log in to your PayPal account at https www paypal com 2 Click the My Account tab and then click the Profile tab 3 In the Billing column click the Manage monthly billing link 4 On the Reactivate monthly payment agree
4. Invalid data Invalid data Invalid data Long Message Invoice ID value exceeds maximum allowable length We can t process this transaction because you have not accepted your billing agreement We can t process this transaction because your billing agreement is disabled or inactive This card has expired Enter a valid date The CSC is invalid Enter a valid 3 digit code AVS returned a response value of N Your merchant account provider doesn t accept this value Contact them for a list of accepted codes We can t process this transaction Contact PayPal Customer Service This card expiration date is invalid Enter a valid 2 digit month and a 4 digit year MM YY Y Y You must submit a buyer IP with each API call We don t support this card Select another one You selected an unsupported value field Enter the buyer s first name Enter the buyer s last name Corrective Action Ensure that the Invoice ID value does not exceed the maximum allowable length Occurs when you have not agreed to the billing agreement Occurs when the billing agreement is disabled or inactive The credit card used has expired The CSC provided is invalid The CSC is between 3 digit long The transaction was refused because the AVS response returned the value of N and the merchant account is not able to accept such transactions Your PayPal account is restricted contact PayPal Custome
5. After setting up your account to use Virtual Terminal you are ready to process transactions You can access the Virtual Terminal by logging into your PayPal account at https www paypal com Processing a Virtual Terminal Transaction This section explains how to perform a Sale an Authorization or a Credit if applicable transaction using the Virtual Terminal Processing an order using the Virtual Terminal is a three step process 1 Enter the transaction information on the Enter your order page 2 Verify the information and submit the transaction on the Review your order page 3 If the transaction is successful view the transaction details on the Transaction confirmation page Virtual Terminal User s Guide 15 Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Enter your order page Perform the following steps on the Enter your order page to process a transaction FIGURE 4 1 Enter your order page Enter your order Help with this page Hide optional billing and shipping fields 16 Payment information Currency U S Dollars Net amount 0 00 USD Shipping g 0 00 optional USD J Applytaxto shipping cae CO los Taxamount 0 00 USD Total 0 00 USD Description Example iter optional Invoice ID optional Transaction information Transaction type Select Y What s this A Cardtype Select Card number Enter C
6. Code 10747 10748 10750 10751 10752 10754 10755 10756 10758 Short Message Invalid data Invalid data The field shipping address state is invalid Invalid data Gateway decline Gateway decline Invalid data Gateway decline Invalid configuration Long Message You entered the IP address in an invalid format Enter it as 123 456 123 456 Your settings require a CSC code Re enter or provide the correct 3 digit code Contact Customer Service to change your settings The field shipping address state is invalid The billing state is invalid Re enter the correct information Your card issuer not PayPal declined this transaction Try another card We ve declined this transaction Contact PayPal Customer Service We don t support this currency code Re enter the correct information The country and billing address associated with this card don t match Re enter the correct information The API username and or password are invalid Re enter the correct information Corrective Action The merchant entered an IP address that was in an invalid format The IP address must be in the following format 123 456 123 456 The merchant s configuration requires a CSC to be entered but no CSC was provided with this transaction Contact PayPal if you wish to change this setting There was a problem with a particular field in the address The long error message will
7. See additional error messages for details Transaction refused because of an invalid argument See additional error messages for details Transaction refused because of an invalid argument See additional error messages for details Transaction refused because of an invalid argument See additional error messages for details Long Message PaymentAction of Order is temporarily unavailable Please try later or use other PaymentAction Order total is missing The currencies of the shopping cart amounts must be the same Item total is invalid Shipping total is invalid Handling total is invalid Tax total is invalid Corrective Action Use another PaymentAction or try again after some time Enter an order total Use the same currency for the shopping cart Enter a valid number of items Enter a valid number for shipping total Enter a valid number for handling total Enter a valid number for tax total Virtual Terminal User s Guide 29 30 Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error Code 10432 10500 10501 10502 10504 10505 10507 10508 10509 10510 10511 10512 10513 Short Message Invalid argument Invalid configuration Invalid configuration Invalid data Invalid data Gateway decline Invalid configuration Invalid data Invalid data Invalid data
8. Select a different card or currency Enter the complete billing address Enter a valid credit card expiration year Enter a valid credit card expiration month There was a problem processing this transaction Select a country that is supported by the merchant Select a credit card type that is supported Authorization is not support for this funding source If you want to require valid CSC values change the risk control settings in your account profile Enter a valid billing address Virtual Terminal User s Guide 35 36 Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error Code 10702 10703 10704 10705 10706 10707 10708 10709 10709 10710 Short Message Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Long Message Billing address is invalid Re enter the correct information Billing address is invalid Re enter the correct information The billing city is invalid Re enter the correct information The billing state is invalid Re enter the correct information The billing zip is invalid Re enter the correct 5 digit zip code The billing country is invalid Re enter the correct information The billing country is invalid Re enter the correct information The billin
