ISO Merchant Management Software That Lets Every Merchant Keep Their Own MID
If you're an ISO, agent, or merchant services reseller helping businesses get set up with payment processing, Midcove is the ISO merchant management software you can point them to. Each merchant boards the MID they already have with NMI, Authorize.Net, Stripe, or PayPal and gets a full payment CRM built around that account — no new underwriting, no processor switch.
Every merchant keeps their MID and gains a real CRM
The merchants you refer or support already have — or are in the process of boarding — a merchant account with NMI, Authorize.Net, Stripe, or PayPal. Too often, that's where the relationship stalls: they get a bare gateway login and a monthly statement, and every "how do I refund this?" call comes back to you.
Midcove changes that. Instead of leaving each merchant with a raw gateway interface, you set them up with a management layer that sits on top of the MID they already have. They connect their account through our guided merchant onboarding software, install the drop-in plugin or wire up the REST API, and from that point they run their own transactions, manage their own disputes, and control their own fraud settings from one dashboard.
Midcove never replaces the processor, the rates, or the underwriting relationship you helped arrange. It's the CRM that makes the account you sold easier to live with — which makes your portfolio stickier.
What each merchant gets
- Their own MID from NMI, Authorize.Net, Stripe, or PayPal — connected, not replaced.
- Plugin and API access to route transactions through that MID.
- A virtual terminal with AVS and CVV checks for phone and mail orders.
- Transaction management — sales, voids, and refunds, searchable and sortable.
- Chargeback alerts, evidence upload, and case tracking.
- Fraud filters — IP, email, phone, and BIN blocking with automatic 24-hour lockout after repeated failures.
The tools your merchants stop calling you about
Every merchant you send to Midcove gets the same self-service toolkit — the daily operations that would otherwise land in your inbox.
Virtual Terminal
Phone and mail-order payments keyed in with AVS and CVV checks, processed straight through the merchant's own MID.
Virtual terminal processingTransaction Management
Sales, voids, and refunds from one dashboard, with search and sort across the full transaction history of that account.
Transaction dashboardChargeback Management
Dispute alerts, evidence upload, and case tracking so merchants respond on time instead of forwarding you the notice.
Chargeback managementFraud Prevention
IP, email, phone, and BIN blocking plus an automatic 24-hour lockout after repeated failed attempts — set per merchant.
Fraud prevention toolsReporting & Exports
Each merchant pulls their own reports and exports, so month-end reconciliation stops being a support ticket to you.
Payment reportingGuided Onboarding
A step-by-step boarding flow walks each merchant from gateway credentials to a live connection — most go live the same day.
Merchant onboardingISO merchant management software, from referral to live CRM
Midcove handles reseller merchant management one account at a time — each merchant is boarded and managed individually, not through a bulk portfolio console.
Point the merchant to Midcove
Recommend Midcove as the CRM layer for the MID they already have — or are boarding — with NMI, Authorize.Net, Stripe, or PayPal.
The merchant boards their MID
They connect their existing merchant account through the guided onboarding flow, then install the drop-in plugin or set up the REST API. No re-underwriting, and most accounts go live the same day.
They run their own CRM
Virtual terminal, transaction management, chargebacks, refunds, and fraud filters — all in one login, owned and operated by that merchant.
What stays with you, what moves to Midcove
Agent portfolio management works best when everyone knows who owns what — here's the clean split.
| Responsibility | You (ISO / agent) | Merchant in Midcove |
|---|---|---|
| Merchant account & underwriting | Arranged through your processor relationships — unchanged | Connects the resulting MID; Midcove never issues or replaces it |
| Gateway relationship & rates | Negotiated by you and the merchant — unchanged | Keeps processing on the same gateway at the same rates |
| Daily transactions | No more "how do I void this?" calls | Sales, voids, and refunds from the transaction dashboard |
| Disputes & fraud settings | Out of your support queue | Chargeback case tracking and per-account fraud filters |
| Sub-merchant visibility | No combined portfolio dashboard today — each account is separate | Full visibility into their own MID's activity, with role-based access for their team |
A stickier portfolio without new liability
Merchant attrition usually starts with friction: a refund the merchant couldn't find, a dispute deadline they missed, a fraud spike nobody caught. When each merchant in your book has real tooling around their MID, those moments get handled inside their dashboard instead of becoming a reason to shop for a new provider.
Merchants with dispute problems can pair their setup with merchant risk management software practices — fraud filters, velocity lockouts, and chargeback tracking — that keep their account healthy and your residuals intact. And if you'd rather offer this under your own brand, ask us about the white-label payment platform partner program.
The reseller math
- No new MIDs and no re-underwriting, so nothing disturbs the processing relationship you built.
- Works across all four supported gateways, so one recommendation covers your whole book.
- Merchant plans start at $49/month for a single MID — an easy add-on to any boarding conversation.
- Encryption in transit and at rest, tokenized card data, and role-based access, built to align with PCI DSS requirements.
ISO and Reseller Questions, Answered
Do merchants need their own MID to use Midcove?
Yes. Each merchant boards the merchant account they already have with NMI, Authorize.Net, Stripe, or PayPal. Midcove doesn't issue MIDs or replace the underwriting relationship — it connects to the MID that's already in place.
Can I manage multiple merchants from one login?
Not from a single unified portfolio view today. Each merchant's MID and CRM access is set up and managed individually, so an ISO recommending Midcove to several merchants works within each merchant's own account rather than one combined dashboard.
What does each merchant get inside Midcove?
A virtual terminal with AVS and CVV checks, transaction management for sales, voids, and refunds, chargeback alerts with evidence upload and case tracking, refund management, reporting and exports, and fraud filters including IP, email, phone, and BIN blocking with automatic 24-hour lockout after repeated failed attempts.
Does Midcove replace the merchant's existing processor?
No. Midcove connects to the MID a merchant already has. They keep their existing gateway relationship and rates, and gain the Midcove CRM as a management layer on top.
Which gateways does Midcove support?
Exactly four: NMI, Authorize.Net, Stripe, and PayPal. Any merchant in your book processing on one of those gateways can connect their existing account to Midcove.
Does boarding a merchant into Midcove trigger new underwriting?
No. Because the merchant connects an account that's already underwritten, there's no new application or approval process. Most merchants go live the same day they connect their gateway credentials.
How does a merchant actually connect their MID?
Through a guided onboarding flow: they enter their gateway credentials, then install the drop-in plugin or integrate the REST API to route transactions through their own account. No developer is required for the plugin route.
What does Midcove cost the merchant?
Plans start at $49/month for the Starter tier, which covers a single MID. Higher tiers add multiple gateways and advanced fraud rules, and Enterprise pricing is custom. See the pricing page for the full tier breakdown.
Can Midcove be offered under my own brand?
If you want to present the platform under your own name rather than as a referral, ask about the white-label partner program. It's the path for ISOs and resellers who want the CRM as part of their own offering.
How does Midcove handle card data security?
The platform is built to align with PCI DSS requirements: card data is tokenized, traffic is encrypted in transit and at rest, and role-based access controls what each user in a merchant's account can see and do.
Give your merchants a real CRM for their MID
Point the merchants you support toward a payment CRM built for how they already process.