text: """Settings for Paypal gateway
  
  **Required Settings:**
   * *BUSINESS* -- Seller's email address
  
  **Required Settings when ENCRYPT set to True:***
   * *PUBLIC_KEY* -- Path to seller's public key file
   * *PRIVATE_KEY* -- Path to seller's private key file
   * *PUBLIC_CERT_ID* -- Public Cert Id provided by Paypal to public/private pair
  
  **Optional Settings:**
   * *CURRENCY_CODE* -- Currency for transactions. [default: USD] 
   * *RETURN_ADDRESS* -- Return URL user is sent after a successful transaction.
              [default: None (uses acct default)] 
   * *LOCALE* -- Seller's Locale. [default: US]
   * *REATTEMPT* -- Re-attempt a failed recurring payment. [default: True]
   * *ENCRYPT* -- Encrypt generated button code. [default: False]
   * *IPN_URL* -- URL to send IPN messages. [default: None (uses acct defaults)]
  
  """
  SETTINGS = { 
      "CURRENCY_CODE" : "USD",
      "RETURN_ADDRESS" : None,
      "LOCALE" : "US",
      "REATTEMPT" : True,
      "ENCRYPT" : False,
      "IPN_URL" : "",
      "API_VERSION" : "76.0",
      }
  