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Overview of Checkout.com gateway integration

Zuora

Overview of Checkout.com gateway integration

Supported features 

The following table provides a quick reference for the supported features. For details about each feature, see the later sections in this article.

Supported payment methods ACH, Apple Pay, Credit Card/Gift Card/Prepaid Card, SEPA
Supported payment operations Validate, Payment, Referenced Refund
Support 3D Secure 2.0 Yes
Support Delayed Capture No
Support Level 2 and Level 3 card data No
Support stored credential transactions Yes
Support Gateway Options fields No
Checkout.com production endpoint used for Zuora gateway integration service https://api.checkout.com
https://api.checkout.com/payments
Support Gateway Reconciliation Yes
Checkout.com production endpoint used for Gateway Reconciliation service sftp.vault.checkout.com
Support Payment Method Updater Yes
Checkout.com production endpoint used for PMU service sftp://sftp.vault.checkout.com

Supported payment methods 

The Checkout.com gateway integration supports the following payment methods:

  • Credit Card/Gift Card/Prepaid Card, including:
    • Visa
    • Mastercard
    • American Express
    • Discover
    • Diners Club
    • JCB
    • China Union Pay 
  • SEPA
  • ACH
    ACH payment method verification on Checkout.com is supported through the ValidiFi account validation service. See Enable the support for ValidiFi account validation for ACH on Checkout.com for details.
  • Apple Pay

    Support for the Apple Pay payment method on Checkout.com is in the Early Adopter phase. We are actively soliciting feedback from a small set of early adopters.

For more information about setting up payment methods in Zuora, see Define and set up payment methods.

Support for mandate creation

Among the supported payment methods, Zuora supports mandate creation for SEPA payment methods. Zuora will generate and pass the mandate to the gateway.

Support for Apple Pay

Support for the Apple Pay payment method on Checkout.com is in the Early Adopter phase. We are actively soliciting feedback from a small set of early adopters.

Follow the instructions in Apple Pay on Web to learn how to configure Apple Pay in Zuora.

You can also refer to Checkout.com's Set up Apple Pay guide to get a better understanding of the Apple Pay setup. Note that you should skip Step 2: Add Checkout.com as a payment processor of this guide because Zuora's payment processing certificates will be used here.

For limitations specific to Apple Pay, see Limitations.

Supported payment operations 

The Checkout.com integration supports the following payment operations:

  • Validate
  • Payment
  • Referenced refund

Support for 3D Secure 2.0  

Zuora's Checkout.com gateway integration provides support for 3DS2 through the embedded iFrame of Payment Pages 2.0. To enable 3DS2, see Enable 3DS2 for Checkout.com gateway integration and Zuora’s implementation of 3D Secure 2.0 for more information.

After 3DS2 is enabled in the Payment Pages settings, you can use the 3DS Challenge Indicator configuration field to indicate your preference for whether or not a 3DS challenge should be performed. See Additional configuration fields for more information.

The "Best practices" section in Zuora’s implementation of 3D Secure 2.0 also provides best practices for reducing the possibility of failed transactions due to 3DS2 authentication errors.

Support for stored credential profiles

The Checkout.com gateway integration includes support for the Stored Credential Transactions framework. For details about the supported payment methods, see Support for stored credential transactions overview.

Support for Gateway Reconciliation 

Gateway Reconciliation for Checkout.com is supported for Credit Card and SEPA payment methods. It is not available for ACH or Apple Pay for now.

The Checkout.com integration supports the following Gateway Reconciliation event types:

  • Settlement
  • Rejection
  • Chargeback

Before configuring and using Gateway Reconciliation for Checkout.com, complete the following tasks:

  • Send an email to support@checkout.com to add your merchant account's Daily-Full-Edition and Disputes Hub reports to Zuora's checkout.com gateway integration.
  • Get your API key from Checkout.com dashboard. This API key is required for configuring Gateway Reconciliation for Checkout.com gateway integration when setting up the gateway integration.
  • Contact Checkout.com to get your SFTP username. This SFTP username is required for configuring Gateway Reconciliation for Checkout.com gateway integration when setting up the gateway integration.

Checkout.com hosts an SFTP server for Zuora, where Checkout.com uploads transaction reports for merchants. These reports are aggregated in a single folder for each merchant. Each merchant folder contains its day-to-day reports. Two reports are generated on a daily basis, including a Full edition report and a Disputes report. 

  • The Full edition report contains settlements and rejections for credit cards and SEPA.
  • The Disputes report contains chargeback data for credit cards and SEPA.

For the detailed columns in the two reports, see Checkout.com's documentation for more information.

For more information about enabling and configuring the Gateway Reconciliation service, see the following articles:

Support for Payment Method Updater

Zuora provides a Payment Method Updater to work with the Account Updater of Checkout.com. This feature helps keep Zuora and you informed when card members change, replace, or upgrade their card information. For more information, see Configure Checkout.com Payment Method Updater.

Limitations 

  • Since Checkout.com uses auto-capture by default, payment requests are captured very quickly. Therefore, payments cannot be cancelled or voided using the Checkout.com gateway. Once made, payments can only be refunded later.
  • Non-referenced refunds (credits) are not supported by the Checkout.com gateway integration.
  • Gateway Reconciliation for Checkout.com is not supported for ACH or Apple Pay for now.
  • Limitations specific to Apple Pay:
    • Apple Pay is enabled by default on Checkout.com unless payments are to be processed in the United Arab Emirates or Saudi Arabia. If you operate in these regions, contact your Customer Success Manager at Checkout.com to have Apple Pay enabled.
    • If you plan to process any Apple Pay payments through an entity outside of the European Economic Area (EEA), contact your Customer Success Manager or integration engineer at Checkout.com to have Apple Pay enabled.