<p>This extension allows you to use <strong>NAB Transact</strong> as a credit card processor. You can process Visa and Mastercard by default, and optionally accept American Express, UnionPay (UPOP), Diners Club and JCB after activation from NAB. The gateway also supports <strong>Subscriptions,</strong> <strong>refunds</strong>, <strong>risk management</strong>, <strong>3D Secure v2 (EMV)</strong> and <strong>pre-authorization</strong>.</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2012/03/Screen-Shot-2012-03-28-at-15.58.56.png"><img class="aligncenter size-full wp-image-17067" title="Screen Shot 2012-03-28 at 15.58.56" src="https://woocommerce.com/wp-content/uploads/2012/03/Screen-Shot-2012-03-28-at-15.58.56.png" alt="" width="524" height="81" /></a></p>
<p>As of version 2.0, this gateway supports both <strong>Direct Post</strong> and <strong>XML API </strong>integration methods offered by NAB Transact.</p>
<h2>Direct Post</h2>
<p>Using the Direct Post method, after checkout your customers will be directed to an additional page on your website (with all of your branding/header etc) which accepts their credit card details. These details are sent directly to NAB servers, bypassing your server and the need to worry about PCI-DSS compliance. If the user chooses to pay with UnionPay (UPOP), they will be redirected to an additional external page to complete payment.</p>
<h2>XML API</h2>
<p>Using the XML API method, customers enter their credit card details directly on the checkout page. This is a more streamlined checkout, however you will be responsible for being PCI-DSS compliant. This method cannot support UnionPay (UPOP) or 3D Secure v2 (EMV).</p>
<h2>Additional functionality</h2>
<ul>
<li><strong>Subscriptions: </strong>The NAB Transact gateway fully supports Subscriptions functionality.</li>
<li><strong>Refunds: </strong>The NAB Transact gateway supports full and partial refunds.</li>
<li><strong>Risk management: </strong>The NAB Transact gateway supports Risk Management functionality offered by NAB Transact.</li>
<li><strong>Pre-authorization: </strong>The NAB Transact gateway supports pre-authorization checkouts (where the funds are not captured immediately). With this option enabled, simply change the order status to Processing or Completed to capture the payment automatically.</li>
</ul>
<ul>
<li><a href="https://www.nab.com.au/business/payments-and-merchants/ecommerce-and-online">Gateway Website</a></li>
<li><a href="https://woocommerce.com/document/nab-transact/" target="_blank" rel="noopener noreferrer">View Documentation</a></li>
</ul>

