您使用PayPal做生意吗？您(Are)是否使用PayPal接受在线客户的付款？如果您已经使用该平台多年，您可能会觉得您对它了如指掌。
如果这是真的，那么您应该了解它的所有功能，例如PayPal Credit（以前称为Bill Me Later），以及当面收款（以及使用比特币(Bitcoin)）的能力。
如果没有，那么是时候了解PayPal for business 所提供的一切了。首先(First)，让我们来看看PayPal Credit。
什么是贝宝信用？(What Is PayPal Credit?)
PayPal Credit，以前称为Bill Me Later，自 2008 年以来一直存在。它允许商家向客户提供信用，以便他们现在购买并稍后付款（仅限 99 美元或以上的订单）。
对于电子商务商店来说，这听起来适得其反，但实际上它很巧妙。尽管您的客户不预先付款(pay upfront)，但您仍然可以立即获得付款。您现有的PayPal 结帐(PayPal checkout)流程不会中断。然后客户有六个月的时间全额还清余额。
令人惊讶的是，PayPal Credit 的使用(PayPal Credit usage)并没有立即起飞。直到 2018 年和 2019 年，它的用户数量一直停滞在 2500 万左右，从2.5 亿飙升至 2.75 亿(250 million to 275 million)。然后在 2019 年初，它$50 billion in transaction volume。
Ryan将很快发表一篇关于Paypal 信用(Paypal credit)及其运作方式的更深入的文章。
如何将 PayPal 信用横幅添加到您的 Shopify 购物车(How To Add a PayPal Credit Banner To Your Shopify Cart)
当您使用PayPal开展业务时，最好宣传一下您在电子商务商店中接受(ecommerce store)PayPal Credit付款以支付超过 99 美元的订单。通过这种方式，您可以吸引访问者在他们的购物车中添加足够的商品以获得资格。那些没有PayPal Credit的人可以申请。
以下是在Shopify 购物车的(Shopify cart)产品页面(product page)上添加横幅的方法：
- 登录您的 Shopify 管理面板。
- 选择网上商店( online store)。
- 选择主题。( themes.)
- 单击三个点 (...)
- 选择 Edit HTML/CSS。
- 单击Layout下的theme.liquid。
- 将您的PayPal Credit 横幅代码（由(PayPal Credit banner)PayPal 融资(PayPal financing)提供给您）粘贴到模板中。
- 点击保存( save)。
如何将 PayPal Credit 按钮添加到您的 Magento 商店(How To Add a PayPal Credit Button To Your Magento Store)
通过PayPal Credit(PayPal Credit)向客户提供融资不会花费(t cost)您一分钱。这是在Magento中进行设置的方法。
- 转到管理菜单。
- 选择 System > Configuration。
- 将显示一个面板。在销售(Sales)下选择付款方式( Payment Methods)。
- 单击PayPal Express Checkout下的(PayPal Express Checkout)配置(Configure)按钮。
- 单击配置( Configure)。
- 展开所需 PayPal 设置(Required PayPal Settings)的菜单。
- 选择是( Yes)启用 PayPal(Enable PayPal Credit) Credit
- 单击保存配置(Save Config)按钮。
现在您的客户已准备好使用PayPal Credit从您的(PayPal Credit)Magento 商店(Magento store)进行购买。
您的企业应该尝试的 5 个其他 PayPal 功能(5 Other PayPal Features For Your Business Should Try)
许多企业多年来一直使用PayPal，而没有利用其任何附加功能。这部分是由于他们没有做任何研究，或者只是在平台上点击以了解更多关于它所提供的内容。
因此，我们将看看PayPal为您应该考虑使用的企业提供的五项功能。
进行大量付款(Make Mass Payments)
如果您从事的企业使用承包商、自由职业者或远程员工，那么您可能会以虚拟方式提交付款。您可以使用 PayPal 的批量支付功能，而不是一次完成一个。
如果您每个月要支付多笔款项，这是理想的选择。使用此功能，您可以一次性处理所有付款。
然后，如果每个月的金额相同，您可以保存模板，这样您就不必每次都填写电子邮件。
通过 Braintree 接受比特币(Accept Bitcoin With Braintree)
PayPal 拥有Braintree，这是一种在线支付解决方案(payment solution)，可以接受各种支付类型——包括比特币(Bitcoin)。
如果你在加密货币潮流(cryptocurrency bandwagon)中，那么这是让你踏上门的完美方式（以及你的虚拟钱包中的 比特币）。(Bitcoin)
让您的程序员调整 PayPal 的开源代码(Get Your Programmers to Tweak PayPal’s Open Source Code)
开源(Open source)软件远远超过其封闭源软件，因为它继续以快速的速度增长。当您为世界各地的程序员打开开发您的SDK的大门时，您一定会看到进化一次(time and time)又一次地发生。这也是PayPal在支付解决方案领域保持领先地位的原因之一。
