To comply with the Stored Credential Transactions framework, certain configurations are required in your Zuora tenant. The configuration includes the following categories:
Zuora supports stored credential transactions for credit card payment methods only. Currently, Zuora supports stored credential transactions in accordance with the Stored Credential Transaction framework from Visa, Mastercard, or Discover.
Currently, the following gateway integrations in Zuora support stored credential transactions:
If you use a gateway not in the preceding table, Zuora will process payments as usual, but the payments will not comply with the Stored Credential Transaction framework of Visa, Mastercard, or Discover.
Stored credential profiles
Zuora supports stored credential profiles with “Recurring” type only. Such a stored credential profile indicates that you have obtained the customer’s consent to initiate future transactions at regular intervals.
When configuring your Zuora tenant, your goal should be to contain an Active stored credential profile for the credit card payment methods created on the preceding gateway instances.
Currently, the following limitations are applicable to the support for stored credential transactions:
- The stored credential profiles with “Unscheduled Credential on File” (UCOF) is not supported yet. Zuora plans to support UCOF transactions at a later date.
- Zuora supports stored credential profiles with the “Recurring” type only.
- The transactions through the credit card payment methods created using the following API operations are not stored credential transactions by default:
For general information about Visa's Stored Credential Transaction framework, see Visa's guidance for merchants.