Zuora processes these transaction in the following order of priority:

• Network token

  • Used whenever available and supported.
  • Provides:
    • An uplift in success rate
    • Improved safety and security.
  • Can be reused across multiple supported gateways, because it is issued by the card network.
• Gateway payment method identifier
• • Used when a network token is not available or cannot be used.
  • Is specific to one gateway:
    • A gateway token from Gateway A cannot be used at Gateway B.
  • If invalid, Zuora falls back to another method

• Raw PAN

  • Used when neither the network token nor the gateway payment method ID can be used.
  • Provides a final way to attempt the transaction, but is the least preferred from a security and optimization standpoint.