既然您知道该平台是开源的，为什么不看看如何添加代码以使其变得更好呢？
目前有几个活跃的项目，包括用于移动应用程序的信用卡扫描仪(credit card scanner for mobile apps)和实时元数据扫描仪。
使用读卡器接受当面付款(Accept In-Person Payments With a Card Reader)
也许您的业务并不(business isn)完全在线。如果是这种情况，那么您将需要一种方法来为您的面对面交易提供灵活的计费方式。
您可以使用POS（销售点）系统扩展到信用卡和借记卡(credit and debit cards)，而不是只接受现金和支票。(cash and checks)您可以将其插入智能手机或平板电脑(smartphone or tablet)以刷卡。更新后的系统还配备了读卡器。
为了您的方便，一切都通过应用程序完成。
通过营运资金贷款扩展您的业务(Expand Your Business With Working Capital Loans)
这是您在付款处理器中每天都看不到的东西。过去，您必须依靠投资者和银行来获得资金来发展您的业务。今天，您可以使用您的PayPal 帐户(PayPal account)申请营运资金贷款(working capital loans)（所有这些都不会影响您的信用评分(credit score)）。您可以在几分钟内向您的帐户申请和接收资金（无需信用检查(credit check)）。
您有资格获得的金额将取决于您的年销售额。您必须每年至少赚取 15,000 美元的销售额，并且拥有至少三个月的商业账户。(business account)PayPal将提供高达 35% 的销售额。
您将获得多种还款选择——(repayment –)您可以选择让PayPal从您的销售额中抽取 10% 到 35% 的折扣，直到还清贷款。有固定费用，由您选择的收益百分比决定。
您可以使用不同的金额（最多可提供最大金额）来查看适合您预算的金额。您可以取出的最低金额为 1,500 美元。一旦您还清了贷款（是的，您可以提前还清贷款而不会受到处罚），您可以在三天后再次申请。
使用 PayPal 的功能最大化您的销售额(Maximize Your Sales With PayPal’s Features)
贝宝(PayPal)不仅仅是一个支付处理器(payment processor)，它还是一个商业伙伴(business partner)。当充分发挥其潜力时，您可以增加销售额并获得支持以资助您的扩张。
如果您认真对待您的在线（或离线）业务，那么我们建议您尝试一下这些PayPal 业务(PayPal business)功能。
Paypal for Business: 6 Features You Need to Try
Do you use PayPal for business? Are you using PayPal to accept payments from your online customers? If you’ve been using the platform for a number оf уears, you may feel уou know it inside and оut.
If that’s true, then you should know about all of its features, like PayPal Credit (formerly Bill Me Later), and the ability to accept money in person (and using Bitcoin).
If not, then it’s time you learn all about what PayPal for business has to offer. First, let’s take a look at PayPal Credit.
What Is PayPal Credit?
PayPal Credit, formerly known as Bill Me Later, has been around since 2008. It allows merchants to offer credit to customers so they can buy now and pay later (only for orders $99 or more).
It sounds counterproductive for an e-commerce store, but it’s, in fact, ingenious. Although your customers don’t pay upfront, you still get paid right away. There’s no disruption from your existing PayPal checkout flow. Then the customer has six months to pay off the balance in full.
Surprisingly, PayPal Credit usage didn’t take off right away. It was stagnant at around 25 million users until 2018 and 2019 when it soared from 250 million to 275 million. Then at the beginning of 2019, it reached $50 billion in transaction volume.