9. click the Payment Receiving Preferences link 4 In the Extended Credit Card Statement Name field enter your business name as you want it to appear on your customers credit card statements 5 Click Save Virtual Terminal User s Guide Setting Up Your Account Before Using Virtual Terminal Granting Secondary Access to Virtual Terminal Granting Secondary Access to Virtual Terminal By default Virtual Terminal is set up so that a single user can process transactions However you can provide multiple users such as employees with the ability to process transactions using Virtual Terminal To do this add them to your account as secondary users and then grant them permission to use Virtual Terminal through PayPal s Multi User Access feature Multi User Access enables you to grant multiple secondary users various levels of access to a single PayPal account You can add up to 200 secondary users to your PayPal account NOTE The account owner is the only user on the account that can change the secondary users access privileges The secondary users do not have full access to all features of your PayPal account they only have access to the features you grant them access to To grant a secondary user access to Virtual Terminal 1 Log in to your PayPal account at https www paypal com 2 Click the Profile tab 3 In the Account Information column click the Manager Users link to view all your current users 4 On the
10. numeric requirements NoTE Regardless of the setting this information does not appear on your credit card statement Also this field does not appear if you are performing a Credit transaction 2 Select a transaction type and enter the credit card information for the transaction Transaction type Select Sale Credit if applicable or Authorization from the drop down menu Sale Instantly charges the specified amount against the account and marks the transaction for immediate funds transfer capture during the next settlement period Use this option if you plan to ship or deliver items within 24 hours This option is commonly used by small and medium sized merchants Credit Returns a specific amount to a transaction or credit card that was not originally processed through your PayPal Virtual Terminal account If you want to credit a transaction that was processed using your PayPal Virtual Terminal account refer to Processing a Refund on page 24 Depending on your account you may not have access to this option Contact PayPal Customer Service for additional information or to see if your account is eligible for Credit transactions Authorization Initiates the transaction but collects the payment later It is the first part of a two step process primarily used by large merchants who require greater flexibility when processing payments The first step Authorization sends a request to verify that the credit card has su
11. 2 0 2 ce 27 Chapter 7 Virtual TerminalResponse Codes and Messages 29 System Response Codes a 29 Card Security Code Responses a 42 Address Verification System Responses 00 000 eee ee ee eee 43 Chapter 8 Canceling or Reactivating Your Virtual Terminal Service 45 Canceling Your Virtual Terminal Service e 45 Reactivating Your Virtual Terminal Service 45 6 Virtual Terminal User s Guide Getting Started with Virtual Terminal What is Virtual Terminal PayPal s Virtual Terminal is a web based application that allows you access through your PayPal account to accept credit card payments It provides your business with the functionality similar to a stand alone credit card processing terminal Virtual Terminal is ideal for merchants that receive orders by phone fax card reader or by mail and want to accept credit cards You can use Virtual Terminal on any computer with an internet connection and a web browser Note For best performance use Internet Explorer 6 0 Netscape Navigator 7 0 or FireFox 1 0 Features and Benefits Here are the features and benefits of Virtual Terminal e Grow your business Accept orders and process payments for major credit cards Extend your reach to customers who prefer not to pay online including customers who do not have a PayPal account e Use PayPal as a one stop payme
12. Manager Users page click Add User to add secondary users 5 On the Add Users page enter the user s name user ID and password in the appropriate fields 6 Select the Virtual Terminal checkbox 7 Click Save The user is added to your account as a secondary user with permission to use Virtual Terminal Revoking Secondary Access to Virtual Terminal or security reasons you may need to revoke a user s access to Virtual Terminal F t dt k to Virtual T l To revoke a user s access to Virtual Terminal Log in to your PayPal account at https www paypal com Click the Profile tab In the Account Information column click the Manager Users link 1 2 3 4 Select the user whose access you wish to revoke and click Edit 5 On the Edit User Access page deselect Virtual Terminal 6 Click Save Virtual Terminal User s Guide 13 a Setting Up Your Account Before Using Virtual Terminal Revoking Secondary Access to Virtual Terminal Once you revoke the privileges the selected user is no longer be able to access Virtual Terminal or process Virtual Terminal transactions 14 Virtual Terminal User s Guide Performing Transactions Using Virtual Terminal This chapter provides detailed instructions for performing transactions using the Virtual Terminal It contains the following information e Accessing Virtual Terminal e Processing a Virtual Terminal Transaction Accessing Virtual Terminal
13. customers can contact you about their purchases and that PayPal can contact you regarding your account if needed To verify and update your business contact information 1 Log in to your PayPal account at https www paypal com Click the Profile tab 2 3 In the Account Information column click Business Information 4 On the Review your information page verify the contact information 5 If you need to make modifications click Edit and enter your updated information Make sure that the following information is accurate Customer Service email This email address is included in emails from PayPal to your customers Customers may use this email to contact you Customer Service phone This phone number is printed on customers credit card statements Customers may use this number to contact you 6 Click Save Verifying an Extended Credit Card Name The extended credit card name is the business name that appears on your customers credit card statements along with the amount of the Virtual Terminal transaction The name can be up to 19 characters long including spaces and should include alpha and numeric characters only The name is printed in all caps on credit card statements and might be truncated by some card processors To set up your extended credit card name 1 Log in to your PayPal account at https www paypal com 2 Click the Profile subtab 3 In the Security and Risk Settings column
14. message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Virtual Terminal User s Guide 37 38 Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error Code 10720 10721 10722 10723 10724 10725 10726 10727 10728 10729 Short Message Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Long Message The shipping address is invalid Re enter the correct information The shipping address is inval
