To comply with the Stored Credential Transactions framework, Zuora includes support for stored credential transactions for specific payment methods and payment gateways.
Zuora supports stored credential transactions for credit card payment methods only.
Currently, the following gateway integrations in Zuora support stored credential transactions. Chase Orbital Gateway integration supports both recurring and unscheduled stored credential transactions. The other integrations support only recurring stored credential transactions.
If you use a gateway that is not in the preceding table, Zuora will process payments as usual, but the payments will not comply with the Stored Credential Transaction framework.
Stored credential profiles
Zuora supports the following types of stored credential profiles:
- Recurring profile: Indicates that you have obtained the customer’s consent to initiate future transactions at regular intervals.
- Unscheduled profile: Indicates that you have obtained the customer’s consent to initiate future transactions that do not occur on scheduled or regularly occurring transaction dates. Only one Unscheduled profile is allowed for each payment method. Currently, the Unscheduled profile is only supported in Chase Orbital Gateway integration.
When configuring your Zuora tenant, the goal is 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 profile with the “Unscheduled” type is only supported for Chase Orbital Gateway integration.
- 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.