PayPal’s Advanced Credit and Debit Card Payments

Advanced Credit and Debit Card Payments is a payment solution provided by PayPal that gives your customers another way to pay. They’ll have the option at checkout to either enter their card details directly into your shop’s checkout page or log in and pay with a PayPal or Venmo (for U.S. domestic orders).

Benefits of PayPal’s Advanced Credit and Debit Card Payments:

Seamless checkout experience:
Customers can securely complete their card payment onsite without leaving your store's checkout page.
Customer satisfaction:
Giving customers the option to pay with a card or with a PayPal account offers more flexibility and allows them to pay with their preferred payment method.
Increased sales:
Offering more ways to pay can reduce cart abandonments and increase checkout conversions in your shop.

📢 Advanced Credit and Debit Card Payments is not available in all locations and feature eligibility is subject to PayPal’s approval.

Getting started

When connecting a PayPal Business account to your Big Cartel store, you’ll automatically apply for approval to use this feature. PayPal will notify us afterwards if your application was approved or denied, and we’ll display that status in your admin. If you’re not currently connected to PayPal, follow the “New connections” instructions below. If your shop was connected to PayPal prior to this feature being released, you’ll follow the “Existing connections” instructions to get started.

New connections

Head to the Account area of your Big Cartel admin.
Click Edit your payment options, and click Connect PayPal
Either log into an existing PayPal Business account or create a new one
Follow the onscreen instructions to provide PayPal with information about you and your business
Click “Return to Big Cartel” to complete the connection.
Once you’ve completed PayPal’s onboarding experience you’ll return to Big Cartel where your Advanced Credit and Debit Card application status is displayed.

Existing connections

Head to the Account area of your Big Cartel admin.
Click Edit your payment option and click green Get started within the Advanced Credit and Debit Card section of the page.
Log into your existing PayPal Business account.
Select the option to use your current PayPal Business account to accept Advanced Credit and Debit Card payments.
Follow the onscreen instructions to provide PayPal with additional information about you and your business.
Click “Return to Big Cartel” to complete the connection.
Once you’ve completed PayPal’s onboarding experience you’ll return to Big Cartel where your Advanced Credit and Debit Card application status is displayed.

Heads up! PayPal's Advanced Credit and Debit Card option doesn’t include seller protection, which could put you at risk for chargeback fees. To mitigate this risk, merchants can apply for Chargeback Protection within their PayPal account. Simply navigate to 'Manage Risk and Fraud' in the Payment Preferences section under Account Settings and select Chargeback Protection.
How does Chargeback Protection work? PayPal will help provide risk assessment on all your Advanced Credit and Debit Card transactions, declining any potentially fraudulent payments. If an approved transaction is later identified as fraudulent, it will be protected against chargebacks once the required information is submitted.
More info can be found here.

Application denied status

If you see a message in your Big Cartel admin stating that you weren't approved for PayPal's Advanced Credit and Debit Card Payments feature, no worries. Even if you are not approved to accept card payments via PayPal, your customers can still complete purchases using their PayPal account or PayPal's guest checkout option.

💡Advanced Credit and Debit Card payments is for sellers that solely use PayPal as a checkout option. If you enable Stripe as a checkout method to process card payments, then PayPal’s Advanced Credit and Debit Card processing will not be available.

Next steps if your application is denied

PayPal may deny your application for a variety of reasons, including risk assessment or incomplete/inaccurate application information. Big Cartel will display your application’s status, but we do not have specific details as to why your application was denied and we do not play a role in application assessments for feature eligibility. If your application was denied, you can reapply for the Advanced Credit and Debit Card Payments feature after 90 days. This period allows you time to address any potential issues that led to the denial of your initial application. PayPal should communicate with you directly regarding any account issues and we encourage you to contact their support team if you have any other questions about your application.