PayPal Virtual Terminal service

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business: services: merchant card processing+PayPal: Virtual Terminal

Overview

The PayPal Virtual Terminal service allows merchants with a PayPal business account to process credit cards using a web browser.

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One minor disadvantage of this service over other credit card processing services is that you can only post refunds within 60 days of the original transaction; there is no facility to post credit to an arbitrary credit card. However, this should be a very rare necessity, and you can always transfer money to a checking account and refund the money by check. If the customer has a PayPal account, you can also send money that way.

Legal

• PayPal Commercial Entity Agreement
• 2010-08-10 Agreement for American Express® Card Acceptance - American Express-PayPal Service Agent Program

Return Codes

CVV

CVV Code	Meaning	Matched Details
M	Match	CVV number itself
N	No match	none
P	Not processed	n/a
S	Service not supported	n/a
U	Unavailable	n/a
X	No response	n/a
all others	error	n/a

AVS

AVS Code	Meaning	Matched Details
A	Address	Address only (no ZIP)
B	International "A"	Address only (no ZIP)
C	International "N"	None; declined
D	International "X"	Address and Postal Code
E	Not allowed for MOTO (Internet/Phone) transactions	n/a; declined
F	UK-specific "X"	Address and Postal Code
G	Global Unavailable	n/a
I	International Unavailable	n/a
N	No	declined
P	Postal (International "Z")	Postal Code only (no Address)
R	Retry	n/a
S	Service not Supported	n/a
U	Unavailable	n/a
W	Whole Zip	Nine-digit ZIP code (no Address)
X	Exact match	Address and Nine-digit ZIP code
Y	Yes	Address and Five-digit ZIP code
Z	ZIP	Five-digit ZIP code (no Address)
all others	Error	n/a