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Support for stored credential transactions overview

Zuora

Support for stored credential transactions overview

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To comply with the Stored Credential Transactions framework, certain configurations are required in your Zuora tenant. The configuration includes the following categories:

Payment methods

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. 

Payment gateways

Currently, the following gateway integrations in Zuora support stored credential transactions:

Payment gateway Visa Mastercard Discover American Express JCB Diners Club
Adyen Integration v2.0 File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png        
BlueSnap Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png    
Braintree Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Chase Paymentech Orbital Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
checkout.com Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
CyberSource, Payment API v2.0 Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
First Data Payeezy Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Ingenico ePayments Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Merchant e-Solutions Payment Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Stripe v2 Payment Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png   File:Z_Media/checkmarkGreen_xsm.png    
Vantiv (Now Worldpay) Payment Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Vantiv Payment Gateway, API v8.10 File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png      
Worldpay 1.4 Payment Gateway File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png File:Z_Media/checkmarkGreen_xsm.png

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.

Limitations

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:

Related articles 

For general information about Visa's Stored Credential Transaction framework, see Visa's guidance for merchants.