DoExpressCheckoutPayment 或/execute 交易总是待处理.为什么? [英] DoExpressCheckoutPayment or /execute transactions are always pending. Why?

问题描述

当我将 PayPal 与我的沙盒测试帐户集成时，我通过 DoExpressCheckoutPayment API 调用或 PayPal 的新 /execute REST 调用创建的所有交易都处于待处理状态，我必须手动接受它们，否则我必须等待 3-5 天.为什么?

解决方案

这对于实时和测试事务都会发生，并且取决于多种因素.

如果出现以下情况，PayPal 会将交易设置为待处理"状态:

1. 您发送交易的货币不是您帐户中当前配置的货币
2. 您的沙盒测试帐户已启用付款审核"
3. PayPal 认为实时交易需要 PayPal 分析师进行人工审核
4. 实时或测试交易标记您在帐户中设置的欺诈管理过滤器之一，过滤器的默认操作设置为审核".
5. 您的买家使用非即时资金来源

1:

如果您创建美国 PayPal 测试帐户，并以英镑或欧元(或任何其他非美元货币)发送交易，通常会发生这种情况.

默认情况下，美国账户配置为接受美元并询问您 - 商家 - 是否要接受任何其他货币的交易.对于非美国账户，它们通常配置为接受以美元和您注册所在国家/地区的货币付款(即，美元和英镑用于英国账户，美元和欧元用于爱尔兰账户).

如果您想更改此行为，请登录您的真实或测试帐户，转到个人资料，付款接收偏好"，然后从询问我"更改为不，接受它们并将它们转换为 [您的主要货币]."

或者，您可以转到货币"并在您的帐户中开设一个新的货币余额.

2:

为了简化待处理交易的测试，PayPal 的开发者站点允许您启用特定的沙盒(卖家)帐户以进行付款审核".
付款审核意味着发送到该帐户的所有交易都将被保留以供人工审核.当支付审核关闭时，所有交易都被释放并完成.
此功能旨在模拟第 3 点中所述的实时行为.

您可以通过 a>，因此每当此事务发生操作时，您都会收到通知.

4:

PayPal 为 PayPal Website Payments Pro 帐户提供了一种名为欺诈管理过滤器"的产品.
此产品可让您有选择地将过滤器应用于您的 Pro 交易(通过 DoDirectPayment API 调用发起的交易).
例如，您可能希望自动拒绝或审查所有已知 IP 地址存在风险的交易.
如果您启用了此过滤器，并且交易触发了此过滤器，则在您对交易采取操作(拒绝或接受)之前，该交易可能会设置为待处理.

有关 PayPal 欺诈管理过滤器的更多信息，我强烈建议阅读 我们的开发者网站上的欺诈管理过滤器指南.

5:

您的买家可能使用了非即时资金来源，例如银行转账或电子支票.
这可能需要 3 到 5 个工作日才能完成清算并将交易标记为已完成".
如果您已与 PayPal IPN 集成，您将在交易完成时收到 IPN 消息.

When I integrate PayPal with my sandbox test account, all transactions I create via the DoExpressCheckoutPayment API call, or PayPal's new /execute REST call are pending and I have to manually accept them, or I have to wait 3-5 days. Why?

解决方案

This would occur for both live and test transactions and depends on several factors.

PayPal will set the transaction to a 'pending' state if:

1. The currency you are sending the transaction in is not a currently configured currency on your account
2. 'Payment review' is enabled on your sandbox test account
3. PayPal deems the live transaction requires manual review by a PayPal analyst
4. The live or test transactions flags one of the Fraud Management Filters you have set up in your account, and the default action for the filter is set to 'Review'.
5. Your buyer uses a non-instant funding source

1:

This usually happens if you create a US PayPal test account, and send transactions in GBP or EUR (or any other non-USD currency).

By default US accounts are configured to accept USD and asks you - the merchant - if you want to accept transactions in any other currency. For non-US accounts, they are typically configured to accept payments in USD and the currency of the country you're registered in (i.e., USD and GBP for British accounts, USD and EUR for Irish accounts).

If you want to change this behaviour, log into your live or test account, go to the profile, 'Payment receiving preferences', and change from "Ask me" to "No, accept them and convert them to [your primary currency]."

Alternatively you can go to 'Currencies' and open a new currency balance within your account.

2:

In order to ease the testing of pending transactions, PayPal's developer site allows you to enable specific sandbox (seller) accounts for 'payment review'.
Payment review will mean that all transactions sent to that account will be held for manual review. When payment review is switched off, all transactions are released and are completed.
This is functionality intended to simulate the live behaviour as explained in point #3.

You can enable or disable payment review via https://developer.paypal.com > Applications > Sandbox accounts > Click the little arrow for the business account > Profile > Settings.

3:

For live transactions, PayPal may opt to hold transactions for manual review.
This is more of a policy question, so I won't delve too deeply into it, but essentially PayPal deems it more risky than other transactions, thus requiring manual review by a PayPal analyst.
Once this review is completed, the payment is either completed or denied.
It's good practice to integrate with PayPal Instant Payment Notification, so you are notified whenever an action occurs on this transaction.

4:

PayPal offers a product for PayPal Website Payments Pro accounts called 'Fraud Management Filters'.
This products lets you selectively apply filters to your Pro transactions (those initiated via the DoDirectPayment API call).
For example, you might want to automatically deny or review all transactions where the IP address is known to be risky.
If you have enabled this filter, and the transaction triggers this filters, the transaction may be set to pending until such time you take an action on the transaction (either rejecting or accepting it).

For more information about PayPal's fraud management filters, I highly suggest reading the Fraud Management Filters guide at our developer site.

5:

Your buyer might have used a non-instant funding source such as a bank transfer or eCheck.
This may take 3-5 business days to clear and for the transaction to be marked as 'completed'.
If you're integrated with PayPal IPN, you will receive IPN message at the time of the transaction having been completed.

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