Paypal Website Payments Pro Upgrade - 3D SECURE 2022

OpenCart and Woocommerce are two open source carts with Commerce integration in the Paypal directory.
https://www.opencart.com/index.php?r...nsion_id=38358
https://woocommerce.com/products/woo...ypal-payments/

https://www.paypal.com/us/business/platforms-and-marketplaces/directory

From the demo I can't tell what version of Paypal OSComemrce is using - if selecting credit/debit card a popup screen comes up, like using Paypal Express.
https://demo.oscommerce.com/furniture/
I've had a look on the OSCommerce forums and can't find any mention of Paypal Commerce - there is an older thread talking about payment options to be included in the core installation for v4 but I don't see anything stating which platform it is running.

I'll note that the development of a payment module is a time-consuming process, between understanding the payment-provider's interface, coding and testing. When I'm requested to develop one, it's normally in the US$2000-4000 range, depending on the complexity.

So is there any movement on this at all then? or is it just going to be binned for UK/EU users of Zen Cart. If so it seems pretty pointless continuing with Zen Cart to be honest unless there is another solution.

Nick1973:

So is there any movement on this at all then? or is it just going to be binned for UK/EU users of Zen Cart. If so it seems pretty pointless continuing with Zen Cart to be honest unless there is another solution.
No funding = No movement.

Hi @Nick1973, how about raising a crowd funding event to cover the development cost for this new plug-in?

We first need to find out how much it is likely to cost and for that the developer involved would need to look at the Paypal link in the first post to see how much work is required. So we need to find a willing developer first, with Zen Cart experience.
It needs to be tested and ready to roll out by the start of October - the official switch over date the 3DS 2.1 is October 14th. I've no idea if this is long enough.

Has anyone had any luck finding a developer to take this on?
I contacted Paypal, hoping they would by now have something on the cards or at least a developer they could recommend.
First via the help pages on the developer portal. The answer I received is as follows.

Hi Gavin, I can see you are contacting us in relation to recommended web developers.
Unfortunately Gavin we wouldn't have any recommended web developers to integrate PayPal. If you are having any issues doing this though you can always contact PayPal's Merchant Technical Support team and they can help assist with the integration.

I contacted MTS and received this reply.

Hi Gavin,

Thank you for contacting PayPal Global Technical Support.
I understand you are having an issue with finding a shopping cart that is 3DS Compatible.
I can appreciate this issue is frustrating and I do apologize for any inconvenience.

You are correct, I didn't see any current documentation on Zen Cart that indicates that PayPal Commerce or PayPal Checkout with Smart Payment buttons was available at this time. PayPal Express Checkout (Which is Available on Zen Cart) is 3DS compatible. We made sure that PayPal Hosted pages were 3DS Compatible before the cut off. However, the card payments are Guest Checkout rather than Direct Credit Cards.

If you want a list of compatible PayPal 3rd Parties, below is the partner directory:

https://www.paypal.com/us/business/platforms-and-marketplaces/directory

WooCommerce, BigCommerce, and Open Cart (See this extension ) are three third party partner examples with PayPal Commerce and Smart Payment buttons compatibility.

I apologize for the inconvenience this issue has caused.
Thank you for using PayPal and have a wonderful day!

So Paypal themselves have no interest in supporting Zen Cart integration and recommend switching carts.
At this point it is so close to the cutoff date I don't even know if we have time to do that. I will spend this weekend installing an Opencart store and try out the demo migration process with Litextension.

gsh68:

Has anyone had any luck finding a developer to take this on?
I contacted Paypal, hoping they would by now have something on the cards or at least a developer they could recommend.
First via the help pages on the developer portal. The answer I received is as follows.

I contacted MTS and received this reply.

So Paypal themselves have no interest in supporting Zen Cart integration and recommend switching carts.
At this point it is so close to the cutoff date I don't even know if we have time to do that. I will spend this weekend installing an Opencart store and try out the demo migration process with Litextension.

Its a very big shame :-(. I don't really want to leave zencart, but I know customers do like to use their cards more than paypal.

I have enquiries in with two developers who claim to be Zen Cart experienced and payment gateway integration specialists.
I'm hoping to hear back soon with quotes/lead times.

Sorry, I might be more familiar with this if we had a customer with the problem.

You are correct, I didn't see any current documentation on Zen Cart that indicates that PayPal Commerce or PayPal Checkout with Smart Payment buttons was available at this time. PayPal Express Checkout (Which is Available on Zen Cart) is 3DS compatible. We made sure that PayPal Hosted pages were 3DS Compatible before the cut off. However, the card payments are Guest Checkout rather than Direct Credit Cards.

Is there something I'm missing here? If 3DS is needed and available, why not use it?

If it's that the customer might get strong-armed into creating a PayPal account. That can be bypassed if you have a business account.

That will only be available via the Paypal Express button. There will be no indication for customers that credit/debit cards can be used.
(Please don't say I could add text to the checkout page - I already have a statement about using the Express button not showing the correct total until being returned to my site, and customers do not read it)
The incontext popup doesn't work with my site on chrome or firefox, so it has full page redirect to Paypal. Again something I'm not happy with.
Personally just having a Paypal button is not a professional look, and here in the UK (and more so in Europe) there are a lot of customers that just will not use Paypal, whether they need an account or not.

I'm sorry, but you are incorrect. As I stated, with Express AND a PayPal business account, you can tell PayPal what to present to your customer. Might want to look into upgrading if you don't have the business account.

