The Payment Gateway CRM Built Around Your Merchant Account
Midcove is a payment gateway CRM built around the merchant account you already have — often called a MID — from NMI, Authorize.Net, Stripe, or PayPal. Use your own merchant account instead of opening a new one, then manage every transaction, chargeback, and fraud rule from a single dashboard.
A sample look at your dashboard — illustrative, not live data.
From Merchant Account to Multi-Gateway Payment Processing in Three Steps
No new merchant account. No ripping out your processor. Midcove sits on top of the gateway you already trust.
Connect Your Merchant Account (MID)
Connect your existing NMI, Authorize.Net, Stripe, or PayPal merchant account through our onboarding flow. Keep your rates, your processor, and your transaction history — only how you manage it changes.
Install the Plugin or Connect the API
Drop in the Midcove plugin or call our API directly to start routing transactions through your merchant account in minutes, not weeks. This is where payment orchestration starts: one integration, any gateway.
Manage Everything From One Dashboard
Run sales, voids, and refunds from a single transaction management dashboard, track chargebacks with built-in chargeback management software, tune fraud prevention rules, and key in orders on the virtual terminal — all from one login.
See Your Merchant Account Flow Through Midcove
Midcove doesn't move your money to a different processor. Every transaction still settles through the same gateway your merchant account already lives on — Midcove just gives you one place to manage, protect, and track it.
Each merchant account settles back through its own gateway. Midcove never reroutes a transaction to a different processor — it only gives you one dashboard to manage what's already happening on the gateway you chose.
Built for Merchants Who Already Have a Merchant Account
Midcove fits any team processing payments through NMI, Authorize.Net, Stripe, or PayPal.
E-Commerce Merchants
Running an online store on Stripe or PayPal? Keep that merchant account and add a transaction management dashboard, virtual terminal, and fraud prevention on top — without touching your checkout.
Industries we serveISOs & Resellers
Helping other businesses process payments? Point each merchant toward Midcove and give them their own CRM, virtual terminal, and chargeback management software — while their merchant account stays theirs.
ISO merchant toolsHigh-Risk Verticals
If your merchant account came with tighter underwriting, our fraud prevention filters and chargeback management software help you keep it in good standing.
Merchant risk managementSubscription Businesses
Recurring billing means recurring risk. Manage failed payments, refunds, and disputes from one transaction management dashboard instead of your gateway's basic reporting.
Refund managementEverything You Need to Run Payments, in One Payment Gateway CRM
Midcove replaces a pile of disconnected tools with a single transaction management dashboard built for teams that take payments seriously.
Virtual Terminal
Key in card-not-present payments for phone and mail orders with built-in AVS and CVV checks.
Virtual terminalTransaction Management Dashboard
Search, sort, and act on every sale, void, and refund from one transaction management dashboard — no more tab-switching between your gateway and a spreadsheet.
Transaction dashboardChargeback Management Software
Get alerted the moment a dispute opens, attach evidence, and track every case to resolution with purpose-built chargeback management software.
Chargeback managementFraud Prevention
Block bad actors by IP, email, or phone, and auto-lock accounts for 24 hours after repeated failed attempts.
Fraud preventionMerchant Onboarding
Board the merchant account you already have — no new application, no new MID.
Merchant onboardingPlugin & API
Go live fast with a drop-in plugin, or integrate directly for full payment orchestration across every connected gateway.
Payment API for developersThis is only the short list. Browse the full set of payment gateway CRM features — from reporting and exports to role-based access — or see how each of the four payment gateway integrations connects to your existing merchant account.
Midcove vs. Managing Payments in Your Gateway Dashboard Alone
Most gateways give you a dashboard. Few give you a system built for managing transactions, chargebacks, and merchant account risk across NMI, Authorize.Net, Stripe, and PayPal at once — that's multi-gateway payment processing. And unlike CRMs built around a single processor, Midcove doesn't lock you into one gateway to get it.
Your gateway dashboard alone
- One view per connected gateway — no unified transaction management dashboard across NMI, Stripe, or PayPal.
- Basic chargeback alerts, with no evidence workflow or case tracking built in.
- Limited fraud rules — usually whatever the gateway includes by default.
- No virtual terminal for phone or mail orders unless your gateway happens to offer one.
With Midcove
- One transaction management dashboard across every merchant account you connect.
