Presentation by Dominique Moayedpour & Musaab At-Taras (PayPal) for the Disruptive Code conference, Stockholm 2010.

1. 21th September 2010 Monetization using PayPal Disruptive Code– m@x.com and dom@x.com

3. What is PayPal X?

4. PayPal for Mobile20/09/2010 2

6. Over 87 million active registered accounts* globally, with over 30 million accounts held in Europe

7. Available in 190 markets, supporting 24 currencies

8. In Europe, PayPal is accepted by top merchants, including Boots, Top Shop, New Look, Ted Baker, DHL, Lufthansa, Lindt, Vente-Privee, FNAC.com, Mandarina Duck, Correos, Vueling.com20/09/2010 3

10. Split payments

11. Bill payments

12. Payroll payments

13. B2B payments

14. Remittances

15. Marketplace payments

16. Virtual currencies

17. Points and miles

18. Mass payments

19. Invoice payments

20. Recurring payments

21. Scheduled payments

22. Money transfers

23. Mobile/device payments

24. Government travel

25. Future payment scenarios…A money movement service that is configurable or "Adaptive" to allow innumerable use cases Configurable service suite for any type of payment or transfer Not limited to web eCommerce payments Advanced feature: Modular payment approval Built for web, mobile, future, or custom methods for approval Pre-approval allows for approval off PayPal.com Advanced feature: Pre-approved payments Pre-approval for one-time, multi-use, and subscription payments Configurable personal identification number (PIN) support Advanced feature: Parallel and chained payments Allows single payment to multiple receivers Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on

26. THE ACTORS PayPal The Sender A person or business whose PayPal account is being credited A person or business whose PayPal account is being debited C The Receiver The API CALLER The API access account who makes the Adaptive Payments service calls: may be the sender, one of the receivers, or a third party

27. SEND MONEY Basic building block allows for the transfer of money from one entity to another

29. Allows an API caller to make payments on behalf of a sender within the constraints specified

30. PIN optional for future payments made within the authorized amountC Pre Approval

32. Future interactions with each transaction can be separate

33. Enable partnership opportunities₤10 ₤100 ₤40 Sender Visibility ₤50

36. COMBINE AND C Pre Approval

37. COMBINE X Primary

38. COMBINE Primary AND

40. Implicit send money

41. Pre-approved payments (with PIN)

42. Parallel split payments

47. You can design a payment solution using Adaptive Payments.Primary

50. You can design a payment solution using Adaptive Payments.OR Primary

52. You can design a payment solution using Adaptive Payments.Primary

55. ArchosAndroidappstore 20/09/2010 25 Primary Preapproval

56. Sample App/code def rent @book = Book.find(params[:id]) # make a pay API call # setup headers headers = { "X-PAYPAL-REQUEST-DATA-FORMAT" => "NV", "X-PAYPAL-RESPONSE-DATA-FORMAT" => "NV", "X-PAYPAL-SECURITY-USERID" => "ppalav_1260515409_biz_api1.yahoo.com", "X-PAYPAL-SECURITY-PASSWORD" => "1260515414", "X-PAYPAL-SECURITY-SIGNATURE" => "AKLVEVTVnHqz94AZw7FtIDv3MLW4Ar2aWwl8McMd.pAzlu.yuMNbwmLx", "X-PAYPAL-APPLICATION-ID" => "APP-80W284485P519543T", 'Content-Type' => 'application/x-www-form-urlencoded' } post_data = { 'receiverList.receiver[0].amount' => @book.price, 'receiverList.receiver[0].email' => 'pd_1265515509_biz@yahoo.com', 'cancelUrl' => 'http://localhost:3000/book/list?PaymentCancel', 'returnUrl' => 'http://localhost:3000/book/list?PaymentSuccess', 'actionType' => 'PAY', 'currencyCode' => 'USD', 'memo' => 'Renting+book+' + @book.title, 'requestEnvelope.errorLanguage' => 'en_US' } url = URI.parse("https://svcs.sandbox.paypal.com/AdaptivePayments/Pay") http = Net::HTTP.new(url.host, 443) http.use_ssl = true data = "” post_data.collect { |k, v| data += "#{k.to_s}=#{v.to_s}&" } resp, data = http.post(url.path, data, headers) resp_params = CGI.parse(data) payKey = resp_params['payKey'][0] # redirect to PayPal authZUrl = "https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_ap-payment&paykey=" + payKey redirect_toauthZUrl end

57. PayPal for mobile Integration Options Mobile Payment Library (in-app) Completely in-application payments Include the Library in your code Library contains all UI screens and communication with PayPal APIs Android OS 1.5 and above iPhone and iPad Mobile Express Checkout (Beta) Mobile Browser based checkout (WebKit) For mobile browser optimised sites or launch browser from app Uses Existing Express Checkout APIs with User Agent Detection Guest Checkout (Coming Soon) Android OS 2.0 and above iPhone 20/09/2010 27

58. PayPal for Android - MPL Mobile Payments Library – In-App 20/09/2010 28

59. PayPal for iphone - MPL Mobile Payments Library – In-App 20/09/2010 29

60. PayPal for Android - MEC Mobile Express Checkout - WebKit 20/09/2010 30

61. PayPal for iphone - MEC Mobile Express Checkout – Mobile Safari 20/09/2010 31

62. Photoservice mobile app 20/09/2010 32

64. Your application payment flow

65. Who all the players (senders and receivers) are in the payment flow Contact Developer Technical Services (DTS) if you have any technical MPL questions via www.paypal.com/dts

66. THANK YOU !