15. s country of residence from the drop down menu Virtual Terminal User s Guide 17 ms Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Billing address Enter the street number and name of the billing address City Enter the city of the billing address State Select the state of the billing address from the drop down menu Zip Enter the zip code of the billing address Phone Enter the phone number of the billing contact Email Enter the email address of the billing contact 4 Select one of the following shipping options No shipping address required if you are not shipping anything for this transaction Shipping address is the same as billing address if the billing and shipping addresses are the same Enter a different shipping address if your billing and shipping addresses are different This option displays the fields of the shipping address where you enter the shipping address information Refer to the billing information above for details regarding the fields NOTE The shipping options section does not appear if you are performing a Credit transaction 5 Click Review to proceed to the Review your order page to verify the information you entered Note If the information is incorrectly entered in the fields you will see the corresponding error messages on the Enter your order page when you click Review Correct these errors using the sugge
16. the shipping address Enter the correct state Enter the country of the shipping address Enter the zip code for the shipping address The credit card entered is currently restricted by PayPal Contact PayPal Customer Service for more information The credit card entered is invalid The merchant entered an invoice ID that is already associated with a transaction by the same merchant By default the invoice ID must be unique for all transactions To change this setting log into PayPal or contact PayPal Customer Service The transaction was declined by the country filter managed by the merchant To accept this transaction change your risk settings on PayPal 32 Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes Error Code 10538 10539 10540 10541 10542 10543 10544 10545 10546 10547 Short Message Filter decline Filter decline Invalid data Gateway decline Invalid data Card authorization failed Gateway decline Gateway decline Gateway decline Internal error Long Message Your maximum amount filter declined this transaction Log in to PayPal and change your risk settings We ve declined this transaction Contact Customer Service for more information You entered an invalid address Re enter the information The card is restricted Contact PayP
17. void an Authorization transaction 1 Log in to your PayPal account at https www paypal com 2 Click the History tab 3 Click the Details button associated with the authorization you want to void 4 On the Transaction Details page click on the Void button associated with the authorization 5 Verify the void details on the Void Authorization section Optionally add a note to the buyer explaining the void and click Continue 6 On the Confirm Void page click Void Note After performing an authorization using the Virtual Terminal you can immediately perform a void action by clicking the Transaction ID on the Transaction confirmation page Follow the step 3 above to void the transaction Processing a Refund If you want to refund a customer for a successful Sale transaction you previously processed you must process a refund You can send your customer a refund within 60 days after receiving the original payment by clicking the Issue Refund link on the Transaction Details page After 60 days of receiving the payment you need use the Send Money tab to send the refund To send a refund within 60 days of receiving the original payment 1 Log in to your PayPal account at https www paypal com 2 Click the History tab 3 Find the payment you would like to refund and click Details to open the Transaction Details page Virtual Terminal User s Guide Performing Secondary Tasks Using Existing Transactions Creatin
18. 0533 10534 10535 10536 10537 Short Message Unable to make this transaction Shipping address is missing The city in the shipping address is missing The state in the shipping address is missing The country in the shipping address is missing The zip code in the shipping address is missing Gateway decline Gateway decline Invalid data Filter decline Long Message We re unable to complete this transaction because the amount exceeds the payer s spending limit Shipping address is missing Enter the correct information The city in the shipping address is missing Enter the correct information The state in missing Enter the correct information The country in the shipping address is missing Enter the correct information The zip code in the shipping address is missing Enter the correct information The card is restricted Contact PayPal Customer Service The card type or card number is invalid Re enter the information You already tied this invoice ID to another transaction By default invoice IDs are unique To change this setting log in to PayPal and go to Payment receiving preferences on the Profile page or contact Customer Service for more information Your country filter declined this transaction Log in to PayPal and change your risk settings Corrective Action Enter the correct amount Enter the correct shipping address Enter the correct city for
19. PayPal Virtual Terminal User s Guide For Professional Use Only Currently only available in English A usage Professional Uniquement Disponible en Anglais uniquement pour l instant Last updated August 2009 PayPal Virtual Terminal User s Guide Document Number 10061 en_US 200908 O 2009 PayPal Inc All rights reserved PayPal is a registered trademark of PayPal Inc The PayPal logo is a trademark of PayPal Inc Other trademarks and brands are the property of their respective owners The information in this document belongs to PayPal Inc It may not be used reproduced or disclosed without the written approval of PayPal Inc Copyright O PayPal All rights reserved PayPal Europe S r l et Cie S C A Soci t en Commandite par Actions Registered office 22 24 Boulevard Royal L 2449 Luxembourg R C S Luxembourg B 118 349 Consumer advisory The PayPal payment service is regarded as a stored value facility under Singapore law As such it does not require the approval of the Monetary Authority of Singapore You are advised to read the terms and conditions carefully Notice of non liability PayPal Inc is providing the information in this document to you AS IS with all faults PayPal Inc makes no warranties of any kind whether express implied or statutory with respect to the information contained herein PayPal Inc assumes no liability for damages whether direct or indirect caused by errors or omission
20. al Customer Service You entered an invalid email address Re enter the information We couldn t authorize this card Try another card We ve declined this transaction Contact Customer Service for more information We ve declined this transaction Contact Customer Service for more information We ve declined this transaction Contact Customer Service for more information We can t process your transaction right now Try again later Corrective Action The transaction was declined by the maximum amount filter managed by the merchant To accept this transaction change your risk settings on PayPal The transaction was declined by PayPal Contact PayPal Customer Service for more information The transaction was declined by PayPal because of an invalid address The credit card entered is currently restricted by PayPal Contact PayPal Customer Service for more information The email address provided by the buyer is in an invalid format The card couldn t be authorized Use another card The transaction was declined by PayPal Contact PayPal Customer Service for more information The transaction was declined by PayPal because of possible fraudulent activity Contact PayPal Customer Service for more information The transaction was declined by PayPal because of possible fraudulent activity on the IP address Contact PayPal Customer Service for more information None this is a Pa
