Batch Gateway Reconciliation overview
Learn about the process of verifying electronic payment and refund transactions in Zuora with gateway reconciliation, including supported gateways and real-time reconciliation options.
What is Gateway Reconciliation
Gateway reconciliation is the process of verifying that the electronic payment and refund transactions processed in Zuora match the transactions reported by the gateway. For example, if Zuora processed 200 transactions through a gateway, you should see the same number of transactions on the gateway's reconciliation report, sometimes also called the settlement report.
A settlement report usually includes events from the following three stages of a payment's lifecycle:
Processing event indicating that Zuora submitted the payment to the gateway.
Settlement event indicating that the payment has been successfully debited from the payer and credited to the payee. For credit cards, settlement can take up to three business days. With some payment methods, like direct debit, it's possible that settlement fails.
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Post-settlement events are usually exceptions, like chargebacks for credit cards and reversals for other payment methods. These types of events indicate that the customer has taken an action through their bank that affects the payment.
Zuora gateway integrations that support Batch Gateway Reconciliation
Batch Gateway reconciliation is currently supported by the following gateways.
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Adyen
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BlueSnap
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Chase Orbital
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Checkout.com
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Citi
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CyberSource, Payment API v2.0
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GoCardless
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PayPal Express Checkout
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SlimPay
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Vantiv (Now Worldpay) Payment Gateway
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Worldline Global Collect
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Worldline Global Collect Legacy - Reconciliation Only
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Access Worldpay and WorldPay 1.4 (See Configuring Worldpay Gateway Reconciliation for details.)
If you have the Multi-entity feature enabled, you must apply for a merchant account for each entity. Use the corresponding merchant ID to configure the payment gateway instance for each entity.
Real-Time Reconciliation
In addition to batch Gateway Reconciliation described in this article, Zuora also provides Real-Time Reconciliation. With Real-Time Reconciliation enabled, payment gateway can submit notifications to Zuora for various event types on gateway objects, and the corresponding records can be automatically updated in real-time. See Real-Time Reconciliation for more details.