PayPal问题多多

在使用paypal越来越深入时,我和同事们发现了paypal存在着很多问题,有些问题还算是低级错误,所以给我们的感觉是paypal对business用户(特别是美国以外的business用户)照顾得不周到。可能paypal名声在外,原来在我心目中是一个非常好用的payment solution,期望值高了,失望也大。平心而论,这些问题还不是nightmaire,如果发生在其他的payment service provider,我也不会有那么大感慨。

目前我碰到的最大的问题是:paypal download history下载来的交易记录不能直接拿来做帐用,我专门写了个转化程序,用于正规化交易记录。从paypal download history中,可以下载到好几种交易记录,我主要关心两种:all activities和balance affecting payment。前者确实包含了所有的交易活动,但后者包含了一些不影响余额的交易。

说到余额,记录中balance那一栏只能参考,很多时候它并不是真正的余额,搞得bookkeeper很头痛,这也是我写转化程序的直接动机。迄今为止,我遇到14种交易类型(type):

  1. eBay Payment Sent
  2. Payment Received  (仅用于money request)
  3. Pre-approved Payment Sent (paypal月费)
  4. Refund
  5. Shopping Cart Item (paypal cart模式,excluding VAT)
  6. Shopping Cart Payment Received (paypal cart模式,including VAT)
  7. Temporary Hold (dispute时,paypal暂扣款)
  8. Update to eCheque Received
  9. Update to Payment Received (虚拟终端模式,accept transaction)
  10. Update to Reversal (dispute结束后,paypal释放暂扣款)
  11. Virtual Terminal Transaction
  12. Web Accept Payment Received
  13. Web Accept Payment Sent
  14. Withdraw Funds to a Bank Account

通过对比all activities交易记录和balance affecting payment交易记录,以下三种记录包含在all activities里,但被balance affecting payment剔除:

  1. Virtual Terminal Transaction with Status “Pending”
  2. Virtual Terminal Transaction with Status “Refused” (若accept transaction,会有两条记录,type分别为Virtual Terminal Transaction 和 Update to Payment Received;若refuse transaction, 只有一条记录,type仍是Virtual Terminal Transaction,只是Status为Refused)
  3. Web Accept Payment Received if payment by eCheque (upon being paid, not cleared)

但实际上,仅剔除以上三种记录远远不够。比如:

Shopping Cart Item 是 Shopping Cart Payment Received 同笔交易,excluding VAT的记录不应该和including VAT的记录同时进入数据表;

Virtual Terminal Transaction 如果有accept transaction,就会有Update to Payment Received,同笔交易决不该有两条记录affacting balance。

正因为paypal 对balance affecting 逻辑不清,balance那一栏的数据就很乱套。光看paypal net 和 balance那两栏,很多人会认为上一条记录的balance 加当前记录的net 应该等于当前的balance,但paypal balance不是这么算的,谁也不知道paypal的逻辑,搞得bookkeeper说paypal有时会就一笔交易重复收费。

事实上,说paypal重复收费也冤枉了paypal。我转化程序的验证balance和paypal的最终余额还是完全吻合的。只能怪paypal提供的原始记录没有逻辑。

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