How To Create A Recurring Payment In Paypal
Website Payments
Pro Payflow Edition -
Recurring Payments
Developer's Guide
Last updated: January 2010
Website Payments Pro Payflow Edition - Recurring Payments Developer's Guide
Document Number: 200040.en_US-201001
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Contents
Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Audience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Where To Go For More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Revision History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
| Chapter 1 | Recurring Payments Overview . . . . . . . . . . . . . . . | 7 | ||||||
| About the Payflow Recurring Payment Services. . . . . . . . . . . . . . . . . . . . . . . . 7 | ||||||||
| Managing Recurring Payments Profiles Through PayPal . . . . . . . . . . . . . . . . . . . 8 | ||||||||
| Limitations . . . . . . . . . . . . . | . . . . . . . . . . | . . . . | . . . . . . . . | . . . | . . . | . | . 9 | |
| Recurring Payments Terms . . . . | . . . . . . . . . . | . . . . | . . . . . . . . | . . . | . . . | . | . 9 | |
| Chapter 2 | Creating Recurring Payments Profiles . . . . . . . . . . . 11 | |
| Preparing to Create Recurring Payments Profiles . . . . . . . . . . . . . . . . . . . . . . | 11 | |
| Creating Profiles Through Your PayPal Account. . . . . . . . . . . . . . . . . . . . . . . | 11 | |
| Creating Recurring Payments Profiles Programmatically . . . . . . . . . . . . . . . . . . 13 | ||
| Options for Creating a Recurring Payments Profile Programmatically. . . . . . . . . . . . | 14 | |
| Specifying the Regular Payment Period . . . . . . . . . . . . . . . . . . . . . . . . . 15 | ||
| Including an Optional Trial Payment Period . . . . . . . . . . . . . . . . . . . . . . . | 15 | |
| Specifying an Initial Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | 15 | |
| Setting the Number of Failed Payments . . . . . . . . . . . . . . . . . . . . . . . . . 16 | ||
| Billing the Outstanding Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 | ||
| Example: Creating a Recurring Payments Profile For Billing a Credit Card . . . . . . . . . | 16 | |
| Example: Creating a Recurring Payments Profile For Billing a PayPal Account . . . . . . | 18 | |
Chapter 3 Deactivating and Reactivating Recurring Payments Profiles .
21
Deactivating a Profile Through Your PayPal Account . . . . . . . . . . . . . . . . . . . . 21 Reactivating a Profile Through Your PayPal Account . . . . . . . . . . . . . . . . . . . . 22 Deactivating a Profile Programmatically . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Reactivating a Profile Programmatically . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Example of Deactivating a Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
| Payflow Recurring Payments Developer's Guide | 3 |
Contents
Example of Reactivating a Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Chapter 4 Canceling Recurring Payments Profiles . . . . . . . . . . . 25
Canceling Recurring Payments Profiles Through Your PayPal Account. . . . . . . . . . . 25
Chapter 5 Getting Recurring Payments Profile Details . . . . . . . . . 29
Profile Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Obtaining Profile Details Through Your PayPal Account. . . . . . . . . . . . . . . . . . . 30 Obtaining Profile Details Programmatically . . . . . . . . . . . . . . . . . . . . . . . . . 31 Example of Getting Recurring Payments Profile Details . . . . . . . . . . . . . . . . . . . 31
| Chapter 6 | Billing the Outstanding Amount . . . . . . . . . . . . . . 33 | |
| Billing the Outstanding Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | 33 | |
| Chapter 7 | Updating Recurring Payments Profiles . . . . . . . . . . . 35 | |
| Updating Addresses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 | ||
| Updating a Profile Through Your PayPal Account . . . . . . . . . . . . . . . . . . . . . . | 35 | |
| Updating Profiles Programmatically . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 | ||
| Example of Updating Profiles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | 37 | |
| Chapter 8 | Recurring Payments Reference . . . . . . . . . . . . . . . 39 | |
| Creating Recurring Payments Profiles (ACTION=A) . . . . . . . . . . . . . . . . . . . . | 39 | |
| Updating Recurring Payments Profiles (ACTION=M) . . . . . . . . . . . . . . . . . . . . 46 | ||
| Deactivating Recurring Payments Profiles (ACTION=C) . . . . . . . . . . . . . . . . . . | 52 | |
| Reactivating Recurring Payments Profiles (ACTION=R) . . . . . . . . . . . . . . . . . . | 53 | |
| Viewing Recurring Payments Profile Details (ACTION=I) . . . . . . . . . . . . . . . . . . | 53 | |
| Billing Outstanding Amount Request (ACTION=P) . . . . . . . . . . . . . . . . . . . . . | 61 | |
Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
| 4 | Payflow Recurring Payments Developer's Guide |
Preface
This guide describes how to perform recurring payments transactions using the Payflow SDK. It also describes how to manage recurring payments profiles through the merchant's PayPal account. Recurring Payments is a scheduled payment solution that enables you to automatically bill the buyer at regular intervals – for example, a monthly fee of $42 for 36 months with an initial fee of $129.
