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Zuora Payments

Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies
Zuora BillingZuora PaymentsZuora PlatformZuora CPQZephrZuora RevenueAccounts ReceivableRelease NotesBasicsEntitlementsSupport and policies

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Real Time Account Updater

Enable Real Time Account Updater on the Checkout.com payment gateway integration

Zuora's integration with Checkout.com's Real-Time Account Updater ensures that credit card information is automatically updated during transactions, enhancing payment accuracy and efficiency.

Zuora supports integration with Checkout.com Real-Time Account Updater for credit card transactions processed through the Checkout.com payment gateway integration. When Real-Time Account Updater is enabled in both Checkout.com and Zuora, Zuora receives the latest card information in the payment response from Checkout.com whenever a credit card is updated, and Zuora updates the card information accordingly. If Real-Time Account Updater is enabled only in Checkout.com, Zuora does not acknowledge the update in the payment response.

The following card update scenarios are supported:

  • The card number changes.

  • The card expiration date changes.

  • The card is closed by the issuer and is no longer valid. The invalid card appears in the payment method list with the status Closed.

  • The card is updated, but the updated details are not available in the Account Updater service. In this case, contact the cardholder to obtain the updated card information.

  1. Download the following public key files from this article. You use these files to enable Real-Time Account Updater in Checkout.com in the next step.
  2. Contact the Checkout.com Support team to enable Real-Time Account Updater for your merchant account.

    Include the following information and file in your request:

    • A request to enable Real-Time Account Updater.

    • A request to receive the encrypted_card_number field in the payment response.

    • The public key file that you downloaded in the previous step.

  3. In Zuora, set up or configure a Checkout.com payment gateway instance.
  4. Contact Zuora Global Support to enable Real-Time Account Updater for your tenant in Zuora.

To test the Real-Time Account Updater setup, use the test card numbers provided in the Checkout.com documentation.

Zuora supports all card networks supported by Checkout.com for the Real-Time Account Updater feature. For other detailed requirements, see the Checkout.com documentation.

Last updated: May 25, 2026