Limitations

• Some processors, such as Chase Paymentech Solutions, do not automatically downgrade Level 2 or Level 3 requests for consumer cards, which might result in payment failures for transactions processed through CyberSource. To mitigate the risk of payment failures, it is suggested not to enable Level 2 and Level 3 card data processing on the CyberSource gateway instance.

• CyberSource and the supported processors do not accept negative invoice item amounts and negative tax amounts for a Level 2 and Level 3 request. For this reason, if the payment invoices contain any negative amount, the payment will be sent as a regular non-Level 2 or non-Level 3 payment, and none of the Level 2 and Level 3 request fields will be included in the payment request.

• For multiple invoice line items, CyberSource supports up to 98 items in a single payment capture request for Level 2 and Level 3 processing. Note that you must enter the CyberSource limit in the Invoice Items Limit gateway setting.

• For all processors supported by this integration, the level 2 and level 3 fields are processed only for Visa, Mastercard, and American Express payment transactions.

Prerequisites

You must determine which processor you are using with CyberSource. For payment processing with Level 2 and Level 3 through Zuora, you must be on one of the three processors listed above. If you want to enable Level 3 processing to your contract or account setup, contact CyberSource Customer Support to have the merchant account configured to process Level 3 data. If your account is not enabled and you try to make Level 3 transactions, you will receive an error for the invalid data.

If you are using the FDC Nash Global processor to process non-US Visa Level 2 transactions, the PurchaserVATRegistrationNumber is required and it must come from the VATId field in your Zuora account. The VATId field on Zuora account is in Limited Availability. Contact Zuora Global Support to get the VAT ID.

You have to configure the following custom fields in Zuora:

• You can specify the gateway settings described in Step 5 below to save static values for the Commodity Code and Product Code custom fields that are required by Level 3 processing. If you do not specify the static values, you have to configure these two custom fields at the Product Rate Plan Charge level. The maximum length for these fields is 15.

• At the Account level, configure the ShipFrom Postal Code custom field. The maximum length for this custom field is 10.

Later, the API names (without "__c") for these custom fields need to be entered on the gateway configuration page.

Level 3 Processing

CyberSource requires that the unit price of invoice items for Level 3 transactions must not be zero. To ensure that you can successfully collect payments, Zuora does the following processing for Level 3 payments:

• Removes 0 (zero) amount invoice items from Level 3 Mastercard payments.

• When the unit price on the product rate plan charge is zero but the corresponding invoice item amount is non-zero, Zuora uses the non-zero invoice item amount for the unitPrice field of CyberSource in Level 3 Mastercard payments.

For more information about Level 2 and Level 3 payment processing for CyberSource, see CyberSource's Level 2 and Level 3 Processing .

Related information

• Level 2 and Level 3 Card Data

• Overview of CyberSource payment gateway integration

• Set up and configure a CyberSource payment gateway instance