Audience
This guide assumes that its users:
z Have PayPal accounts that have the ability to use Payflow credentials.
z Are experienced web or application developers or merchants offering recurring payment solutions to their buyers on their websites
z Have a background in payments services
z Have experience with Express Checkout if billing the buyer's PayPal account on a recurring basis
Where To Go For More Information
For more information, see the following documentation, which is available on Developer Central :
z Website Payments Pro Payflow Edition Developer's Guide
z Express Checkout for Payflow Pro
Revision History
TABLE 1.1 Revision history
| Date | Changes |
| January 2010 | Updated Preface description of Recurring Payments users. |
| Payflow Recurring Payments Developer's Guide | 5 |
Revision History
TABLE 1.1 Revision history
| Date | Changes |
| August 2009 | Added an example of obtaining a TOKEN from the Set Express |
| Checkout response to create a Recurring Payments profile for | |
| billing a PayPal account. | |
| March 2009 | First publication of Payflow Recurring Payments for credit cards |
| and PayPal accounts on a recurring basis | |
| 6 | Payflow Recurring Payments Developer's Guide |
| 1 | Recurring Payments Overview |
Website Payments Pro Payflow Edition (Payflow) Recurring Payments allows you to bill a buyer's credit card or PayPal account for a fixed amount of money on a fixed schedule. Consider the following examples:
z A buyer purchases a subscription to a magazine or newsletter from your site and agrees to pay a monthly fee.
z A buyer agrees to pay an Internet Service Provider a one-time setup fee and a flat fee on a semi-annual basis to host a website.
z A buyer agrees to an installment plan to purchase a high-ticket item.
These examples represent payment transactions that reoccur periodically and are for a fixed amount. PayPal offers Payflow recurring payments with the Direct Payments (credit card processing) and Express Checkout payment solutions.
N OTE : To use recurring payments to bill a buyer's PayPal account, you must first establish a billing agreement with the buyer through the Express Checkout flow. For details, see the document entitled Express Checkout for Payflow Pro, which is available on
Developer Central .
About the Payflow Recurring Payment Services
When you create recurring payments for a buyer, you create a recurring payments profile. The recurring payments profile contains information about the recurring payments, including details for an optional trial payment period and a regular payment period. If the profile is for billing the buyer's credit card, it specifies the credit card account to bill and the expiration date. A recurring payments profile also includes the associated contact information, the amount to charge each time, the billing period (monthly, weekly, and so on), and the number of payment periods over the life of the recurring billing agreement.
After a recurring payments profile is created, PayPal automatically queues payments based on the billing start date, billing frequency, and billing amount, until the profile expires or is canceled by the merchant.
