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PayPal Complete Payments (PPCP) is PayPal’s card acquiring product. It processes credit and debit card payments directly, without sending the buyer through the PayPal wallet flow, which lets you use PayPal as your card acquirer. This connector is separate from the PayPal and PayPal Pay Later connectors, and can run alongside them using the same PayPal credentials.

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Setup

Follow the PayPal setup instructions before configuring PayPal card payments. Your PayPal account needs to be enabled for PPCP card processing. Contact PayPal to confirm your account is enabled for Advanced Credit and Debit Card Payments before configuring the connector.

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Connector configuration

After setting up your PayPal card connector in the dashboard, configure how transactions are routed to it. Choose one of the following options:
  • Using Flow - Configure PayPal card as the target connector in Flow to automatically route card transactions to this connector
  • Using the API - Explicitly set the payment_service_id parameter to the PayPal card connector ID when creating transactions. This overrides any Flow routing rules.
The connector ID can be found in the dashboard under Connections -> Configured connections.

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Capabilities

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Supported countries

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Supported currencies

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Stored cards

Cards can be stored with PayPal and charged again for recurring, installment, and card-on-file payments. Gr4vy stores the card in PayPal’s vault and reuses the resulting vault identifier on subsequent transactions. For merchant-initiated transactions, Gr4vy passes the scheme transaction identifier from the original payment to PayPal, so the payment is correctly identified as a subsequent transaction in a stored credential series.

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3-D Secure

This connector supports hosted 3-D Secure. When authentication is required, the buyer is sent to PayPal’s hosted challenge in a popup window and returned to your checkout once authentication completes. Externally authenticated 3DS data is not passed through to PayPal, so 3DS performed by your own MPI cannot be forwarded on the transaction.

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Limitations

The following features are not supported by this connector:
  • Direct capture - Transactions are authorized and captured as two separate steps; a combined authorization and capture is not supported
  • Zero authorization - Verifying a card without charging it is not supported
  • 3-D Secure pass-through - Externally authenticated 3DS data cannot be forwarded to PayPal
  • Incremental and decremental authorization - Adjusting an authorized amount is not supported
  • Partial authorization - Authorizing less than the requested amount is not supported
  • Multi-capture and over-capture - Each authorization supports a single capture, up to the authorized amount
  • Deep link - Deep link generation for redirects is not supported

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Integration

To accept card payments with PayPal, you need to use one of Gr4vy’s client-side integration methods. Due to PCI compliance requirements, card data should never be sent directly to your servers. You can integrate using:
  • Embed - A pre-built, customizable payment form that handles the complete payment flow
  • Secure Fields - Embed card input fields for building custom payment forms while maintaining PCI compliance
  • Mobile SDKs - Native SDKs for iOS, Android, React Native, and other platforms
After collecting the card details through one of these methods, the payment is processed through your configured PayPal card connection. Apple Pay and Google Pay are also supported, and network tokenization is enabled by default.

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Testing

For testing in sandbox environments, use the test card numbers provided in your PayPal sandbox account. PayPal generates test cards alongside your sandbox business account in the PayPal Developer Portal under Testing Tools -> Card Testing. For more test scenarios, refer to the PayPal card testing documentation.