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Content on PayPal payments for online merchants, with a focus on high-risk considerations. What we cover:

  • Availability & restrictions: Acceptable Use Policy and “prohibited/restricted” lists; many high-risk verticals (e.g., iGaming, FX/CFD, adult, some crypto) are typically not supported.

  • Products & flows: Checkout / Smart Buttons, PayPal Commerce Platform (PPCP), Vault & One Touch, Pay Later, and PayPal Payouts (mass payouts).

  • Risk & operations: Seller Protection eligibility, buyer disputes in the Resolution Center vs card chargebacks through acquirers, reserves/holds/rolling reserves, account limitations, and evidence best practices.

  • Integration notes: off-site redirection (reduced PCI scope), REST APIs & webhooks, order→capture/refund/void, reconciliation reports, sandbox/testing, and how to combine PayPal with cards/APMs in an orchestration stack.

  • When it fits: use for compliant goods/services, marketplaces, digital goods with strong proof-of-delivery, and as a secondary APM in mixed-risk catalogs; avoid for disallowed verticals.

Authoritative outbound resources (official):

PayPal card processing USA: cards-only setup for EU projects, requirements, limits, and how to Improve US authorization rate

diagram: EU project → cards-only via PayPal (word in italics, not a logo) → US map; AVS/3-D Secure, BIN routing USA, approval

Scope. This guide covers accepting cards via PayPal only (no wallets) for EU-registered projects selling to US payers. You’ll learn what the setup is, what PayPal and partners check, which industries it fits, and how to squeeze more approvals with smart retry logic US issuers and hygiene. So, you will learn about PayPal card processing USA.

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