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Define and Set up Payment Methods


Define and Set up Payment Methods

Payment methods are the ways in which customers pay for their subscription services. A customer can choose a payment method based on your company’s list of preferred payment methods. To set up payment methods for the customer accounts, define the payment methods your company can support in Payments settings, and then set up the payment methods for the customer accounts.

Define payment methods

Navigate to Payment Settings > Payment Method to define payment methods your company supports.

The payment methods you select will appear in a picklist when you set up the billing and payment terms for a customer within the customer account

You can define the following payment methods. For more details about the supported payment methods, see Supported Payment Methods.

Payment Method Payment Method Classification Description
ACH Electronic / External

An Automated Clearing House (ACH) payment is a form of electronic funds transfer (or bank transfer) that provides a secure, efficient method of receiving payments through the ACH Network.

ACH is also called direct debit.

Apple Pay Electronic

Apple Pay is a mobile payment service that allows users to make payments in iOS apps, watchOS apps, and websites on Safari. It provides an easy and secure way for customers to pay because they can make purchases without entering their billing, shipping, and contact details.

Bank Transfer Electronic / External

Bank Transfer is a form of EFT (electronic funds transfers) and a means of collecting payment from a customer by pulling the funds directly from their bank account and transferring it to the merchant's account. It is referred to by different names in different countries, for example, in the United States it may be referred to as ACH and in the United Kingdom it is called UK Direct Debit.

Cash External

Cash is money in the physical form of currency, such as bank notes or coins.

CC Reference Transaction Electronic / External

This is a credit card reference transaction. If you need to re-charge a credit card and you are not storing the credit card information in your local database, you can perform a CC reference transaction. A reference transaction takes the existing credit card information that is on file and reuses it. This method of payment is available if PayPal is used as the payment gateway.

Check External

A check is a negotiable instrument instructing a financial institution to pay a specific amount of a specific currency from a specified demand account held in the maker/depositor's name with that institution.

Credit Card Electronic / External

Purchasers can use credit cards to buy goods based on the card holder’s promise to pay for these goods and services. Only Visa, Mastercard, American Express and Discover cards can be used at this time.

Debit Card Electronic / External

A debit card is also known as a banking card, check card or ATM card. It is used as an alternative to cash when making purchases; the funds for a debit card purchase are withdrawn directly from the bank account. Only Signature (or PIN-less) debit cards that have a Visa or Mastercard logo may be used.

Google Pay Electronic

Google Pay is a digital wallet payment method to support in-app, online, and in-person contactless payments on mobile devices. It enables users to make payments over the web or through Android devices with credit or debit cards stored in their Google account.

PayPal Electronic / External

With PayPal, customers can send payments securely online using a stored value account that is linked to a credit card, Signature (PINless) debit card or bank account.

Wire Transfer External

A wire transfer is a method of transferring money from one person or institution (entity) to another. A wire transfer can be made from one bank account to another bank account or through a transfer of cash at a cash office.

Other External

Use this option for payment methods other than any of the above methods.

Set up payment methods for customer accounts

You can set up payment methods for new customer accounts during the account creation process, or by editing an existing account. You can add a maximum of 100 payment methods to an account. If there are multiple payment methods associated with a customer account, select one of the payment methods as the default payment method to indicate that it is the customer's preferred method of payment. You can enable the Auto-Pay setting on a customer account that uses an electronic payment method to automatically collect payments.

You can set up payment methods for customer accounts through Zuora UI, APIs, and Payment Pages 2.0.

Set up a payment method through the Zuora UI

  1. Navigate to the UI section for setting up payment methods:
    • To set up a payment method during the creation of a new customer account, navigate to the Payment Method section.
    • To set up a new electronic payment method for an existing customer account, open the customer account page, navigate to the Electronic Payment Methods section, and then click Create New Payment Method.
  2. Select one of the available electronic payment methods you have defined in the Payment Method setting. During the creation of a new customer account, you can set up an external payment method for the customer account.
  3. Enter the payment method details.
  4. Click Save.

Set up a payment method through the API

You can use any of the following REST APIs to set up a payment method:

Set up a payment method through Payment Pages 2.0

You can use the embedded iFrame or Direct POST to implement Payment Pages 2.0 to collect your end user's payment method data. See Payment Pages 2.0 for details.

Best practice

It is recommended to provide the city and country information when creating a payment method. The information will be sent to the gateway and be used to process payments with this payment method. If the information is not provided during payment method creation, the city and country data will be missing during payment processing. The bill-to or sold-to address information of your account will not be included in the request to the gateway.

Manage stored credential profiles for credit cards

A stored credential profile within a payment method is a container for data of a credential that has been stored in accordance with a customer consent agreement. Each stored credential profile includes a transaction identifier, which Zuora sends to the payment gateway whenever the payment method is used in a payment.

When you create a credit card payment method through the Zuora UI, API, or Payment Pages 2.0, you can create a stored credential profile within the payment method if the customer has given consent for their information to be stored. See Stored credential transactions for more information.