NMI & Shopify: Payment gateways for high-risk websites

Shopify Payments prohibited products and services

Update: Shopify no longer supports new NMI payment gateway integrations. Read below or contact us today to find out how you can still open a high-risk web store and accept credit cards on Shopify.

Shopify offers a seamless, simple to use, out of the box, credit card processing gateway called Shopify Payments. Unfortunately for merchants in high-risk categories like electronic cigarettes, premium cigars, firearms, wine, beer and spirits, and trial based supplement websites, Shopify Payments prohibits many e-commerce sites from using their payment platform.

There is no conspiracy here, Shopify is happy to process for just about any legal business type, and are great to work with, it’s only that their standard credit card processor does not accept all business types. Shopify Payments is very popular and works exceptionally well for traditional, low-risk businesses. If your site is either non-traditional or is considered high-risk we will need to set you up with a high-risk friendly Authorize.Net account that is matched on the back end to your business type.

How to accept credits cards using Authorize.Net if Shopify Payments turns you down

Luckily, Shopify does offer merchants the option of using their own high-risk friendly payment gateway and merchant account combo, if it is set up correctly.

The Shopify integrated shopping cart works with over 70 payment gateways. But, they stopped supporting one of our favorites – Network Merchants, more commonly known as NMI. NMI is a leader among the various payment gateways and is highly regarded for its wealth of features and for the flexibility it gives to all merchants. This especially benefits those websites that have been deemed “high-risk” by Shopify Payments. Although it is disappointing to many that they stopped supporting new NMI accounts, we can still quickly assist new high-risk Shopify merchants by carefully setting up an Authorize.Net payment gateway carefully integrated with a back-end processor that is the correct fit for their Shopify store.

There are ways to use NMI with Shopify – 3rd party apps.

There are 3rd party solutions intended to increase page conversions or allow for upsells that do still use NMI. These 3rd party Shopify apps often replace or augment the Shopify checkout process, and because these apps use NMI, the end buyer’s card will go through NMI as well.

Funnelbuildr.com allows for NMI integration as a way to utilize their conversion funnel tools. Other examples are Carthook.com, also a sales funnel builder and OneClickUpsell which is sold by Zipify.com. OneClickUpsells allows a Shopify store owner to set up “upsells” after an original sale without forcing a buyer to enter information twice. This system uses NMI for any products tagged an “up-sellable” and uses the regular Shopify checkout for all others. Generally, these systems avoid the double billing that can occur when Shopify assesses its % fee on sales that are not run through Shopify payments, as these happen outside of the Shopify payment page.

If you need help accepting payments contact us using the form at the bottom of this page

Businesses that have struggled to find a credit card processing recommendation and gateway that suits their needs have often found a perfect solution in NMI. Let us make it easy for you. We will help find you a merchant account that appreciates your business and work with you one on one to integrate an NMI payment gateway with your Shopify store.

What makes Shopify so great anyway?

Shopify is the brainchild of a programmer-turned-internet entrepreneur – and is arguably one of the more accessible and feature-rich platforms on which to create a virtual store for both traditional websites, and high-risk e-commerce like vape, FFL, cigars, alcohol,  and nutritional supplements.

For merchants without design or programming skills, it offers over a hundred professional and easy-to-customize templates from which to create a storefront. For those wearing multiple hats, it provides easy, and hassle-free store management features such as customer account administration, order fulfillment, and user-friendly refund tools.

Ready to accept credit cards on your vape, firearms, wine, or cigar site?

If your Shopify website and has been turned down or shut off by Shopify Payments, please fill out the contact form below or call us anytime at (207) 772-8737. We’re happy to help!