21. al User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes Error Code 10710 10711 10712 10713 10714 10715 10716 10717 10718 10719 Short Message Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Invalid data Long Message The billing city is invalid Re enter the correct information The billing state is invalid Re enter the correct information The billing zip is invalid Re enter the correct 5 digit zip code The billing country is invalid Re enter the correct information The billing address is invalid Re enter the correct information Billing state is invalid Re enter the correct information The billing zip is invalid Re enter the correct information The billing zip is invalid Re enter the correct 5 digit zip code The billing city and state are invalid Re enter the correct information The shipping address is invalid Re enter the correct information Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error
22. ayPal account by requesting a check To withdraw funds by check 1 Log in to your PayPal account at https www paypal com 2 Click the My Account tab Virtual Terminal User s Guide 27 28 Withdrawing Funds Withdrawing Funds by Check 3 Click the Withdraw subtab 4 Click the Request a check from PayPal link 5 Enter the requested information on the Withdraw Funds by Check page 6 Click the Continue button NoTE Please allow 1 2 weeks to receive your check If you have not received your check after 14 business days contact PayPal Customer Service Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages This chapter contains the Virtual Terminal response codes that may appear on the Virtual Terminal pages They are arranged in the following categories e System Response Codes e Card Security Code Responses e Address Verification System Responses System Response Codes This section contains the system response codes and their corresponding messages TABLE 7 1 Virtual Terminal Response Codes Error Code 10102 10401 10418 10426 10427 10428 10429 Short Message PaymentAction of Order Temporarily Unavailable Transaction refused because of an invalid argument See additional error messages for details Transaction refused because of an invalid argument See additional error messages for details Transaction refused because of an invalid argument
23. ccount attempting the transaction is not a business account at PayPal Check your account settings The merchant account attempting the transaction is not able to process Direct Payment transactions Contact PayPal Customer Service for more information Access to Direct Payment was disabled for your account Contact PayPal Customer Service for more information The merchant account attempting the transaction does not have a confirmed email address with PayPal Check your account settings The merchant attempted a transaction where the amount exceeded the upper limit for that merchant The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS returned a no match AVS N The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS returned a partial match The transaction was declined because of a merchant risk filter for AVS Specifically the merchant has set to decline transaction when the AVS was unsupported Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes Error Code 10557 10558 10561 10562 10563 10564 10565 10566 10570 10571 10701 Short Message Profile preference setting Unsupported currency for card
24. count balance gt View recent account activity gt View profile Date and time May14 2008 09 14 24 AM PDT Transaction type Sale Cardtype Mastercard Card number 0000000000061 00 Start Using PayPal Invoicing Total 2 01 USD including tax and shipping gt Lower your transaction fees gt Get paid faster gt Send detailed business invoices in minutes for good or services Print receipt Print packing slip gt Automatically calculate postage details tax and currency conversions Invoicing If the transaction is not successful you are returned to the Enter your order page instead There you can review the error messages and make the appropriate modifications to process the transaction again The Transaction confirmation page contains the following information e Transaction ID Identification number that PayPal assigns to each transaction Click on the Transaction ID to access the Transaction Details page for more information about the transaction On the Transaction Details page you can perform secondary tasks such as Void Capture Refund or create a new transaction based on the information provided for this transaction e Date and time Date and time of the transaction in PST e Transaction type Type of transaction performed For example Authorization e Card type Type of credit card used for the transaction For example MasterCard e Card number Number of the credit card used for the transaction For sec
25. d is checked by PayPal and a CSC response code is displayed This code tells you about the status of the CSC check For details about what the codes mean see Card Security Code Responses on page 42 Address Verification System Address Verification System AVS matches the number portion of the customer s billing address that is on file at the cardholder s issuing bank against the billing address you enter in Virtual Terminal If the information does not match the transaction is declined NOTE AVS is primarily available for US based cards with limited international support When you finish entering an order in Virtual Terminal PayPal performs the AVS match and an AVS response code is displayed The code tells you what part of the entered customer s billing address was matched by AVS If you want to only accept AVS positive transactions then you should process Authorization and Capture transactions based on the response For details about what the codes mean see Address Verification System Responses on page 43 Virtual Terminal User s Guide Security Features Address Verification System 10 Virtual Terminal User s Guide Setting Up Your Account Before Using Virtual Terminal Before you start processing transactions using the Virtual Terminal PayPal recommends you make some changes to your account settings This chapter contains information about tasks you should perform before using Virtual Terminal The ta
26. e N No None NOTE The transaction is declined P Postal International Z Postal Code only no Address R Retry Not applicable S Service not Supported Not applicable U Unavailable Not applicable W Whole ZIP Nine digit ZIP code no Address X Exact match Address and nine digit ZIP code Y Yes Address and five digit ZIP Z ZIP Five digit ZIP code no Address All others Error Not applicable Virtual Terminal User s Guide a Virtual TerminalResponse Codes and Messages Address Verification System Responses 44 Virtual Terminal User s Guide Canceling or Reactivating Your Virtual Terminal Service This chapter contains information about the following topics e Canceling Your Virtual Terminal Service e Reactivating Your Virtual Terminal Service Canceling Your Virtual Terminal Service To cancel Virtual Terminal you must cancel your Merchant Services Billing Agreement If you have Virtual Terminal only then when you cancel the billing agreement you will immediately lose access to Virtual Terminal and will not be able to use Virtual Terminal to process credit card payments However if you have Virtual Terminal and Website Payments Pro you will immediately lose access to both these services when you cancel the billing agreement To cancel the Merchant Services Billing Agreement for Virtual Terminal and or Website Payments Pro and Virtual Terminal 1 Log in to your PayPal account at https www paypal com
