Frequently Asked Questions

Q: How can I tell what a decline code means?

A: Her's the Network Merchants Gateway (N.M.I) Response Code Lookup Table:

Refer to this list when reviewing the transaction history of an order.

Q: In the Networks Merchants configuration, what is the setting for that is titled "Use credit instead of refund"?

A: Typically merchant accounts want you to only send funds back to a card that was originally charged.  If they allow you to use credit then you can send funds to an arbitrary card.  That is a HUGE potential for fraudulent abuse.  That being said, when you migrate from one merchant account to another, there can be a 30-60 day window at the start where you might need to have that enabled so you can refund arbitrary cards.