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Migrate payment methods for stored credential transactions


Migrate payment methods for stored credential transactions

To ease the process of enabling stored credential transactions for all existing and new payment methods on your tenant, Zuora provides a payment setting called CIT/MIT Configuration. With this setting enabled, you can migrate all credit card or Apple Pay payment methods on your tenant to comply with the Stored Credential Transaction framework.

For migrating existing Apple Pay payment methods on the Chase Paymentech Orbital integration for stored credential transactions, only Visa payment methods are supported.

For information about the gateways that support stored credential transactions for credit card and Apple Pay payment methods, see Overview of support for stored credential transactions.


Ensure that your customers have given their consent for their payment credentials to be stored on file before enabling the CIT/MIT Configuration setting.

Enable CIT/MIT Configuration

To migrate all existing payment methods:

  1. In your Zuora tenant, navigate to Settings > Payments > CIT/MIT Configuration.
  2. Click edit.
  3. Select the Enabled check box for the card brand you want to migrate. A warning message is displayed.
  4. Select the check box for the warning message and click confirm.
  5. Click save to save the configuration.

After this setting is enabled, Zuora will send all subsequent payments as stored credential transactions to the payment gateway if the gateway supports stored credential transactions. 

For credit card payment methods on Stripe v2, you can also use MOTO transactions to create stored credential profiles while processing recurring payments. To enable this support, complete the following steps:

  1. Click your username in the upper right and navigate to Settings > Payments > CIT/MIT Configuration.
  2. In the CIT/MIT Enable section, ensure that the Stored Credential Transactions support is enabled for the card brands for your needs.
  3. In the MOTO Support section, click Edit and then select Allow using MOTO transaction as grandfathering transaction to create stored credential profiles.

The MOTO transaction indicator will be included in the recurring payment request to the gateway and a recurring stored credential profile will be created for the card used to process the payment. The NTI will be returned in the authorization response.

What's next

You can view the stored credential profile after migrating all existing payment methods in Zuora.