The NMI payment gateway settings
On this page, you’ll find details on the general settings you have access to with NMI.If you want an overview of the features NMI has to offer, you’ll find it on this page. If you’re looking for specific features, please see our pages on; “general features,” “other features,” “iProcess,” and “SwIPe.”
At Tasker Payment Gateways, we believe that all legal high-risk businesses deserve to process payments as easily as possible. We specialize in high-risk payment gateways and work closely with a wide variety of high-risk payment service providers. One of our favorites is NMI, and we want to give you as much information about them as possible so you can choose a provider that’s right for you. They’re suitable for a variety of business types, including FFL, e-cigarette, tactical, premium cigar, and alcohol. To that end, we decided to create multiple pages that cover the various features available through NMI.
Remember, we’re always available for a free conversation about your high-risk payment options. We’ll get to know you and your business, and give you the insight you need to make a good choice for your payment gateway and high-risk merchant account needs. You can reach us using our contact form below, or through our contact page.
The NMI payment gateway offers a lot of general options you can take advantage of and customize to various extents. Without further ado, please see our summaries below.
This video discusses how you can find your billing and contact information through the account information page. There are certain things which you can edit on this page, including your own name and address, as well as your contact information. You cannot change the registered name of your company or the billing information associated with your account.
The video demonstrates how you can make changes to the information on this page. This is a simple process and only requires you to find the relevant information field and enter the new information before making sure to hit the “save” button. Overall the account page is well structured and easy to maintain.
Payment gateway user accounts
This video demonstrates how you can add new users with different permission levels to your gateway account. It also shows how the owner of the account can edit the permissions that are available for each user. It provides a very useful example that demonstrates how to make these changes or add restrictions or permissions depending on what you wish other users to be able to do within your account.
Since there’s a significant amount of options, we recommend that you watch the video. It goes into detail on options which allow you to have a very finely tuned level of control over what other users are able to do. As the video shows, you can also delete a user or allow for them to receive certain email notifications from the software.
If you want to take a look at the device licenses associated with your account, you can do this through NMI’s license manager page. This page gives you a great overview of devices, apps, and licenses associated with your account.
For example, you’ll be able to see what devices are registered, as well as when they were added to your account. Additionally, it will also show what devices are registered to use the mobile app, iProcess, if you should choose to use it. This video demonstrates where you can find this information and what it means. On top of this, it also shows the information for any devices that were previously registered but have since been removed from your account. This allows you to track activity over time. It also explains how you can delete them if you wish to remove any devices or licenses.
Look and feel
Brand consistency is important for all businesses, and the look and feel feature you’ll get from NMI is simple but brilliant. If you use the invoice services component of your gateway account, you’ll be able to display your company logo with your invoices when you send them out with NMI.
This can be done through the look and feel settings page. All you have to do is choose and upload the file containing your logo to this page. It will then appear on the emails and pdfs which are sent out with your invoices.
In this section we’ve covered the various transaction option features you’ll find when using the NMI payment gateway.
Settling multiple payments can take a lot of time when you have high sale numbers. NMI’s settlement schedule is a great feature for you to save time and streamline this process. If you want to set an exact time for your payment processor to initiate settlement, you can do this through the settlement schedule page.
This video shows you how to use this page in order to tell the payment processors associated with your account when to settle payments. The page will allow you to set the time according to the time zone that your gateway account is associated with. This feature is especially useful should you wish for this process to occur at a time outside of your normal business hours, as sthe ettlement will then happen automatically as instructed by the gateway feature.
Load balancing transaction routing via ATRI interface
As you might know, NMI is excellent for high-risk merchants who use multiple merchant accounts. One of the great ways NMI accommodates multiple-merchant account business owners is through their load balancing transaction routing. This feature automatically channels your payments to the different MIDs you have set up with your account. You’ll have at least one MID set up as primary by default, but if you use the load balancing feature it will divide your sales into the different MIDs available.
This means you’ll have ratios of payments going to various MIDs, where you set the monthly limits for all. If you have two credit card processors, each at $1,000, then your payments will be divided equally across the two processors. However, if processor one is set at $100,000 while processor two remains at $1,000, then processor one will manage 100 times more transactions than processor two. We advise you to check the entire video, as there are more details we’re sure you’ll find very useful!
Merchant defined fields
This video discusses the merchant defined fields page, where you can create or alter any custom fields that you wish to have within your gateway account. NMI gives you a great deal of customization here, as you can configure 20 merchant defined fields.
We advise you to check out the video, as it goes through an example in order to show exactly how you can customize these and what options are available. These fields will appear on the sales page. This is easily one of the most practical and simple ways to create very specialized sales items for your terminal.
Whenever you set up a new merchant account or credit card processor, it’s important that you check that everything works. NMI’s test mode makes this very easy. The test mode feature essentially allows you to put your account on pause, meaning that no payments will be processed during the time that your account is put into test mode.
In this mode, your account will not be able to contact your payment processor or run through transactions in any way. However, you may go through the motions of processing a sale, which will happen within the gateway without alerting or contacting your processor. The video shows how you can put your account in this mode and discusses its features. Test mode is particularly useful for running tests, especially for your account’s functionality, without accidentally processing incorrect payments. Having said that, remember to put your account out of test mode when you’re done! Otherwise, none of your sales will go through.
