Mobile Commerce

PayPal’s Latest Buying Experience Upgrade

The Pay With PayPal buying experience – both for merchants and their consumers — has just gotten easier with the rollout of PayPal vaulted payment flow, a Braintree-powered initiative

This upgraded payments experience gives consumers the chance to have more buying options, with fewer clicks, and a more seamless process along the way. This update gives an overhaul to One Touch For Web, along with enhancements to consumer funding source choices, two-factor authentication support and guest checkout. The new features are currently launched in beta mode.

With vaulted payments, Braintree merchants and consumers can get rid of the credential collection, which can particularly help during the mobile commerce experience, PayPal noted in a news release about the Braintree upgrades. Beyond that, the upgrade allows for the buyer to offer multiple payment sources for the purchaser. And finally, the enhancements include functionality to support users who had two-factor authentication support for buyers enabled on their PayPal accounts.

“All these changes make the commerce experience better for merchants and consumers. We focused on key themes like flexibility, choice, and security when releasing this new payment flow,” wrote Dan Wu, Associate Product Manager at Braintree. “What’s more, those who have opted into One Touch on any other site will skip the login step for all merchants integrated with this flow.”

Other features slated for the future of Braintree’s initiatives using Pay with PayPal include options to cancel preapproved payments and the ability to customize preapproved payment description. This includes adding a description of the payment that can be automated for consumers as part of the purchase agreement.

Merchants with Web and mobile Web integrations can enable this new set of features starting today — without any additional code or integration work,” Wu wrote.

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The pressure on banks to modernize their payments capabilities to support initiatives such as ISO 20022 and instant/real time payments has been exacerbated by the emergence of COVID-19 and the compelling need to quickly scale operations due to the rapid growth of contactless payments, and subsequent increase in digitization. Given this new normal, the need for agility and optimization across the payments processing value chain is imperative.