Zuora's Balance Refresh add-on automatically checks the available balance of verified ACH accounts before processing payments, helping merchants avoid insufficient fund failures and unnecessary gateway fees.

If you have purchased the Balance Refresh add-on, Zuora automatically performs a balance refresh on the verified bank account before ACH payments are processed. Balance Refresh is triggered during payment run execution, and verified ACH payments are processed. The Balance Refresh process is triggered during payment run execution and works as follows:

• For each verified ACH account, Zuora compares the available account balance to the configured sufficient balance multiplier.
• If the available amount meets or exceeds the multiplier threshold, the payment is processed as expected.
• If the available balance falls below the multiplier threshold, Zuora creates a payment transaction with an error status and does not send the payment to the gateway for processing.

This ensures merchants proactively avoid insufficient fund failures, reducing unnecessary gateway fees and making informed payment processing decisions.