After the recurring payments profile is created, you can view recurring payments details and perform other recurring payments profile management tasks:
z Manually, by accessing your PayPal Business account
z Programmatically, by making calls to Payflow recurring payments requests The following sections describe how to perform recurring payments profile tasks:
z "Creating Recurring Payments Profiles" on page 11
z "Deactivating and Reactivating Recurring Payments Profiles" on page 21
| Payflow Recurring Payments Developer's Guide | 7 |
Recurring Payments Overview
Managing Recurring Payments Profiles Through PayPal
z "Canceling Recurring Payments Profiles" on page 25
z "Getting Recurring Payments Profile Details" on page 29
z "Billing the Outstanding Amount" on page 33
z "Updating Recurring Payments Profiles" on page 35
Managing Recurring Payments Profiles Through PayPal
After you have created recurring payments profiles, you can manage them through your PayPal Business account:
1. Log in to your business account.
2. Click the Recurring Payments link either in the Tools section of the Account Overview page or on your Profile page.
The Recurring payments overview page appears, as shown below.
FIGURE 1.1 Recurring payments overview page
| 8 | Payflow Recurring Payments Developer's Guide |
Recurring Payments Overview
Limitations
Limitations
The current release of Payflow recurring payments has the following limitations:
z A recurring payments profile can have at most one optional trial payment period and a single regular payment period.
z The recurring payments profile start date may not be earlier than the profile creation date.
Recurring Payments Terms
Table 1.1 lists commonly used terms related to Payflow Recurring Payments.
TABLE 1.1 Payflow Recurring Payments Terms
| Term | Meaning |
| Payment | The amount that is transacted during each regular payment |
| period, not including shipping and tax. It is represented by the | |
| Payflow AMT parameter. Payments differ from transactions. | |
| Several transactions may be required to successfully perform a | |
| payment for a payment period, for example, because of a lack of | |
| funds during the first transaction attempts. | |
| Regular payment period | The period during which a single regular (non-trial) payment is |
| made. It is represented by the PAYPERIOD parameter. If, for | |
| example, a $42 payment is due on a monthly basis, the regular | |
| payment period is monthly. | |
| Trial payment period | An optional subscription period before the regular payment |
| period begins. It is represented by the TRIALPAYPERIOD | |
| parameter. A trial payment period and trial payment may differ | |
| from the regular payment period and regular payment. | |
| Term | The total number of regular or trial payment periods. It is |
| represented by the TERM and TRIALTERM parameters. If there | |
| are 36 monthly payments, for example, the term is 36. On the | |
| PayPal website, term is called payment cycle. | |
| Recurring payments profile | Your definition of a recurring transaction for a single buyer. The |
| profile includes all information required to automatically bill the | |
| right person the right amount per payment period over the billing | |
| frequency. | |
| Profile ID | A 19-character string PayPal generates to uniquely identify a |
| recurring profile. | |
| Outstanding balance | If a payment fails for any reason, that amount is added to the |
| profile's outstanding balance. | |
| Payflow Recurring Payments Developer's Guide | 9 |
Recurring Payments Overview
Recurring Payments Terms
| 10 | Payflow Recurring Payments Developer's Guide |
| 2 | ProfilesCreating Recurring Payments |
N OTE : The Payflow SDK recurring payments operations are available only to merchants who have signed up for Payflow Recurring Payments.
Preparing to Create Recurring Payments Profiles
To set up recurring payments, you must collect all necessary information from the buyer including the billing amount of the payment.
For recurring payments that you bill through the buyer's credit card, this includes the buyer's credit card information.
For recurring payments that you bill through the buyer's PayPal account, you must first call the Set Express Checkout request, specifying the RecurringPayments billing type and providing the billing description for one or more profiles that you want to create. For details, see Express Checkout for Payflow Pro.
After you have collected the information, you can create the recurring payments profile either through the PayPal website or programmatically using the PayPal SDK recurring payments SDK operations.
Creating Profiles Through Your PayPal Account
To create a recurring payments profile through your PayPal Business account:
1. Log in to your business account.
2. Click the Recurring Payments link either in the Tools section of the Account Overview page or on your Profile page.
The Recurring payments overview page appears, as shown in Figure 2.1 .
| Payflow Recurring Payments Developer's Guide | 11 |
Creating Recurring Payments Profiles
Creating Profiles Through Your PayPal Account
FIGURE 2.1 Recurring payments overview page
3. Click the Create a new profile link.
4. On the Create a Recurring Payment profile page, fill in all required information about the buyer, and click continue.
If successful, the Review a Recurring Payment profile page appears.
