If 3D Secure 2.0 is required by the payment gateway and enabled on Hosted Pages in Zuora, then a Stored Credential Profile is required for new payment methods.
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PeakCommerce accomodates this by allowing an acknowledgement for Stored Credential Profiles to be configured and assigned to PeakCommerce Hosted Pages (which can be proliferations of the same Hosted Pages in Zuora). Because Hosted Pages are assigned at the profile level, then this acknowledgement can be used for some cohorts of customers and not used for others.
This Acknowledgement features a mandatory checkbox and custom verbiage. For any payment flows that use a PeakCommerce Hosted Page with this acknowlegement enabled, the end user will be required to agree to Stored Credential terms before adding the payment method or processing payment with the new payment method. The checkbox will be featured at the bottom of the Hosted Page.
The following details the steps to configure the Store Credential Profile checkbox.
Navigate to Company Settings > Acknowledgements. Click "+ New Acknowledgement."
Select the Stored Credential acknowledgement type. All that is needed is a Name (for internal reference), the text to show with the checkbox (customer facing), and the error message if this mandatory field is skipped (customer facing). If nothing is added for the Field Required Message, than PeakCommerce's default error message will be displayed.
Navigate to Payments > Hosted Pages. Create a new Hosted Page using the HPM's set up in Zuora, and select a Stored Credential Acknowledgement from the dropdown list.
Then anytime this Hosted Page is used within PeakCommerce, to add a payment method on file, to pay an invoice with a new payment method, or to checkout with a new payment method, this field will be mandatory.
The Hosted Page gets assigned to a Profile's Configurations, so that any e-commerce page or user with this profile will use the Stored Credential checkbox. Those with a different Hosted Page will not.
The end result is that the acknowledgement by the end user is tracked in PeakCommerce, and the Stored Credential profile is automatically set up in Zuora.
You can track a user's acknowledgements by "Viewing" the user in the admin user's lsit.