NMI (Network Merchants Inc.) Integration Guide

NMI (Network Merchants Inc.) Integration Guide

NMI (Network Merchants Inc.) is a well-known payment gateway that enables businesses to process online transactions securely and efficiently across multiple channels, such as websites, mobile apps, and in-person point-of-sale systems. This guide will walk you through NMI’s features and how to integrate it into your payment processing system.

Key Features of NMI

NMI offers several robust features for businesses:

• Multi-currency and Payment Method Support: Accept payments in various currencies and methods, catering to global audiences.

• Tokenization and Encryption: Ensures secure transmission and storage of sensitive cardholder information, reducing the risk of fraud.

• Fraud Prevention: Tools such as Address Verification System (AVS) and Card Verification Value (CVV) help prevent fraudulent transactions.

• Customizable Checkout: Personalize the checkout experience to align with your brand’s design.

• Recurring Billing and Subscription Management: Easily set up recurring payments and manage subscriptions.

• Flexible Integration Options: Connect NMI to various platforms via APIs and plugins.

• Comprehensive Reporting: Track and analyze transaction data to make informed decisions.

• Customer Vault: Store customers' payment information securely for faster checkouts and easier management of recurring payments.

Steps to Enable NMI Integration

Obtain Your NMI Gateway ID and API Keys

1. Gateway ID: Log in to your NMI account, navigate to Settings → Account Information, and find the Gateway ID.

2. Security Key and Public Key: Generate security keys by logging into the merchant account, selecting Options → Settings → Security Keys, and creating API or Cart security keys. Tokenization keys are used for Collect.js if required.

Enable NMI Integration in Your System

1. Go to Payments → Integrations within your system.

2. Enter the Gateway ID, Security Key, and Public Key obtained from NMI.

3. Save the integration settings.

4. Ensure you're using Funnels Version 2 to access all features.

Supported Payment Types

• Order Forms: NMI integration supports one-step and two-step order forms as well as one-click upsells.

• Invoices and Text2Pay Links: Process payments directly through invoices or Text2Pay links.

• Recurring Payments: Supports one-time and recurring payments, with tracking available through Payments → Subscriptions.

Important Considerations

• No Product Sync Required: NMI works with existing products without the need for reconfiguration.

• Stripe and PayPal Compatibility: You can still use Stripe or PayPal alongside NMI, though only one payment gateway can be set as the default for order form payments.

• Reporting: Payments processed through NMI will appear under Payments → Transactions.

FAQs

Where Can I Use NMI Integration?

NMI can process payments for order forms (Funnels Version 2), invoices, and Text2Pay links.

Will I Need to Create New Products?

No, you do not need to create new products. Existing products can be used with NMI without any additional syncing.

What Payment Methods Are Supported?

Currently, only credit and debit cards are supported. Apple Pay, Google Pay, and eCheck are not available with NMI.

Is 3DS Supported with NMI?

No, 3DS payments are not supported by NMI.

Can I Use Both Stripe and NMI Simultaneously?

No, you can only set one gateway as the default for order forms at a time. However, Stripe can still be used for Apple Pay and Google Pay.

How Do I Track Recurring Payments?

All recurring payments and subscription details can be tracked under Payments → Subscriptions.

How Can I Cancel a Subscription?

Subscriptions created via NMI can be canceled from within the Subscriptions page by using the Cancel Subscription option.

Will I Be Able to Process Refunds?

Refunds must be processed through the NMI merchant portal, as the application does not currently support refunding transactions directly.

How Are Subscription Failures Handled?

If a payment fails, two retries will occur after 24 hours. If successful, the subscription will return to an "Active" status. Otherwise, it will move to "Unpaid" and eventually "Expired" if no further payments are made.

Is NMI Integration Available for Calendar Payments or Memberships?

Currently, NMI is not available for calendar or membership payments. These payments continue to be processed through Stripe.

Conclusion

NMI provides a robust and secure solution for processing payments. By integrating NMI, you can offer flexible payment options, ensure secure transactions, and manage recurring payments efficiently. Stay tuned for future updates as NMI integration expands to other areas like calendar payments.

For further questions, feel free to reach out to support.