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Overview of gateway integration


Overview of gateway integration

Supported features 

The following table provides a quick reference for the supported features. For details about each feature, see the later sections in this article.

Supported payment methods ACH, Apple Pay, Credit Card/Gift Card/Prepaid Card, SEPA
Supported payment operations Validate, Payment, Referenced Refund
Support 3D Secure 2.0 Yes
Support Delayed Capture No
Support Level 2 and Level 3 card data No
Support stored credential transactions Yes
Support Gateway Options fields No production endpoint used for Zuora gateway integration service
Support Gateway Reconciliation Yes production endpoint used for Gateway Reconciliation service
Support Payment Method Updater Yes (Visa, MasterCard) production endpoint used for PMU service s

Supported payment methods 

The gateway integration supports the following payment methods:

  • Credit Card/Gift Card/Prepaid Card, including:
    • Visa
    • Mastercard
    • American Express
    • Discover
    • Diners Club
    • JCB
    • China Union Pay 
  • SEPA
  • ACH
  • Apple Pay

For more information about setting up payment methods in Zuora, see Define and set up payment methods.

Support for mandate creation

Among the supported payment methods, Zuora supports mandate creation for SEPA payment methods. Zuora will generate and pass the mandate to the gateway.

Support for ACH

  • ACH payment method verification on is supported through the ValidiFi account validation service. See Enable the support for ValidiFi account validation for ACH for details.
  • When adding an ACH payment method to a Corporate type of account, you can pass in the company name information through the following approaches:

    The value passed in will be mapped to the account_holder > first_name and account_holder > last_name fields. Zuora splits the string specified in the Account Holder Name field into two parts at the first space from the left. The first part will be passed to and populated in the first_name field. The second part will be passed and populated in the last_name field. Additionally, the company name passed in will also be mapped to the account_holder > company_name field.

Support for Apple Pay

Support for the Apple Pay payment method on is in the Early Adopter phase. We are actively soliciting feedback from a small set of early adopters.

Follow the instructions in Apple Pay on Web to learn how to configure Apple Pay in Zuora.

You can also refer to's Set up Apple Pay guide to get a better understanding of the Apple Pay setup. Note that you should skip Step 2: Add as a payment processor of this guide because Zuora's payment processing certificates will be used here.

For enablement requirements for processing Apple Pay payments in some regions, see Checkout.out documentation.

Supported payment operations 

The integration supports the following payment operations:

  • Validate
  • Payment
  • Referenced refund

Support for 3D Secure 2.0  

Zuora's gateway integration provides support for 3DS2 through the embedded iFrame of Payment Pages 2.0. To enable 3DS2, see Enable 3DS2 for gateway integration and Zuora’s implementation of 3D Secure 2.0 for more information.

After 3DS2 is enabled in the Payment Pages settings, you can use the 3DS Challenge Indicator configuration field to indicate your preference for whether or not a 3DS challenge should be performed. See Additional configuration fields for more information.

The "Best practices" section in Zuora’s implementation of 3D Secure 2.0 also provides best practices for reducing the possibility of failed transactions due to 3DS2 authentication errors.

Support for stored credential profiles

The gateway integration includes support for the Stored Credential Transactions framework, but it does not support the sharing NTI feature. For details, see Support for stored credential transactions overview.

Support for Gateway Reconciliation 

Gateway Reconciliation for is supported for Credit Card and SEPA payment methods. It is not available for ACH or Apple Pay for now.

The integration supports the following Gateway Reconciliation event types:

  • Settlement
  • Rejection
  • Chargeback

Before configuring and using Gateway Reconciliation for, complete the following tasks:

  • Send an email to to add your merchant account's Daily-Full-Edition and Disputes Hub reports to Zuora's gateway integration.
  • Get your API key from dashboard. This API key is required for configuring Gateway Reconciliation for gateway integration when setting up the gateway integration.
  • Contact to get your SFTP username. This SFTP username is required for configuring Gateway Reconciliation for gateway integration when setting up the gateway integration. hosts an SFTP server for Zuora, where uploads transaction reports for merchants. These reports are aggregated in a single folder for each merchant. Each merchant folder contains its day-to-day reports. Two reports are generated on a daily basis, including a Full edition report and a Disputes report. 

  • The Full edition report contains settlements and rejections for credit cards and SEPA.
  • The Disputes report contains chargeback data for credit cards and SEPA.

For the detailed columns in the two reports, see's documentation for more information.

For more information about enabling and configuring the Gateway Reconciliation service, see the following articles:

Support for Payment Method Updater

Zuora provides a Payment Method Updater to work with the Account Updater of This feature helps keep Zuora and you informed when card members change, replace, or upgrade their card information. For more information, see Configure Payment Method Updater.


  • Since uses auto-capture by default, payment requests are captured very quickly. Therefore, payments cannot be cancelled or voided using the gateway. Once made, payments can only be refunded later.
  • Non-referenced refunds (credits) are not supported by the gateway integration.
  • Gateway Reconciliation for is not supported for ACH or Apple Pay for now.