NAYA + PayPal Integration
NAYA's PayPal integration automates reconciliation for the world's most widely used payment platform. From consumer payments to mass payouts to seller protection disputes, NAYA matches every PayPal transaction to your bank deposits and general ledger.
Integration Benefits
Transaction-Level Reconciliation
Match every PayPal transaction—sales, refunds, chargebacks, and fees—against your bank deposits. NAYA handles PayPal's complex fee structures and currency conversions automatically.
Mass Payout Tracking
For businesses using PayPal Payouts for commissions, affiliate payments, or vendor disbursements, NAYA tracks each payout individually and reconciles against batch totals.
Dispute and Chargeback Management
PayPal disputes and seller protection claims are tracked from initiation through resolution. Know the financial impact of open cases and see resolved outcomes reflected in reconciliation.
Multi-Currency Support
PayPal transactions in 25+ currencies are normalized and converted. Track original currency amounts, conversion rates, and realized FX gains/losses for accurate reporting.
PayPal Commerce Platform Support
For marketplace businesses on PayPal Commerce Platform, NAYA reconciles platform fees, seller payouts, and partner commissions across complex multi-party payment flows.
How to Connect
Generate PayPal API Credentials
Create REST API credentials in your PayPal Developer Dashboard. NAYA requires a Client ID and Secret with permissions to access transaction history and reporting APIs.
Configure Webhook Notifications
Set up PayPal webhooks to notify NAYA of real-time events: payments, refunds, disputes, and payouts. This enables instant reconciliation as transactions occur.
Map Account Structure
Configure how PayPal accounts and currencies map to your chart of accounts. Define GL codes for PayPal fees, holds, and different transaction types.
Connect Bank Accounts
Link the bank accounts where PayPal deposits funds. NAYA matches PayPal settlement reports to actual bank credits, handling timing differences automatically.
Validate Historical Data
Import historical PayPal transactions to establish baselines and verify reconciliation accuracy. Resolve any existing discrepancies before going live.
PayPal Reconciliation: Automating the World's Payment Platform
PayPal processes over $1 trillion in payment volume annually, serving millions of businesses worldwide. From small merchants to enterprise platforms, PayPal's ubiquity makes it essential for many businesses—but reconciling PayPal transactions against bank deposits and the general ledger remains a manual challenge.
NAYA's PayPal integration brings automation to this complexity. Every transaction, fee, and settlement flows into your reconciliation workflow automatically, matched against bank deposits and posted to your general ledger.
The PayPal Reconciliation Challenge
PayPal's breadth of features creates reconciliation complexity:
- Net settlements that bundle transactions and deduct fees before deposit
- Multiple fee types: transaction fees, currency conversion, chargeback fees
- Dispute holds that temporarily reduce available balance
- Mass payouts batching hundreds of individual payments
- Multi-currency transactions with PayPal's own FX rates
Manual reconciliation means downloading PayPal reports, matching to bank statements, and calculating fee breakdowns in spreadsheets—a process that doesn't scale.
How NAYA Automates PayPal Reconciliation
NAYA transforms PayPal reconciliation through continuous automation:
Real-Time Transaction Sync
Webhooks capture PayPal events as they happen—payments, refunds, disputes, and payouts. Your cash position reflects reality in real-time rather than waiting for daily settlement reports.
Intelligent Settlement Matching
When PayPal deposits funds to your bank, NAYA matches the deposit to individual transactions. Fees are extracted, holds accounted for, and the net amount reconciled. Learn more about payment gateways and how they process settlements.
Fee Validation
PayPal's fee structure varies by transaction type, volume tier, and currency. NAYA validates every fee against expected rates and flags variances that exceed defined thresholds.
Dispute Lifecycle Tracking
PayPal disputes—buyer claims, chargebacks, and seller protection cases—are tracked through resolution. Provisional credits and final outcomes are reflected accurately in your financial records.
Multi-Currency Handling
For international sellers, PayPal transactions span multiple currencies:
- Track original transaction currency and converted amounts
- Capture PayPal's FX rates at point of conversion
- Calculate realized FX gains and losses
- Reconcile multi-currency balances to bank deposits
Mass Payouts and Disbursements
Businesses using PayPal for affiliate payments, seller disbursements, or employee reimbursements benefit from automated payout reconciliation:
- Track individual payouts within batch totals
- Match payout requests to actual bank debits
- Handle failed payouts and returned funds
- Reconcile across multiple payout currencies
Ready to automate your PayPal reconciliation? Learn more about NAYA's approach to reconciliation and see how we help businesses scale their payment operations.
FAQ
How does NAYA connect to PayPal?
NAYA connects via PayPal's REST APIs and webhooks. API calls retrieve transaction history and settlement reports, while webhooks provide real-time notifications for payments, refunds, and disputes.
What PayPal data does NAYA sync?
NAYA syncs all transaction types: sales, refunds, chargebacks, authorizations, captures, disputes, mass payouts, and associated fees. Settlement reports are matched against bank deposits.
How does the integration handle PayPal fees?
PayPal's transaction fees, currency conversion fees, and chargeback fees are extracted and categorized. NAYA validates fees against expected rates and flags unexpected variances.
Can NAYA reconcile PayPal business accounts and personal accounts?
NAYA is designed for PayPal Business accounts which provide API access and detailed reporting. Personal accounts have limited API capabilities and are not supported for automated reconciliation.
How are PayPal disputes and claims handled?
Disputes are tracked as they move through PayPal's resolution process. Provisional credits, final resolutions, and seller protection outcomes are all captured and reflected in reconciliation.