PayPal Open Release Notes

March 24th, 2026 Updates

Accept Payments

• Enterprise In-Person Payments: In-person payments on Verifone terminals are available in Enterprise Payments to eligible U.S. merchants, enabling omnichannel commerce by connecting online and in-store payments on a single platform. Learn more

• Idempotency: Idempotency is now available in Enterprise Payments SDKs, ensuring retries of the same payment request return the original result and prevent duplicate transactions.

• Payment Account Reference (PAR): PAR is now available in Enterprise Payments, providing a consistent account identifier across card and wallet transactions to support routing, fraud screening, and customer support.

• American Express Authorization Adjustment: Authorization adjustments are now supported for American Express transactions in Enterprise Payments, allowing merchants to reduce a previously authorized amount before settlement and align the authorization with the final sale amount. Read the dev doc

• Swish: Swish, a local real-time bank transfer method in Sweden, is now supported in Enterprise Payments, enabling merchants to accept Swish payments. Read the dev doc

Move Money

• Real-Time Bank Payouts: Enterprise Payouts now supports real-time payouts to U.S. bank accounts, reducing the traditional 2-3 day bank transfer delay.

• Direct Debit Return Reason Visibility: Direct debit return reasons are now available via webhooks and the GET API in Enterprise Payouts, enabling clearer visibility into returned debit transactions.

• Automated Post-Funded FX Settlement: Post-funded payouts with and without FX conversion are now supported in Enterprise Payouts, automating settlement for post-funded disbursement flows.

• Self-Managed API Credentials: Merchants can now manage their own REST API credentials within the Enterprise Payouts Control Panel, including configuring access permissions and allowed IP addresses. Read the dev doc

Optimize Payments

• Real-Time Revenue Recovery: Enterprise Payments has partnered with FlexFactor, enabling real-time AI-powered retries to recover revenue from declined transactions. Learn more

Manage Risk

• Dispute Automation (Visa RDR and CE 3.0): Dispute Automation now supports Visa Rapid Dispute Resolution (RDR) and Compelling Evidence 3.0 (CE 3.0), enabling earlier dispute handling and stronger fraud evidence using prior transaction data.

• Event-Based Billing: Fraud Protection now supports event-based (“per inquiry”) billing for eligible U.S. merchants, charging only for transactions evaluated by Fraud Protection, rather than all settled transactions.

November 13th, 2025 Updates

PayPal and dLocal Partnership:

• Access payment processing, and local and alternative payment methods, in over 40 new emerging markets across Latin America, EMEA, and APAC. Our expanded partnership makes it easy for merchants to connect with local customers and suppliers by accepting domestic cards and payment methods without needing to establish local entities or pay cross-border fees. Learn More

Optimization Tools:

• Our smart optimization tools are integrated across the payment lifecycle to help resolve transaction issues in real time and improve processing performance:

• Network Tokens: Replace sensitive credit card information with secure tokens that are specific to each merchant and transaction, helping to improve payment success rates and reduce fraud risks.

• Real-Time Account Updater: Automatically refresh stored card information during a transaction to prevent lifecycle declines.

• Smart Retries: Intelligently retry failed transactions in real time to complete transactions and capture revenue that might otherwise be lost. Learn More

Fast Payouts:

• Send funds to recipients worldwide in near-real time, with payments arriving in moments rather than hours or days. Built on modern payment rails, services operate 24/7/365 to help businesses move money faster and reduce payout costs. Learn More

Chargeback Protection:

• Assess transactions in real time, approving or declining payments based on risk signals to help prevent fraud before it happens. For eligible Fraud or Item Not Received disputes, PayPal will waive dispute fees up to a defined loss cap (a percentage of monthly total payment volume), provided the required evidence is submitted. Learn More