Advanced Card Processing

PayPal Payments offers two ways to accept credit card payments:

• Standard Card Payments – These payments display a branded Debit or Credit Card button and have a pre-built user experience.
• Advanced Credit and Debit Card Payments (Advanced Card Processing) – This method provides a fully customizable user experience.

Advanced Card Processing offers fully customizable “hosted fields” on your website, allowing you to accept credit card payments while keeping your site’s branding consistent. These hosted fields can be styled with your website’s theme or custom CSS.

Available for business accounts in select countries, this solution enables your customers to make debit and credit card payments without requiring a PayPal account. With Vaulting, customers can store their card details for future purchases or subscription renewals.

Note

If you don’t have a PayPal business account yet or have not been evaluated, you can sign up for the Advanced Credit and Debit Card features by visiting PayPal’s website. For a list of countries where this feature is available, see the PayPal documentation on Advanced credit and debit country and currency availability.

The Advanced Card Processing offers enhanced functionality compared to the standard credit card smart button. Here are some examples:

• Users can pay with credit cards without requiring a PayPal account for every application.
• More streamlined checkout experience through native-looking “hosted fields” integration with no PayPal branding.
• Fully customizable card fields.
• Fraud Protection gives you the insight and control you need to balance chargebacks and declines better. Included with Advanced Checkout at no extra cost.
• Advanced Card Processing supports Vaulting, letting your customers save their credit cards for faster, easier subsequent checkouts or automatic subscription renewals without requiring Reference Transactions.
• Supports Strong Customer Authentication (SCA) as required in the European Economic Area (EEA) and other 3D Secure contingencies.
• In some markets, lower transaction fees compared to regular PayPal-branded credit card payments.

Advanced credit and debit card functionality requires that your business account be evaluated and approved by PayPal. You automatically initiate the signup when connecting with the onboarding wizard via Activate PayPal button when selecting the Advanced Card Processing option.

PayPal may request more information about your business when you sign up for advanced card payments via the button below:

Sandbox accounts must follow the same sign-up process to activate advanced card functionality: PayPal documentation: Enable your account for advanced debit and credit card processing.

Unlock advanced credit card features by visiting the Advanced Card Processing tab in the plugin settings and enabling the gateway. The standard credit/debit card button on the Checkout page will be replaced by a dedicated and customizable payment gateway for card payments.
With the Vaulting feature enabled, customers can save their credit cards for easier and quicker future transactions.
This new unbranded gateway can be fully customized with CSS to integrate seamlessly into your native Checkout page while keeping your site’s branding consistent.

Customize the appearance of the hosted fields from the Advanced Card Processing with CSS. The default style of the fields is based on the active theme, but you have the option to modify them to match your website’s design.

Note

Customizing the hosted fields with custom CSS in the WordPress customizer may not display the changes instantly. For the updated styling to be reflected, ensure to save your modifications and reload the page or add an !important attribute.

List of CSS selectors for Advanced Card Processing

For more information on supported CSS properties, please refer to the PayPal documentation. This resource provides a comprehensive list that you can use to further customize your hosted fields.

Example CSS

While the default style of the fields is controlled by the theme, you have the option to customize the appearance to better fit your needs. Here’s an example CSS that can be added to the WordPress customizer to see the possible adjustments:

#ppcp-credit-card-gateway-card-number, #ppcp-credit-card-gateway-card-expiry, #ppcp-credit-card-gateway-card-cvc {
  background-color: #ffffff !important;
  border: 1px solid #bbbbbb !important;
  border-radius: 5px !important;
  box-shadow: 0 2px 4px 0 rgba(0, 0, 0, 0.1) !important;
  height: 40px !important;
  padding: 0 10px !important;
}

The Advanced Card Processing implements on-site hosted fields to deliver SCA and PCI-compliant payment experiences and supports advanced features like 3D Secure 2 or Vaulting. The Vaulting feature requires special cards for testing: PayPal documentation: Vault-ready test cards

Note: Credit cards can only be saved in the Vault with the Advanced Card Processing and not the standard credit card Smart Button.

3D Secure 2 requires dedicated test cards which can be found in the official PayPal documentation. Regular non-3D Secure and non-Vaulting payments can be tested with cards from the Card Generator in the PayPal developer dashboard.