PayPal开发文档整理（10）——Payouts Overview

原文地址：https://developer.paypal.com/docs/payouts/

Payouts——给他人汇款

Payouts Overview

Use PayPal Payouts to send money to multiple people at the same time

用PayPal同时给多人汇款

To send a payout, you need:

要（向别人）支付，你需要:

• A PayPal business account 

PayPal商业账户

• Each recipient's email address, a domestic mobile number, or payer ID (an encrypted PayPal account number)

——每个收件人的电子邮件地址，一个国内手机号码，或付款人的ID(一个加密的PayPal账号)

• Payment amount (per recipient)

支付金额(每名收款人)

• Currency code (one currency per payout)

货币代码(每次支付一种货币)

• Note to recipient (required for Venmo accounts, optional for PayPal accounts)

收件人须知(Venmo账户必需，PayPal账户可选)

Recipients can receive their funds with a PayPal or Venmo account. If they don't have a PayPal or Venmo account, it's easy to open one. Venmo is for US recipients only.

接收人可以通过PayPal或Venmo账户接收资金。如果他们没有PayPal或Venmo账户，打开一个也很容易。Venmo 仅适用于美国收件人。

You need a PayPal business account set up according to the prerequisites to use payouts.

你需要一个PayPal业务帐户，根据先决条件设置使用支付。

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Payouts flow——支付流程

PayPal Payouts follows this flow:

PayPal支付遵循这一流程:

1. The Payouts flow begins when you initiate a payout request.
2. The Payouts API validates your request and processes the payout.
3. Payouts sends you a status report.
4. Payouts notifies the recipient that a payment is available. The recipient logs in to their PayPal or Venmo account, or creates a PayPal or Venmo account, to claim their money.

翻译：

1. 当您发起支付请求时，支付流开始。
2. 支付API验证您的请求并处理支付。
3. Payouts会向您发送状态报告。
4. Payouts通知接收者有可用的支付。接收人登录他们的PayPal或Venmo账户，或创建一个PayPal或Venmo账户，以取回他们的钱。

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Recipient notifications——收件人通知

If a recipient has a PayPal or Venmo account, an email or mobile notification will prompt them to log in to their account to get payment details. If they don't have a PayPal or Venmo account, an email or mobile notification will prompt them to open a PayPal or Venmo account to claim their money.

如果收件人拥有PayPal或Venmo账户，一封电子邮件或手机通知会提示他们登录自己的账户以获取支付细节。如果他们没有PayPal或Venmo账户，一封电子邮件或手机通知会提示他们打开一个PayPal或Venmo账户来认领他们的钱。

Note: Venmo notifications require a US mobile number and are mobile only.

注意:Venmo通知需要一个美国手机号码，并且只能是手机。

This flow shows the experience for PayPal recipients:

这个流程展示了PayPal接收者体验:

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Payouts features——支付功能

PayPal Payouts is global, secure, flexible, and easy for recipients. Payouts includes these features:

PayPal Payouts是全球性的，安全的，灵活的，对接收者来说很容易。Payouts包括这些特点:

• Currency conversion — Send payments in another currency even if you don't maintain a balance in that currency.

货币转换 — 即使你没有另一种货币的余额，也要用那种货币支付。

• Detailed records — Your complete payout history is available online, and you'll receive a notification when your payments are sent. You can download transaction details into your accounting tools.

详细记录-你完整的支付历史可以在网上找到，当你的付款被发送时，你会收到一个通知。您可以下载交易细节到您的统计工具。

• Easy for recipients — Receiving a payout is as easy as opening an email or mobile notification.

对于收款人来说——收到一笔费用就像打开电子邮件或手机通知一样简单。

• Flexible integration —Upload a file to Payouts Web or SFTP server, or integrate deeper with the Payouts API.

灵活的集成-上传一个文件到Payouts  Web或SFTP服务器，或与支付API更深入地集成。

• Global reach — Payouts works in over 180 countries and complies with KYC regulations.

全球影响力 — Payouts 在180多个国家有效，并符合KYC规定。

• Reduced risk — PayPal's risk and compliance controls help protect you from fraud.