- Purpose-built chargeback management software with evidence upload and case tracking.
- IP, email, phone, and BIN-level fraud prevention, plus automatic lockouts after failed attempts.
- A virtual terminal built in from day one — no separate purchase or plugin to hunt for.
Evaluate Midcove Without a Migration Project
Because Midcove connects to the merchant account you already have, evaluating it is low-stakes. Compare plans on our pricing page — Starter covers a single MID at $49/month, and higher tiers add multiple gateways and advanced fraud rules — then connect your gateway and see your own transactions in the dashboard the same day.
Still weighing your options? The Midcove blog breaks down the decisions merchants face before they switch, including a side-by-side comparison of NMI, Authorize.Net, Stripe, and PayPal and a plain-English explainer on what a MID actually is.
What evaluation looks like
- Keep your existing MID, rates, and processor relationship throughout.
- No new underwriting — most merchants are live the same day.
- Start on the drop-in plugin, move to the REST API whenever you're ready.
- Add a second gateway later without changing how your team works.
Built for the Way Payments Are Actually Regulated
Midcove is built to align with PCI DSS requirements, with encryption and access controls designed to keep every merchant account (MID) and every transaction protected.
PCI DSS Aligned
Card data handling practices built around PCI DSS requirements.
End-to-End Encryption
Data is encrypted in transit and at rest across the platform.
Automated Fraud Filters
IP, email, and phone blocking with automatic lockouts on repeated failures.
Role-Based Access
Control exactly who on your team can view, refund, or void a transaction.
Why Merchants Choose Midcove
Not another processor to underwrite you again — a CRM built around the merchant account you already earned.
Bring Your Own MID
No new merchant account, no re-underwriting. Connect the merchant account you already have and keep your rates and processing history.
One CRM, Four Gateways
Manage NMI, Authorize.Net, Stripe, and PayPal from a single transaction management dashboard instead of four separate logins.
Same-Day Setup
Most merchants connect their merchant account and start processing the same day — no lengthy onboarding process to wait on.
Where Your MID Meets Total Control
Payment Gateway CRM Questions, Answered
What is a payment gateway CRM?
A payment gateway CRM is software that sits on top of your merchant account and gives your team one place to manage transactions, chargebacks, and fraud, instead of relying only on your gateway's basic dashboard. Midcove is a payment gateway CRM built specifically for teams using NMI, Authorize.Net, Stripe, or PayPal.
Do I need a new merchant account?
No. Midcove connects to the merchant account (MID) you already have. You keep your existing rates, processor relationship, and transaction history. Only how you manage it changes.
Which gateways does Midcove support?
Midcove currently supports four gateways: NMI, Authorize.Net, Stripe, and PayPal. You can connect one merchant account or several for multi-gateway payment processing, all from the same dashboard.
How long does setup take?
Most merchants connect their merchant account and start processing the same day. There's no new underwriting, since you're not opening a new merchant account, just linking the one you already have.
Is Midcove PCI compliant?
Midcove's practices are built to align with PCI DSS requirements, including encryption in transit and at rest, tokenized card data, and role-based access control. See our security page for details on how we handle payment data.
How much does it cost?
Plans start at $49 a month for a single merchant account, with higher tiers for multiple gateways and advanced fraud rules. Visit our pricing page for full details.
Can I add or switch gateways after I start?
Yes. You can start with one merchant account and connect another NMI, Authorize.Net, Stripe, or PayPal account later — your team keeps the same login and the same dashboard. See multi-gateway payment processing for how transactions from multiple gateways appear side by side.
Can my team have different permission levels?
Yes. Midcove includes role-based access, so you decide exactly who on your team can view transactions, issue refunds, void sales, or change fraud rules. Support staff can look up orders without being able to move money.
Do I have to migrate my transaction data to Midcove?
No. There's no data migration project, because your transactions stay on the gateway where your merchant account already lives. Midcove connects to that account and gives you a management layer on top — your processing history remains intact with your gateway.
Should I use the plugin or the API?
Use the drop-in plugin if you want to go live the fastest with no custom development. Use the REST API if you need full control over checkout, routing, and reporting inside your own product. Many teams start with the plugin and move to the unified payment gateway API later — both work with all four gateways.
Ready to Put Your Merchant Account to Work?
Setup takes hours, not a migration project. Connect your merchant account and start managing transactions today.