Providing Full Featured Payments (API) at Scale!

by Praveen Alavilli @ Apistrat NYC (Feb. 2013)

Transcript

1. PROVIDING FULL FEATURED PAYMENTS (API) AT SCALE! Praveen Alavilli @ppalavilli API Architect
2. WHERE IT BEGUN •  1998 •  Beam money •  1999 •  Email payments •  2000 •  Auction payments •  2002 •  Acquired by eBay
3. SINCE THEN … API API API … … … •  PayPal Buttons •  Express Checkout •  Direct Payment •  Payflow Gateway •  MassPay •  Mobile Checkout •  Adaptive Payments •  Carrier Billing •  BillMeLater •  Invoicing
4. ENABLING CAPABILITIES •  Multiple Payment Models •  Simple Payments •  Chained & Parallel Payments •  Subscriptions •  Pre-approvals •  Marketplace Payments •  Mass Payments •  Installments •  Different Settlement Activities •  Refunds/Non-Referenced Credits •  P2P/C2B/B2B/B2C/…. •  Non-Profit/For-Profit/Fund Raising •  Physical/Digital Goods & Services •  Connected devices
5. DIFFERENT METHODS TO INTEGRATE •  HTML Buttons •  API •  SOAP, json-rpc, nvp-rpc •  Batch APIs •  Instant Payment Notifications •  Native Mobile Libraries •  PCI compliant solutions •  Shopping carts
6. REALITY IS… Client Apps Backend Web Apps Client APIs Web APIs Async APIs Batch APIs SOAP APIs PayPal Platform Hosted Solutions Mobile Apps Shopping Carts Other Platforms
7. SCALE IT FOR •  190 Markets •  25 currencies •  123 million active users •  81 localized web sites
8. LAST HOLIDAY SEASON $5,217 TPV / sec 7.5 million payments / day 2012: •  $145 billion in TPV •  $97 billion through merchant services •  $14 billion in mobile payment volume •  0.28 % loss rate •  https://www.paypal-media.com/about
9. THE NOT SO SEXY SIDE •  PCI DSS •  Network, Storage, Systems, Access, Policies and Monitoring •  Regulatory Obligations & Card Association rules •  AML •  Aggregation •  Country specific policies
10. A FEW TIPS… •  “Integration” is the primary •  an awesome API makes “integration” a breeze •  “Consistency” is very important •  Don’t try to “educate” your developers - let them “explore” •  Use “open” web standards •  API and Product
11. THANK YOU! @ppalavilli