Unlimit

Accept payments via Unlimit with PayNext.

Unlimit is a global fintech providing multi-currency card acquiring across Europe, Latin America, and Asia.

Processor Details

Payment Methods	Cards Apple Pay Google Pay
Supported Currencies	Currency list
Metadata Mapping	✓
Network Tokens	✓ (Contact your Unlimit representative to enable)
3DS Support	✓
3RI Support	✗

Integration Guide

1. Open Unlimit Merchant Admin

   Log in to the Unlimit Merchant Admin and navigate to Settings → Wallets

2. Copy credentials

   Locate the wallet you want to use and copy its Wallet ID and Terminal Code. Then open the wallet, scroll to Credentials, click Show credentials, and copy the Terminal Password

   Different wallets support different currencies and payment methods. Select the wallet that matches your requirements.

3. Add integration in PayNext

   In Dashboard → Integrations, click Add new integration → Unlimit → Connect

4. Enter credentials

   • Name: Label for this connection (e.g., “Unlimit EU”)
   • Wallet ID, Terminal Code, Password: Values from Unlimit
   • Network Tokens: Enable if activated by your Unlimit account manager
5. Save

   Click Connect to complete the integration

CPF/CNPJ for Brazilian Cards

PayNext can collect and send CPF/CNPJ for card payments processed via Unlimit when the card is issued by a Brazilian bank.

How to enable

1. Open Checkout

   In the PayNext Dashboard, go to Checkout.

2. Open Card settings

   In the payment methods list, select Card to open Card Settings.

3. Turn on CPF/CNPJ collection

   Enable Collect CPF/CNPJ for Brazilian cards.

4. Publish

   Click Publish to apply the changes.

How it works

When the customer enters a card, the SDK checks whether the card was issued by a Brazilian bank.

If the card is identified as Brazilian, an additional required field appears in the checkout form: CPF or CNPJ.

After the customer enters a valid value:

• the field is sent to Unlimit on the initial CIT payment
• the same value is reused for all subsequent MIT payments for that customer, as long as the saved payment method is still a Brazilian-issued card

Important behavior

• CPF/CNPJ is collected and required only when the checkout detects a Brazilian-issued card
• If the customer later updates the saved payment method to a non-Brazilian card, CPF/CNPJ is no longer sent to Unlimit
• PayNext sends CPF/CNPJ to Unlimit only when the customer has a saved card payment method and that card is issued by a Brazilian bank

Metadata Mapping

Unlimit supports metadata mapping for authorization. Forward custom descriptors to control what appears on customer bank statements or pass additional context for reconciliation.

The dynamic_descriptor field must be enabled by your Unlimit account manager before use. Contact Unlimit support to activate this feature.

Supported Fields:

Metadata Key	Target Field	Character Limit	Description
store_descriptor	recurring_data.dynamic_descriptor	25 (Visa), 22 (MC)	Primary descriptor shown on bank statements
payment_note	recurring_data.note	100	Internal note (not shown to customer)
order_description	merchant_order.description	200	Order description

Dynamic descriptor limits:

• Visa cards: 25 characters maximum
• MasterCard: 22 characters maximum
• Use the shorter limit (22) to ensure compatibility across all card types

Example Usage:

PATCH /customers/:id
{
  "metadata": {
    "store_descriptor": "MYSTORE NYC"
  }
}

Configure mapping in Dashboard → Integrations → Unlimit → Metadata mapping:

• Key: store_descriptor
• Value: recurring_data.dynamic_descriptor
• Operation: Authorization

The descriptor will appear on all future payments for this customer.

Best Practices:

• Keep descriptors under 22 characters for universal compatibility
• Use uppercase and avoid special characters
• Test in sandbox to verify statement appearance
• Contact Unlimit support to enable dynamic_descriptor for your account

Metadata mapping only applies to authorization requests. Capture operations do not support descriptor changes in Unlimit.

External 3DS Configuration

If your processor requires external 3DS data, configure it in Dashboard → Integrations → Unlimit → 3DS. See Configure External 3DS for setup instructions.

Testing

Unlimit testing guide — Test cards and payment scenarios.