Ryan will shortly be bringing out a more in-depth article on Paypal credit and how it works exactly.
How To Add a PayPal Credit Banner To Your Shopify Cart
When you use PayPal for business, it’s good to promote that you’re accepting PayPal Credit payments in your ecommerce store for orders over $99. This way, you can entice visitors to add enough items in their cart to qualify. Those who don’t have PayPal Credit will be able to apply.
Here’s how to add a banner to your product page on your Shopify cart:
- Log into your Shopify admin panel.
- Select online store.
- Select themes.
- Click the three dots (…)
- Select Edit HTML/CSS.
- Click theme.liquid beneath Layout.
- Paste your code for the PayPal Credit banner (given to you from PayPal financing) into the template.
- Click save.
How To Add a PayPal Credit Button To Your Magento Store
It doesn’t cost you a dime to offer finance to customers through PayPal Credit. Here’s how you can set it up in Magento.
- Go to the Admin menu.
- Select System > Configuration.
- A panel will show up. Select Payment Methods underneath Sales.
- Click the Configure button under PayPal Express Checkout.
- Click Configure.
- Expand the menu for Required PayPal Settings.
- Select Yes to Enable PayPal Credit
- Click the Save Config button.
Now your customers are ready to make purchases from your Magento store using PayPal Credit.
5 Other PayPal Features For Your Business Should Try
Many businesses use PayPal for years without taking advantage of any of its additional features. This is partly due to them not doing any research or simply clicking around the platform to learn more about what it has to offer.
So we’re going to take a look at five features PayPal offers for businesses that you should consider using.
Make Mass Payments
If you’re in a business that uses contractors, freelancers, or remote employees, then you likely submit payments virtually. Rather than doing it one at a time, you can use PayPal’s mass payments feature.
This is ideal if you have more than a handful of payments to make each month. With this feature, you can take care of all payments in one go.
Then if it’s the same amount each month, you can save the template, so you don’t have to fill out emails each time.
Accept Bitcoin With Braintree
PayPal owns Braintree, which is an online payment solution that accepts all sorts of payment types – including Bitcoin.
If you’re on the cryptocurrency bandwagon, then this is the perfect way to get your foot in the door (and Bitcoin in your virtual wallet).
Get Your Programmers to Tweak PayPal’s Open Source Code
Open source software far exceeds its closed source counterparts because it continues to grow at a rapid rate. When you open the door for programmers across the world to work on your SDK, then you’re bound to see evolution occur time and time again. This is one reason PayPal remains a leader in payment solutions.
Now that you know the platform is open source, why not see how you can add to the code to make it even better?
There are currently several active projects, including a credit card scanner for mobile apps and a real-time metadata scanner.
Accept In-Person Payments With a Card Reader
Maybe your business isn’t entirely online. If that’s the case, then you’ll need a way to offer flexible billing for your in-person transactions.
Rather than only accepting cash and checks, you can expand to credit and debit cards using a POS (point of sale) system. You can plug this into your smartphone or tablet to swipe cards. The updated systems also come with card readers.
Everything’s done through the app for your convenience.
Expand Your Business With Working Capital Loans
Here’s something you don’t see every day with payment processors. In the past, you had to rely on investors and banks to get funding to grow your business. Today, you can use your PayPal account to apply for working capital loans (all without it affecting your credit score). You can apply and receive funding to your account within minutes (no credit check required).
The amount you qualify for will depend on your annual sales. You have to make at least $15,000 per year in sales and have had a business account for at least three months. PayPal will offer up to 35% of your sales.
You’ll get several options for repayment – you can opt to have PayPal take between 10% and 35% off your sales until the loan is paid off. There are set fees, which are determined by the percentage you choose for the payoff.
You can play around with different amounts (up to the maximum it offers) to see what works for your budget. The minimum you can take out is $1,500. Once you repay the loan (yes, you can pay it off early without penalty), you can apply for another after three days.
Maximize Your Sales With PayPal’s Features
PayPal is more than just a payment processor, it’s a business partner. When used to its full potential, you can grow your sales and get backing to fund your expansion.
If you’re serious about your online (or offline) business, then we recommend giving these PayPal business features a try.
