- Accept online credit card payments through National Australia Bank (NAB) with a Magento 2–ready integration.
- Flexible integration options with Direct Post or XML API, allowing merchants to choose the most suitable payment flow.
- Enhance payment security with EMV 3D Secure (3D Secure v2) support available in Direct Post integration.
- Keep sensitive card data protected by leveraging NAB’s secure payment infrastructure.
- Support Visa and Mastercard by default, with optional activation for American Express, Diners Club, and JCB through NAB.
- Designed for Australian merchants, suitable for startups, growing businesses, and enterprise Magento 2 stores.
- Proven stability with long-term compatibility across multiple Magento 2 versions and environments.
NAB Transact EMV 3D Secure - Magento 2
Key Benefits
Overview
NAB Transact EMV 3D Secure - Magento 2 is a secure and flexible payment extension that allows merchants to process credit card payments using NAB Transact as the payment processor.
The extension supports two integration options: Direct Post and XML API, enabling merchants to choose the payment flow that best fits their business and technical requirements. Visa and Mastercard are supported by default, with optional activation for American Express, Diners Club, and JCB through NAB.
For enhanced security, the extension supports EMV 3D Secure (3D Secure v2) authentication when using the Direct Post integration, helping reduce fraud and chargeback risks on card-not-present transactions. The XML API option is designed for server-to-server payment processing and does not include 3D Secure authentication.
NAB Transact is suitable for startups, small to medium businesses, as well as large-scale Magento 2 merchants, offering reliable performance, strong security standards, and easy integration.
Payment options
NAB Transact Direct Post
Allows customers to enter their credit card details directly on your Magento 2 checkout page while transactions are securely processed by NAB Transact.
NAB Transact XML API
Provides a server-to-server integration for processing credit card payments via NAB Transact, offering greater control and customization for advanced payment workflows.
Key Features
NAB Transact Direct Post Integration
- Allows customers to enter credit card details directly on your Magento 2 checkout page.
- Payment data is securely transmitted to NAB Transact using Direct Post.
- Supports EMV 3D Secure v2 (EMV 3DS) authentication.
- Enables frictionless flow and customer challenge when required.
- Supports Visa and Mastercard by default.
- Optional activation for American Express, Diners Club, and JCB (subject to NAB approval).
- Secure checkout with encrypted payment credentials.
- Automatic order creation and invoice generation.
- Online refund support via NAB Transact.
- Works in Test and Production environments.
- Supports multiple Magento 2 stores, websites, and unlimited domains.
- SSL certificate support required.
NAB Transact XML API integration
- Server-to-server payment integration using NAB Transact XML API.
- Designed for merchants requiring advanced control over payment processing.
- Supports authorisation and capture transaction flows.
- Accepts major credit cards supported by NAB Transact.
- Secure transaction handling with encrypted API credentials.
- Automatic order creation and online refund support.
- Does NOT support EMV 3D Secure authentication.
- Suitable for backend or custom checkout implementations.
- Works in Test and Production environments.
- Supports multiple stores, websites, and unlimited domains.
- SSL certificate support required.
EMV 3D Secure (3D Secure v2) Support
- Supports EMV 3D Secure protocol v2.1.0.
- Enables frictionless authentication for low-risk transactions.
- Triggers customer challenge (OTP / verification) only when required.
- Helps shift fraud liability based on authentication results.
- Improves approval rates while maintaining a secure checkout experience.

Installation
Follow the steps below to install the NAB Transact Payment Gateway extension on your Magento 2 store.
1. Extract the extension files into the following directory:
app/code/PL/Nab/
2. Open a terminal and navigate to your Magento root directory, then run the following commands:
php bin/magento setup:upgrade
php bin/magento setup:static-content:deploy -f
php bin/magento cache:clean
After completing these steps, the extension will be available in the Magento Admin Panel for configuration.
Test Environment
If you would like to see how the NAB Transact Payment Gateway works with Magento 2, please contact our team to request a demo or access the test environment.
Email: sales@polacin.com
The following test credit card numbers can be used in the NAB Transact test environment for development and testing purposes only.
Standard Test Card
Visa: 4111 1111 1111 1111
EMV 3D Secure Test Cards (Direct Post Only)
These test cards are applicable only when using the NAB Transact Direct Post payment option with EMV 3D Secure enabled.
Frictionless Flow
5248 4800 0020 0001
Challenge Flow (SMS OTP)
5248 4800 0021 0026
Test Payment Amounts
Use the following transaction amounts to simulate approved payments:
$1.00
$1.08
$105.00
$105.08
(Any amount ending with 00 or 08 will return an approved response in the test environment.)
Release Notes
Version 2.1.3 – February 1, 2024
- Fixed the “Class Zend_Http_Client not found” issue for NAB Transact XML API integration.
Version 2.1.2 – December 16, 2023
- Resolved PHP deprecated functionality warnings to improve compatibility with newer PHP versions.
