Request for comment: Card-only repeat payments without on-site CC capture
Hello all, I've been scouring the PayPal docs at length and have yet to come up with a clear picture of whether this is possible, and if so how to implement it, so I thought I'd come and ask:
1. Customer wants to set up repeat payments
2. customer does not have a paypal account
3. no credit card capture on merchant's site (ie hosted if possible)
The way we used to do this was with a WPP flow (capture card details/agreement on merchant site, do an API call in the background to set it all up, charge as needed)using DoReferenceTransaction). A new requirement is that the functionality meet PCI SAQ-D, which means the CC form must be removed for repeat billing.
I've struggled to come up with a solution for this, and as far as I can see a PayPal account seems to be required for all forms of repeat charging where the merchant does not capture the card details and post to the API. I think this can't be right, so I wonder if someone else could sanity check this for me by answering the following question:
Are there are any PayPal products/flows that offer repeat charging (ie subscriptions, recurring payments, reference transactions) where there is a CC-only form we can use, that is hosted by PayPal?
I'm really stumped here, so I would massively appreciate any thoughts anyone can offer. If there are various alternatives I'd appreciate hearing about any of them. Even confirmation that this is not possible would be helpful.