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Zuora Payments

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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Mastercard EMV 3DS 2.x mandatory fields

Configure Mastercard EMV 3DS 2.x support

Configure Zuora and your payment integrations to pass Mastercard-required data for EMV 3DS 2.x authentication on supported gateways.

To comply with the Mastercard EMV 3DS 2.x mandate, complete the following configuration. You need the Payment Settings administrative permission.

If you sell physical goods or hybrid, enable the gateway setting that passes shipping address data during the 3DS2 transaction. If shipping address is not available, Zuora passes the billing address as the shipping address by default.

If you collect payment data outside Zuora, pass the required Mastercard fields in your API or SDK requests. Your requests must include the cardholder name, full billing address, and the customer's email address or phone number. If applicable, also make sure that the billing account has a Ship To contact and that IsPhysicalGoods is enabled on the gateway so that Zuora can send the shipping address during 3DS2 authentication. Also include the customer's IP address and device information, where applicable. .

If you use Direct POST, do not enable the Payment Pages 2.0 3DS2 checkbox for that flow, because 3DS2 is implemented outside Zuora in your website flow.

  1. Configure the payment gateway.
  2. Configure Payment Pages 2.0 for credit type.
  3. Optional: Send a separate shipping address from the Ship To contact.

    By default, when IsPhysicalGoods is enabled, Zuora sends the billing address as the shipping address. If you sell physical goods and want to send the customer's actual delivery address, enhance your integration to capture the shipping address and store it on the customer's billing account.

    1. In your checkout experience, collect the shipping address from the customer.
    2. Save the shipping address to the Ship To contact on the customer's billing account.
    3. In your Payment Page integration, pass the account ID, for example, field_accountId, so that Zuora can associate the transaction with that billing account.

    When IsPhysicalGoods is enabled and the billing account has a Ship To contact, Zuora sends the Ship To contact's address as the shipping address to the gateway during the 3D Secure 2.0 transaction. If no Ship To contact is available, Zuora falls back to the billing address.

  4. API and SDK integrations: Provide the required data in your requests.

    If you create payment methods or process card payments through the Zuora API or the Payment SDK rather than a Hosted Payment Page, make sure your requests include:

    • The cardholder name and full billing address.
    • The customer's email address or phone number.
    • A Ship To contact, or shipping address, on the account, with IsPhysicalGoods enabled on the gateway.
    • The customer's IP address and device information, where applicable.

After you update your configuration, Zuora can include the additional Mastercard-required data during 3DS2 authentication on supported gateway integrations.

Last updated: August 21, 2026