Introduction

Network Merchants Inc. (NMI) is a versatile and secure payment gateway that enables businesses to process online payments with ease. It supports a wide range of payment methods including credit cards, ACH (e-checks), and digital wallets, while offering robust features like a virtual terminal, recurring billing, and customer vault storage. NMI is especially popular among high-risk industries such as CBD, adult entertainment, vape, and online firearms due to its flexible integration options, seamless compatibility with UltraCart, and support for multiple merchant identification numbers (MIDs) under one gateway. With strong security compliance, 24/7 customer support from over 180 experts, and global reach across six continents, NMI provides a scalable, customizable, and reliable solution for merchants seeking seamless payment processing.

Configuring Network Merchants Gateway

Navigate: Main Menu > Configuration > (middle menu) Checkout > Payments > (Scroll down to "Debit and Credit Cards") Click "Connect Single" > Scroll down and select the checkbox for "Network Merchants Gateway"

You'll need to obtain your account credentials from Network Merchants:

Network Merchants Username
Network Merchants Password
Collect Platform ID (Drop-Down List: Yes/No)
Network Merchants Server (Drop-Down List)
Send Order Description (Drop-Down List: Yes/No)
Methods (Select Checkbox for All Payment Types Established For Your Account)
NOTE: There is a drop-down list option for designating Test Profile. Make Sure to Leave Blank To Configure In Live Mode.)

Important Note About N.M.I Account Credentials

If you encounter a forced login password reset at N.M.I.'s website, make sure to update your password in the gateway configuration within ultracart. Failure to do so could results in failed authentication issues with credit card transactions!

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.