TruPayments Billing Zones

Control where a payment method may be offered by matching the customer’s billing country and province/state.

Billing Zones define reusable geographic areas that payment rules can use when availability differs by customer billing location.

What this feature is for

Billing Zones answer a narrow but important question: “Is this payment method allowed for the customer’s billing address?” They group countries and, optionally, specific provinces/states so the same geographic rule can be reused by more than one Payment Method.

They do not control shipping, tax or where TruCommerce sells. Those jobs belong to TruCommerce geography and Shipping & Tax Zones. A customer can therefore be in a valid shipping zone but still have fewer payment choices because of a TruPayments Billing Zone.

A practical way to use it

Start from the business restriction: for example, “bank transfer only for Canada” or “this gateway only for Ontario”.
Create a Billing Zone with a staff-friendly name.
Add countries; select provinces/states only when the rule is narrower than the whole country.
Edit the relevant Payment Method and assign the Billing Zone.
Test checkout with an allowed address and a disallowed address.

How it connects to other features

The zone has no customer-facing effect until it is assigned to a Payment Method. If a method has no Billing Zones, it has no billing-zone restriction from this feature. Gateway availability can still be affected by method status, currency support and the gateway itself.

What to expect after changes

Changing zone membership can immediately broaden or narrow which customers are offered a payment method. Deleting a zone removes that restriction from methods that referenced it; review those methods afterward so a previously restricted method does not unintentionally become unrestricted.

What a Billing Zone is

A Billing Zone is a named group of billing addresses. It is useful when a payment provider, merchant account, bank-transfer option or business policy should only be offered in certain countries or regions.

Billing Zones belong to TruPayments only. They do not define TruCommerce shipping destinations or tax areas; TruCommerce has its own Zones for those jobs.

How matching works

Zone setup	What it means at checkout
Country selected, no Provinces / States selected	The entire country belongs to the zone.
Country selected with one or more Provinces / States	Only those selected provinces/states in that country match the zone.
Payment Method has no Billing Zones	The payment method has no billing-zone restriction and can be available everywhere, subject to its other rules.
Payment Method has one or more Billing Zones	The payer’s billing address must match at least one of the selected zones.

Set up a geographic payment restriction

Create a zone with a name staff will recognize, such as “Canada - Ontario” or “EU Billing”.
Add each country that belongs to the zone.
For a country-wide rule, leave Provinces / States empty. To restrict that country, select only the provinces/states that should match.
Save the zone, then edit the relevant Payment Method and select this zone under its billing-zone restrictions.
Test checkout with both an allowed and a disallowed billing address.

Example

If a bank-transfer method should be available only in Ontario, create a zone such as Canada - Ontario, add Canada, select Ontario under Provinces / States, then assign that zone to the bank-transfer Payment Method.

Deleting a zone can broaden availability

When a Billing Zone is deleted, TruPayments removes that zone from payment methods that reference it. If it was a method’s last billing-zone restriction, the method is no longer geographically restricted by Billing Zones. Review affected payment methods immediately after deletion.

Fields

Field	How to use it
Zone Name	Use a staff-friendly name that describes the intended market or rule.
Country	Adds a country to the zone.
Provinces / States	Optionally narrows that country to selected subregions. Leave empty for the whole country.

Payment Methods · Settings · TruCommerce Zones