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Configure Chase Payment Method Updater

Zuora

Configure Chase Payment Method Updater

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Overview

Zuora’s Chase Payment Method Updater (PMU) integrates with the Chase product, Chase NCB (Net Connect Batch) Account Updater Delimited File, to provide the payment method updating service for Visa and MasterCard. This article describes how to configure Zuora's Chase PMU service to use it with the Chase NCB (Net Connect Batch) Account Updater Delimited File.

After configured, all applicable payment method information will be collected by a scheduled job every day at 18:00:00 Pacific Standard Time (PST). The scheduled job collects the information and sends Chase NCB a batch request file, containing the card information for your customer accounts with whom you have established recurring billing or card-on-file relationships prior to their bill cycle day. Chase NCB will respond with electronic files to Zuora over Secure File Transfer (SFTP), with any updated card information. All the records for the same card in the response file will be updated to ensure that duplicate card update requests are identified and handled appropriately to avoid duplicate charges and to increase the success rate.

Zuora Chase PMU will update the payment method according to the Chase response codes. See this post in Zuora Community for details.

Note that Chase NCB Account Updater is only applicable to the Zuora Production environment.

This updater requires providing Chase with Zuora's outbound IP addresses to whitelist for your Presenter ID (PID) and SFTP configuration. For more information about the Zuora IP addresses to share, see Outbound IP Addresses Whitelisting.

Prerequisites

If you want to use the Chase NCB Account Updater functionality, go through the following tasks to configure the Account Updater service before it can be used. 

  • Work directly with Chase NCB to complete their technical profile questionnaire. When you fill in the questionnaire, specify information according to Questionnaire Requirements for Chase NCB Account Updater.
  • You will need a division number from Chase NCB, and contact Zuora Global Support to add the division number to the merchant ID for Chase NCB.
    The division number is a six-digit number assigned by Chase NCB, and it is unique to your merchant account.
  • Contact Chase NCB to set the Duplicate Detection field to Duplicate Detection - All Responses. 
  • Download the public PGP key file and SSH key file provided by Zuora, and provide these key files to Chase NCB.

Questionnaire Requirements for Chase NCB Account Updater

When you fill in the technical profile questionnaire required to apply for Chase NCB Account Updater, you can refer to the information in the following table.

Question Answer/Value Remarks
Presenter ID/PID   The PID is a six-digit number assigned by Chase NCB Merchant Services.
Connection Type Account Updater Reports for SFTP and NC Batch  
Authentication/Security (TCP/IP)

See Inbound and outbound IP addresses.

  
Authentication/Security (SFTP)

Encryption (Netconnect Only) - PGP

Login Type: RSA

IP Address: See Inbound and outbound IP addresses.

Find Zuora's PGP key and SSH key files in the Prerequisites section.
Account Updater

Visa US/MasterCard US/Visa EU/MasterCard EU: Merchant Submitted 

Delimiter: Comma

  

Set Up Chase Payment Method Updater

You can set up Chase PMU through the Zuora UI.

  1. Click your username at the top right, and navigate to Settings > Payments > Set Up Payment Method Updater.
  2. Select Chase from the Updater Type list, and click add payment method updater.
  3. In the Basic information area, configure the following information:
    • Processor: The PMU functionality has to be approved by your gateway/processor. Once enabled, Zuora will automatically send Chase NCB payment methods to the Chase NCB for updates.
    • Select the Active box to activate your Chase NCB Account Updater in Zuora. When this check box is selected, PMU will automatically submit credit card information for updates. Please note that if multiple Active Updaters are configured, they may submit the same cards and receive the same updates. (Ensure Duplicate Detection is configured with Chase as noted above).
    • In the Name field, enter the name you want to use to identify the updater.
  4. In the Credentials area, configure the following information:
    • In the Presenter's ID (PID) field, enter the PID assigned by Chase NCB Merchant Services.
      The PID is a number assigned to the application that physically sends the data file (Presenter).
    • In the PID Password field, enter the PID password assigned by Chase Merchant Services.
    • In the Submitter's ID (SID) field, enter the SID assigned by Chase Merchant Services. 
    • In the SID Password field, enter the SID password assigned by Chase Merchant Services.
    • From the Division Number list, select the division number assigned to your account by Chase.
    • In the SFTP Username field, enter the SFTP user name used for reconciliation.
  5. In the Updater services area, select the updater services that you want to use.
    • Select the Visa Account Updater (VAU) check box.
    • Select the MasterCard Automatic Billing Updater check box.
      Both Visa and Mastercard services are supported.
  6. In the Rules area, configure the following information:
    • Specify a value for Start Payment Method Updater service days prior to the Bill Cycle Day field.
      Zuora recommends using a value of 10 days prior to the Bill Cycle Day, because the Chase NCB Account Updater service will typically take 10 days to process the credit card account information for updates.
    • If the Only update payment methods for customer accounts associated to this gateway/processor setting is selected, only the credit cards for customer accounts that meet either of the following conditions are included in the updates. Disable this field to send all credit card information to Chase.
      • The default payment gateway of the customer account is set to Chase (in the Billing and Payment Info section on the Customer Account page).
      • The default payment gateway of the customer account is not configured, but the default payment gateway of the tenant is set to Chase.
    • If the Only update the default payment method for AutoPay customer accounts setting is selected, only the default credit card payment methods for customer accounts with the AutoPay setting enabled are included in the updates. Clear this check box to send data of all credit cards for all customer accounts to Chase NCB, regardless of whether AutoPay is enabled for the customer account or not.
  7. Click save updater information to save configurations.

It is recommended that you set up only one Chase PMU.

For more information about Updater Services and Rules, see Using Payment Method Updater.

View PMU batch status

Navigate to Payments > Payment Method Updater, you can see the status in the batch list. 

After Chase NCB Account Updater has processed requests from Zuora Chase PMU, it responds with the following files to Zuora over SFTP:

  • File A - A batch response file containing updated information
  • File B - Response files for Visa VAU or VAE configuration
  • File C- Response files for MasterCard MAU or MAE configuration

According to Zuora Chase PMU service design for normal circumstances, when Zuora receives file A and one of file B or C in the preceding list, as well as responses for all records that Zuora sent to Chase, the PMU job status in Zuora is set to Completed. It is recommended to have Duplicate Detection of Chase NCB Account Updater enabled.

For PMU jobs in the Error status, use Zuora Data Source Export to find out the records without responses:

  1. Navigate to Reporting > Data Sources.
  2. Select the Payment Method Update data source.
  3. Configure the filter by using Payment Method Update > Retrieve Response Transaction Log = null.

Submit and Retrieve PMU batches

For more information about how to manually create PMU batches, resubmit batches, and retrieve batch results, see Use Payment Method Updater.