Supported payment methods

This section provides more information about some of the supported payment method types.

Apple Pay

The Worldpay 1.4 payment gateway integration supports Apple Pay. You can set up Apple Pay through any of the following approaches:

• Payment Form: Use Zuora's Payment Form feature to add Apple Pay to your hosted payment form.

• Zuora JavaScript SDK: Add Apple Pay to your checkout flow and process payments by integrating with a JavaScript SDK provided by Zuora.

• "Create an Apple Pay payment method" API operation: Create an Apple Pay payment method and you need to implement your own UI and payment processing integration.

The created Apple Pay payment method is shown as a Credit Card payment method in Zuora.

For more information on the implementation instructions, see the following articles:

• Payment Form

• Set up Apple Pay through the JavaScript SDK approach

• Create an Apple Pay payment method API Reference

Google Pay

The Worldpay 1.4 payment gateway integration supports Google Pay. You can set up Google Pay through either of the following approaches:

• Payment Form: Use Zuora's Payment Form feature to add Google Pay to your hosted payment form.

• Zuora JavaScript SDK: Add Google Pay to your checkout flow and process payments by integrating with a JavaScript SDK provided by Zuora.

The created Google Pay payment method is shown as a Credit Card payment method in Zuora.

For more information on the implementation instructions, see the following articles:

• Payment Form

• Set up Google Pay with Zuora JavaScript SDK

Credit Card

You can create non-tokenized Credit Card payment methods with card information through the UI, API operation, Payment Pages 2.0, or Payment Form. For more information about setting up payment methods in Zuora, see Define and set up payment methods .

Additionally, you can save any combination of a Worldpay token and clear PAN data for Credit Card payment methods. You can also request Worldpay tokens for existing cards on file. See Tokenize Credit Card payment methods on Worldpay 1.4 for more information.

Credit Card Reference Transaction

For Credit Card Reference Transaction (CCRef) payment methods, Zuora uses the shopper token but not the merchant token. The following operations are supported by CCRef payment methods:

• Credit token

• Verify a token - The Token ID and Second Token ID fields in Zuora are required by Worldpay in order to verify a token.

• Capture a payment using a token

• Refund payment

To enable the Credit Card Reference Transaction payment methods, contact Zuora Global Support .

Support for 3D Secure 2.0

Worldpay 1.4 and Access Worldpay support 3D Secure 2.0 (3DS2) feature. See the following articles for more information:

• Enable 3DS2 for Worldpay 1.4

• Enable 3DS2 for Access Worldpay

• Zuora's implementation of 3D Secure 2.0

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 Worldpay 1.4 payment gateway integration supports Delayed Capture for Credit Card, Apple Pay, and Google Pay payment methods, which involves the use of the following API operations:

• Create authorization

• Create a payment to capture the payment or Cancel authorization

Worldpay always returns a positive result for a capture request, causing Zuora to create a processed payment. To maintain accurate payment statuses, Zuora updates the payment status based on the reconciliation result. Make sure Batch Gateway Reconciliation is enabled.

Zuora also supports capturing authorizations that were generated externally by using Zuora's Create authorization API operation.

Support for stored credential profiles

Worldpay 1.4 and Access Worldpay include support for the Stored Credential Transactions framework and the sharing NTI feature. For details, see Support for stored credential transactions overview .

Support for Gateway Reconciliation

To enable and configure Gateway Reconciliation on Worldpay 1.4 or Access Worldpay, see Configure Worldpay Gateway Reconciliation for more information.

Support for Payment Method Updater

To set up the Worldpay Payment Method Updater service in Zuora, see Configure Worldpay Payment Method Updater for more information.

Additional gateway information

Order Number

If an order ID is passed in a Zuora API call, this ID has to be unique for each payment. If no ID is passed in, Zuora will generate a 32-character random alphanumeric value for Payment Method creation, or use our internal IDs (constructed as tenant ID + payment number) for Payment creation requests, to ensure uniqueness.

Reverting a Payment

It’s recommended to use the void payment option within 15 minutes of the payment request, and only use the refund option after 90 minutes has elapsed. Worldpay doesn’t indicate if an order qualifies for void or refund in the void/refund response, so Zuora marks the void/refund request as processed to indicate the gateway received the request, regardless of whether the request will succeed or fail later on.

Email Notifications

Worldpay supports sending order notifications and financial reports by email to the merchant. This feature is implemented and maintained by Worldpay.

Limitations

For Access Worldpay:

• JCB, Diners Club, and Discover credit cards are available only for US transactions. Access Worldpay has acquiring capabilities for US domestic for only these 3 card types.

• JCB and Diners Club cards do not currently support the $0 default authorization amount.

• 3DS2 offering will fallback to 3DS1 if the card issuer does not yet support 3DS2 or the deviceData.collectionReference value is not included in the authentication request.

• Payouts (credit transactions) are only supported by Visa and Mastercard card brands.

• A delay of up to 15 minutes is applicable after you successfully verify a payment method before you can actually make a payment. Attempting to create a payment immediately after verifying a payment method will result in a 404 error. Similarly, this delay is also applicable between successfully submitting a payment and attempting to immediately refund or cancel the payment.

• Your Access Worldpay credentials must have Fast Access supported to enable the Fast Access payouts feature. Fast Access allows payouts or credit operations to be received within 30 minutes for supported payment methods. Payment methods that do not support Fast Access will default to Standard Payouts which process within 3-5 days. To find out if your credentials are enabled for Fast Access, contact an implementation manager for Access Worldpay.

Related information

• Set up and configure a Worldpay 1.4 gateway instance

• Set up and configure an Access Worldpay gateway instance

• Credit Card field mapping between Zuora and Worldpay