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Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies
Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies

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Overview of CyberSource payment gateway integration

Supported payment methods

Learn about the payment methods supported by CyberSource v2.0, including ACH, Apple Pay, BACS, and various credit and debit card options.

CyberSource v2.0 supports the following payment method types:

  • ACH - Direct Debit Only

  • Apple Pay

  • BACS

  • Credit Card/Gift Card/Prepaid Card, including:

    • Visa

    • MasterCard

    • American Express

    • Discover

    • JCB

    • Diners Club

    • Hipercard

    • Elo

    • China Union Pay

  • Credit Card Reference Transactions (Tokenization)

  • Debit Card (available through the Zuora UI and SOAP API operations)

  • SEPA

For more information about setting up payment methods in Zuora, see Define and set up payment methods .

A payment transaction to CyberSource consists of an Authorization request and a Capture request with different reference IDs.

For payment method types including Credit Card, Debit Card, Credit Card Reference Transaction, ACH, and SEPA, the address fields sent to CyberSource are populated based on the following priority order:

  1. Address of the payment method : The address of the payment method takes precedence.
  2. Bill-To address : If no information is available in the payment method address, the Bill-To address is used.
  3. Sold-To address : If neither the payment method address nor the Bill-To address is available, the Sold-To address is used.

CyberSource v2.0 does not support mandate creation. After you create a mandate outside of Zuora, you can pass the mandate information to Zuora for verification through the UI or API when creating or updating the payment method.

CyberSource, Payment API v2.0 provides support for Apple Pay. The following credit card types are supported by this gateway integration to create Apple Pay payment method and process Apple Pay payments:

  • VISA

  • Mastercard

  • American Express

  • Discover

For more information on implementation instructions, see Set up Apple Pay .

CyberSource, Payment API v2.0 supports CyberSource tokens. Tokens are used for credit card reference transactions in Zuora. A reference transaction is simply a representation of a credit card payment method without having sensitive payment method information like the credit card number stored in Zuora. The token cannot be used with another gateway, which is why Zuora recommends storing credit card information in Zuora whenever possible.

For tokenized payment methods, you must validate them in Zuora so that payments made with these payment methods are successful. To validate tokenized payment methods, enable the following settings on the CyberSource v2.0 gateway configuration page:

  • Verify new payment method

  • Verify updated payment method

ACH payment method verification is supported through the ValidiFi account validation service. See Enable the support for ValidiFi account validation for ACH for details.

Last updated: December 3, 2025