NEXT Payments
Set up NEXT Payments, the built-in payment account for Next Commerce stores
NEXT Payments is the payment account built into Next Commerce. It is the only gateway offering the full range of alternative payment methods, and the only one where 3DS2 is configured for you.
Setup
NEXT Payments is not added from the gateway list. It is created from your Next Commerce account.
- From your Next Commerce Account, choose Payments
- Choose Create New
- Complete the onboarding flow with your account setup details
Once the account is approved it loads into your store's Payment Gateways automatically and is available for live transactions. There are no credentials to enter.
Payment Methods
Cards accepted: Visa, Mastercard, AMEX, Discover, and JCB.
| Method | Markets |
|---|---|
| Apple Pay | All |
| Google Pay | All |
| Affirm | United States and Canada |
| Klarna | North America, Europe, and Oceania |
| TWINT | Switzerland |
| Swish | Sweden |
| iDEAL | Netherlands |
| Bancontact | Belgium |
TWINT and Swish are exclusive to NEXT Payments.
To enable a method, apply for it in your NEXT Payments account first. Once approved, go to Settings > Payments, select the NEXT Payments gateway, and enable it from the Alternative Payment Methods card. See Alternative Payment Methods for the full detail on each.
3DS2
3DS2 is set up automatically on NEXT Payments gateways.
There is no 3DS Merchant Profile to fill in. The Acquirer BIN, Merchant ID (MID), and MCC code for each card network are configured for you, so you never have to request them from an acquiring bank.
Choose a 3DS Mode on the gateway's 3DS card. See 3DS2 Payments for Smart mode, Optimized 3DS2, and retrying cards that are not enrolled.
Statement Descriptor
The statement descriptor is set from your NEXT Payments account and is not editable on the gateway.
Authorize & Capture
Authorizations expire after 7 days. See Authorize & Capture.
Manage Your Payments Account
From your Next Commerce Account, choose Payments and open an account. Use the account switcher to move between payments accounts.
- Overview: review authorization rates, payment methods, and dispute rates.
- Balances: review account balances and payouts.
- Reports: review account activity across connected stores.
- Settings > Payout Bank Accounts: review bank accounts or choose Add Bank Account to add one.
Reports
Open Reports and choose:
| Report | Use it to |
|---|---|
| Balance Summary | Reconcile balances, charges, fees, refunds, chargebacks, and payouts. |
| Payments By Store | Compare payment activity across stores on the account. |
| Payments By Method | Compare approvals and declines by payment method. |
| Disputes by Type | Separate alerts, fraud notices, and chargebacks. |
In Balance Summary, select a date range and export to PDF for a statement or CSV for reconciliation.
These reports cover your NEXT Payments account. Use the store's Transactions Reports to analyze transactions across its payment gateways.
Settlement Currency
Settlement currency is set during account creation based on the country of registration. GBP settlement is available for eligible new accounts. Check the account's Default Currency under Settings > Account Detail; this is separate from the currencies shoppers use at checkout.