27. fficient funds and reserves the requested amount If sufficient funds are available the second step is to manually capture the funds You can capture a transaction amount that differs slightly from the amount that was originally authorized This process enables the merchant to modify the order amount to reflect changes such as taxes shipping or item availability that occur after the initial order is placed To learn more see Capturing an Authorization on page 23 Card type Select a card type from the drop down menu Only the cards listed in the drop down menu are supported Card number Enter the card number without any spaces or dashes Expiration date Enter the card expiration date in the following format mm yyyy CSC Enter the credit card s card security code to verify that the customer is in possession of the actual credit card For Visa MasterCard and Discover this three digit number appears on the back of the card after the credit card number For American Express this four digit number appears on the front of the card above the credit card number For complete details refer to Card Security Code on page 9 3 Complete the billing information section IMPORTANT This is the address where the customer receives their credit card statements First name Enter the billing contact s first name Last name Enter the billing contact s last name Country Select the billing contact
28. g Enter the correct information The card field is empty Enter a valid card number The total and item amounts don t match Re enter the information The card number is invalid Enter a valid 14 digit number without dashes or spaces The card number is invalid Enter a valid 14 digit number without dashes or spaces We can t process your transaction right now Try again later You entered an amount of zero Enter a valid amount We don t support this currency code Re enter the correct information The card type or card number is invalid Re enter the correct information Corrective Action Enter a correct billing address Enter the city of the billing address Enter the correct state information Enter the country of the billing address Enter the zip code of the billing address The credit card field was blank The total amount and item amounts do not match Enter a complete credit card number Enter a complete credit card number None this is a PayPal internal error The merchant entered a amount of zero The currency code entered is not supported Re enter the correct information The credit card entered is invalid Re enter the correct information Virtual Terminal User s Guide 31 Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error Code 10528 10529 10530 10531 10532 1
29. g a New Transaction Using Data from a Previous Transaction 4 On the Transaction Details page click Issue Refund 5 Enter the full or a partial refund amount and an optional message to the customer and click Continue Be sure that the refund amount does not exceed the original amount 6 On the Review and process refund page verify the refund amount and click Issue Refund The original transaction fee is credited back to you when you perform a refund within 60 days of receiving payment If you perform a partial refund a portion of the transaction fee will be credited back to you To send a refund after 60 days of receiving payment 1 Log in to your PayPal account at https www paypal com 2 Click the Send Money tab 3 Enter the required information and click Continue 4 Review the information on the confirmation page and click Send Money to complete your transaction Creating a New Transaction Using Data from a Previous Transaction PayPal enables you to use information stored from a previous transaction to quickly create a new transaction The transaction data from a previous transaction of your choice is automatically transferred to populate the fields of the order page in Virtual Terminal for a new transaction Note Depending on your account you may not have access to this option Contact PayPal Customer Service for additional information or to see if you r acount is eligible for such transactions To crea
30. g address is invalid Re enter the correct information The billing address is invalid Re enter the correct information The billing city is invalid Re enter the correct information Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Virtual Termin
31. id Re enter the correct information The shipping city is invalid Re enter the correct information The shipping state is invalid Re enter the correct information The shipping zip is invalid Re enter the correct 5 digit zip The shipping country is invalid Re enter the correct information The shipping address is invalid Re enter the correct information The shipping address is invalid Re enter the correct information The shipping city is invalid Re enter the correct information The shipping state is invalid Re enter the correct information Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid
32. l 16 transaction confirmation page 20 transaction ID 20 transaction type 17 V Virtual Terminal accessing 15 benefits 7 enter your order page 16 errors 29 features 7 overview 7 review your order page 19 transaction confirmation page 20 voiding authorization 24 zip 18
33. ment page click Reactivate The Monthly payment agreement reactivated page appears It lists the services that have been reactivated and the monthly fees associated with each one You can also reactivate your services through the Next Steps section on the Overview page 46 Virtual Terminal User s Guide Index A Accessing 15 accessing 15 adding extended credit card name 12 address verification system 9 responses 43 authorization 17 capturing 23 voiding 24 AVS 9 B benefits 7 billing address 18 C capturing authorization 23 card number 17 card security code 9 17 responses 42 card type 17 city 18 confirming contact information 12 country 17 county 18 creating new transaction 25 credit 17 CSC 9 17 currency 16 D date and time 20 description 16 E email 18 enter your order page 16 errors 29 expiration date 17 F features 7 first name 17 G granting secondary access 13 invoice ID 16 L last name 17 N net amount 16 new transaction 25 O overview 7 P phone 18 print packing slip 21 receipt 20 processing refund 24 47 48 R refund 24 responses address verification system 43 card security code 42 review your order page 19 revoking secondary access 13 S secondary access granting 13 revoking 13 security features 9 address verification system 9 card security code 9 setting up account 11 shipping 16 state 18 T tax amount 16 tax rate 16 tota
