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Error Upon Checkout – 10548: This transaction cannot be processed….

Posted: May 17, 2022 at 12:13 pm

Viewing 9 reply threads


DynamicResponse

May 17, 2022 at 12:13 pm

Getting error upon checkout
Paypal says my account looks good

10548: This transaction cannot be processed. The merchant’s account is not able to process transactions.


Joao Victor

  • Support Staff

May 17, 2022 at 1:31 pm

Hi there!

Thanks for contacting our support today.
Assuming you are trying to use the Direct PayPal Payment, you must have a PayPal Business Account with the PayPal Payment Pro enabled. If you already have a business account, check if you added a home/service home to your profile.

Check our documentation to double-check if everything is set up correctly:
https://eventespresso.com/wiki/paypal-pro-payment-gateway/

Let us know if you have any further questions!


DynamicResponse

May 18, 2022 at 12:51 pm

i just got this email back form paypal

errorcode 10548
shortmessage “Invalid Configuration”
longmessage “This transaction cannot be processed. The merchant’s account is not able to process transactions.”
severitycode “Error”

The error you received is related to the fact that during the checkout process you are calling a method that is not allowed for your PayPal configuration, the method is DoDirectPayemnt and allows merchants to take card payment’s detail directly from their web site.

This method is only allowed for customers in UK, US and Canada that enabled Website Payments Pro.
However Pro is not available for new signups, as indicated on the developer documentation page

https://developer.paypal.com/api/nvp-soap/do-direct-payment-soap/

Important: PayPal isn’t accepting new users for this feature, and we require existing users to upgrade to our Advanced Debit and Credit solution that supports EMV 3DS (3DS 2.0) for PSD2. Our Advanced Debit and Credit solution enables highly customizable custom-card fields and reduced PCI Compliance requirements. For more information, see Set up advanced credit and debit card payments.

If you developed your integration on your own then use a different method to charge the payments as DoDirectPayment is not available for your account, while if you are using a third party solution then you need to check with them any available payment module that does not use the DoDirectPayment method.

Eventually you can check with Braintree, a PayPal company, if they have a solution for your country. Here is the Braintree contact page:
https://www.braintreepayments.com/en-ie/contact

Thanks and apologies for the inconveniences,

Please, don’t hesitate to contact us if you have further questions or issues or checkout the MTS forum – https://www.paypal-community.com/t5/Merchant-Technical-Support/ct-p/mts


Tony

  • Support Staff

May 19, 2022 at 5:57 am

Hi there,

The above error means you are using the PayPal Pro payment method within Event Espresso but your PayPal account doesn’t allow for it.

Normally that means you either don’t have WebSite Payment Pro enabled on your PayPal account, or (as the above mentions) your account doesn’t allow for the integration method we use within our integration.

Did you intentionally select PayPal Pro as a payment method within Event Espresso?

I’d recommend using an offsite payment method such as PayPal Express over Pro and this is due to the fact that PayPal Pro is a onsite payment method where your server handles all of the customers card data and then passes it over to PayPal. That means it requires the highest level of PCI Compliance on your part over an offsite payment method like PayPal Express

(Note many users are unaware of this so I’m just checking that you are)


DynamicResponse

May 19, 2022 at 10:36 am

Im pretty sure i am using paypal pro with eventespresso on another client/project without all the pci configuration.
can i not process payments while the customer is on my site anymore?


Tony

  • Support Staff

May 19, 2022 at 10:59 am

Im pretty sure i am using paypal pro with eventespresso on another client/project without all the pci configuration.

Nothing actually stops you from processing payments and not being PCI compliant, but if there is a breach on your site/server and fraudulent card transactions are processed or card data is captured then any investigation will check your compliance and apparently hold you liable for those transactions if your not.

My intention is not to scaremonger but rather inform as a lot of people are simply unaware.

can i not process payments while the customer is on my site anymore?

If you are using a different PayPal account than the ‘working’ one above for this site then it likely does not have access to Website Payments Pro and/or the DoDirectPayment method.

So in short, no, at least based on PayPal’s response above.


DynamicResponse

May 19, 2022 at 11:51 am

so they used to allow this and my previous project is at risk?
i wonder why they are not requiring me to change it?


Tony

  • Support Staff

May 19, 2022 at 12:25 pm

so they used to allow this and my previous project is at risk?

It’s not really about them ‘allowing’ it previously, in short PCI compliance makes sure you are handling card data in a secure and protected way. Everyone who handles any form of card data needs some form of compliance but it depends on how much data you have access to and ‘where’/’what’ has access to it which determines the level of compliance you need.

PayPal will have their own compliance levels they maintain and your PCI compliance isn’t their responsibility, it’s yours. So theres nothing really changed from PayPals perspective here in terms of PCI, the difference now is they dont allow new signups to Website Payments Pro so can’t use our Paypal Pro payment method.

i wonder why they are not requiring me to change it?

The short answer, as harsh as it may sound, is they dont care. Its not on them for you to comply, it is on you.

If something happened which caused an investigation then Paypal’s reply would be along the lines of “it wasn’t our servers that have been compromised, it was yours which we have no control over”.

I’m guessing here as I’ve never had it happen to me but if you Google around you’ll find similar stories. PCI compliance is on you and in my opinion your better using a payment method which requires the lowest level of responsibility to avoid the above as much as possible.


DynamicResponse

May 19, 2022 at 2:41 pm

thank you


Tony

  • Support Staff

May 19, 2022 at 8:48 pm

You’re most welcome 🙂

Event Espresso has the PayPal Express payment method build into it which is available for all PayPal accounts:

https://eventespresso.com/wiki/paypal-express-payment-gateway/#locate

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