ACH tokenization
This document outlines approaches for creating tokenized ACH payment methods and details the mapping between Stripe and Zuora token fields.
To create tokenized ACH payment methods, use one of the following approaches. The mappings between token fields are as follows.
|
Stripe Field |
Zuora Field |
|---|---|
| Stripe Payment Method Id (starting with "pm_", such as pm_xxxxxxxx) | tokens > tokenId |
| Stripe Customer Id (starting with "cus_", such as cus_xxxxxxxx) | tokens > secondTokenId |
Approaches to creating tokenized ACH payment methods:
|
Approach |
Description |
Example |
|---|---|---|
|
Create a payment method API operation | Pass in existing tokens and masked account number Make sure the payment method is active and the account is valid, and then pass in the following information:
For other optional fields, see Create a payment method. Note:
To enable the support for passing in tokens and masked account number, submit a request at Zuora Global Support. |
|
|
UI |
Tokens will be automatically generated and stored for the payment method. | |
|
Hosted payment page |
Tokens will be automatically generated and stored for the payment method. |
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 gateway instance configuration page:
- Verify new payment method
- Verify updated payment method
ACH account verification
ACH with Stripe requires that a customer object and a bank account object exist for each customer account. If either does not exist, Zuora will generate one on your behalf and store it as a representative of your ACH account details for future use.
The bank account verification through Stripe using Stripe.js is not supported by Zuora’s Stripe gateway integration. To ensure ACH transactions work correctly, the verification of bank accounts must be turned off by Stripe for your merchant account. If the payment method was created before turning off the ACH account verification, the payment fails with the "cannot be used because it is not verified" error. You must create an ACH payment method to process the payment after turning off the verification. See Stripe's ACH Guide for more information.
ACH payment method verification is supported through the ValidiFi account validation service. See Enable the support for ValidiFi account validation for ACH for details.