Paystack payment gateway integration
The Paystack payment gateway integration supports various features including Credit Card payment methods, 3D Secure 2.0, Delayed Capture, and Real-Time Reconciliation, specifically tailored for South Africa.
Supported features
The following table provides a quick reference for the supported features.
Supported payment methods | Credit Card |
|---|---|
Supported payment operations | Payment Referenced refund |
Supported payment method | Bank Transfer – Paystack Direct Debit |
Mandate creation | Yes |
Support 3D Secure 2.0 | Yes |
Support Delayed Capture | Yes |
Support Level 2 and Level 3 card data | No |
Support stored credential transactions | No |
Support Gateway Options fields | No |
Gateway provider’s API version | V1 |
Gateway provider’s production endpoint used for Zuora gateway integration service | https://api.paystack.co |
Support Batch Gateway Reconciliation | No |
Support Real-Time Reconciliation | Yes |
Support Payment Method Updater | No |
Support idempotency for retrying a transaction request automatically | No |
Support for void operations | No |
Supported payment methods
The Paystack payment gateway integration supports Credit Card and Bank Transfer – Paystack Direct Debit payment methods specifically for South Africa. Paystack Direct Debit is available for transactions in ZAR. Paystack payment gateway integration supports Credit Card payment methods, including the following card brands:
- VISA
- MasterCard
- American Express
You can create Credit Card payment methods by using the Hosted payment page approach.
For more information, see Create payment methods on Paystack.
Support for 3D Secure 2.0
The Paystack payment gateway integration provides support for 3DS2 through the Payment Pages 2.0. For more information, see Create payment methods on Paystack.
Support for Delayed Capture
The Delayed Capture feature allows you to authorize the availability of funds for a transaction but delay the capture of funds until a later time. The Paystack payment gateway integration supports Delayed Capture for Credit Card payment methods, which involves the use of the following API operations:
- Create authorization
- Create a payment to capture the payment or Cancel authorization
Zuora also supports capturing authorizations that were generated externally by using Zuora's Create authorization API operation.
Support for mandate creation
Zuora supports mandate creation for Paystack Direct Debit payment methods.
When you collect Paystack Direct Debit details through Hosted Payment Method or Hosted Payment Form flows, the customer must provide the required legal consent. Zuora creates the Paystack EFT Debit Order mandate before saving the payment method.
After Paystack creates the mandate, Zuora stores the mandate code and its active state with the payment method. Zuora uses the active mandate for subsequent Paystack Direct Debit payments.
Supported payment flows
After you create and save an active Paystack Direct Debit payment method, you can process payments through the following flows:
| Payment from the Zuora UI | Yes |
| Payment through the Zuora REST API | Yes |
| Payment Run from the Zuora UI | Yes |
| Payment Run through the Zuora REST API | Yes |
Paystack Direct Debit payments use the active mandate associated with the payment method.
Mandate lifecycle
When you close or delete a Paystack Direct Debit payment method, Zuora suspends the associated mandate so that it cannot be used for new payments.
To resume payment processing, create or reactivate the payment method only after the mandate is active again in Paystack.
Support for Real-Time Reconciliation
The Paystack payment gateway integration supports Real-Time Reconciliation. For Paystack Direct Debit, Zuora uses reconciliation events to process successful and failed mandate-based payment outcomes and update the related payment records.
For more information, see Real-Time Reconciliation on Paystack.