NMI Payment Gateway Integration — Manage Every NMI Transaction in One CRM
Midcove's NMI payment gateway integration connects the NMI merchant account you already have to one unified dashboard. Run sales, voids, and refunds, track chargebacks, and layer fraud filters on top of your NMI MID — no new merchant account, no re-underwriting.
Your NMI merchant account, run through a better dashboard
Midcove is a payment gateway CRM that connects to the NMI account you already have. You keep your NMI rates, your MID, and your processor relationship — Midcove gives you a faster, clearer way to manage every transaction that runs through it.
- Route sales, voids, and refunds through your NMI MID from Midcove's virtual terminal, plugin, or API.
- One NMI transaction management view — search, sort, and act on every payment in real time.
- Chargeback alerts tied directly to disputes filed against your NMI MID, with evidence upload and case tracking.
- Fraud prevention filters layered on top of NMI's own gateway tools — IP, email, phone, and BIN blocking.
Connecting NMI to a CRM shouldn't feel like a project. The guided connection flow is part of Midcove's merchant onboarding software, so most merchants link their NMI account and go live the same day.
Still weighing your gateway options? Our NMI vs Authorize.Net vs Stripe vs PayPal comparison breaks down how the four gateways Midcove supports differ — and why the answer matters less when one dashboard manages them all.
What you'll need
- An active NMI merchant account and MID.
- Your NMI API keys — a Security Key, or a username and password with API access.
- A few minutes to complete the guided connection flow.
Set up your NMI payment gateway integration in five steps
Bring your own MID — there is no new merchant account to open and no re-underwriting to sit through.
Log in to Midcove and go to Integrations
Open your Midcove account and select Integrations from the dashboard menu.
Select NMI from the gateway list
Choose NMI as the payment gateway you want to connect.
Enter your NMI API credentials
Provide your NMI Security Key, or a username and password with API access, to link your existing MID.
Run a test transaction
Midcove sends a test authorization through your NMI MID to confirm the connection is live.
Start processing
Use the virtual terminal, drop-in plugin, or REST API to run real NMI transactions from Midcove immediately.
What Midcove adds on top of NMI's own tools
NMI handles authorization and settlement well — Midcove adds the operational layer merchants keep asking their gateway for.
Unified transaction dashboard
Every sale, void, and refund on your NMI MID in one searchable, sortable view — with the actions one click away instead of buried in gateway reports.
Explore the transaction dashboardChargeback management
Alerts the moment a dispute hits your NMI merchant account, plus evidence upload and case tracking so deadlines never slip past your team.
See chargeback managementLayered fraud filters
IP, email, phone, and BIN blocking run alongside NMI's native tools, with an automatic 24-hour lockout after repeated failed attempts.
Review fraud preventionNMI virtual terminal
Key in phone and mail orders from any browser, with AVS and CVV checks on every transaction — all processed straight through your NMI MID.
Try the virtual terminalMidcove works with NMI — it never replaces it
After you connect NMI to Midcove, nothing changes on the gateway side. NMI still authorizes and settles every payment, your rates stay exactly where they are, and the NMI merchant portal keeps working the way it always has.
What changes is where your team works. Instead of jumping between logins to check a settlement, chase a dispute, and issue a refund, everything happens in one place. And if you process on more than one gateway, Midcove's multi-gateway payment processing puts NMI, Authorize.Net, Stripe, and PayPal behind a single login.
Card data is tokenized and encrypted in transit and at rest, with role-based access controlling who can void, refund, or export. Read how the platform is built to align with PCI DSS requirements.
Why merchants connect NMI to a CRM
- One dashboard for transactions, chargebacks, refunds, and reporting.
- Role-based access so staff see only what their job requires.
- Exports and reports built for reconciliation, not just gateway logs.
- Room to add a second gateway later without changing tools.
NMI Integration Questions, Answered
Do I need a new NMI merchant account to use Midcove?
No. Midcove connects to the NMI merchant account and MID you already have. There is no new account to open, no new underwriting, and no change to your NMI rates or processor relationship.
Does Midcove replace NMI?
No. NMI remains your payment gateway and continues to authorize and settle every transaction. Midcove is a CRM layer on top — a unified transaction dashboard, chargeback tracking, refund management, and fraud filters for the payments running through your NMI MID.
What NMI API keys or credentials do I need to connect?
You need your NMI Security Key, or a username and password with API access enabled. You enter them once during the guided setup flow, and Midcove uses them to link your existing MID.
How long does the NMI integration take?
Most merchants finish in minutes. The flow is: select NMI, enter your API credentials, run a test transaction, and start processing. Because you keep your existing merchant account, there is no underwriting delay — most merchants go live the same day.
Can I use NMI's fraud tools alongside Midcove's?
Yes. Midcove's fraud prevention filters — IP, email, phone, and BIN blocking with an automatic 24-hour lockout after repeated failures — run alongside whatever fraud tools you already have configured in NMI, adding a layer rather than replacing one.
Can I still log in to the NMI portal after connecting?
Yes. Your NMI portal access does not change. Midcove sits alongside it, so you can keep using NMI's own tools whenever you want — most teams simply find they rarely need to once daily work moves into one dashboard.
What transactions can I run on my NMI MID through Midcove?
Sales, voids, and refunds — through the virtual terminal, the drop-in plugin, or the REST API. Keyed transactions run AVS and CVV checks, and everything is logged to your transaction history in real time.
Does connecting NMI to Midcove change my NMI pricing?
No. Your NMI rates and billing stay between you and NMI — Midcove does not sit in your money flow or change what you pay your gateway. Midcove itself is a separate subscription starting at $49/month for a single MID.
Can I connect NMI alongside Authorize.Net, Stripe, or PayPal?
Yes. Midcove supports NMI, Authorize.Net, Stripe, and PayPal, and higher-tier plans let you run multiple gateways from one login — useful if you split volume across processors or are migrating between them.
Is the NMI connection secure?
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 who on your team can process, void, refund, or export.
Connect your NMI MID today
Keep your NMI account. Get a better way to manage every transaction that runs through it.