Paypal Pro and chained payments and Credit Card Processing

Question

We have integrated chained payments on our website, which means payment goes to multiple recipients. I would love to be able to process credit cards directly on our website, and still be able to do the chained payments for our affiliates.

How is this done?

I believe chained payments is not possible when processing credit cards directly on the website with Paypal Pro. One idea is to collect all the payments with PayPal Pro and at the end of the month do a mass pay and payout all the third parties.

The reason we do chained payments is to give paypal 2.9% of their cut. Without the chained payments we would suffer from 2.9% and another 2.9% sending to another recipient.

What is the best way of doing chained payments and credit card processing (doesn't have to be paypal)?

Thank you in advance

Answer 1

Unfortunately, split payments in general don't work with Payments Pro. You could actually just turn it into 2 separate payments and make 2 separate Pro requests...one on your behalf and another on the 3rd parties behalf, but then the card holder would see 2 separate transactions on their statement so that could cause confusion.

You could do like you said, too, and distribute with MassPay. When you send with MassPay you won't get hit with another 2.9% It has a different structure where it charges the sender, but the maximum per transaction is 1.00 no matter what the amount is. You can work all those fees into your agreements with affiliates and just send them what they would end up if they were eating the fees.

Definitely frustrating, but when dealing with credit cards directly there just really isn't any service out there that will do it like a chained payment does. PayPal has their Adaptive Payments platform, and Amazon has something similar, too, but I don't even know of any others.