Zuora's Bank Account Verification (BAV) feature, powered by Stripe Financial Connections, allows merchants to securely verify bank accounts and check real-time balances during payment processing, enhancing security and compliance while reducing collections overhead.

Zuora's Bank Account Verification (BAV) is an add-on feature powered by Stripe Financial Connections. This feature enables merchants to securely verify a subscriber's bank account and check real-time balances during payment processing using Zuora's Hosted Payment Pages or Payment Forms. Contact your Zuora account team to learn the pricing and enable this feature in your tenant.

This feature offers you the following benefits:

• Instant ACH account verification
• Proactive balance checks before payment runs to avoid NSF fees
• Works with any existing ACH-supported gateway in Zuora
• Secure, compliant user experience embedded in Zuora's HPM
• Does not require a Stripe account since it is managed by Zuora
• Reduces collections overhead and improves cash flow predictability

When BAV is enabled, it leverages Stripe Financial Connections to streamline how ACH payment methods are collected and verified. During payment setup or processing, subscribers are prompted through a secure, embedded flow within Zuora's Hosted Payment Pages (HPM) or Payment Forms to log in to their bank and confirm account ownership. Stripe returns account metadata to Zuora, eliminating the need for manual routing and account number entry while ensuring accuracy and compliance.

In addition, BAV supports Balance Refresh, an optional add-on feature that enables Zuora to perform real-time available balance checks on the subscriber's bank account before processing an ACH payment.