If you use your HPM 2.0 integration for a one-time, cardholder-initiated payment flow and you want Zuora to create an Unscheduled stored credential profile, specify the agreement type when you create the payment method.

Use the following example in your HPM 2.0 integration:

Z.setAgreement("External", "Unscheduled", "Visa,Mastercard,Discover,AmericanExpress");

In this example:

• External indicates that the consent agreement was established outside Zuora.

• Unscheduled indicates that the stored credential profile is intended for one-time or ad hoc follow-up use, rather than for a recurring payment schedule.

• The card brand list identifies the supported card brands for the agreement.

When you configure this flow correctly, Zuora creates a single Unscheduled stored credential profile for the payment method and stores the associated NTI that the gateway returns. For subsequent payments in the same flow, Zuora reuses the same stored credential profile and NTI instead of creating a new profile.

When you process the subsequent payment, use C_Unscheduled as the mitTransactionSource value.

If your integration does not specify Unscheduled during payment method creation, the resulting stored credential profile might not match your intended one-time transaction flow. Review your HPM 2.0 integration to verify that the agreement type and the subsequent payment settings align with your stored credential use case.