5. Review the profile description. Click Update to edit, if necessary, or Cancel to cancel the profile. Click Submit to create the profile.
Upon successful profile creation, you will receive a status message along with a summary of the profile information, such as shown in Figure 2.2 .You can use the profile ID to locate and obtain information about this profile in the future.
Click the Recurring Payments link either in the Tools section of the Account Overview page or on your Profile page to view the Recurring payments overview page. From this page, you can manage the profiles you create. For more information, see "Managing Recurring Payments Profiles Through PayPal" on page 8.
| 12 | Payflow Recurring Payments Developer's Guide |
Creating Recurring Payments Profiles
Creating Recurring Payments Profiles Programmatically
FIGURE 2.2 Profile created
Creating Recurring Payments Profiles Programmatically
You can create recurring payments profiles programmatically using the Payflow SDK. Table 2.1 lists the Payflow parameters required in the request string to create a new profile. The ACTION value for creating a profile is always A.
| TABLE 2.1 | Required Parameters to Create a New Profile |
| Parameter | Notes |
| TRXTYPE | The value R for recurring payments. |
| TENDER | The value C for credit card or P for PayPal |
| Payflow Recurring Payments Developer's Guide | 13 |
Creating Recurring Payments Profiles
Options for Creating a Recurring Payments Profile Programmatically
TABLE 2.1 Required Parameters to Create a New Profile
| Parameter | Notes |
| ACTION | The value A for creating a new recurring payments profile. |
| PROFILENAME | Unique profile name. |
| ACCT | Credit card account number. Required for credit card billing |
| only. | |
| EXPDATE | Credit card expiration date. Required for credit card billing only. |
| AMT | The amount to bill. |
| START | Start date for the recurring payment. The date is tomorrow or a |
| date in the future. | |
| TERM | Life of the payment. |
| PAYPERIOD | How often the payment occurs, such as weekly or twice a |
| month. | |
| TOKEN | A TOKEN returned in the Set Express Checkout response. |
| Required for PayPal account billing only. | |
| L_BILLINGAGREEMENTDESCR | One or more billing agreement descriptions up to a maximum of |
| IPTIONn | 10. Required for PayPal account billing only. |
| BA_DESC | A single billing agreement description only; if |
| L_BILLINGAGREEMENTDESCRIPTIONn is specified, it | |
| overrides this value. Required for PayPal account billing if | |
| L_BILLINGAGREEMENTDESCRIPTIONn is not specified. |
Upon successful creation of a profile, PayPal activates the profile, initiates the billing cycle, and returns a profile ID. Upon failure, PayPal does not generate the profile and, instead, returns a status message.
As with all direct payments, PayPal is completely invisible to the buyer. The buyer's credit card statement will not indicate that PayPal processed the payment.
Options for Creating a Recurring Payments Profile Programmatically
You have the following options when creating a recurring payments profile:
z Specifying the Regular Payment Period
z Including an Optional Trial Payment Period
z Specifying an Initial Payment
z Setting the Number of Failed Payments
| 14 | Payflow Recurring Payments Developer's Guide |
Creating Recurring Payments Profiles
Options for Creating a Recurring Payments Profile Programmatically
Specifying the Regular Payment Period
Each recurring payments profile has a regular payment period that defines the amount and frequency of the payment. Table 2.2 lists the required fields associated with creating the regular payment period.
TABLE 2.2 Regular Payment Period Parameters
AMT
START
TERM
PAYPERIOD
Including an Optional Trial Payment Period
You can optionally include a trial payment period in the profile by specifying the following fields in the request to create a profile. Table 2.3 lists the required fields if you are also creating an optional trial payment period.
N OTE : If you include any of the trial payment period parameters, you must include all them in the request to create a recurring payments profile.
TABLE 2.3 Trial Payment Period Parameters
TRIALSTART
TRIALTERM
TRIALPAYPERIOD
TRIALAMT
TRIALFREIGHTAMT
TRIALTAXAMT
Specifying an Initial Payment
You can optionally specify an initial non-recurring payment when the recurring payments profile is created by including the fields listed in Table 2.4 in the request to create a profile.
