Credit card reference transactions on First Data Payeezy gateway integration
Learn how to process credit card reference transactions using the First Data Payeezy gateway integration, utilizing transaction IDs for secure payments.
Credit Card Reference (CCRef) transactions are payment transactions that utilize a transaction ID from a previously authorized transaction to process a subsequent payment. The transaction ID is a token that replaces sensitive payment method information (for example, a credit card or a bank account number) so the transaction ID/token is stored in Zuora as the payment method in place of sensitive card data or bank account information.
To use the CCRef payment method, contact Zuora Global Support to enable the CCRef for your tenant.
Multi-Pay Tokens
First Data's Multi-Pay Tokens feature adds the ability to perform an authorized financial transaction within the merchant environment. The merchant submits a token that it already has on file for a specific consumer/card to First Data who accesses the vault to retrieve the PAN and completes the transaction. By using this type of token in the payment authorization process, the merchant reduces the risk of having the real PAN stolen as it is being collected from the consumer or stored by the merchant.
First Data's TransArmour product and Multi-Pay tokens must be configured for your merchant account before you can process CCRef payments. Contact your First Data Relationship Manager to enable TransArmour for your merchant account.