Using PayPal in SBI!. For services. Plug-n-play shopping cart. E-goods. Other uses?

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#1366933 by Mary from Mico
Thu Mar 16, 2017 4:35 am
I receive orders from customers in Ireland, Canada, Australia, and New Zealand. Today a friend in England was unable to buy one of our downloadable products and wrote to tell me about it. She even tried again and sent me a screen shot that you can see below.

I've searched at PayPal and at E-Junkie and I cannot see what is causing this notification:

[Image Private]

Thank you for your help.

#1366955 by Jenny from Rushden
Thu Mar 16, 2017 1:35 pm
Hi Mary,

Being in the UK, I have checked the payment center and found this advice...

"This error message generally means that your card issuer is declining the payment, you can try 'More Funding Options' to attempt the payment with another card. "

The source is from a PayPal moderator, so I believe this to be the most accurate response.

The other alternative would be to advise her to speak to PayPal directly, or to the bank account/card company that is associated to her PayPal account and query the issue.

#1366957 by Martin from Big Flats
Thu Mar 16, 2017 2:14 pm

We are in the UK and we use PayPal.

Some of the issues we've seen which resulted in payment failures include...

1) Using the "guest" option with an email address that is connected to a PayPal account

2) Using the "guest" option too many times (about 5+, can't remember now)

Do you know what this person actually did before getting that message?

Did she try to use her PayPal account or use the guest option?

#1366976 by Mary from Mico
Thu Mar 16, 2017 4:17 pm
Thank you Jenny and Martin for these good notes. I would not know these things; but can now ask her (later today).

Hm... The one comment makes me wonder why PayPal asked her to contact the seller.

"This error message generally means that your card issuer is declining the payment, you can try 'More Funding Options' to attempt the payment with another card. "

Why would it not tell her to contact her card issuer or simply the other clause: "you can try 'More Funding Options' to attempt the payment with another card"? That's almost what I would have asked her, and actually did by asking if she'd seen the 2CheckOut alternative....

I'll see what I can find and report back here. Be encouraged to remind me someone. :-)

#1367129 by Mary from Mico
Sat Mar 18, 2017 5:40 am
I've found a PayPal email from Feb 17, 2017 that says much that I do not understand and wonder if this could be part of this lady's difficulty:

PayPal security upgrade progress.

Mary ...,

As a leading payment provider, security is our number one priority and PayPal continually invests and innovates to deliver the strongest protection possible. In some instances, this means adapting to our environments and upgrading merchant integrations to the current industry standards, like those set by the Payment Card Industry (PCI) Security Standards Council. We appreciate your patience and support of protecting our customers and their payments.
To better assist customers with these security updates, we’ve created the following materials to further clarify this technical update:
2016-2017 Merchant Security Roadmap

TLS 1.2 and HTTP/1.1 Upgrade Roadmap

PayPal security guidelines and best practices

We also encourage you to speak with your web hosting company, e-commerce software provider or in-house web programmer/system administrator for further assistance in implementing these changes, if needed.

Scheduled change dates provided in this email and on the TLS 1.2 and HTTP/1.1 Upgrade Microsite are subject to change. Please monitor our TLS 1.2 and HTTP/1.1 Upgrade Microsite for the most up-to-date information.
Below are a few key points concerning security updates we will begin implementing after June 30, 2017 and we strongly recommend your systems be compatible to ensure your business is not disrupted:

The PayPal Sandbox, or testing environment, has been upgraded to allow only TLS 1.2 and HTTP/1.1 connections.

All production endpoints will be updated to accept only TLS 1.2 and HTTP/1.1 connections after June 30, 2017. Please note that if you haven’t made the necessary upgrades to your systems to become compliant, your business will be unable to accept payments with PayPal until the required changes have been made.

A verification endpoint is available, which can be found at and has the latest security standards so customers can quickly check if their systems are ready to accept transactions after June 30, 2017.

There are four remaining areas that our security upgrades will impact and we’ve identified the areas that need your attention. The chart below shows whether you’ll need to make changes, or if your business is already compliant or doesn’t use that functionality:

TLS 1.2 and HTTP/1.1 Upgrade – Complete by June 30, 2017
Update Needed: Yes

IPN Verification Postback to HTTPS – Complete by June 30, 2017
Update Needed: No

Discontinue Use of GET Method for Classic NVP/SOAP API’s – Complete by June 30, 2017
Update Needed: No

Merchant API Certificate Credentials Upgrade – Complete by January 1, 2018
Please note that this may be completed earlier based on the expiration date of your certificate
Update Needed: No

IP Address Update for PayPal Secure FTP Servers – Completed as of May 12, 2016

SSL Certificate Upgrade – Completed as of October 18, 2016

If there are any questions or concerns, please contact your account manager.

Maybe I should send this to Support? I have no idea how to upgrade or even what TLS 1.2 and HTTP/1.1 are.

#1367137 by Paul from Mollymook Beach, NSW
Sat Mar 18, 2017 8:07 am
Hi Mary,
I have translated this PayPal email into Paulspeak and it is basically saying it's probably at your end. I don't know if Support can help in this instance as SiteSell aren't part of the Shopping Cart but it's always worth a go.

In a case like this, I often find it's useful to contact them (PayPal) again. Sometimes you just get wrong answers from Call Centres! :? Based on Jenny's information it could well still be something to do with the card, even a security issue of some sort with the merchant. (I'm wondering here if the merchant isn't you but the card provider?? Semantics but possible...

I recently had a card that just refused to work. It turned out the address was wrong. We had moved!

It may even be that she simply has a cache that needs cleaning out of her browser or her browser is out of date.

Martin's "question of what happened before?" is valid too. For your own peace of mind, it could be useful to check those basic things especially if no-one else in the UK is having that problem on your site. Have you tried another friend in the UK to purchase the same product?

So - yes Support - you never know and back to PayPal and get your friend to try another computer or browser at least.

Stir and shake well...
#1367275 by Mary from Mico
Mon Mar 20, 2017 5:36 am
Thank you Paul and everyone.

If I get this figured, I'll try to remember to post here.

I'm adding these terms to search in case I forget that I used the term England in stead of: Great Britain, UK, Britain.

Again, thank you,

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