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Using Multiple Payment Gateways

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Using Multiple Payment Gateways

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There are a few different scenarios under which one might consider configuring multiple gateways, and the common theme among these is that you need to send transactions from different customer segments through different gateways.

Configure a payment gateway

To configure your payment gateway:

  1. Navigate to the Setup Payment Gateway page.
  2. On the Configure Gateway Instance tab, select the payment gateway that you want to use from the Gateway Type list.
  3. Click Create Gateway. On the page that appears, enter the required information for the selected gateway.
  4. Click Save Gateway Information.

Configure multiple payment gateways

You can set up multiple payment gateways using the same or different gateway types. To add additional payment gateways, repeat the steps above to configure an additional gateway.

There are a few different scenarios under which one might consider configuring multiple gateways, and the common theme among these is that you want to send transactions from different customer segments through different gateways:

  1. By country: For example, if a merchant has customers in the US, UK and Canada, and wanted to send transactions for customers from each of those countries through different gateways. In that case, they would set up three different gateways, say Cybersource for US transactions, Worldline Global Collect for UK transactions, and Moneris for Canadian transactions. Then when setting up the customer accounts for customers from each of those countries, the gateway setting for US customers would point to Cybersource, UK customers would point to Worldline Global Collect, and Canadian customers would point to Moneris.
  2. By payment method: For example, if a merchant prefers to use one gateway for ACH and a different gateway for credit and debit cards for cost reasons, they could point customers to different gateways depending on their preferred method of payment.
  3. By fraud risk: For example, if a merchant has a two customer segments, one being a higher fraud risk than others, they may choose to send transactions for the high-fraud-risk group to Verifi, which provides advanced fraud detection and prevention methods, but potentially at a slightly higher cost, and send the low-risk customer transactions through a cheaper gateway that does not offer fraud prevention mechanisms.
  4. By currency: Some gateways will require or suggest that a merchant set up different merchant IDs for various currencies they want to support. For example, you may have one merchant ID linked to a merchant account that settles in USD and another merchant ID for an account that settles in EUR. 

You can specify a particular payment gateway to use for each customer by editing the Payment Gateway, located under Billing and Payment Term on the customer account. When setting up a customer account, the payment gateway used will be the default gateway, however, you can edit the customer account to use a different gateway.

Payment method re-authentication after switching to another gateway

If you use Zuora Payment Pages 2.0 to host your payment method pages and you want to switch to another payment gateway after the stored credential profile has been created for a payment method, you must require your end customer to re-authenticate the payment method on the hosted payment page. You can implement the re-authentication through the pmId client parameter for Payment Pages 2.0. For more information, see the following articles: