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Zuora Payments

Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableZuora AIRelease NotesBasicsEntitlementsSupport and policies
Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableZuora AIRelease NotesBasicsEntitlementsSupport and policies

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Use cases

Configure 3DS in Modernized Zuora Payments

A step-by-step guide to walk you through how to enable 3DS in your payment flows with Modernized Zuora Payments.

Choose your 3DS-enabled payment flow

Depending on the payment service provider and the issuing bank, the payment flow can continue without additional payer action or can require the payer to complete an additional verification step before the payment continues. You can find more information in the 3D Secure overview in Modernized Zuora Payments.

Choose either of the following approaches to enable 3DS in your payment flow:

Test approach

After you configure 3DS, test the supported payment flow that applies to your implementation.

Depending on your implementation, testing can be part of a checkout-based flow or another supported payment flow that uses your configured payment connection, 3DS provider, and routing setup.

Use the setup guidance for your payment gateway integration when planning and running 3DS tests.

When you test 3DS, verify that the payment flow behaves as expected in the scenarios that apply to your implementation.

  • Payment flows that complete without an additional payer verification step.
  • Payment flows that require an additional payer verification step.
  • Final payment outcomes after the authentication step completes.

Configure agnostic 3DS flow

To configure 3DS, complete the following tasks in order:

  1. Set up a 3DS provider connection.

  2. Add the 3DS step to card routing.

  3. Activate card payment method in Checkout Builder.

Set up a 3DS provider connection

We use Cybersource 3DS as the 3DS provider in this example. You can use other 3DS providers that best meet your business needs.

  1. In the left navigation pane, navigate to Zuora Payments > Connections.
  2. Locate Cybersource 3DS and click Connect.
  3. Enter a name for the connection and select 3d secure for the Integration type field.
  4. Provide the following credential information in the applicable field

    Depending on the provider, the setup might include the following or more fields:

    • Organization ID
    • Secret
    • Shared Secret
    • Transaction identification from
    • Transaction expiration time (minutes)
  5. Set up costs and accounts as usual.
  6. Click Save.

Configure routing

  1. In the left navigation pane, navigate to Zuora Payments > Routing.
  2. Click Create new route, and enter a route name.
  3. Add a step to the route: Select Cybersource 3DS and click Select.
  4. For the Succeeded path, add Zuora Test Payment Gateway and click Select.
  5. Click Publish to publish the route.

Enable card in Checkout Builder

  1. In the left navigation pane, navigate to Zuora Payments > Checkout.
  2. Switch the Card toggle to active.
  3. Click Publish settings.

Configure integrated 3DS flow

To configure the integrated 3DS flow, complete the following tasks in order:

  1. Set up a payment connection that supports 3DS.

  2. Check your routing logic to ensure that 3DS is not a defined step in the route.

  3. Activate card payment method in Checkout Builder.

Set up a 3DS-enabled payment connection

You have obtained the 3DS credentials from your payment gateway and 3DS provider. If you require test credentials for the Zuora Test Payment Gateway, contact Zuora Global Support.

  1. In the left navigation pane, navigate to Zuora Payments > Connections.
  2. Locate Zuora Test Payment Gateway and click Connect.
  3. Enter a name for the connection, specify the necessary information, and select the 3DS Credentials checkbox.
  4. Provide the following information:
    • Merchant Name: Official or business name of the company or entity conducting the transaction.
    • Merchant URL: The merchant's website or online platform.
    • Merchant Country Code: Country where the payment needs to be processed, using ISO 3166-1 country codes.
    • MCC: Merchant Category Code provided by the acquirer to represent the merchant category.
  5. Provide the following information in the Acquirer BIN section:
    • Brand: Card brand this setup applies.
    • Acquirer BIN: Bank Identification Number used to clear and settle the transaction, together with the country where it is licensed for use; this value is brand-specific.
    • Acquirer Merchant ID: Affiliation number provided by the acquirer.
    • Processing Channel ID (optional)
    • Acquirer Country Code
    • SIRET (optional)
  6. Provide the following information in the Requestor ID (optional) section:
    • Brand (optional)
    • Requestor ID (optional)
    • Requestor Name (optional)

Enable card in Checkout Builder

  1. In the left navigation pane, navigate to Zuora Payments > Checkout.
  2. Switch the Card toggle to active.
  3. Click Publish settings.

Test a 3DS-enabled payment flow

Complete the 3DS configuration tasks for your payment connection, 3DS provider, and routing setup. If your implementation uses checkout, make sure card payments are activated for the flow that you want to test.

  1. Start a test payment by using the supported payment flow for your implementation.
  2. Submit the payment by using the payment connection, 3DS configuration, and routing setup that you configured for 3DS.
  3. Verify that the payment flow completes without requiring an additional payer verification step.
  4. Confirm the final payment outcome for the test transaction.

The payment flow completes without an additional payer verification step, and the final payment outcome reflects the result of the transaction.

How-to
Payments
Modernized Zuora Payments

Last updated: October 31, 2026