The Stripe payment gateway allows individuals and businesses to accept payments over the internet.
Supported Gateway Versions
Zuora provides two Stripe gateway integration versions, Stripe v1 and Stripe v2. The following table lists the major functional differences between Stripe v1 and Stripe v2:
|Functionalities||Stripe v1||Stripe v2|
|Supported payment methods||
|Support 3DS2 through Payment Pages 2.0?||No||Yes|
|Support stored credential transactions?||No||Yes|
|Support Level 2 / Level 3 data processing?||No||Yes|
|Support ACH Tokenization?||No||Yes|
Stripe v2 includes support for the Stored Credential Transaction framework of Visa, Mastercard, and American Express.
Currently, only existing Stripe tokens are supported as a Credit Card Reference payment method type. Creating tokens in Zuora is not supported.
Configure the Stripe Payment Gateway
- Click your username at the top right and navigate to Settings > Payments > Setup Payment Gateway.
- Select Stripe v1 or Stripe v2 from the Gateway Type drop-down menu.
- Click create gateway.
- Configure the gateway settings as needed.
- Once you have entered the necessary information, click save gateway information.
Common Configuration Fields
There are some common fields you must complete for every gateway configuration. We recommend reviewing Setting Up Payment Gateways for information on these fields:
- Use Gateway Test Environment (Does not apply to Stripe)
- Secret Key
- Cards Accepted
- Default Authorization Amount: Must not be less than 0.50, in any currency. See Minimum and maximum charge amounts for more information.
- Verify new payment method (optional)
- Verify updated payment method (optional)
When using ACH payment method with the Stripe payment gateway, the Verify new payment method and Verify updated payment method check boxes are required to be selected.
Gateway Specific Configuration Fields
The following fields are specific to the Stripe payment gateway.
Determines if the transaction will go through the merchant's live or test account. You can find your Secret key by navigating to Developers > API Keys in your Stripe merchant account.
This field is specific to Stripe v2.
It can be found on your Stripe account settings page. You can find your Stripe API Publishable key by navigating to Developers > API Keys in your Stripe merchant account.
Enable Level 2/Level 3 Processing
Before configuring this gateway setting, ensure that you have enabled the Level 2 or Level 3 data processing for your Stripe merchant account. Contact Stripe Support to get it enabled.
Select this check box if you want to enable the Level 2 or Level 3 processing for Visa or Mastercard credit card transactions on the Zuora side.
With this setting enabled, all of the following additional fields are sent to Stripe during the transaction:
|Physical goods that require shipment||
|Level 2 and Level 3 Customer Billing Details||
ProductCode Custom Field API Name
The value specified in this field will be mapped to the
product_code field that is sent to Stripe. If this field is not specified, the
product_code field will default to the product SKU.
Additional Gateway Information
Credit Card Reference Transactions
Zuora supports Stripe tokens. 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. Note that the token cannot be used with another gateway, which is why we recommend storing credit card information in Zuora whenever possible.
This feature is in Limited Availability. If you want to have access to the feature, submit a request at Zuora Global Support.
See the following topics for more information about setting up Credit Card Reference payment methods in Zuora.
The following SOAP API call can be used to create a payment method that represents a Stripe-stored credit card.
<ns1:create> <ns1:zObjects xsi:type="ns2:PaymentMethod"> <ns2:AccountId></ns2:AccountId> <ns2:SecondTokenId></ns2:SecondTokenId> <ns2:TokenId></ns2:TokenId> <ns2:Type>CreditCardReferenceTransaction</ns2:Type> </ns1:zObjects> </ns1:create>
The bank account verification through Stripe using Plaid or Stripe.js is not supported by Zuora’s Stripe gateway integration. To ensure ACH transactions work correctly, the verification of bank accounts must be turned off by Stripe for your merchant account. See Stripe's ACH Guide for more information.
The Stripe v2 gateway integration supports ACH Tokenization. This feature enhances security with end users’ bank account details by tokenizing the information into a single-use token.
Stipe v1 does not support this feature. If you want to take advantage of this feature, you should migrate to Stripe v2. Note that if you have existing ACH payment methods created with another gateway other than Stripe, you can only migrate to Stripe v2 instead of Stripe v1.