- 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
Screenshots
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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Great extension
Exactly as described. Really friendly and efficient support. Definitely recommended!
Thank you Linh againReview by Paul Gibson (Perth) (Posted on 1/8/2018) -
Great extension. Superb support
Extension does exactly what it says. Support is excellent. Super fast and helpful. Exactly what you would expect from any developer. Highly recommended.Review by Kevin Sheehan (Posted on 12/8/2017) -
A great extension with great customer service
Very helpful through testing to going live. Many thanks.Review by Jimmy Tran (Posted on 12/8/2017) -
working perfectly
We have configured the extension for NAB Direct Post with our client’s Merchant ID and Password. It appears to be working perfectly - thanks Linh again for your help!Review by Ayusha Joshi (Posted on 10/18/2017) -
Great extension and even better support
Very quick response after submitting a support ticket and with a good job for installation support as well as test the payment.Review by Robert Seite (Posted on 9/30/2017) -
Works like a charm
I purchased this extension and this extension works so good and the support is also appreciably. I would recommend this product.Review by Charles Proth (Posted on 9/7/2017) -
Great support / Customer Service
Installed the NAB extension worked out of the box no problem. We had to request support and obtain the latest version of the plugin only 24 hours before launching the site. Polacin responded almost immediately and got us up and running with no delay to launch.
Great customer support and Fast support.Review by Ben Athey (Posted on 7/15/2017) -
A good working
I installed it on a development instance based on Magento 2.1.6 CE. Overall, a good working and fairly priced extension. Thank youReview by Rajesh (Posted on 7/6/2017) -
Great support!
I found a few minor issues with the extension (Some caused by myself) but Lihn was right on the ball, and helped me to fix the issues in record times, even the issues caused by my own silly mistakes, Absolutely amazing support and service from Polacin. Recommend this extension.Review by Colleen Robinson (Posted on 3/30/2017) -
Work like a charm
We've purchased the NAB Transact from you and it's working fine.
Appreciated for your helpReview by Lorraine Rogers (Posted on 10/9/2016)