Mass Pay

Merchants use the Mass Pay API to send money instantly to up to 250 recipients at once. To send payments to multiple recipients, merchants only need the recipient's PayPal account email address, the payment amount, and the currency code. Merchants can manually upload a file listing payments or create them programmatically using the Mass Pay API.  

Applicable Use Cases

How it works

There are 2 ways merchants can submit batched payments using PayPal Mass Pay:

Note: Mass payments are now invite only and criteria vary by sending country.

  • Upload a CSV file. They upload a data file of up to 5,000 records that contains the recipient's PayPal account email address, payment amount, and currency code. Merchants can add a fourth column for transaction IDs and a fifth column for a custom message for each recipient.
  • Use the PayPal MassPay API. Merchants can programmatically use the MassPay API to make up to 250 payments per request. They can send payments to an email address or a PayPal customer account number. The MassPay API returns a response using Instant Payment Notification (IPN) to the NotifyURL specified in the merchant's account. Detailed transaction data is stored in the merchant's PayPal account history.

Why use Mass Pay

Implementing Mass Pay allows merchants to:

  • Make batched payments in a matter of hours and give recipients instant access to their money. Unlike checks, there's no waiting.
  • Minimize accounting paperwork by downloading transaction history. It's easy to reconcile exceptions by automatically returning payments that weren't claimed.
  • Save the recipient money on fees. With Mass Payment transactions, the sender pays a nominal fee, not the recipient. For example, affiliate partners do not pay a commission on the payments they receive, no matter how small the amount.

Merchants can use Mass Pay for:

  • Marketplace payouts
  • Affiliate commissions
  • Customer rebates
  • Prizes and incentives
  • Pay-to-surf rewards
  • Employee benefits
  • Survey incentives

How to get started

  1. Verify your account status. Go to your PayPal Profile under My settings and verify that your Account Type is Premier or Business, or upgrade your account.
  2. Verify your API settings. Click on My selling tools. Click Selling online and verify your API access. Click Update to view or set up your API signature and credentials.
  3. Contact your local PayPal Customer Service to be granted access after a quick identification check.
  4. Make sure that you have enough money in your PayPal account to cover the payment. If you are sending payments in different currencies, verify that your PayPal balance for each currency covers the amount you want to send.
  5. Upload a .CSV Mass Payment file or initiate a PayPal MassPay API request for each currency you are sending.
  6. Test your integration using the PayPal Sandbox, as described in Testing Classic API Calls.

Once you've verified that your implementation works correctly in the Sandbox, make sure you have been granted live Mass Pay access. For complete details, see the documentation linked on this page.
Note: Because PayPal makes Mass Payments almost instantly, you can't cancel payments and Purchase Protection is not available.

Fees

There are no set-up costs or monthly fees to send Mass Payments.

Mass Payment Sending fees vary by sending country, and are calculated as a percentage of each transaction and are capped. The variable component typically is 2%, while the cap typically is different for domestic payments versus international payments. The cap is specific to the currency being sent, and is roughly equivalent across currencies for a given sending and receiving country pair. Recipients do not incur Mass Pay fees. Be sure to review your country's MassPay fees. To get you started, log into your PayPal account and review the US fee structure here.

International availability

Mass Payments can be made from any PayPal sending country and can be sent to any PayPal receiving country, in PayPal supported currencies. View country and currency information for further details.

Currency restrictions do not allow conversion of Argentine Pesos, Brazilian Real, or Malaysian Ringgit.

PayPal currency conversion rates apply should the sender or the recipient choose to convert the payments.

Developer and Merchant Support

Join the PayPal Partner Program

Join the North America Partner Program and enjoy many valuable benefits, including access to solutions integration information, marketing tools and a listing in our Partner Directory. It's free to join! For details, visit the Partner Program website.

Related Information

Getting Started

Development and Integration

  • Mass Payments User Guide (PDF, HTML)

API References

  • MassPay API Operation (NVP, SOAP)

SDKs

Code Samples

Forums to Follow