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Date: Thu, 30 Jul 2026 16:43:12 +0100
From: sales@expressmusic.co.uk
To: Surinder Singh <surinder@itpartnership.com>
Subject: Re: PayPal Complete Payments
In-Reply-To: <9db094fee44b008ab23a6e7865c443ea@expressmusic.co.uk>
References: <LV0PR06MB11314F2A359C32FB48632190EBC99A@LV0PR06MB11314.namprd06.prod.outlook.com>
 <30a608500dab596500154d11f0562aaa@expressmusic.co.uk> <LV0PR06MB113147696168B68522F24F0DBBC60A@LV0PR06MB11314.namprd06.prod.outlook.com>
 <533de0565c575788da51eb2e440cd1e6@expressmusic.co.uk> <a8838bbbf0f0be623f1d06edf4809c5b@expressmusic.co.uk>
 <2c5e01dc9d07$226357a0$672a06e0$@itpartnership.com> <f76f9864976e849c76d6dd3f852e0679@expressmusic.co.uk>
 <8e54004d835a1ee1f5adc422713dcded@expressmusic.co.uk> <060c01dca66f$a67294e0$f357bea0$@itpartnership.com>
 <ca2e779801c89b5d34835fab0bcf504c@expressmusic.co.uk> <0fdc01dcc8f5$3d8a78a0$b89f69e0$@itpartnership.com>
 <9db094fee44b008ab23a6e7865c443ea@expressmusic.co.uk>
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Hi surinder
Hope all is well
Have you had chance to look at the Paypal Complete Payments
There is a good rate saving for us so its actually costing us quite a 
bit each month until we can get it sorted
Regards
Phil

On 2026-04-10 15:35, sales@expressmusic.co.uk wrote:
> Thanks :)
> 
> On 2026-04-10 15:20, Surinder Singh wrote:
>> Hi Phil,
>> 
>> I've changed to 3pm for Saturdays.
>> 
>> Sorry I still haven't had the chance to look at PayPal Complete
>> Payments. I'm hoping to look closely at this next week.
>> 
>> Kind regards,
>> 
>> Surinder
>> 
>> -----Original Message-----
>> From: sales@expressmusic.co.uk <sales@expressmusic.co.uk>
>> Sent: 08 April 2026 16:43
>> To: Surinder Singh <surinder@itpartnership.com>
>> Subject: Re: PayPal Complete Payments
>> 
>> Hi Surinder
>> 
>> Can you change the stock feed update for Saturdays to 3pm ?
>> 
>> Have you had chance to look at the paypal complete payments yet ....?
>> 
>> Phil
>> Express Music
>> 
>> n 2026-02-25 15:58, Surinder Singh wrote:
>>> Hi Phil,
>>> 
>>> Thank you for the reminder.
>>> 
>>> It's in my list of things to do for this week. I'm very sorry for the
>>> delay.
>>> 
>>> Kind regards,
>>> 
>>> Surinder
>>> 
>>> -----Original Message-----
>>> From: sales@expressmusic.co.uk <sales@expressmusic.co.uk>
>>> Sent: 25 February 2026 14:56
>>> To: Surinder Singh <surinder@itpartnership.com>
>>> Subject: Re: PayPal Complete Payments
>>> 
>>> Hi surinder
>>> Did you have chance to have a look at this yet ......
>>> Phil
>>> :)
>>> 
>>> On 2026-02-13 16:46, sales@expressmusic.co.uk wrote:
>>>> Thanks
>>>> Have a great weekend
>>>> I hear its not raining tomorrow (just for one day)
>>>> :)
>>>> 
>>>> On 2026-02-13 16:38, Surinder Singh wrote:
>>>>> Hi Phil,
>>>>> 
>>>>> I will take a look at this next week and get back to you.
>>>>> 
>>>>> Kind regards,
>>>>> 
>>>>> Surinder
>>>>> 
>>>>> -----Original Message-----
>>>>> From: sales@expressmusic.co.uk <sales@expressmusic.co.uk>
>>>>> Sent: 12 February 2026 16:48
>>>>> To: Surinder <surinder@itpartnership.com>
>>>>> Subject: Fwd: Re: PayPal Complete Payments
>>>>> 
>>>>> Hi Surinder
>>>>> There a new version of paypal payments (paypal complete) which 
>>>>> gives
>>>>> us some more features and better rates Are you able to update for 
>>>>> us
>>>>> ?
>>>>> I think all the info is in the email below Regards Phil
>>>>> 
>>>>> -------- Original Message --------
>>>>> Subject: Fwd: Re: PayPal Complete Payments
>>>>> Date: 2026-02-12 14:55
>>>>>  From: hello@expressmusic.co.uk
>>>>> To: Sales <sales@expressmusic.co.uk>
>>>>> 
>>>>> -------- 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