Learn how Zero Value Authorization (ZVA) enables card validation and token generation without fund reservation, facilitating secure transactions with Opayo Direct Gateway.

Zero Value Authorization (ZVA) allows you to validate a card and generate a token without reserving or capturing any funds on the customer's card.

For Opayo Direct, Zuora initiates an AUTHENTICATE transaction with an amount of 0 and a flag to create a token. The gateway returns a token, which Zuora stores in its tokenization framework and associates with the customer's payment method.

After the payment method is created through ZVA, Zuora uses the stored Opayo token for subsequent payments. Raw card details are not sent to the gateway again for those transactions.

Only when the authorization amount is set to 0 does Zuora treat the request as a Zero Value Authorization (ZVA) and tokenize the payment method. Otherwise, Zuora performs a regular authorization for the specified amount.