Payment method eligibility for the Payment Method Updater
The Payment Method Updater (PMU) submits eligible credit cards to a PMU provider for updates. Before submission, Zuora validates each payment method and filters out cards that the provider cannot process.
When a PMU run starts, Zuora compiles all candidate payment methods, validates each one, and removes any payment method that does not meet the provider's requirements. Zuora then formats the remaining payment methods into a batch file and submits the file to the PMU service for updates. You can also run multiple PMUs at the same time to cover different card types or providers.
Card type selection
On the PMU configuration page, you choose which card types to include in a run by selecting the corresponding checkboxes. You can update Visa cards, Mastercard cards, or both. American Express cards can be updated only through the American Express PMU and are not available on any other provider's PMU.
Validation rules applied before submission
Zuora filters out a credit card from the batch file when any of the following conditions are true:
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The card type is not eligible. Zuora filters out card types that the PMU provider does not support. Most providers support Visa and Mastercard only. Zuora also filters out Visa or Mastercard payment methods if the Visa Account Updater or Mastercard Automatic Billing Updater is not enabled in the payment method updater configuration under Updater Services.
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The card number does not follow the Luhn algorithm. Zuora uses the Luhn algorithm to verify the accuracy and validity of credit card numbers.
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The card number length is not valid for the credit card type.
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The card type does not match the card number format. For example, a card cannot be marked as Visa if its number matches the Mastercard format. Zuora treats this as a mismatch and does not submit the card for updates.
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The card does not have a valid expiration date. For example, the expiration date cannot be
00/00.
After Zuora excludes invalid credit cards, the batch file is ready for submission. Zuora automatically formats and submits the file to the PMU provider.
Running multiple updater instances
You can configure multiple PMUs to run simultaneously by marking each one as active. Zuora schedules and runs only the PMUs that are marked as active, and there is no default PMU.