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PayPal Payflow Payment Gateway


PayPal Payflow Payment Gateway

PayPal is one of the most popular payment gateways with many different products. Zuora partners PayPal's Payflow Gateway and provides a gateway integration called PayPal Payflow that allows you to easily adopt 3D Secure 2.0. For more information about enabling 3DS2, see Enable 3DS2 for PayPal Payflow gateway integration.

Supported Payment Methods

The PayPal Payflow gateway integration supports the following payment methods:

  • Credit Cards, including:
    • Visa
    • Mastercard
    • American Express
    • Discover

Stored Credential Transactions

PayPal Payflow includes support for the Stored Credential Transactions framework. For details about the supported payment methods, see Support for stored credential transactions overview.

Configure PayPal Payflow Gateway

To set up PayPal Payflow as your gateway:

  1. Click your username at the top right and navigate to Settings > Payments > Setup Payment Gateway
  2. Select PayPal Payflow from the Gateway Type drop-down list.
  3. Click create gateway.

Common Fields for Configuration

There are some common fields you must complete for every gateway configuration. We recommend reviewing our Setup Payment Gateway documentation for information on these common fields: 

  • Name
  • Use Gateway Test Environment
  • Cards Accepted
  • Default Authorization Amount
    PayPal payment processor does not accept $0.00 authorization amounts.
  • Verify new payment method (optional)
  • Verify updated payment method (optional)


In addition to the common fields, every gateway has unique requirements and information (such as credentials) that you must provide to configure the gateway in Zuora. The credentials to configure the gateway in Zuora will be the same as your login credentials for PayPal Manager.

PayPal Terminology

Paypal's terminology is slightly different from Zuora's terminology for the components of your login. The following table shows how a term is displayed in the Zuora Payments Settings and what it corresponds to in Paypal. See Setting Up Payment Gateways for more information on setting up a payment gateway in Payments.

Zuora Term PayPal Term Description
Partner Partner Typically Paypal is the partner, but may also be Verisign depending on how your account is set up by PayPal.
Merchant ID Merchant Login or Vendor Your merchant ID to your PayPal Payflow gateway account.
User ID User Typically, this is the same as the Merchant Login.
Password Password  Your merchant account password.
API Key Api Key

A shared secret value between the merchant and Cardinal. This value should never be exposed to the public. This field is required if you want to enable 3DS2.

See Cardinal Cruise SSO Credentials for more information.

API Identifier Api Identifier

GUID used to identify the specific API Key. This field is required if you want to enable 3DS2.

See Cardinal Cruise SSO Credentials for more information.

Org Unit ID Org Unit Id

GUID to identify the merchant organization within Cardinal systems. This field is required if you want to enable 3DS2.

See Cardinal Cruise SSO Credentials for more information.

Processor ID Processor ID You can get this information after registering with CardinalCommerce. This field is required if you want to enable 3DS2.
Merchant ID for PSD2 Merchant ID  This is the merchant ID for Cardinal. You can get this information after registering with CardinalCommerce. This field is required if you want to enable 3DS2.
Transaction Password Transaction Password This is the transaction password you get when registering with CardinalCommerce. This field is required if you want to enable 3DS2.

Testing Your Configuration

Access Your Gateway's Test Environment

When configuring the PayPal payment gateway in Zuora, you can indicate whether you would like to use the PayPal test environment or the PayPal Production (Live) environment. 

  • If Use Gateway Test Environment is selected, Zuora will direct payment transactions to the following test environment which is a test simulator at (This URL is the API entry point for a test environment dedicated to PayFlow)
  • If Use Gateway Test Environment is not selected (disabled), Zuora will direct payment transactions to the following production environment: (API entry point).
    Your credentials will be the same for both test and production environments, which both require Payflow credentials. Zuora ensures your payment transactions are routed to the right environment based on whether the Use Gateway Test Environment is selected. 

    The UI entry point for and is at

Test Credit Cards and Testing Scenarios

When testing transactions through the Zuora integration of PayPal Payflow gateway integration, you should refer to Payflow Gateway Developer Guide (see the "Test Transactions" section) for more information.

The integration uses the simulator for testing, thus we refer you to the instructions in the Payflow guides. The developer's guides include information on generating payment errors based on the transaction amount used for testing. If you use a different credit card number for testing that is not listed in the developer's guide, it may also fail the transaction.

Test Credit Cards and Test Scenarios Will Depend on the Sandbox Used

By default, any merchant testing transactions via Zuora will be using the test simulator.

Most merchants will use when testing in Zuora, unless PayPal has approved and linked your account to (for example: if you have a Sandbox Pro account). Check with Payflow Operations team to determine if you have a PayPal sandbox account linked to Payflow. 

The PayPal Sandbox does not have a list of specific credit cards to use, however, these are your options:

  • You can follow the instructions to add a credit card account to a test account. 
  • You can generate credit card numbers in
  • You can use a live card in your account for testing. This transaction will not go to a live environment it will only be sent to the Sandbox test environment.

Viewing Test Transactions in UI

Test transactions sent to the Payflow Sandbox can be viewed in the UI by logging into If your PayPal sandbox account linked to Payflow, then you can view your transactions in


The PayPal Payflow gateway does not provide a test environment for 3DS2. If you want to run an end-to-end (E2E) testing for 3DS2, you should use your Production (Live) environment to do so.