If you already have a PayPal business account, go to the main dashboard with Balance, Quick Links, etc. Hover over your name at the upper right and click account settings.

Scroll down to Website Payments and click on it.

Next, click on the Update link for Website Preferences.

Here's what we (myzencarthost.com) suggest to our customers as settings on that page.

1. Auto Return - ON
2. Payment data transfer - OPTIONAL (some use the same account on more than one store)
3. Bllock non-encrypted website payment - OFF
4. PayPal account optional (This is the kicker) - ON
5. Contact telephone - ON
6. Support giropay and bank transfer payments - User's Choice. Some are nervous about bank transfers that are bogus.

Doing these settings means that PayPal will always prominently display the option to use a personal credit card.

From PayPal

Customers can check out without a PayPal account

When the "account optional" feature is turned on, customers don't need a PayPal account. They use an alternate checkout and have the option to sign up for a PayPal account afterward. Customers with PayPal accounts still log in to their PayPal accounts to check out.

This feature is available for Buy Now buttons, Donations, and shopping carts.
Please note that if both the "auto return" and "account optional" features are turned on, customers who don't log in to PayPal can choose to go back to your website after checkout, but aren’t returned automatically.

Yes, I know all that and already have the relevant settings.
The point I was making is that in the shopping cart there is no indication that credit/debit cards can be used when there is only a Paypal Express button.
Customers see "Paypal" and if they for some reason do not wish to use Paypal will abandon the cart and go elsewhere.
I get multiple Paypal customers contacting me weekly asking why the total shown on Paypal is lower than the total shown in the cart. I already have a message at the top of the shopping cart explaining this, but they never read it.
Putting a message "You do not need a Paypal account you can pay with credit/debit card" will be similarly overlooked.

Also using the Express button means credit card/debit card charges are at Paypal's basic rate. Using Paypal Commerce would lower that to 1.2% + 30p per transaction (for European cards) and no monthly fee.

There are numerous reasons for wanting a Paypal Commerce option over just using the Paypal Express button.

There's a rumor that Elon Musk has offered his entire fortune for a sign that all will read AND comprehend.

A note in the define page for the shopping cart in red is about the best we can do until the transporter allows us to beam in next to their computer.:P

gsh68:

I have enquiries in with two developers who claim to be Zen Cart experienced and payment gateway integration specialists.
I'm hoping to hear back soon with quotes/lead times.

No response from either one.
I assume from the lack of engagement in this thread no-one else has found developer?

gsh68:

No response from either one.
I assume from the lack of engagement in this thread no-one else has found developer?

I have a developer who said they might be able to do this, I just emailed them to see if they still can.
I know its crazy, I emailed Sage pay (very unlikely they supports zencart 3DS 2.0 anyhow), no response, and other companies and no response.

gsh68:

Yes, I know all that and already have the relevant settings.
The point I was making is that in the shopping cart there is no indication that credit/debit cards can be used when there is only a Paypal Express button.
Customers see "Paypal" and if they for some reason do not wish to use Paypal will abandon the cart and go elsewhere.
I get multiple Paypal customers contacting me weekly asking why the total shown on Paypal is lower than the total shown in the cart. I already have a message at the top of the shopping cart explaining this, but they never read it.
Putting a message "You do not need a Paypal account you can pay with credit/debit card" will be similarly overlooked.

Also using the Express button means credit card/debit card charges are at Paypal's basic rate. Using Paypal Commerce would lower that to 1.2% + 30p per transaction (for European cards) and no monthly fee.

There are numerous reasons for wanting a Paypal Commerce option over just using the Paypal Express button.

I agree to some extent, I have turned off the PayPal Express Button and added payment can be made with CC or DC no need to have a Paypal account. That seems to work to some extent but it's not ideal, and folk are asking for the sites to show CC/DC payment plus PayPal as an option. Many people don't like PayPal in the UK, I think for some historical reasons. Fixing PayPal Website Payments Pro to work with SCA or PayPal Commerce would be extremely important for the UK and I suspect Europe. I have long been a keen advocate of Zen Cart E-commerce, but I am seeing people asking now to move to Wordpress and Woo-Commerce .Very sad and I hate Wordpress!!.. I have plenty of time but not the skills to fix it, sadly.

ianhg:

I agree to some extent, I have turned off the PayPal Express Button and added payment can be made with CC or DC no need to have a Paypal account. That seems to work to some extent but it's not ideal, and folk are asking for the sites to show CC/DC payment plus PayPal as an option. Many people don't like PayPal in the UK, I think for some historical reasons. Fixing PayPal Website Payments Pro to work with SCA or PayPal Commerce would be extremely important for the UK and I suspect Europe. I have long been a keen advocate of Zen Cart E-commerce, but I am seeing people asking now to move to Wordpress and Woo-Commerce .Very sad and I hate Wordpress!!.. I have plenty of time but not the skills to fix it, sadly.

Despite the "warning" from Paypal that manipulation of the Paypal Express chechout process may violate their T&C's, I've created my own image button for Paypal Express where the image favours Visa and Mastercard icons, and relegates Paypal to a less significant feature. Visually, the customer sees Visa and MC on the button as being prominent, and (configuring my PP business acct to what is advised above), the customer sees C-card options more vividly.

Like many of us, I've had several calls to Paypal, imploring them to help out, but they remain indifferent. So... f**k them... my revised image seems to have circumvented the resistance from customers to use PP Express.

Have you tried https://www.paypal.com/buttons/smart?flowloggingId=f401100541a17?