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Accounts Receivable

Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableZuora AIRelease NotesBasicsEntitlementsSupport and policies
Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableZuora AIRelease NotesBasicsEntitlementsSupport and policies

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Cash Application

Banking integrations

Learn how Zuora Banking Integrations import bank statements from supported file formats and channels to enable automated cash application and reconciliation.

The Bank Integrations setup allows Zuora to automatically import your payment data from bank files or integrations. This ensures that all your incoming transactions are available for reconciliation within the Cash Application module.

Zuora supports multiple bank statement formats used globally for payment data exchange.

Supported bank file formats

These formats are supported out of the box and can be directly uploaded or integrated:

  1. BAI2 / BAI3 — Common in North America for ACH, wire, and lockbox payments.

  2. CSV / Excel — Custom templates for manual uploads or non-standard bank formats.

Unsupported bank formats (available via Custom Integration)

The following formats are not supported natively but can be enabled through a custom integration setup:

  1. CAMT.053 / CAMT.054 — ISO 20022 formats used by most European and international banks.

  2. EDI 820 / EDI 823 — Electronic Data Interchange formats for payment and remittance.

  3. MT940 / MT942 — SWIFT-based statement and transaction detail formats.

  4. MT101 — Used for payment initiation instructions.

  5. Direct Payment Gateway integrations (e.g., Worldpay, Chase, Adyen).

  6. Digital Lockbox feeds.

  7. RDS (Remote Desktop Scanner) uploads.

Note:

If your bank provides a proprietary or regional file format, Zuora can support it through custom mapping. Please contact your Implementation Manager for setup.

Banking integrations

Zuora also supports templatised integrations with select bank and lockbox channels. Out-of-the-box support includes:

Lockbox:

  1. Wells Fargo

  2. SVB

  3. Truist

  4. Bank of California (Previously Pacific Western Bank)

  5. Western Bank Alliance

  6. Fifth Third Bank

  7. JP Morgan Chase

BAI2/ BAI3:

  1. JPMC

  2. Fifth-Third Bank

  3. Truist

  4. Wells Fargo

  5. CitiBank

  6. Western Bank Alliance

Important methods

Zuora supports multiple ways to bring bank statements into the system.

1. Through SFTP

Secure File Transfer Protocol (SFTP) allows your bank to drop files directly into a secure Zuora-managed folder.

  • Ideal for daily or scheduled automated syncs.

  • Commonly used when multiple banks or subsidiaries are involved.

2. Manual Upload

Download the bank statement from your banking portal and re-upload it directly into Zuora.

  • Supported formats include .bai2, .camt, .mt940, .csv, and .xlsx.

  • Recommended during initial onboarding or when testing a new bank integration.

3. Email Forwarding

Bank statement emails can be forwarded directly to Zuora, and the system automatically reads the attached files.

  • Useful when statements are received in a shared mailbox (for example, bankstatements@yourcompany.com).

  • Eliminates the manual step of downloading and uploading statements.

  • Can be configured at the bank or mailbox level for seamless automation.

Note:

Email forwarding is often used as an interim setup before full SFTP automation is established.

Configure bank

Go to Settings > Cash App > Banking Configuration to configure the bank accounts and their chart of accounts applicable for your account.

Last updated: September 23, 2026