Merchant e-Solutions is a full service payments provider that offers gateway, processor, and merchant acquiring services. Zuora is pre-integrated with the Merchant e-Solutions payment gateway.
Begin by contacting Zuora Global Support to enable the gateway in your tenant.
If you would like a unique Merchant e-Solutions Test Profile for use with the integration, please submit this request to Zuora Global Support along with your support ticket for enabling the gateway in your tenant. Zuora Global Support will work with Merchant e-Solutions to establish this account and provide you an ID for the test environment. Review the section below on Accessing Your Gateway's Test Environment for more information on the available options for test accounts.
Once the gateway is enabled for your tenant, configure your gateway by going to Z-Payments Settings > Setup Payment Gateway page. When selecting a Gateway Type, choose Merchant e-Solutions.
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:
In addition to the common fields, every gateway has unique requirements and information (such as credentials and certain rules) that you must provide to configure the gateway in Zuora.
A 20 digit number that identifies the source of the transaction requests. This is similar to a merchant ID in that it identifies which merchant account payment transactions are coming from.
A 32 character, alphanumeric password for the Profile ID..
This is the IP address from which the payment transaction is sent to Merchant e-Solutions.
Use the Zuora IP address that corresponds to the Zuora environment (Production or API Sandbox) that you are using. If you are accessing your tenant using www.zuora.com (Production), use the IP address: 18.104.22.168. If you are accessing your tenant using www.apisandbox.zuora.com (API Sandbox) then use the IP address: 22.214.171.124.
Moto stands for non-card-present Mail/Telephone Order. From the pick list, select the method of acceptance for which your payment transactions are originating. This is a requirement from credit card networks as different methods of acceptance may result in higher or lower transaction fees. For example, card present transactions (where the magnetic stripe on a card is read by a card reader) may have lower transaction fees than a card not present (telephone, online) transaction since the former has a lower fraud risk. The default to use is "eCommerce Transaction" however, when in doubt, check with your Merchant e-Solutions account manager or support team:
We recommend testing your selected payment gateway using both your payment gateway's test and production (live) environments. Once you have completed testing in the gateway's test environment, it is recommended that you perform a test in your live production environment with a real credit card. If there are any differences in the configuration of your testing and production accounts, testing in production ensures your production merchant account is set up properly and can successfully connect to the production environment.
Some payment gateways provide separate credentials for merchants to access their testing environment, some gateways use the same credentials for testing as for the production (live) environment but direct test transactions to a different URL, and other gateways do a little of both. To access the Merchant e-Solutions test environment, you have a couple of options:
When configuring the Merchant e-Solutions payment gateway in Zuora, you can indicate whether you would like to use the Merchant e-Solutions test environment or the Merchant e-Solutions production environment.
If Use Gateway Test Environment is selected, Zuora will direct payment transactions to the Merchant e-Solutions test environment.
The credentials used for this test environment are unique and different from the credentials used to access your Merchant e-Solutions production environment. If you are configuring the test account in API Sandbox, please use the Zuora API Sandbox IP address (126.96.36.199) in your configuration.
If Use Gateway Test Environment is not selected (disabled), Zuora will direct payment transactions to the Merchant e-Solutions production (live) environment.
Test credit cards and test scenarios are available here.
For additional guidance on testing, feel free to contact your Merchant e-Solutions Support team for assistance.
Zuora has been certified with Merchant e-Solutions as an integration partner and maintains the integration on an ongoing basis, thoroughly testing the integration with every new release. The Merchant e-Solutions integration documentation is helpful if you are integrating the gateway directly with your website, however, you do not need to perform any integration or certification testing to submit transactions to the Merchant e-Solutions gateway via the Zuora application. The intended audience for the integration guides are technical integrators, however, these documents can be helpful to non-technical integrators who can refer to it for information on testing and troubleshooting gateway errors (as described below).
In general, gateway testing environments are intended to give merchants the opportunity to test their gateway and integrations to their gateway, in order to work out any bugs before going to the production environment. Some gateway test environments are shared amongst multiple merchants, and other gateways provide unique testing environments for each merchant. Additionally, gateway test environments (also referred to as certification or sandbox environments) do not have the same high availability or performance capability as production environments. As such, they are not intended for load testing. Merchants performing high volumes of load testing that puts a stress on a shared test environment may receive a warning from the gateway or have their access to the testing environment suspended.
There are several ways to obtain information on gateway errors:
Zuora recommends that you check the payment in Zuora to see how many times the same payment method has been retried for payment and failed. If there have been several retries, check the error messages from the beginning with the first failure and the more recent failures to determine if the error message is the same. If a merchant tries to process a payment against the same credit card too many times despite receiving errors, this could trigger warnings to the card-issuing bank. The card-issuing bank may place an alert on the account and not allow any further transactions from the merchant using that payment method. When a merchant has been flagged, the error received on the payment may be not state the reason why, instead it might be a generic error decline error. In this case, the merchant (Zuora customer) should work with Merchant e-Solutions to see if they can identify the problem with the payment method. If the processor does not know, then the merchant and/or the card holder can try calling their card-issuing bank to look into the issue.