Change payment methods

DOCS

Last updated: Sept 23rd, 9:29pm

Give your buyers the option to change the payment method for a specific transaction. For example, buyers might choose a credit card with more points or a bank account with more funds.

This page is for merchants who have a PayPal v1/billing agreements REST API billing agreement with their buyer. When changing the payment method, the buyer can select an existing payment method or add a new one.

Know before you code

  • The buyer must already have a billing agreement with the merchant before they can change their payment method. The billing agreement ID should be in your records.
  • The buyer can change the payment option only if they're present to complete the transaction.
  • This integration works for intent sale and authorize transactions.
  • This integration uses the v1/payments REST API.

How it works

The following is a sample workflow:

  1. Create a payment resource by calling the v1/payments API and passing the Billing Agreement ID in the application_context object.
  2. Get the HATEOAS URL from the response.
  3. On your website, display a hyperlink using the HATEOAS URL. Give the hyperlink a name, such as Options. You can use JavaScript to create a pop-up window when the user selects the hyperlink.
    options
    Figure 1: Checkout page with the option to change the payment method.
  4. Your buyer selects the hyperlink and changes the payment method.
  5. Your buyer proceeds with payment.

Step 1: Create a payment resource

Copy the following code and modify it.

Sample request

API endpoint used: Create payment

    1curl -v -X POST https://api-m.sandbox.paypal.com/v1/payments/payment\
    2-H "Content-Type: application/json" \
    3-H "Authorization: Bearer Access-Token" \
    4-d '{
    5  "intent": "sale",
    6  "payer": {
    7    "payment_method": "paypal"
    8  },
    9  "application_context": {
    10    "preferred_payment_source": {
    11      "token": {
    12        "id": "B-2J280200NT939550G",
    13        "type": "BILLING_AGREEMENT"
    14      }
    15    }
    16  },
    17  "transactions": [
    18    {
    19      "amount": {
    20        "total": "3.11",
    21        "currency": "USD",
    22        "details": {
    23          "subtotal": "3.00",
    24          "tax": "0.07",
    25          "shipping": "0.03",
    26          "handling_fee": "1.00",
    27          "shipping_discount": "-1.00",
    28          "insurance": "0.01"
    29        }
    30      },
    31      "description": "The payment transaction description.",
    32      "custom": "EBAY_EMS_90048630024435",
    33      "payment_options": {
    34        "allowed_payment_method": "INSTANT_FUNDING_SOURCE"
    35      },
    36      "soft_descriptor": "ECHI5786786",
    37      "item_list": {
    38        "items": [
    39          {
    40            "name": "hat",
    41            "description": "Brown hat.",
    42            "quantity": "5",
    43            "price": "0.3",
    44            "tax": "0.01",
    45            "sku": "1",
    46            "currency": "USD"
    47          },
    48          {
    49            "name": "handbag",
    50            "description": "Black handbag.",
    51            "quantity": "1",
    52            "price": "1.5",
    53            "tax": "0.02",
    54            "sku": "product34",
    55            "currency": "USD"
    56          }
    57        ],
    58        "shipping_address": {
    59          "recipient_name": "Brian Robinson",
    60          "line1": "4th Floor",
    61          "line2": "Unit #34",
    62          "city": "San Jose",
    63          "country_code": "US",
    64          "postal_code": "95131",
    65          "phone": "011862212345678",
    66          "state": "CA"
    67        }
    68      }
    69    }
    70  ],
    71  "note_to_payer": "Contact us for any questions on your order.",
    72  "redirect_urls": {
    73    "return_url": "https://example.com/return",
    74    "cancel_url": "https://example.com/cancel"
    75  }
    76}'

    Modify the code

    After you copy the code in the sample request, modify the following:

    • Change Access-Token to your access token.
    • Change return_url to the URL of the webpage where buyers land after completing a successful form submission.
    • Change cancel_url to the URL of the webpage where buyers land after cancelling a form submission.

    Step result

    A successful request returns:

    • A return status code of HTTP 201 Created.
    • A payment ID. In the sample response, the ID is PAYID-L2ZMPHI0XY83144MV337250T.
    • Multiple HATEOAS links.

    Sample response

      1{
      2  "id": "PAYID-L2ZMPHI0XY83144MV337250T",
      3  "intent": "sale",
      4  "state": "created",
      5  "payer": {
      6    "payment_method": "paypal"
      7  },
      8  "application_context": {
      9    "preferred_payment_source": {
      10      "token": {
      11        "id": "B-02R904040B876314G",
      12        "type": "BILLING_AGREEMENT"
      13      }
      14    }
      15  },
      16  "transactions": [
      17    {
      18      "amount": {
      19        "total": "30.11",
      20        "currency": "USD",
      21        "details": {
      22          "subtotal": "30.00",
      23          "tax": "0.07",
      24          "shipping": "0.03",
      25          "insurance": "0.01",
      26          "handling_fee": "1.00",
      27          "shipping_discount": "-1.00"
      28        }
      29      },
      30      "description": "The payment transaction description.",
      31      "custom": "EBAY_EMS_90048630024435",
      32      "soft_descriptor": "ECHI5786786",
      33      "payment_options": {
      34        "allowed_payment_method": "INSTANT_FUNDING_SOURCE",
      35        "recurring_flag": false,
      36        "skip_fmf": false
      37      },
      38      "item_list": {
      39        "items": [
      40          {
      41            "name": "hat",
      42            "sku": "1",
      43            "description": "Brown hat.",
      44            "price": "3.00",
      45            "currency": "USD",
      46            "tax": "0.01",
      47            "quantity": 5
      48          },
      49          {
      50            "name": "handbag",
      51            "sku": "product34",
      52            "description": "Black handbag.",
      53            "price": "15.00",
      54            "currency": "USD",
      55            "tax": "0.02",
      56            "quantity": 1
      57          }
      58        ],
      59        "shipping_address": {
      60          "recipient_name": "Brian Robinson",
      61          "line1": "4th Floor",
      62          "line2": "Unit #34",
      63          "city": "San Jose",
      64          "state": "CA",
      65          "postal_code": "95131",
      66          "country_code": "US",
      67          "phone": "011862212345678"
      68        }
      69      },
      70      "related_resources": []
      71    }
      72  ],
      73  "note_to_payer": "Contact us for any questions on your order.",
      74  "create_time": "2020-05-06T14:20:13Z",
      75  "links": [
      76    {
      77      "href": "https://api-m.sandbox.paypal.com/v1/payments/payment/PAYID-L2ZMPHI0XY83144MV337250T",
      78      "rel": "self",
      79      "method": "GET"
      80    },
      81    {
      82      "href": "https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_express-checkout&token=EC-9GB66157FY002784C",
      83      "rel": "approval_url",
      84      "method": "REDIRECT"
      85    },
      86    {
      87      "href": "https://api-m.sandbox.paypal.com/v1/payments/payment/PAYID-L2ZMPHI0XY83144MV337250T/execute",
      88      "rel": "execute",
      89      "method": "POST"
      90    }
      91  ]
      92}

      Step 2: Redirect the buyer

      Use the HATEOAS URL returned in step 1 to redirect the buyer so they can log in to their PayPal account, choose the payment method, and approve the transaction.

        1{
        2"href": "https://www.sandbox.paypal.com/checkoutnow?token={id}",
        3"rel": "approve",
        4"method": "GET"
        5}

        Step 3: Make the payment

        After the buyer chooses the payment method and approves the transaction, the PayPal window closes. The API then redirects the buyer to the return_url from the Create payment API call.

        Once the buyer confirms their payment method, make the payment by calling the HATEOAS link with rel:execute to complete the transaction.

        Copy the following code:

        Sample request

        API endpoint used: Execute the payment

          1curl -v -X POST https://api-m.sandbox.paypal.com/v1/payments/payment/{payment_id}/execute\
          2-H "Content-Type: application/json" \
          3-H "Authorization: Bearer Access-Token" \
          4-d '{
          5  "payer_id": "4BFTN5WTU4HME"
          6}'

          After you copy the code in the sample request, replace payment_id with the ID of the payment that you need to execute.

          The payer_id is the ID of the payer that PayPal passes in the return_url.

          Step result

          A successful request returns:

          • The HTTP 201 Created status code.
          • A JSON response body that shows the executed payment details.