NAB Transact

<p>Take payment via NAB Transact (Direct Post or XML API)</p>

<h2 style="color: #f5247d">Easily accept credit cards with USA ePay</h2>
<p>The WooCommerce USA ePay payment gateway extension provides a completely integrated checkout experience between WooCommerce and USA ePay. Payments take place directly on your website so you have maximum control over what the checkout looks like, and customers never have to leave your site to make a payment.</p>
<ul class="wccom-tick-list-primary">
<li><strong>Process refunds / voids</strong> automatically from within WooCommerce</li>
<li><strong>Capture prior authorized transactions</strong> right from the WooCommerce edit order screen</li>
<li><strong>Customers can securely save their payment method</strong> to their account for easier checkout</li>
<li>Full Support for WooCommerce Subscriptions</li>
<li>Full Support for WooCommerce Pre-Orders</li>
<li>Force charges for orders with only virtual items instead of authorizing them</li>
<li>Automatically capture transactions when order status changes to a paid status</li>
<li>Updated payment form at checkout with retina icons</li>
<li>Adds a <strong>mobile-friendly checkout</strong> with numerical inputs for card type and security code</li>
<li>Show detailed decline messages at checkout instead of generic errors</li>
<li>Customers never leave your site during checkout</li>
<li>Accept Major Credit Cards / Debit Cards – Visa®, MasterCard®, American Express®, Discover®, Diner’s, JCB</li>
</ul>
<hr />
<p><a href="https://woocommerce.com/wp-content/uploads/2012/06/woocommerce-bambora-payment-form.png"><br />
<img class="aligncenter size-large wp-image-1046330" src="https://woocommerce.com/wp-content/uploads/2012/06/woocommerce-bambora-payment-form.png?w=950" alt="WooCommerce USA ePay checkout" width="950" height="885" /><br />
</a></p>
<h3>Simple, Integrated Checkout</h3>
<p>Using the USA ePay extension allows you to decide what your checkout process will look like, while keeping the customer on your site for the entire process. This gives you maximum control over this experience, providing a slick checkout process for the user and maximum customizability for the business owner.</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2012/06/woocommerce-bambora-payment-form.png"><br />
<img class="aligncenter size-large wp-image-1046330" src="https://woocommerce.com/wp-content/uploads/2012/06/woocommerce-bambora-payment-form.png?w=950" alt="WooCommerce USA ePay checkout" width="950" height="885" /><br />
</a></p>
<p>Mobile checkout is enhanced as well, offering automated card formatting and numerical (tel type) fields for easier input.</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2016/04/woocommerce-payment-gateway-skyverge-mobile-credit-card-form.png"><br />
<img class="size-large aligncenter wp-image-169768" src="https://woocommerce.com/wp-content/uploads/2016/04/woocommerce-payment-gateway-skyverge-mobile-credit-card-form.png?w=568" alt="WooCommerce SkyVerge Payment Gateway mobile checkout form" width="400" height="668" /><br />
</a></p>
<p>You can now opt to show detailed decline messages to your customers, no more “an error occurred” error messages!</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2013/04/woocommerce-authorize-net-cim-detailed-decline.png"><br />
<img class="size-medium aligncenter wp-image-158045" src="https://woocommerce.com/wp-content/uploads/2013/04/woocommerce-authorize-net-cim-detailed-decline.png" alt="WooCommerce USA ePay detailed decline messages" width="550" height="225" /><br />
</a></p>
<h3>Support for Automatic Refunds & Voids</h3>
<p>Shop employees can now process refunds for an order paid for with USA ePay directly from within WooCommerce — no more logging into your merchant account to process refunds. Speed up your store management by creating full or partial refunds from the Edit Order screen and sending the transaction automatically to USA ePay by clicking “Refund via Credit Card.” If the transaction has not been captured or settled, a <strong>transaction void</strong> will be performed automatically instead to cancel the order.</p>
<h3>Capture Charges directly from WooCommerce</h3>
<p>Some users choose to set the payment gateway to only authorize charges rather than authorize & capture them. However, this requires the user to then log into the payment gateway admin to capture charges. Version 2.0+ of this extension allows you to optionally <strong>capture previously authorized transactions</strong> directly from the WooCommerce <em>Edit Order</em> screen rather than logging into your USA ePay control panel to do so. Simply edit the order, select the “Capture Charge” action, and charges will be captured through USA ePay.</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2012/09/woocommerce-realex-hpp-partial-capture-1.png"><br />
<img class="aligncenter size-large wp-image-752076" src="https://woocommerce.com/wp-content/uploads/2012/09/woocommerce-realex-hpp-partial-capture-1.png?w=950" alt="WooCommerce USA ePay start capture" width="950" height="514" /><br />
</a></p>
<h3>Securely Save Customer Credit Cards</h3>
<p>Customers can easily and securely save multiple credit cards to their account for faster checkout when you use TransArmor tokenization via First Data. Payment data is stored on First Data’s secure servers, so your responsibility for PCI compliance is significantly reduced. Customers can then select a saved card to pay for future orders.</p>
<h3>Full Support for Subscriptions and Pre-Orders</h3>
<p>USA ePay is an ideal gateway for <a href="https://woocommerce.com/products/woocommerce-subscriptions/">WooCommerce Subscriptions</a>, offering support for all of Subscriptions features — subscription date changes, payment date changes, and more. The gateway also fully supports <a href="https://woocommerce.com/products/woocommerce-pre-orders/">WooCommerce Pre-Orders</a>, so you can take customers’ payment information upfront and then automatically charge their payment method once the pre-order is released.</p>
<h2 style="color: #f5247d">How it works (and how you stay in control)</h2>
<p>USA ePay for WooCommerce keeps checkout on your site and gives you powerful tools to manage payments end‑to‑end. Authorize now and capture later from the Edit Order screen, refund or void without leaving WooCommerce, and let returning customers pay faster with saved cards. You decide top‑up and capture rules, when to auto‑capture on status change, which transactions to force‑charge for virtual orders, and where the payment option appears. Detailed decline messaging and clean reporting help you resolve issues quickly and keep revenue flowing.</p>
<ul>
<li><strong>Refunds & voids:</strong> issue full/partial refunds or voids directly in WooCommerce.</li>
<li><strong>Capture controls:</strong> capture prior authorizations from the Edit Order screen.</li>
<li><strong>Saved cards:</strong> let customers store methods securely for faster repeat checkout.</li>
<li><strong>Subscriptions & Pre‑Orders:</strong> full compatibility for recurring and future‑dated charges.</li>
<li><strong>Auto‑capture rules:</strong> capture automatically on paid statuses when desired.</li>
<li><strong>Mobile‑friendly form:</strong> numeric inputs and smart formatting on phones.</li>
<li><strong>Detailed declines:</strong> show actionable error messages instead of generic failures.</li>
</ul>
<hr style="clear: both" />
<h2 style="color: #f5247d">More information</h2>
<ul style="line-height: 1.8em">
<li>Browse WooCommerce payment gateway documentation <a href="https://woocommerce.com/document/usa-epay/" target="_blank" rel="noopener">for setup guides and best practices</a>.</li>
<li>Need help getting started with USA ePay? <a href="https://kestrelwp.com/support" target="_blank" rel="noopener">Contact our support team</a>.</li>
</ul>
<p>Made by<br />
<a href="https://woocommerce.com/vendor/kestrel/" target="_blank" rel="noopener"><br />
<img src="https://static.kestrelwp.com/kestrel-logo.png?s=2d52d5f94edfe78382dafecf546412d08934608d" alt="Kestrel logo" width="200" height="45" /><br />
</a></p>

USA ePay

<p>Accept credit cards on‑site with USA ePay for WooCommerce. Support for subscriptions and pre‑orders, and advanced functionality for your team to capture, refund, and manage payments.</p>

NAB Transact vs USA ePay