Payments Guide
Set up and manage Gateways, Payment Apps, and more

Payment Gateways

29 Next supports 120+ global gateways for payment card transactions. If you don’t see your payment gateway listed as supported, just ask us.
Popular Gateways

Adding a Gateway To Your Store

To add a Gateway, navigate to Settings > Payments to see a list of all gateways. Choose “New Gateway” to create a new gateway.
On the create new gateway page, select the desired gateway integration, and add your gateway specific API credentials to integrate the Gateway to your store. Note that the required fields that display for specific gateway integrations may vary.
Once a Gateway has been added to your store, you can specify
  • the currency supported
  • choose to set it Active for the store checkout flow
  • choose it as the Default gateway for the supported currency
  • enable 3DS support
The Default Gateway for a given currency will automatically be selected on the storefront checkout or for API-created orders, for transactions in that respective currency.
For orders created via the Admin API, you may optionally define a payment_gateway ID to route the transaction to a specific gateway ID via the payment_details > payment_gateway parameter.

Gateway Groups

Stores with multiple bankcard gateways may wish to distribute transactions across them on a proportional basis. With Gateway Groups, you can assign multiple gateways to a single group, and define a weighting to each gateway to prioritize the distribution of transactions.
To create or edit a Gateway Group, navigate to Settings > Payments and choose the “Gateway Groups” tab, then Create Gateway Group to create a new gateway group. Alternatively, from this view you can choose to Update or Delete existing groups.
On the create new gateway group page, assign one or more existing gateways to the group, and choose a weight for the proportion of transactions that should be directed to each of them, with the higher weights receiving the higher proportion of volume.
Transactions pointed at a gateway group will select from the gateways, based first on the availability for the given card type and currency, then on the weighting assigned to the eligible gateways. This rule prevents a gateway that does not support a given card type or currency from being selected to process a transaction.
For orders created via the Admin API, you may pass a payment_gateway_group ID in the payment_details > payment_gateway_group parameter. If a payment gateway group ID is specified, it will override the default gateway, or any value input into the payment_gateway field.
To use a Gateway Group for your storefront checkout, assign it on the Settings > Checkout page. If you assign a Gateway Group it will override any previously configured "Default" gateway for each currency.

Gateway Groups with 3DS2 Payments over the API

If your payment flow includes gateways supporting 3DS2, you should always specify a payment_complete_url in your API request. Read more about supporting 3DS2 transactions over the Admin API here.

3D Secure 2 Payments

3D-Secure v2 (3DS2) payments are fully supported in 29 Next, both via the storefront checkout and for transactions created over the Admin API.
For EU-based merchants, or merchants selling to EU-based customers, Strong Customer Authentication (SCA) is mandated under the PSD2 directive for payment card transactions. 3DS2 offers a low or no-friction method to achieve SCA compliance on your store's transactions.
3DS2 authentication is supported in beta on 29 Next for the following gateways:
  • Adyen
  • BlueSnap
  • Braintree
  • Checkout.com
  • Credorax
  • CyberSource
  • NMI
  • PayPal Payments Pro
  • Nuvei
  • Stripe Payment Intents
  • WorldPay
To support 3DS2 payments over the Admin API, see the link below.

3DS2 Merchant Profiles

To create a 3DS2-enabled Gateway, navigate to Settings > Payments > 3DS Merchant Profiles and select "Create 3DS Merchant Profile". You will be prompted to enter the following values, some of which may be obtained from your processing provider or acquiring bank
  • Merchant Name
  • Merchant URL
  • Merchant MCC (merchant category code)
  • Merchant Country
  • Visa, Mastercard, AMEX acquiring BINs (ABIN)
Choose to Save your Merchant Profile, and then from your Payments > Gateways list, choose an existing gateway, or create a new one, and select to Enable 3D Secure Transactions. Assign the Merchant Profile to the gateway, and choose Update Gateway.
3D Secure Gateway Settings
You may optionally choose to automatically Retry Non-3DS Enrolled Cards as Standard Transaction to gracefully re-attempt any transactions on cardholders which do not support 3DS payments. Note that this setting should only be used with merchant accounts that support both 3DS and non-3DS transactions.

Payment Apps

29 Next supports a variety of Payment Apps, including Bankcard (all debit and credit card processing gateways), Paypal, and Klarna.

Bankcard Payments

29 Next supports over 120 global payment gateways for Bankcard processing, which encompasses transactions via credit and debit cards such as Visa, Mastercard, AMEX, Discover, Maestro, JCB and more. Bankcard Transactions are available for review in the Dashboard by navigating to Payments > Bankcard Transactions, with the full details of each transaction passed to an underlying payment gateway and processor, along with the full response returned by the gateway.

Transactions List Overview

View the list of all transactions by navigating to Payments > Bankcard Transactions.
Bankcard Transactions List

Search & Filter Transactions

Transactions can be searched by using the Advanced Search feature to filter transactions by:
  • Gateway
  • Type (Payment/Credit/Validation)
  • Status (Success/Fail)
  • Order Number
  • Transaction ID
  • 3DS (yes/no)

Transactions Detail Overview

Transaction details provide all information available for the transaction, with the raw transaction data sent to the gateway and the data returned in response.


Paypal is a Payment App Extension that offers a variety of Paypal features both in the store checkout and for orders created over the Admin API.
Both the legacy Paypal Express (SOAP/NVP) integration and the Paypal REST integration are supported. Paypal REST API is the default integration method and the method most commonly used by sellers.
Under Extensions > Paypal, you can configure Paypal features and input your Paypal API account credentials. For testing purposes, set the “Environment” to Sandbox. When you’re ready to accept live transactions, be sure to switch the Environment to “Live”.
29 Next supports automated uploading of shipment carrier and tracking number information to Paypal for Paypal sales. Uploading tracking data to Paypal is recommended to minimize the risk of disputes and provide the best customer service to Paypal buyers.

Enabling Paypal One-Click Upsells (Reference Transactions)

Paypal Settings
To allow for post-checkout one-click upsells for Paypal buyers, without requiring a second redirect or Paypal confirmation pop-up, your account must be enabled for Reference Transactions.
Important Notes:
  • Reference transactions are only supported via the legacy NVP/SOAP Paypal Express integration.
  • Reference transaction support is not enabled by default for Paypal accounts. You must request this to be enabled via Paypal support for your account.
  • This process may take several days, and Paypal may request additional information from the merchant to approve this request.
Paypal Admin API Guide

Klarna Checkout

Klarna Checkout is a Payment App Extension that allows you to offer multiple payment options for customers to choose from, both in the store checkout and for orders created over the Admin API. Klarna is a popular payment platform in Germany, and increasingly in the UK and across Europe and the United States.
Under Extensions > Klarna, input your Klarna Checkout account credentials to enable Klarna. Note that Klarna requires your store to have a Terms & Conditions URL and a Cancellation Policy URL available at all times, reflecting the store’s sales policies.
Via Klarna Checkout, various checkout options are available for the end customer, depending on the customer’s location.
  • Pay by Invoice
  • Pay Later
  • Pay in Installments
  • Sofort Banking
  • SEPA Direct Transfer
  • Credit and Debit Card
Klarna Admin API Guide