          Sample response

            1{
            2  {
            3    "id": "PAYID-L2ZMPHI0XY83144MV337250T",
            4    "intent": "sale",
            5    "state": "approved",
            6    "cart": "28010880FR2210136",
            7    "payer": {
            8      "payment_method": "paypal",
            9      "status": "VERIFIED",
            10      "payer_info": {
            11        "email": "sb-vftg0329193@personal.example.com",
            12        "first_name": "John",
            13        "last_name": "Doe",
            14        "payer_id": "4BFTN5WTU4HME",
            15        "shipping_address": {
            16          "recipient_name": "Brian Robinson",
            17          "line1": "4th Floor",
            18          "line2": "Unit #34",
            19          "city": "San Jose",
            20          "state": "CA",
            21          "postal_code": "95131",
            22          "country_code": "US"
            23        },
            24        "country_code": "US"
            25      }
            26    },
            27    "transactions": [
            28      {
            29        "amount": {
            30          "total": "30.11",
            31          "currency": "USD",
            32          "details": {
            33            "subtotal": "30.00",
            34            "tax": "0.07",
            35            "shipping": "0.03",
            36            "insurance": "0.01",
            37            "handling_fee": "1.00",
            38            "shipping_discount": "-1.00"
            39          }
            40        },
            41        "payee": {
            42          "merchant_id": "AXQJVJNJYCL2J",
            43          "email": "jeet-usb1@paypal.com"
            44        },
            45        "description": "The payment transaction description.",
            46        "custom": "EBAY_EMS_90048630024435",
            47        "soft_descriptor": "PAYPAL *JEETPATELST ECHI5786786",
            48        "item_list": {
            49          "items": [
            50            {
            51              "name": "hat",
            52              "sku": "1",
            53              "description": "Brown hat.",
            54              "price": "3.00",
            55              "currency": "USD",
            56              "tax": "0.01",
            57              "quantity": 5
            58            },
            59            {
            60              "name": "handbag",
            61              "sku": "product34",
            62              "description": "Black handbag.",
            63              "price": "15.00",
            64              "currency": "USD",
            65              "tax": "0.02",
            66              "quantity": 1
            67            }
            68          ],
            69          "shipping_address": {
            70            "recipient_name": "Brian Robinson",
            71            "line1": "4th Floor",
            72            "line2": "Unit #34",
            73            "city": "San Jose",
            74            "state": "CA",
            75            "postal_code": "95131",
            76            "country_code": "US"
            77          },
            78          "shipping_phone_number": "011862212345678"
            79        },
            80        "related_resources": [
            81          {
            82            "sale": {
            83              "id": "4FR33985CW436351L",
            84              "state": "completed",
            85              "amount": {
            86                "total": "30.11",
            87                "currency": "USD",
            88                "details": {
            89                  "subtotal": "30.00",
            90                  "tax": "0.07",
            91                  "shipping": "0.03",
            92                  "insurance": "0.01",
            93                  "handling_fee": "1.00",
            94                  "shipping_discount": "-1.00"
            95                }
            96              },
            97              "payment_mode": "INSTANT_TRANSFER",
            98              "protection_eligibility": "ELIGIBLE",
            99              "protection_eligibility_type": "ITEM_NOT_RECEIVED_ELIGIBLE,UNAUTHORIZED_PAYMENT_ELIGIBLE",
            100              "transaction_fee": {
            101                "value": "1.17",
            102                "currency": "USD"
            103              },
            104              "receivable_amount": {
            105                "value": "30.11",
            106                "currency": "USD"
            107              },
            108              "exchange_rate": "0.692213615971749",
            109              "parent_payment": "PAYID-L26E5MY3U933524UB102730M",
            110              "create_time": "2020-05-13T19:49:25Z",
            111              "update_time": "2020-05-13T19:49:25Z",
            112              "links": [
            113                {
            114                  "href": "https://api-m.sandbox.paypal.com/v1/payments/sale/4FR33985CW436351L",
            115                  "rel": "self",
            116                  "method": "GET"
            117                },
            118                {
            119                  "href": "https://api-m.sandbox.paypal.com/v1/payments/sale/4FR33985CW436351L/refund",
            120                  "rel": "refund",
            121                  "method": "POST"
            122                },
            123                {
            124                  "href": "https://api-m.sandbox.paypal.com/v1/payments/payment/PAYID-L26E5MY3U933524UB102730M",
            125                  "rel": "parent_payment",
            126                  "method": "GET"
            127                }
            128              ],
            129              "soft_descriptor": "PAYPAL *JEETPATELST ECHI5786786"
            130            }
            131          }
            132        ]
            133      }
            134    ],
            135    "failed_transactions": [],
            136    "create_time": "2020-05-13T19:46:58Z",
            137    "update_time": "2020-05-13T19:49:25Z",
            138    "links": [
            139      {
            140        "href": "https://api-m.sandbox.paypal.com/v1/payments/payment/PAYID-L26E5MY3U933524UB102730M",
            141        "rel": "self",
            142        "method": "GET"
            143      }
            144    ]
            145  }
            146}

            See also

            Billing Agreements and Reference Transactions

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