降低风险 — PayPal的风险和合规控制有助于保护您免受欺诈

• Use customers' preferred digital wallets — Send payments to PayPal or Venmo recipients.

使用客户喜欢的数字钱包——向PayPal 或Venmo接收者发送付款。

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Send payouts

You can send payouts to:

您可以发送付款到:

• PayPal recipients — Use the recipient's email address, domestic mobile number, or payer ID (an encrypted PayPal account number).

PayPal收款人-使用收款人的电子邮件地址，国内移动电话号码，或付款人的ID(一个加密的PayPal账号)。

• Venmo recipients — Use the recipient's domestic (US only) mobile number.

Venmo收款人-使用收款人的国内(仅限美国)手机号码。

Use an email or mobile number——使用电子邮件或手机号码

This method is the simplest to integrate. It works with PayPal and Venmo, but doesn't guarantee payment, reconciliation, or settlement.

这种方法是最简单的积分方法。它与PayPal和Venmo合作，但不保证支付、对账或结算。

To send the payout, use each recipient's email address or domestic mobile number. Payouts to Venmo require the recipient's mobile number. PayPal sends the money to their PayPal or Venmo wallet.

发送支付，使用每个收款人的电子邮件地址或国内移动电话号码。向Venmo支付款项时，需要接收者的手机号码。PayPal把钱寄到他们的PayPal或Venmo钱包里。

Recipients who don't have a PayPal or Venmo account can open an account and claim the money. Unclaimed funds are returned to you after 30 days.

没有PayPal或Venmo账户的收款人可以开一个账户并取回这笔钱。无人认领的款项将在30天后返还给您。

Use a payer ID——使用一个付款人ID

This method guarantees payments, reconciliation, and settlement, but works with PayPal only.

这种方法保证付款、对账和结算，但只适用于PayPal 。

To send the payout, use each recipient's payer ID. If you don't already have a recipient's payer ID, the recipient can follow a PayPal flow to verify their account. When they complete the flow, PayPal sends you their payer ID. Use Assisted Account Creation to access their Payer ID.

要发送支付，使用每个收件人的付款人ID。如果你还没有收件人的付款人ID，收件人可以通过PayPal来验证他们的账户。当他们完成流程后，PayPal会将他们的付款人ID发送给你。使用辅助创建账户来访问他们的付款人ID。

Barring compliance or fraud issues, this method guarantees payouts, so you don't have to deal with returned payments.

除非合规或欺诈问题,这种方法保证支付,所以你不必处理返回支付。

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Integration methods——集成方法

PayPal offers three ways to integrate payouts to ensure you get the right solution for your business.

PayPal提供了三种方式来整合支付，以确保您的业务得到正确的解决方案。

SFTP server——SFTP服务器

If you are sending large payments, PayPal recommends using the secure FTP server to send the payout details. PayPal processes the payouts in batches.

如果你要支付大笔款项，PayPal 建议使用安全的FTP服务器发送支付细节。PayPal会分批处理这些支付。

Payouts API

Send payouts programmatically from within your app.

通过程序从你的应用程序中发送支付。

Payouts Web

Upload a CSV file with your payment details to Payouts Web. No integration is needed.

上传一个CSV文件与您的付款细节到支付网站。不需要整合。

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Use cases——用例

Business	Use Case
Advertising and affiliates 广告和附属机构	Pay global affiliates without manually verifying their identities. Maintain customer analytics 无需手动验证其身份，即可向全球子公司支付费用。维护客户分析 支付游戏奖金
Digital gaming 数字游戏	Pay in-game winnings 支付游戏奖金
Insurance 保险	Process and send payouts for claims 处理并发送索赔费用
Loyalty programs 忠诚计划	Send earnings to customers through their preferred digital wallet 通过客户喜欢的数字钱包将收益发送给他们
Online travel 在线旅游	Pay event organizers, ticketing platforms, and create travel marketplaces 向活动组织者、票务平台付费，并创建旅游市场
Retail and marketplaces 零售和市场	Manage payments from shoppers and pay sellers on their platform 在他们的平台上管理购物者和支付卖家的付款

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Next

Complete the prerequisites.

完成先决条件