TABLE 2.4 Optional Initial Payment Parameters
OPTIONALTRXAMT
FAILEDINITAMTACTION
When you specify an amount for OPTIONALTRXAMT, the profile is billed for that amount initially upon recurring payments profile creation. If you don't supply a value for this
| Payflow Recurring Payments Developer's Guide | 15 |
Creating Recurring Payments Profiles
Example: Creating a Recurring Payments Profile For Billing a Credit Card
parameter, PayPal performs a $1.00 authorization using the merchant-supplied credentials to create a recurring payments profile.
By default, PayPal will not activate the profile if the initial payment amount fails. You can override this default behavior by setting FAILEDINITAMTACTION to ContinueOnFailure, which indicates that if the initial payment amount fails, PayPal should add the failed payment amount to the outstanding balance due on this recurring payment profile.
If FAILEDINITAMTACTION is not set or is set to CancelOnFailure, PayPal creates the recurring payments profile but places it in a pending status until the initial payment is completed. If the initial payment clears, this means PayPal activated the pending profile. If the payment fails, PayPal did not activate it. To check the profile status, see "Obtaining Profile Details Through Your PayPal Account" on page 30.
Setting the Number of Failed Payments
By including the optional MAXFAILEDPAYMENTS parameter in the request to create a profile, you can set the number of failed scheduled payments allowed before PayPal deactivates (suspends) the profile. By default, the value is 0, which means no limit.
Billing the Outstanding Amount
If a payment fails for any reason, the amount that was to be billed (including shipping and tax, if applicable) is added to the profile's outstanding balance. Use the AUTOBILLOUTSTANDINGAMT parameter field in the request to create a profile to specify whether or not the outstanding amount should be added to the payment amount for the next billing cycle.
Example: Creating a Recurring Payments Profile For Billing a Credit Card
The following Payflow parameter string creates a profile for credit card recurring payments billing. Parameter fields required for creating the credit card recurring payments profile are in boldface. The example includes the following:
z An initial non-recurring payment of $10.00
z Profile activation even if the initial payment amount fails
z A trial payment period starting August 2, 2009, for 2 months at a trial rate of $56.00 per month plus $20.00 shipping and $2.50 tax
z A regular payment starting October 27, 2009, for 10 months at a rate of $60.00 per month excluding shipping and tax
z The outstanding amount is added to the payment amount for the next billing cycle ( PAYPERIOD)
| 16 | Payflow Recurring Payments Developer's Guide |
Creating Recurring Payments Profiles
Example: Creating a Recurring Payments Profile For Billing a Credit Card
Create Credit Card Recurring Payments Profile Request
"USER=SuperMerchant
&PWD=SuperUserPassword
&PARTNER=PayPal
&TRXTYPE=R &TENDER=C
&ACTION=A &PROFILENAME=J Smith &ACCT=510510511105105100 &EXPDATE=1209
&CVV2=657
&AMT=60.00
&START=10272009
&TERM=10
&PAYPERIOD=MONT
&CURRENCY=USD
&MAXFAILPAYMENTS=4
&EMAIL=jsmith01@example.com
&COMPANYNAME=PayPal &DESC=To See Cricket Matches &OPTIONALTRXAMT=10.00 &FIRSTNAME=John &MIDDLENAME=J &LASTNAME=Smith
&STREET=1 Main St &ZIP=95131&CITY=San Jose &STATE=CA
&COUNTRY=US &PHONENUM=294-9555 &CARDSTART=1008 &CARDISSUE=Solo &FREIGHTAMT=20.00 &TAXAMT=2.50 &TRIALSTART=08022009 &TRIALTERM=2 &TRIALPAYPERIOD=MONT &TRIALAMT=56.00 &TRIALFREIGHTAMT=20.00 &TRIALTAXAMT=2.50
&FAILEDOPTIONALTRXACTION=ContinueOnFailure
&AUTOBILLOUTSTANDINGAMT=AddToNextBilling"
Create Credit Card Recurring Payments Profile Response
RESULT=0
&RESPMSG=Approved
&RPREF=RRRF0A08BD40 &PROFILEID=I-98E07417J1765691F &CORRELATIONID=63ba4af1de909
| Payflow Recurring Payments Developer's Guide | 17 |
Creating Recurring Payments Profiles
Example: Creating a Recurring Payments Profile For Billing a PayPal Account
Example: Creating a Recurring Payments Profile For Billing a PayPal Account
To create a Recurring Payments profile for a PayPal account, you must call Set Express Checkout and pass the following parameter information:
z The billing type value RecurringPayments (required)
z A description of the goods or services associated with the agreement (required)
The example below passes the billing type and descriptions for two billing agreements. The parameters required to create the Recuring Payments profile are in boldface.
