Question

Photo of Jonathan Carlson

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Payment Gateway through PayPal Payments Instead of PayFlow

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I talked with PayPal and they said we could set up a PayPal Payments Pro account as a nonprofit rather than a PayFlow Pro account so then they would take care of all the payments rather than having to set up an Internet Merchant Account at a bank.  They said a Payments Pro account includes a PayFlow Pro account with it for free.  Fees for nonprofits are 2.2% + $0.30 per transaction + $30/month for the Payments Pro account + $10/month for the recurring billing with no set up or termination fees.  That's better than what I can get if I set up an Internet Merchant Account with my bank and use PayFlow Pro.  Does anyone know if this wouldn't work for some reason?

I was also wondering if anyone has tried setting up RockRMS with a PayPal Payments Standard account and have the cart process the actual payment on PayPal's website?  It would save us quite a bit of money as we get started with this.  Just wondering if that's a possibility.

  • Photo of Jim Michael

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    Jonathan-

    "They said a Payments Pro account includes a PayFlow Pro account with it for free"

    I'm not expert in payment gateways, but I think that statement is the key. If you have a "Payflow Pro" account (gateway) with credentials, it should work with Rock just fine. Rock is only using Payflow Pro as a gateway... what happens on the back end processing isn't really relevant... at least I don't think it is ;-)

    I'm pretty sure I know someone using Paypal Payments with an existing (not Rock) ChMS that also uses "Payflow Pro" as its gateway and it works fine for them, so I'm betting it works here as well. Sorry I can't be more definitive. If you do go ahead and set this up and it works, I'd love to hear your experience. We're currently a Payflow Pro customer and it sounds like we could benefit from the Paypal Payments NFP stuff.

  • Photo of Thiago Vinhas

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    9 years later, does anyone know if this works?

  • Photo of Jim Michael

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    The PayFlow Pro gateway is being completely removed in the next major version of Rock (it doesn’t meet modern security requirements), so I would avoid it completely. 


  • Photo of Thiago Vinhas

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    Is there any way to process payments with RockRMS using a direct gateway payment instead of paying extra fees to 3rd party processors? 

  • Photo of Jim Michael

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    No, not really. You'd need to basically write your own gateway to avoid those "extra" fees, and that's just not realistic. Processing cards and electronic checks invokes fees, and there's really no way to completely get around that. The only question is now MUCH of a fee you end up paying.

    Is there a reason you can't take advantage of the My Well gateway in Rock? They provide "at cost" processing fees and are definitely the most economical way to process credit and ACH transactions via Rock. 

    You can learn more about that here https://community.rockrms.com/documentation/bookcontent/15/302#nmigateway (note that the NMI gateway is also now being deprecated in favor of My Well's own gateway, which you install via the Rock Shop, but the gist of My Well's story on that page is still valid.)


  • Photo of Jeremy Hoff

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    Thiago - Jim has the full picture laid out, though I suppose you could go with "ACH Only" which may be the most inexpensive option. It, however, may not be what your congregation prefers to use. Mywell's fees overall are about as good as it gets.