34. merican Express CSC Code Meaning M Match N No match P Not processed S Service not supported U Service not available X No response Matched Details CSC None Not applicable Not applicable Not applicable Not applicable Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages Address Verification System Responses Address Verification System Responses If an AVS error occurs when processing an order 1t might be due to out of date information in the customer s credit card company s database This can happen if the customer has changed their billing address recently because some credit card companies can take up to six months to update a billing address in their database By default PayPal rejects a transaction if the AVS response is C E N or I PayPal does not reject the transaction if the customer is international or if the AVS system is unavailable TABLE 7 6 AVS Response Codes for Visa MasterCard Discover and American Express AVS Code Meaning Matched Details A Address Address only no ZIP B International A Address only no ZIP C International N None NOTE The transaction is declined D International X Address and Postal Code E Not allowed for MOTO Internet Phone Not applicable iran sacuons NOTE The transaction is declined F UK specific X Address and Postal Code G Global Unavailable Not applicable I International Unavailable Not applicabl
35. nt solution Process your customers orders through a PayPal hosted online payment form You do not need a separate merchant account e Keep costs low Pay the same low processing rate for all card types Note PayPal s Seller Protection Policy does not apply to transactions processed using Virtual Terminal Virtual Terminal User s Guide a Getting Started with Virtual Terminal Features and Benefits 8 Virtual Terminal User s Guide Security Features When you process an order with Virtual Terminal PayPal verifies the customer s credit card and billing address to prevent credit card fraud This chapter discusses the security features PayPal uses to verify this information e Card Security Code e Address Verification System Card Security Code Card security code CSC is an anti fraud security feature It helps to protect against fraud by helping to ensure that a person cannot use credit card details to make a transaction without being in possession of the actual card itself When you process an order using the Virtual Terminal you enter the credit card s CSC on the Enter your order page e For Visa MasterCard and Discover three digit CSC is printed on the back of the card immediately next to the card s account number e For American Express the four digit CSC is printed on the front of the card above the card s account number When you finish entering an order in Virtual Terminal the CSC you entere
36. nvalid Re enter the correct information Corrective Action There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid There was a problem with a particular field in the address The long error message will tell you what field is invalid Virtual Terminal User s Guide 39 ay Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error
37. o receive payment Note PayPal recommends that you capture payments within three days of the original authorization To capture an Authorization transaction 1 5 Log in to your PayPal account at https www paypal com 2 Click the History tab 3 4 Click the Capture button associated with the transaction you want to capture Review the information on the Capture Funds page input the amount to capture and click Continue On the Confirm Capture of Funds page click Capture Funds The funds are transferred to your PayPal account Note After performing an Authorization transaction using the Virtual Terminal you can immediately perform a capture by clicking the Transaction ID on the Transaction confirmation page Follow step 2 above to capture the transaction Virtual Terminal User s Guide 23 24 Performing Secondary Tasks Using Existing Transactions Voiding an Authorization Voiding an Authorization If you initiated an authorization and now want to refund the customer you must void the authorization Voids are available on Authorization transaction types only After you void an Authorization transaction you cannot capture any funds associated with that transaction and the funds are returned to the customer NoTE Voiding an authorization cancels the entire open amount You can initiate a void if e the authorization is pending e the authorized amount was captured at less than 100 To
38. omplete the fields in the payment details section Currency Select the currency type of the transaction from the drop down menu Net amount Enter the payment amount for the item without shipping charges and taxes Shipping Enter the shipping charges for the transaction If you want to apply taxes to the shipping amount select the Apply tax to shipping checkbox Tax rate Enter the sales tax rate for the transaction Tax amount The tax amount is automatically calculated based on the numbers you entered in the fields above Total The total amount that the customer will be charged for the transaction is automatically calculated based on the numbers you entered in the fields above Description Provide details about this transaction for future reference You can use this information to search for the transaction at a later time Note This information does not appear on your credit card statement Invoice ID Enter a unique non repeated alpha numeric or alpha numeric value to prevent accidental payments by blocking duplicate invoice IDs The Block Accidental Payments setting can be modified under Profile gt Security and Risk Settings gt Payment Receiving Preferences gt Block Accidental Payments The default is set to Virtual Terminal User s Guide Performing Transactions Using Virtual Terminal PE Processing a Virtual Terminal Transaction Yes If reset it can be used for any information without any unique or alpha
39. r Service for more information The expiration date must be a two digit month and four digit year You must submit an IP address of the buyer with each API call The credit card type entered is not currently supported by PayPal The merchant selected an value for the PaymentAction field that is not supported The first name of the buyer is required for this merchant The last name of the buyer is required for this merchant Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes Error Code 10514 10515 10516 10517 10518 10519 10520 10521 10522 10523 10525 10526 10527 Short Message Billing address is missing The city in the billing address is missing The state in the billing address is missing The country in the billing address 1s missing The zip code in the billing address 1s missing Invalid data Invalid data Invalid data Invalid card number Internal data Invalid data Invalid data Invalid data Long Message Billing address is missing Enter the correct information The city in the billing address is missing Enter the correct information The state in the billing address is missing Enter the correct information The country in the billing address 1s missing Enter the correct information The zip code in the billing address is missin
