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# Overview of Process payments

> This topic explains  how to process payments in Zuora using various integration methods and configure payment settings to meet your business needs.

This topic explains how to process payments in Zuora using various integration methods and configure payment settings to meet your business needs.

You can process payments through various approaches in Zuora, including Payment Forms, Payment Pages 2.0, Payment Links, JavaScript SDK integration, Payment Runs, API operations, and the Zuora UI. Payment processing is configured based on your payment settings.

With Zuora's payment architecture, you can:

* Support multiple integration approaches — including hosted payment pages, payment forms, JavaScript SDKs, direct API calls, and scheduled payment runs
* Use a range of payment methods and gateways, configurable per region and business need
* Configure retry logic, surcharge handling, and custom rules to align with your business policies
* Reconcile transactions between Zuora and merchant accounts
* Handle edge cases such as unapplied payments, delayed capture, and transaction errors