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CardConnect Gateway


CardConnect Gateway

CardConnect provides businesses an outsourced payment solution, which enables merchants to accept payments from anywhere in the world.

Supported Payment Types

CardConnect supports the following payment types:

  • Credit Cards: Visa, Mastercard, American Express, and Discover, JCB and Diners
  • Credit Cards Tokens (via Credit Card Reference Transactions): Visa, Mastercard, American Express, and Discover. 
  • Debit Cards: Visa and Mastercard
  • ACH

Supported Payment Operations

CardConnect supports the following payment operations:

  • Authorize or verify a payment method
  • Create a payment
  • Void a payment
  • Refund a payment (referenced refund)
  • Refund credit balance (non-referenced refund)


  • Before you can configure CardConnect in Zuora, enable your CardConnect merchant account. Only the FTS version of the CardConnect gateway is supported. 
  • Enable refunds without reference in CardConnect at the Merchant Id level. 

Configure the CardConnect Gateway

  1. Navigate to Settings Payments > Setup Payment Gateway
  2. Select CardConnect from the Gateway Type drop-down menu.
  3. Click create gateway.

Common Configuration Fields

There are some common fields you must complete for every gateway configuration. Zuora recommends reviewing Setting Up Payment Gateways for information on these fields: 

  • Type
  • Name
  • Use Gateway Test Environment
  • Merchant IdUsername, and Password
    For the CardConnect gateway, these fields are API authentication credentials. The values for these fields must be obtained from CardConnect.
  • Cards Accepted
  • Default Authorization Amount
    The default can be zero or higher.
  • Verify new payment method (required)
  • Verify updated payment method (optional)

CardConnect restricts one currency per Merchant ID.

Click save gateway information after entering the necessary information.

Credit Card Reference Transactions

Zuora supports CardConnect tokens for Visa, Mastercard, American Express, and Discover. Tokens are used for credit card reference transactions in Zuora. A reference transaction is simply a representation of a credit card payment method without having sensitive payment method information like the credit card number stored in Zuora. Please note that the token cannot be used with another gateway, which is why we recommend storing credit card information in Zuora whenever possible.

See the following topics for more information about setting up credit card reference transactions in Zuora.

The following SOAP API call can be used to create a payment method that represents a CardConnect-stored credit card.

 <ns1:zObjects xsi:type="ns2:PaymentMethod">