40. s or resulting from the use of this document or the information contained in this document or resulting from the application or use of the product or service described herein PayPal Inc reserves the right to make changes to any information herein without further notice Preface About This Guide The PayPal Virtual Terminal User s Guide describes how to set up and use Virtual Terminal to process credit card transactions online It includes information about capturing voiding refunding and creating new transactions withdrawing funds from your PayPal account security features to prevent credit card fraud errors encountered while using the Virtual Terminal canceling Virtual Terminal account reactivating Virtual Terminal account Intended Audience This guide is for merchants that receive orders by phone fax card reader or by mail and want to use Virtual Terminal to process credit cards Documentation Feedback Help us improve this guide by sending feedback to documentationfeedback paypal com Virtual Terminal User s Guide Preface Documentation Feedback 4 Virtual Terminal User s Guide Contents Preface 2 2 2230202 aa Pe a eee ee a a ee a About This Guide a 3 Intended Audience a ea ae aLa iin URT Do a eD a e 3 Documentation Feedback aoaaa aa a a a a a a a a a 3 Chapter 1 Getting Started with Virtual Terminal 7 What is Virtual Terminal
41. sks are e Adding a Bank Account e Confirming Contact Information e Verifying an Extended Credit Card Name e Granting Secondary Access to Virtual Terminal e Revoking Secondary Access to Virtual Terminal Adding a Bank Account To add a bank account to your PayPal account 1 Log in to your PayPal account at https www paypal com 2 Click the Add a bank link in the Next Steps box 3 On the Link your bank account page complete the fields and click Continue Norte You must confirm your bank account before you can add funds to your PayPal account PayPal automatically sends two deposits to bank account you have added The amount of each deposit is between 0 01 and 0 99 and usually appears in your account in 2 3 business days 4 Once you have received the two deposits log in to your PayPal account and then click the Confirm Bank Account link in the Next Page box 5 Enter the deposit amounts on the Confirm Bank Account page and then click Submit Once you have confirmed your bank account you can access your funds by requesting an electronic funds transfer or a check Virtual Terminal User s Guide 11 Setting Up Your Account Before Using Virtual Terminal Confirming Contact Information Confirming Contact Information Before you start processing transactions using the Virtual Terminal verify that your business contact information is correct and complete under the Profile tab Accurate information ensures that
42. ss your transaction right now Try again later We declined this transaction because this card had too many failures over a short period Contact Customer Service for more information We ve declined this transaction Contact Customer Service for more information We ve declined this transaction because you don t have a valid Commercial Entity Agreement on file Contact Customer Service for more information Corrective Action The transaction was declined by PayPal Contact PayPal Customer Service for more information The merchant s country of residence listed in their PayPal account is not currently supported to allow Direct Payment transactions The transaction was declined because PayPal is currently processing a transaction by the same buyer for the same amount Can occur when a buyer submits multiple identical transactions in quick succession The CSC provide is invalid The CSC is between 3 digit long None this is a PayPal internal error The transaction was rejected by PayPal because of excessive failures over a short period of time for this credit card Contact PayPal Customer Service for more information The transaction was declined by PayPal Contact PayPal Customer Service for more information The transaction was declined because the merchant does not have a valid Commercial Entity Agreement on file with PayPal Contact PayPal Customer Service for more information Virt
43. stions in the error messages and click Review again 18 Virtual Terminal User s Guide Review your order page The Review your order page displays the information you input on the Enter your order page Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction FIGURE 4 2 Review your order page Review your order Net amount Shipping Tax amount Total Description Transaction type Card type Card number Expiration date First name Last name Address Verify the information on this page Click Edit to return to the previous page to make modifications or click Submit to process the transaction Virtual Terminal User s Guide Payment information 120 USD 1 USD Do not apply tax to shipping 9 60 USD 130 60 USD including tax and shipping clothes Transaction information Authorization Mastercard 000000000051 00 12 2012 Billing information John Smith 123 Main St San Jose CA 95054 United States 19 20 Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Transaction confirmation page The Transaction confirmation page appears when your transaction is successfully submitted FIGURE 4 3 Transaction confirmation page Transaction confirmation Help with this page L Your transaction was successful Transaction information What do you want to do next Transaction ID 1Y270465440351914E gt View your ac
44. submitted a new transaction using the data of an existing transaction 26 Virtual Terminal User s Guide Withdrawing Funds This chapter discusses two methods for withdrawing funds associated with your Virtual Terminal transactions In order to withdraw funds you must have a bank account associated with your PayPal account You can do this by following the instructions in the Adding a Bank Account section If you already have a bank account associated with your PayPal account you can withdraw funds using one of the following options e Requesting an Electronic Funds Transfer e Withdrawing Funds by Check Requesting an Electronic Funds Transfer If you have a confirmed bank account associated with your PayPal account you can withdraw funds from your PayPal account by requesting an electronic funds transfer To request an electronic funds transfer 1 Log in to your PayPal account at https www paypal com Click the My Account tab 2 3 Click the Withdraw subtab 4 Click Withdraw funds to your bank account link 5 Choose the bank account to which you would like to withdraw the funds to enter the amount and then click Continue 6 Review the details of your transaction and then click Submit The funds should appear in your bank account balance in 3 4 business days Withdrawing Funds by Check If you have a confirmed bank account associated with your PayPal account you can withdraw funds from your P
45. te a new transaction using information provided for a previously submitted transaction 1 Log in to your PayPal account at https www paypal com 2 Click the History tab 3 Find the transaction you want to use to create a new transaction and click the corresponding Details button to open the Transaction Details page of that transaction 4 Click the Create a Transaction link The Create a New Order page appears Some of the fields are pre populated with information from the original transaction although you can change them 5 Refer to the field descriptions in the Processing a Virtual Terminal Transaction section to complete the order form For the credit card field on the Create a New Order page select one of the following options Virtual Terminal User s Guide 25 aa Performing Secondary Tasks Using Existing Transactions Creating a New Transaction Using Data from a Previous Transaction Keep existing If you want to use the credit card used for the original transaction The last four digits of the credit card number and the expiration date are displayed You can modify the expiration date Enter a new credit card If you want to use a different credit card for this transaction but keep all the customer information associated with the previous transaction Enter the credit card number expiration date and CSC for that card 6 Review the information and submit the transaction You have successfully created and