The API configuration page allows you to customize what variables are returned in the API response via the direct post. NMI will send you a result based on a set of variables by default. However, you can add to this list by adding whatever variables you’d like.
As with other features, NMI allows for a great deal of customization here. It will also enable a custom format for the API configuration. For example, if you want to make sure you always get the billing company, email, and the first and last name of the customer in your API response, you can do that from this feature. Simply add the fields you want and once you’re done, hit ‘save’.
That said, it’s important to note that your processor needs to be ready and able to provide you with the information you request from this page. Otherwise, you might encounter some problems. Luckily, you’ll get a warning letting you know that this may cause processing interruptions if your software is configured to expect the default configuration.
The report configuration page is where you can essentially condense and simplify your reports. By default, NMI will give you extensive reports with 60 to 70 fields. This can be a bit much, so NMI makes it possible for you to alter and customize your reports to ensure that you’re only seeing the information that you need.
The original reports will always be available even after this customization process, should you find that you do need certain information later on that you don’t want to see at this time. The video also demonstrates how you can instruct the software to default to this process each time, so that you can see your streamlined reports without having to undergo this process for each one.
Convenience fee/surcharging configuration
If you wish to add a convenience fee or surcharge when processing payments, you can do this by going to the convenience fee/surcharging configuration page. However, make sure to check with your merchant account provider before adding a convenience fee. This video shows how you can use this page to add a convenience fee or surcharge, and also how to customize the amounts or percentages that you wish to charge for each transaction.
You can charge either a set amount for each transaction regardless of the sale amount, or a percentage of the purchase which will automatically be calculated by the system during the payment process. The customer will also be able to see these amounts or percentages, as they will be clearly shown at the point of purchase.
The currency and country feature is very helpful if you sell products internationally. Make sure to check with your merchant account provider before adjusting any currency settings. This video shows how you can alter the country location and relevant currency you wish to see displayed at the point of sale. If you do not choose to make these changes, the settings will be defaulted to US and USD.
The video shows how changes can be made through the country/currency configuration page. This is a simple process involving dropdown menus that show all of the options available through your account, and will allow you to see the correct currency that you wish to view when running a sale through your control panel.
Security is always vital for any e-commerce business, but it’s especially important for high-risk site owners. Here we’ll cover some security features you’ll get from the NMI payment gateway.
If you’re using the three-step API or QuickClick, you may wish to add security keys for users on your account. This video shows how this can be done through the security keys page. The system will create a 32-character key, and you can create one for any or all users on your account.
The video goes on to explain what information you will see once you’ve created a key, and what information you’ll need to use for either the API or QuickClick. You can assign certain permissions for different users using these keys and also use them to keep track of your account’s users within your reports. This gives your payment gateway an added layer of security.
This video shows how to use the IP Restrictions page in order to control IP permissions for your account. This page allows you to create a whitelist for certain IP addresses or hostnames, essentially telling the system to block any permissions or access to your account if it is attempted through an IP address which is not included in this list.
You can also set certain permissions for this list, giving you greater control over what a user is allowed to access when using a certain IP address. You can add as many IP addresses to this list as needed should you wish to access your account from different places. This is a great step in preventing unwanted access to your account.
AVS is very important to high-risk businesses. NMI’s Address Verification page allows you to prevent potential fraud by setting certain rules and criteria. The rules will then be applied to the address information given by a buyer during the sale process. If the information given is incorrect or does not match in a way that corresponds to your rules, the transaction will be rejected or flagged.
There are many options and multiple combinations you can create. We recommend you watch the video as it shows how you can use this page to create different combinations by running through some great examples. It also goes over some combinations which are most common and why they might be particularly useful.
Card ID Verification
Similarly to AVS, CID verification is another crucial component of mitigating fraud. This video shows how you can use the Card ID Verification page to create certain security rules, which will then be applied to sales involving credit or debit cards. These rules mainly refer to the CVV security code, and can allow the system to reject a payment if there is any problem with this verification according to the rules you have set in place.
The video further demonstrates how you can create and customize these rules, and runs through some examples. Again, checking the video will give you a great overview of how this feature works. It also discusses which rules are particularly common, what they will tell the system to do, and how they might be applied.
Offering multiple ways to process payments is a great way to sustain sales across devices and to different customers. This video discusses how iOS app developers can offer Apple Pay support through the payment gateway, and shows how you can find some relevant documentation to help start this process on the Apple Pay Page. In order to use the payment gateway through Apple Pay you’ll need the merchant ID assigned to you in the apple developer portal.
The Apple Pay page also has information on how you can access this, and provides more information on how you can integrate Apple Pay. The page will link you to Apple’s documentation on the subject, an example project, and some further information you might need from NMI regarding this integration process. We advise you to check the video for more information and detail.
Contact us for high-risk payment gateway help
As you can see, we pay close attention to the goings on in the high-risk payment processing world. We want to make it as easy as possible for high-risk businesses to accept payments. If you have any question regarding NMI and whether they’re a good fit for your business, feel free to contact us. We’re always available for a no-commitment talk about your business and high-risk payment needs.