Set Express Checkout Request
"TRXTYPE=A
&USER=User
&TENDER=P
&PARTNER=PayPal
&VENDOR=Vendor
&PWD=Pwd
&ACTION=S
&AMT=10.00 &RETURNURL=http://...
&CANCELURL=http://...
&CURRENCY=USD &L_BILLINGTYPE0=RecurringPayments &L_BILLINGAGREEMENTDESCRIPTION0=Time magazine &L_BILLINGTYPE1=RecurringPayments
&L_BILLINGAGREEMENTDESCRIPTION1=Newsweek magazine
&SHIPTOCITY=San Jose
&SHIPTOCOUNTRY=USA US &SHIPTOSTATE=CA &SHIPTOSTREET=1 Main St &SHIPTOZIP=95131 &PAYMENTTYPE=any"
Set Express Checkout Response
RESULT=0
&RESPMSG=Approved &TOKEN=EC-5FA74536B1724550T
&CORRELATIONID=e8f1f97944872
When creating the recurring payments profile with ACTION=A, you pass the TOKEN returned in the Set Express Checkout response, along with the following parameters:
z The L_BILLINGAGREEMENTDESCRIPTIONn string (exactly as it was passed in the call to Set Express Checkout) for the profile you want to create
z TENDER type P to identify the recurring payments as billing a PayPal account
z The TOKEN returned in the Set Express Checkout response
| 18 | Payflow Recurring Payments Developer's Guide |
Creating Recurring Payments Profiles
Example: Creating a Recurring Payments Profile For Billing a PayPal Account
The following example creates a recurring payments profile that bills a PayPal account. Parameters required for creating the PayPal account recurring payments profile are in boldface. The example allows four failed scheduled payments before PayPal deactivates the profile.
Create Express Checkout Recurring Payments Profile Request
"TRXTYPE=R &TENDER=P
&ACTION=A &USER=ser &VENDOR=Vendor &PWD=Pwd &PARTNER=PayPal
&TOKEN=EC-5FA74536B1724550T
&PROFILENAME=J Smith Profile &AMT=30.00
&START=10272010
&TERM=5
&PAYPERIOD=WEEK
&CURRENCY=USD
&MAXFAILPAYMENTS=4
&COMPANYNAME=PayPal
&FIRSTNAME=J
&LASTNAME=Smith &STREET=1 Main St &ZIP=95131 &CITY=San Jose &STATE=CA &COUNTRY=USA
&EMAIL=jsmith01@example.com
&PHONENUM=4082354545
&FREIGHTAMT=30.00
&TAXAMT=34.00
&AUTOBILLOUTSTANDINGAMT=NoAutoBill &L_BILLINGAGREEMENTDESCRIPTION1=Newsweek magazine"
Create Express Checkout Recurring Payments Profile Response
RESULT=0
&RESPMSG=Approved
&RPREF=RTTF0D917B7D &PROFILEID=I-EANRHMUGWESK &CORRELATIONID=350f1e135ab53
| Payflow Recurring Payments Developer's Guide | 19 |
Creating Recurring Payments Profiles
Example: Creating a Recurring Payments Profile For Billing a PayPal Account
| 20 | Payflow Recurring Payments Developer's Guide |
How To Create A Recurring Payment In Paypal
Source: https://manualmachine.com/paypal/websitepaymentspro2010/2793507-recurring-payments-developers-guide-payflow-edition/
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