46. tell you what field is invalid The merchant provided an address either in the United States or Canada but the state provided is not a valid state in either country The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by PayPal Contact PayPal Customer Service for more information The currency code entered by the merchant is not supported None this is a PayPal internal error The API username or password is incorrect for this merchant 40 Virtual Terminal User s Guide Virtual TerminalResponse Codes and Messages TABLE 7 1 Virtual Terminal Response Codes System Response Codes aa Error Code Short Message 10759 Gateway decline 10760 Invalid configuration 10761 Gateway decline 10762 Gateway decline 10763 Invalid data 15001 Gateway decline 15002 Gateway decline 15003 Invalid configuration Long Message We declined this transaction because the card number and type don t match Re enter the correct information or contact Customer Service We don t support your business address country for Direct Payment transactions We declined this transaction because we re already processing another transaction by the same buyer for the same amount Check the status of your previous transaction before you place anther order The CSC in invalid Re enter the correct 3 digit code We can t proce
47. type Invalid data Invalid expiration year Invalid expiration date Gateway decline Merchant country not supported Credit card type unsupported Authorization is not supported for this funding source Transaction approved but with invalid Card security code CSC format Invalid data Long Message A profile preference has automatically declined this transaction To change this setting log in to PayPal and go to the Profile page The card you selected doesn t support this currency Try a different card or currency The billing address is incomplete Enter the correct information The card expiration date is invalid Enter a valid 4 digit year MM Y Y Y Y The card expiration date is invalid Enter a valid 2 digit month We ve declined this transaction Contact Customer Service for more information We don t support the country where your address is located Contact Customer Service for more information We don t support the card type Re enter the correct information Authorization is not support for this funding source This transaction was approved although the Card security code CSC had too few too many or invalid characters Based on your account profile settings the invalid CSC was not given to the card issuer for its approval process You entered an invalid billing address Re enter the information Corrective Action Change your settings on the Profile page
48. ual Terminal User s Guide 41 a Virtual TerminalResponse Codes and Messages Card Security Code Responses TABLE 7 1 Virtual Terminal Response Codes Error Code 15004 15005 15006 15007 Short Message Gateway decline Processor decline Processor decline Processor decline Long Message You entered a CSC that doesn t match this card Re enter the correct information Your card issuer not PayPal declined this transaction Ask your buyer for another card Your card issuer not PayPal declined this transaction Ask your buyer for another card Your card issuer not PayPal declined this transaction because this card has expired Ask your buyer for another card Corrective Action The transaction was declined because the CSC entered does not match the credit card The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by the issuing bank not PayPal The merchant should attempt another card The transaction was declined by the issuing bank because of an expired credit card The merchant should attempt another card Card Security Code Responses 42 If a Card security code match fails PayPal displays the CSC response N and the transaction fails If the response is other than N Paypal does not reject the transaction TABLE 7 2 CSC Response Codes for Visa MasterCard Discover and A
49. urity reasons only the last four digits are identifiable e Total Monetary amount of the transaction including any shipping charges and or taxes if applicable You can also perform the following tasks on this page e Enter transaction Return to the Enter your order page to perform a new transaction e Print receipt View and print a receipt of the transaction Virtual Terminal User s Guide Performing Transactions Using Virtual Terminal BEN Processing a Virtual Terminal Transaction e Print packing slip Print a packing slip to include with the shipment This is the same as the receipt however it does not include the monetary amount of the transaction If you included information such as invoice ID and description during the transaction it is displayed on the packing slip Virtual Terminal User s Guide 21 Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction 22 Virtual Terminal User s Guide Performing Secondary Tasks Using Existing Transactions After submitting a successful transaction you can perform several secondary tasks on that transaction This chapter provides information about the following secondary tasks Capturing an Authorization Voiding an Authorization Processing a Refund Creating a New Transaction Using Data from a Previous Transaction Capturing an Authorization If you have performed an Authorization transaction you must capture the funds in order t
50. yPal internal error Virtual Terminal User s Guide 33 34 Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7 1 Virtual Terminal Response Codes Error Code 10548 10549 10550 10552 10553 10554 10555 10556 Short Message Invalid configuration Invalid configuration Invalid configuration Invalid configuration Gateway decline Filter decline Filter decline Filter decline Long Message You need a PayPal Business account for this transaction Log in to PayPal and check your account settings or apply for a Business account You aren t set up for Direct Payment transactions Contact Customer Service for more information Direct Payment is disabled on your account Contact Customer Service for more information Your email address is unconfirmed Log in to PayPal and check your account settings This transaction exceeds your account s upper limit Contact Customer Service for more information Your AVS risk filter is set to decline transactions when AVS returns a no match code Log in to PayPal and check your risk filter settings Your AVS risk filter is set to decline transactions when AVS returns a partial match code Log in to PayPal and check your risk filter settings Your AVS risk filter is set to decline transactions when AVS is unsupported Log in to PayPal and check your risk filter settings Corrective Action The merchant a
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