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PayPal

PayPal allows customers to pay using their PayPal balance, linked cards, or bank accounts. Zotlo supports PayPal in both Merchant of Record (MoR) and Connected PSP models, depending on your PSP’s PayPal integration.

This page explains availability rules, activation steps, and how PayPal behaves across different billing models.

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Availability Requirements

PayPal is shown at checkout only when:

  • The customer is in a PayPal-supported region

  • The customer’s PayPal account is eligible for payments

  • PayPal is enabled for the specific checkout or sales interface

Zotlo automatically hides PayPal for unsupported regions or accounts.

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Activation Required

PayPal is not enabled by default.

  1. To activate PayPal for your project, request PayPal activation in the Zotlo Dashboard. Zotlo will configure PayPal for your account and notify you when the setup is complete.

  2. After activation, enable PayPal in the specific sales interface you want to use (embedded checkout or hosted options).

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Note :

  • PayPal will appear only after it has been activated in the Zotlo Dashboard and enabled in the chosen interface.

  • PayPal does not require domain verification, and once activated it can be used across all of your domains.

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PayPal Behavior in MoR

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Merchant of Record (MoR)

  • PayPal processing is handled by Zotlo

  • Availability depends on PayPal’s regional rules

  • No merchant-side integration required

  • Settlement is done through Zotlo under the MoR framework

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Connected PSP

  • PayPal availability depends on whether your PSP supports PayPal

  • Processing and authentication follow your PSP’s rules

  • Funds settle directly to your PSP merchant account

  • Zotlo only manages the checkout flow and subscription logic

Zotlo automatically routes PayPal payments through the model you are using.

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When to Use PayPal

PayPal is ideal when you want to:

  • Increase conversion in regions with high PayPal adoption

  • Offer a trusted alternative to cards

  • Reduce friction for customers who prefer wallet-based payments

  • Support users who do not want to enter card information

PayPal can significantly improve conversion in Europe, the US, and markets where PayPal is a preferred payment method.

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