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Re: Difference between "Payment transaction log" and "payment method transaction log&

TrixabelleCP
Valued Scholar

Difference between "Payment transaction log" and "payment method transaction log"

I'm trying to get info from Zuora reporting / data exports regarding types of credit card payment failures.

 

There are 2 data sources that look useful ("Payment transaction log" and "payment method transaction log") but they return inconsistent data (eg the payment transaction log only reports 3 failures due to AVS checks and the payment method log reports 224 such issues).

 

Can anyone explain in basic terms the different between the two and why payment method transaction log has many more records in it.

 

Thanks.

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Accepted Solutions
Richard
Zuora Staff

Re: Difference between "Payment transaction log" and "payment method transaction log&

The payment method transaction log is focused on recording what happens during card capture, so it records the success or failure of the card authorization. 

 

The payment transaction log records what happens when Zuora asks your gateway(s) for a payment. This can only ever happen if the card made it past card auth (and so you'll find a success message for the auth in the PMTxnLog).

 

Since either card auth or payment request might fail with an address verification check you see both popping up in the two logs. Assuming most people are honest most of the time then when they sign up and Zuora captures the card details they correctly record where they live and so AVS usually passes and so you have only three failures recorded. But then they move, tell the card company they moved, but don't tell you they moved and now you might have an AVS failure in the payment txn log. But the request/response and gateway return codes will give you details on what actually happened. The codes and messages can be opaque, your gateway should have more details and specific failures probably need to discussed with your gateway. At Zuora we just ask the gateway nicely (in the request field) and we record whatever the gateway tells us (in the response field) but we don't have any more information than that. 

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1 REPLY 1
Richard
Zuora Staff

Re: Difference between "Payment transaction log" and "payment method transaction log&

The payment method transaction log is focused on recording what happens during card capture, so it records the success or failure of the card authorization. 

 

The payment transaction log records what happens when Zuora asks your gateway(s) for a payment. This can only ever happen if the card made it past card auth (and so you'll find a success message for the auth in the PMTxnLog).

 

Since either card auth or payment request might fail with an address verification check you see both popping up in the two logs. Assuming most people are honest most of the time then when they sign up and Zuora captures the card details they correctly record where they live and so AVS usually passes and so you have only three failures recorded. But then they move, tell the card company they moved, but don't tell you they moved and now you might have an AVS failure in the payment txn log. But the request/response and gateway return codes will give you details on what actually happened. The codes and messages can be opaque, your gateway should have more details and specific failures probably need to discussed with your gateway. At Zuora we just ask the gateway nicely (in the request field) and we record whatever the gateway tells us (in the response field) but we don't have any more information than that. 

View solution in original post