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Situation: Selling $9.99 subscription service billed monthly. User will be able to pay through the site via credit card or paypal (Paypal Pro). Will use reference ID to automatically charge account every month.

Question regarding Paypal process:

  1. I want to offer users ability to cancels their account through the website's "my account" , how would that work? What user information do I need to store?
  2. If a user cancels their account and then renews, do I need to take them through the "pay with paypal" process again, or can I save their paypal information (similar to saving their credit card information)?
  3. Do I need to display the "merchant initiated payment billing agreement" on my website after sending them back to my site from paypal?
  4. How do I handle "insufficient funds" instances?