I am a bit confused on this, but will give a nice full answer.

The answer depends on which API or product you are using.

PayPal Standard
If you are using a "Subscribe" button, by default, customers cannot checkout using guest checkout. They have to use or create a PayPal account to checkout. If you add-on the product Enhanced Recurring Payments, then customers can check out without creating a PayPal account, but the subscription will still work as normal.

There is not a way to disable the guest checkout on a per-transaction basis with Standard for non-recurring payments. It is account based.

Express Checkout
If you are using the Express Checkout module, you can disable guest checkout on a per-transaction basis by passing the NVP: SOLUTIONTYPE=MARK. However, for a "Recurring Payment" situation, you would be using a "Billing Agreement" or using the RecurringPayments call, both of which disable Guest Checkout similar to PayPal Standard.

Answer from PayPal_MSI_Robert on Stack Overflow
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PayPal Community
paypal-community.com › t5 › Refunds-and-cancellations › WANT-TO-CANCEL-PAYMENT-AS-A-GUEST-ON-PAYPAL › td-p › 653226
WANT TO CANCEL PAYMENT AS A GUEST ON PAYPAL - PayPal Community
You can still open a dispute as a guest payer but you need to contact customer services and they will do it for you. Advice is voluntary. Kudos / Solution appreciated. ... It happens. Hit the "Login to Ask the community" button to create a question for the PayPal community.
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PayPal Community
paypal-community.com › t5 › Transactions-Archives › How-to-cancel-Automatic-Payment-with-guest-account › m-p › 2944652 › highlight › true
How to cancel Automatic Payment with guest account... - PayPal Community
I hope the following information is helpful. Since transactions completed via Guest Checkout don't appear in a customer's regular PayPal account and since it's not possible for a customer to log on to a Guest Account, you will need to contact Customer Service to have the subscription canceled.
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PayPal
paypal.com › us › cshelp › article › i-want-my-money-back-can-i-cancel-a-payment-help106
I want my money back. Can I cancel a payment? | PayPal US
Canceling a completed payment immediately is generally not an option because the other party already has the money. Some charges may appear unfamiliar but are legitimate and authorized.
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PayPal
paypal.com › us › cshelp › article › what-is-an-automatic-payment-and-how-do-i-update-or-cancel-one-help240
Automatic Payment | Update Recurring Payments | PayPal US
Select Subscriptions and saved businesses or Automatic Payments. Select the merchant. On this page, you can cancel the automatic payment and change the backup payment method.
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PayPal Community
paypal-community.com › t5 › Transactions › I-think-I-have-done-recurring-payment-with-PayPal-guest-account › m-p › 3092457 › highlight › true
Re: I think I have done recurring payment with Pay... - PayPal Community
As the recurring payment set up was processed through PayPal Guest check out, please try to contact the merchant first in order to get it canceled and the contact options to reach the merchant can be found in the payment confirmation email you have received from PayPal.
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Reddit
reddit.com › r/paypal › registered for a membership as a guest on paypal and want to cancel
r/paypal on Reddit: Registered for a membership as a guest on PayPal and want to cancel
March 1, 2023 -

As I checked out as a guest, I do not have an account. Does anyone know how I can cancel this recurring payment? I have contacted the merchant today and waiting for response but just looking for all options.

Find elsewhere
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Reddit
reddit.com › r/paypal › help canceling a recurring payment on a guest account that i can’t access.
r/paypal on Reddit: Help canceling a recurring payment on a guest account that I can’t access.
June 14, 2020 -

I had subscribed to a discord account a few months ago and paid via PayPal. I was planning for a single payment so I used the guest payment method. The guest payment has been recurring ever since and there’s no way for me to access the guest account to cancel the recurring payments.

I’ve reached out to the Discord owner and he says he’s not able to cancel the payments from his side, which he found kind of odd. He’s refunded me a couple payments along the way and has been very nice.

I just tried to call PP hotline and they told me to message them on their site, which still comes up empty with no response.

I have the Profile ID number from my email receipts so I don’t think it should be this difficult to cancel this thing.

Does anyone have any insight as to how I can stop this from recurring? I’m not looking for any refunds or anything, just to cancel this thing once and for all. Any help would be appreciated.

Thanks!

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Reddit
reddit.com › r/paypal › made a recurring payment as a guest (us) - need to cancel.
r/paypal on Reddit: Made a recurring payment as a guest (US) - need to cancel.
December 25, 2019 -

Hello all,

I am having a bit of an issue with PayPal (United States of America).

I made a recurring payment as a guest and I need to cancel this payment. I put off cancelling this payment for two months because once I realized I paid as a guest, I realized cancellation was going to be a stressful and infuriating process.

