Is there an easy way (API) to find out if a user has a Paypal account or not? Thanks
Yes - check out the GetVerifiedStatus Method in the new PayPal Adaptive Accounts API (https://www.x.com/community/ppx/adaptive_accounts).
Obviously this API access is not allowed for everyone unless there is a valid use case. So please contact the PayPal Technical Support to see if your use case qualifies for this API.
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