This article explains how to configure CyberSource Account Updater with the Zuora Payment Method Updater.
The customer must implement procedures to manage what happens when a payment method becomes inactive (for example, if a credit card is canceled).
The following diagram shows the process to configure the Zuora PMU with CyberSource Account Updater.
Submit a request at Zuora Global Support to enable this feature or service.
Enroll in the CyberSource Account Updater program. If you are not yet enrolled, contact your account representative at CyberSource to enroll and specify if you would like to enroll using Visa and Mastercard.
Once you satisfy the prerequisites, do the following in Zuora (each step is described in this article):
See the CyberSource Account Updater User's Guide as you follow these procedures. Go to the CyberSource main page, navigate to the developers > Develop > CyberSource Services > payment security page. The document is titled "Account Updater User's Guide."
If you have more than one tenant, you must have a separate merchant ID for each tenant to update payment methods using the CyberSource PMU.
Use the following steps to create the CyberSource Java Keystore.
As the instructions provided by CyberSource are difficult to follow, we created an internal tool to generate the Java Keystore automatically. To create the Java Keystore:
Navigate to Settings > Payments > Setup Payment Method Updater. On the Setup Payment Method Updater page, select CyberSource as the Updater Type and click the green add payment method updater button. If you have already configured a payment method updater profile, make sure to set the one you want to use as the Default.
Once the Add Payment Method Updater page is displayed, you can fill in the necessary information for your account updater profile. The image below shows an example of the information required. An example form filled out is displayed below.
Merchant ID and Business Center User Name must be the as the Merchant ID used for your CyberSource payment gateway. This information is provided by CyberSource.
The following information discusses all the form fields from the image above.
|Field Name||Field Description|
|Active||Check this box to activate your CyberSource Account Updater in Zuora. Remember, from Step 1, you have to make sure the payment method updater profile you want to use is marked as the Default.|
|Updater Services||Select the updater service(s) that you want to use: Visa Account Updater, Mastercard Automatic Billing Updater, or both. You must first be enrolled in the service(s) you want to use through the CyberSource Account Updater program.|
|Name||A name for your CyberSource Account Updater. Choose any name you'd like.|
|Merchant ID||This is a unique ID that identifies the merchant in the CyberSource System. It is the same ID that you use to log into the the CyberSource Business Center and must be the same as the Merchant ID used for your CyberSource payment gateway. This information is provided by CyberSource.|
|Billing Aggregator Sub Merchant ID (Optional)||Enter this information if it is provided by CyberSource.|
|Business Center User Name||This is the user name for your CyberSource Business Center and is required so that you can download the CyberSource Account Updater files from within Zuora. The user name must be the same as the merchant ID. This information is provided by CyberSource.|
|Business Center Password|| |
This is the password that corresponds to the business center user name that you specified.
If you enter the wrong password three consecutive times in your console, CyberSource locks your account. Because CyberSource links the Merchant ID and Business Center User Name, the result is a halt of PMU functionality. Cybersource provides no auto password reset. You must call CyberSource to reset the password.
|CyberSource Transaction Security Key||This is the same transaction security key (also called Private Key) used to configure the CyberSource gateway. See the CyberSource Account Updater Guide for information on generating this key. This key allows Zuora to connect to your CyberSource Updater Account in order to upload files to request account updates.|
|CyberSource Java Keystore||See Step 1 for instructions for creating the Java Keystore.|
|CyberSource Keystore Passphrase||The password used during the creation of the Java Keystore.|
|Status Email|| |
Once Zuora has successfully submitted the request file to CyberSource, CyberSource will keep the merchant updated of the file's status via one or more emails sent to the email address stored on the payment gateway updater (under Credentials > Status Email).
CyberSource will send emails regarding the status of the submitted request file. The email subject lines may have one of the following statuses:
Specify a value for Start Payment Method Updater service days days prior to the Bill Cycle Day.
Zuora recommends using a value of 5 to 7 days prior to the Bill Cycle Day, because the CyberSource Account Updater service will take approximately 5 days to process the credit card account information for updates.
Check Only update payment methods for customer accounts associated to this gateway/processor to include only the credit cards for customer accounts with CyberSource set as the payment gateway (under Billing and Payment Term). Disable this field to send all credit card information to CyberSource (the default value).
|Download Public Key||Click download and see step 3 below.|
Click the Download link to download the PGP Public Key. You must copy the public key to the CyberSource Business Center into your CyberSource Merchant Profile, as described in the CyberSource Account Updater Guide. This allows the Zuora payment method updater integration to decrypt the response files from CyberSource.
The following limitations apply when testing the Cybersource Account Updater in the Zuora sandbox environment:
The merchant can only verify the setting and connectivity to Cybersource.
The merchant can only test the process of submitting batches to CyberSource.
The sandbox environment only supports testing the process of submitting batches. The process of retrieving the submitted batches is NOT supported at this time
Full Cybersource Account Updater functionality is supported in the Zuora Production environment. Although Zuora has tested the integration, it is recommended that you select a few actual payment methods and submit them to CyberSource to ensure that the Zuora PMU is working properly. For example, you can change the billing cycle days on the selected billing accounts and verify that the updater is working.