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Date: Thu, 12 Feb 2026 14:55:56 +0000
From: hello@expressmusic.co.uk
To: Sales <sales@expressmusic.co.uk>
Subject: Fwd: Re: PayPal Complete Payments
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-------- Original Message --------
Subject: Re: PayPal Complete Payments
Date: 2026-02-12 14:45
 From: "Louise Hurley (CW)" <lohurley@paypal.com>
To: "hello@expressmusic.co.uk" <hello@expressmusic.co.uk>


  Hi Phil,

  Thank you for taking the call earlier.

  Just to give you a quick overview of the features of the new upgrade,
it comes with a special rate of 1.2% + 30p on card transactions, 24/7
fraud detection and monitoring tools, free PCI and PSD2 compliance, and
a smoother checkout process for your customers. Alongside your PayPal
wallet payments, you will also have the option for alternative payment
methods, and the option to display messaging for PayPal’s Pay in 3
options letting customers know when this option is available to them, so
they are more likely to make high value purchases at no risk to you.

  As your cart is custom built, I've attached a couple of guides to help
you get this set up.

  Advanced Credit and Debit card -
https://developer.paypal.com/docs/checkout/advanced/ [1]

  Alternative Payment methods -
https://developer.paypal.com/docs/checkout/apm/ [2]

  PayPal's Pay in 3 -
https://developer.paypal.com/docs/checkout/pay-later/gb/integrate/ [3]

  Apple Pay - https://developer.paypal.com/docs/checkout/apm/apple-pay/
[4]

  Google Pay  -
https://developer.paypal.com/docs/checkout/apm/google-pay/ [5]

  YouTube video explaining the differences -
https://www.youtube.com/watch?v=vzirrJUPDAo [6]

  If you do integrate to PayPal Complete Payments using these guides,
please email me once it is complete so I can make sure everything is
working correctly for you. Thank you.

  If you have any questions or concerns, please get in touch and I will
do my best to help you. You can contact me directly via this email
address or you can call us on 0800 031 8061.

  Regards,

  Louise Hurley

  EMEA Business Development Consultant

  Copyright © 1999-2026 PayPal. All rights reserved.
  PayPal (Europe) S.à r.l. et Cie, S.C.A.
  Société en Commandite par Actions
  Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg
  RCS Luxembourg B 118 349

  Deemed authorised and regulated by the Financial Conduct Authority. The
nature and extent of consumer protections may differ from those for
firms based in the UK. Details of the Temporary Permissions Regime,
which allows EEA-based firms to operate in the UK for a limited period
while seeking full authorisation, are available on the Financial Conduct
Authority’s website.

-------------------------

 From: hello@expressmusic.co.uk <hello@expressmusic.co.uk>
Sent: Wednesday, February 11, 2026 11:58 AM
To: Louise Hurley (CW) <lohurley@paypal.com>
Subject: Re: PayPal Complete Payments

This message is from an external sender.

That sounds good, please can you give me a call about this. I'm at the
shop Tuesday to Saturday 11am-5pm.
01926 808982
Phil
Express Music

On 2026-02-05 15:10, Louise Hurley (CW) wrote:
> Hi Philip,
> 
> This is just a quick courtesy Email, I was doing a review of the
> PayPal account and I noticed that you are using PayPal Express our
> legacy option and not the latest PayPal Complete Payments, enabling
> this feature would reduce your card transaction rates to 1.2% + 30p
> instead of the standard 2.9% + 30p that you are currently on, at no
> additional cost to you.
> 
> The latest version of PayPal Complete Payments allows you to accept
> direct debit/credit card payments on your website, without redirecting
> customers to PayPal. The checkout is customizable to display features
> for local and alternative payment methods like Apple pay and Google
> pay at the same 1.2% + 30p transaction rate, which will all settle
> instantly into your PayPal Account.
> 
> You will also have the option to display messaging for Pay in 3,
> letting customers know when this option is available to them, so they
> are more likely to make high value purchases.
> 
> Would there be a suitable day & time that you would be available for a
> very quick call to discuss and enable the above?
> 
> Regards,
> 
> Louise Hurley
> EMEA Business Development Consultant
> 
> Copyright © 1999-2026 PayPal. All rights reserved.
> PayPal (Europe) S.à r.l. et Cie, S.C.A.
> Société en Commandite par Actions
> Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg
> RCS Luxembourg B 118 349
> 
> Deemed authorised and regulated by the Financial Conduct Authority.
> The nature and extent of consumer protections may differ from those
> for firms based in the UK. Details of the Temporary Permissions
> Regime, which allows EEA-based firms to operate in the UK for a
> limited period while seeking full authorisation, are available on the
> Financial Conduct Authority’s website.



Links:
------
[1] https://developer.paypal.com/docs/checkout/advanced/
[2] https://developer.paypal.com/docs/checkout/apm/
[3] https://developer.paypal.com/docs/checkout/pay-later/gb/integrate/
[4] https://developer.paypal.com/docs/checkout/apm/apple-pay/
[5] https://developer.paypal.com/docs/checkout/apm/google-pay/
[6] https://www.youtube.com/watch?v=vzirrJUPDAo