I know now I should have made an account before I set up a recurring payment for much easier cancellation. But although it's only a small sum of money per month, I want to go ahead and get this done and over with.

I have reached out to the vendor to see if they can cancel it on their end but they haven't responded. I have tried calling PayPal at their 888 number but can't get a service representative on the line (should I try their 402 number?). I have messaged them on Facebook but they tell me there is nothing they can do about my issue through that platform (besides tell me to contact the vendor).

Do I have to wait for the vendor to get back with me or is there a way PayPal or I can take care of this on my end? I'd prefer not to file a dispute with my bank, as I'm not sure that would be legal and from with I can tell, PayPal would charge me a dispute fee anyway. I'm also concerned that the vendor can stonewall me for as long as they want since they might not want to help me unsubscribe from their service.

Thanks for reading. I know this was a bit on the long side.

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PayPal Community
paypal-community.com › t5 › Transactions › How-do-I-cancel-a-subscription-made-with-a-guest-PayPal-account › td-p › 3101199
How do I cancel a subscription made with a guest P... - PayPal Community
Hence, please contact your card issuer to cancel the subscription. ... Hello @Temp20231006A, Welcome to PayPal Community Forum and thank you for posting! To cancel the services, you will have to contact the merchant directly so that they can help you accordingly.
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Folio3
ecommerce.folio3.com › blog › business and marketing › what is paypal guest checkout and how it is beneficial for seller
What is Paypal Guest Checkout, Paypal Prestashop and Woocommerce
September 4, 2024 - Enabling the PayPal account optional setting · Following are the steps that show how the PayPal account optional setting is enabled: • Log in to the existing or new PayPal account.
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PayPal Community
paypal-community.com › t5 › About-Payments › Cancel-payment-from-a-guest-checkout › td-p › 1329771
Cancel payment from a guest checkout? - PayPal Community
Only information I can find allows you to cancel a pending payment from your PayPal account. ... You can contact the seller and ask if they will cancel the transaction and refund the payment.
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PayPal
paypal.com › us › cshelp › article › why-is-the-payment-i-sent-pending-or-unclaimed-can-i-cancel-it-help111
Why Is My Payment Pending or Unclaimed? | PayPal US
The recipient needs to accept or deny the payment within 30 days. We automatically cancel pending or unclaimed payments after 30 days and send the money back to the original payment method.
Top answer
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18

Purely as a guess: testing that your credentials work, and testing whether you are paying attention. If they know they can get away with this, they can set up a repeated slow drain on your account and you might never notice it.

2 of 4
14

Just an idea. When they get the email + IBAN info, they don't know yet if Paypal is allowed to emit IBAN transfer on your account.

Typically, in France, a company can not emit a transfer without prior explicit consent (which is a minimum security, better than nothing).

They don't care about the money and the good they have ordered. They needed to know if Paypal is allowed to drain your account or not.

How do they know if it worked

They have created an order on a shop that either:

  1. Allow "anonymous" customer, that is, with only an order number, you can check the order status and delivery. In that case, they only need to connect later on to check if the order was canceled.
  2. Allow to create an account with some email and a payment form with another email. In that case, you can ask the shop for the customer informations they have for that order, you'll likely get their email account (but this is likely of low value, temporary email).

How can they gain money

They won't gain money from you. Because you've reverted the transaction, it means that they'll see the order was cancelled. They don't care if it was cancelled because the IBAN account is wrong or because you're monitoring it, this simply mean they can move on to the next user in their list.

If you hadn't reverted the transaction (because you haven't see it), they would have seen the order delivered (and returned or not). This means you are negligent and they can then process further with level 2 scam (see below).

Level 2 scam

Once they know you're negligent, they only need to set up a (dumb) company using Paypal for checkout and selling services. They'll then set up some transactions for this company on your account. Since it goes through Paypal, and not through their company, your bank will accept the SEPA's transfer. They'll simply collect the money directly then.

Please notice that if they directly tried this with their stolen user list, many transfer will be reverted, leading to being banned by Paypal for fraudulent behavior. Doing the first step filtering with a legitimate company moves the "bad" behavior ranking onto it, not their.

What to do now?

Ideally, ask the bank to change your bank account (or open another bank account). If you can't do that, blacklist paypal from your allowed SEPA company, so they won't be able to use Paypal for their actions anymore. If you have other payment processing company allowed on your account, you should blacklist them all (like Stripe, ...). SEPA is made for direct transfer, it's not a tool that can be used by payment processing platform, since you can't identify the source anymore once it's on your account.