Version 2.1.1 – April 19, 2023
- Added EMV 3D Secure configuration option for NAB Transact Direct Post integration.
Version 2.1.0 – September 5, 2022
- Added notification alert when a new extension version is available.
- Introduced EMV 3D Secure support for Direct Post payment method.
Version 2.0.7 – January 9, 2020
- Improved overall stability for NAB Transact Direct Post transactions.
Version 2.0.6 – November 15, 2018
- Fixed multiple bugs related to NAB Transact Direct Post integration.
Version 2.0.5 – September 6, 2018
- Fixed full-page caching issue affecting NAB Transact Direct Post checkout.
Version 2.0.4 – August 7, 2018
- Added initial 3D Secure functionality for supported card schemes.
Version 2.0.3.1 – June 14, 2017
- Updated the host name for the NAB Transact test environment.
Version 2.0.3 – March 17, 2017
- Fixed compilation errors during generated code deployment.
- Encrypted the password field in the Magento configuration section.
- Added SSL certificate support.
Version 2.0.2 – July 21, 2016
- Bug fixes and general stability improvements.
Version 2.0.1 – June 4, 2016
- Initial release of the NAB Transact Payment Gateway for Magento 2.
FAQs
What happens if the very payment step (Step 2) fails? How does NAB handle that? Does it make a callback or just only a success response?
What is NAB Transact for Magento 2?
NAB Transact for Magento 2 is a payment gateway extension that allows Magento 2 stores to process online credit card payments through National Australia Bank (NAB).
NAB Transact for Magento 2 is a payment gateway extension that allows Magento 2 stores to process online credit card payments through National Australia Bank (NAB).
Yes. The extension supports EMV 3D Secure v2, helping merchants reduce fraud and comply with modern card authentication requirements.
What is the difference between Direct Post and XML API?
- Direct Post allows customers to enter card details directly on the Magento checkout page.
- XML API provides a server-to-server integration for merchants who need advanced control over payment processing.
Both methods are processed securely through NAB Transact.
Which credit cards are supported?
Visa and Mastercard are supported by default. American Express, Diners Club, and JCB can be enabled after activation from NAB.
Is customer card data stored on the Magento server?
No. Sensitive card data is handled by NAB Transact and is not stored on the Magento server.
Can I use this extension in NAB test and live environments?
Yes. The extension supports both Test (Sandbox) and Live (Production) environments.
Does the extension support multiple Magento stores and domains?
Yes. A single license supports multiple stores, websites, and unlimited domains.
Does NAB Transact XML API support EMV 3D Secure?
Customer Reviews
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Seamless and Secure Payment for Australian Customers
I recently integrated the NAB Transact module into my Magento 2 store and I’m extremely satisfied. The setup was straightforward and the module works flawlessly with NAB’s payment system. Payments are secure, transactions process quickly, and my Australian customers appreciate the familiar banking option. Highly recommended for any Magento store targeting the Australian market!Review by Sarah Mitchell (Posted on 4/24/2026) -
Great extension great support
I am delighted with the seamless performance of this extension on my website, and I greatly appreciate the exceptional customer support provided by Polacin. The high-security features of the extension have exceeded my expectations.Review by Nicholas Georgina (Posted on 10/9/2023) -
Fantastic plugin
The plugin is fantastic, and Polacin support is top-notch. The plugin performs exceptionally well on my website, providing our customers with a seamless checkout processReview by Robin Bromley (Posted on 8/25/2023) -
Great plugin for NAB transact
Its working fine for me so far. I will update the review after 1 month. Hopefully all goes wellReview by Scott Goldberg (Posted on 10/13/2022) -
Perfect!
It worked straight away after installing. You are a legend.
Thanks mateReview by Kieran Rabbitt (Posted on 7/12/2021) -
Great plugin
We have just gone live and tested, it is working correctly now. Thanks a lot for your help with this, and the quick turnaround time. Always a pleasure to work with Polacin.Review by Geoffrey Howells (Posted on 8/6/2020) -
Great Support
It is working as advertised. Linh (Polacin Support) helped me to install the plugin and configure the NAB payment details. Thank you for providing me a great supportReview by Thomas Murphy (Posted on 1/15/2020) -
Best NAB Transact plugin
It works extremely well for 3d secure. The developers did a great job making sure it does not interfere with other extensions.
When we requested assistance from the support team, the issue was resolved quickly.Review by Chris Phan (Posted on 10/8/2019) -
great support
Maybe i got a browser or connection problem. Thank you for the quick reply and help. it’s working perfectly nowReview by Robin Jackson (Posted on 12/15/2018) -
Extension works great
We had some custom code on the site that was changing the status of all guests to customers and I believe this cause a conflict with your extension. We fixed this custom code and the extension appears to work as expected now.Review by Shane Smith (Posted on 2/23/2018)
