PayPal transaction description

Question

PayPal

Good afternoon.

The customer pays for the goods via PayPal. The PayPal statement contains almost all the information on this transaction, but we need the client to confirm that he not only has access to the PayPal statement, but also to the statement of his client bank. Is there something in the client-bank statement in the transaction description that is not in the PayPal statement, but that PayPal tells us after payment (or do we somehow transfer something to it so that it appears in the client's statement in his client? -bank, but not in PayPal)?

Our task is to make an analogue of card verification like that of PayPal, when, after linking a new card, you need to enter a code on the PayPal website that is visible only in the client-bank statement and is not visible in the transaction information in PayPal.

Is it real?

Answer 1

1) The authorization code is generated by the card issuing bank . Dot.
2) PayPal does not rely on auth code. Because the issuing bank may not show the auth code to the client, as rightly noted above. This is technical information that is shown to the client on the client's check during operations on real devices "in reserve", for subsequent disassembly, and in the statement - as lucky.
3) PayPal themselves , when they send a test authorization request, put the 4-digit code generated by PayPal somewhere in the payment details fields (called a la “Merchant Name”, “Merchant City”, etc.).
4) In the statement on the side of the issuing bank, the very short line of the payment description is typed from several fields of the transaction message, and exactly the way the statement is arranged for a particular issuer. Our code should fall into this prefabricated line (if we do it like PayPal). I am glad that different issuers have a common logic, and there is a chance to see their code there (since all interested parties know the exchange formats, assignments and minimum field lengths).
5) Fields are also shamelessly cut along the road between banks and the Ministry of Railways. Those. There is a chance that someone will cut off your code along the way when the field does not fit into the field. But if, for example, the name of the merchant “ROGA AND HOOVES” is replaced with “31337 HORN AND HOOVES”, then the chance of seeing “31337 ROGA AND KO” in the issuer’s statement is high, but how all other parties of the transactional exchange will react to this - it depends, it is necessary to find out and check.
6) And in the end, ask bankir.ru and / or the one who provides you with acquiring services, where and how it would be better to put this N-digit number with a guarantee that it would not be cut nafig in the long way of the transaction, and that everything were satisfied.

Answer 2

Not 100% sure, but I think "Authorization Code" will help you. As far as I can see, there is no such thing in paypal. True, in some banks it is somewhat problematic to obtain this code due to the applied security policy. This code should be on the card statement.