This answer may be outdated. Both Visa and Mastercard want you to use a $0 Verification Authorizations -- you will actually be charged more if you do a $1 Verification Autorization and that verification will stay on the customer's account for up to two weeks. I ran an in-house billing system through Chase and we had to make this update to $0 auths years ago. Discover and Amex do not support $0 Verification Authorizations and you must issue a $1 Verification auth for those two. Note that the way Zuora Payment Gateway setup has one field for 'Default Authorization Amount' which can be 0 or 1 (or something else for some reason), so if you want to do $0 auth for visa/mastercard and $1 auth for discover/amex, you must set up 2 separate Payment Gateways using the same merchant id. Here is the visa documentation for $0 auth.: https://usa.visa.com/dam/VCOM/global/support-legal/documents/acct-numb-verif-service-a-quick-method-to-verify-accounts-vbs-07-jun-16.pdf
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