Payment Gateway CRM Features: Everything Midcove Does, in One Place
Midcove is a payment gateway CRM built around the MID you already have with NMI, Authorize.Net, Stripe, or PayPal. This page walks through all eleven payment gateway CRM features — onboarding, virtual terminal, transaction management, chargeback management, fraud prevention, and more — so you can see exactly what one login replaces.
How Midcove's payment gateway CRM features work together on one MID
Most merchants run payments across disconnected tools: the gateway's console for transactions, email for dispute notices, spreadsheets for reporting. Midcove replaces that patchwork with merchant CRM tools that all read from the same source — the merchant account you board on day one.
Every feature below shares one transaction record. A sale keyed into the virtual terminal appears instantly in the transaction dashboard, can be refunded in two clicks, feeds your fraud filters, and rolls into reporting — with no exports, re-keying, or reconciliation between systems. If that sale is later disputed, the chargeback case links straight back to the original transaction and its evidence.
- Board your existing MID once — no new merchant account, no re-underwriting.
- Every tool works on that same MID: terminal, refunds, disputes, fraud rules, reports.
- Role-based access decides which of those tools each teammate can touch.
- Add more gateways later and the same dashboard covers them all.
One record, every workflow
- A transaction created anywhere is searchable everywhere.
- Refunds and voids route back through the original MID automatically.
- Chargeback alerts link each dispute to its source sale.
- Reports and exports roll up activity across every boarded MID.
Eleven features. One CRM. Zero new merchant accounts.
Every capability below runs on top of the MID you board from NMI, Authorize.Net, Stripe, or PayPal — nothing here requires switching processors.
Merchant Onboarding
Board a MID you already own in a guided flow — no new merchant account, no re-underwriting, and most merchants go live the same day.
Explore merchant onboardingVirtual Terminal
Key in card-not-present payments for phone and mail orders from any browser, with AVS and CVV checks on every keyed transaction.
See the virtual terminalUnified API
Integrate once against a single REST API — or a drop-in plugin — that works the same no matter which gateway your MID runs on.
Review the unified APIMulti-Gateway Processing
Board and process across NMI, Authorize.Net, Stripe, and PayPal MIDs side by side, all managed from one CRM login.
Compare multi-gateway processingMerchant Dashboard
See every boarded MID, its status, and its recent activity at a glance from one home screen built for daily operations.
Tour the merchant dashboardTransaction Dashboard
Search, sort, and act on every sale, void, and refund from one transaction management dashboard covering all your gateways.
Open the transaction dashboardChargeback Management
Get alerted the moment a dispute opens, attach evidence in the case file, and track every chargeback to resolution.
Manage chargebacksRefund Management
Process full or partial refunds against any past transaction, automatically routed back through the original MID.
Handle refunds fasterFraud Prevention
Block bad actors by IP, email, phone, or BIN, and auto-lock accounts for 24 hours after repeated failed attempts.
Set up fraud filtersReporting
Roll up transaction volume, approval rates, chargebacks, and refunds across every MID, ready to export whenever you need it.
Dig into reportingMerchant Risk Management
Watch risk signals across boarded MIDs so problems surface — and get handled — before they become processor issues.
Monitor merchant riskBuilt for the four gateways merchants already use
These payment management software features aren't tied to a house processor. Midcove connects to your live credentials through its payment gateway integrations for NMI, Authorize.Net, Stripe, and PayPal — so the terminal, dashboards, and dispute tools operate on the account and rates you already negotiated.
Everything runs on a platform 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 sees what. Read more on our PCI DSS compliance and security page.
Connect the MID you have
- NMI — full CRM control over an NMI-boarded MID.
- Authorize.Net — keep your legacy account, modernize the tooling.
- Stripe — add MOTO, dispute, and multi-MID workflows on top.
- PayPal — manage it beside your card gateways, not in a silo.
How to choose your first feature
You don't roll out eleven tools at once — you board a MID, fix the biggest pain first, and let the rest follow.
Board your MID
Every rollout starts with merchant onboarding: connect your existing gateway credentials and confirm a test transaction. No re-underwriting, and most merchants finish the same day.
Fix the biggest pain first
Taking phone orders? Start with the virtual terminal. Losing disputes? Turn on chargeback management alerts. Suspicious traffic? Configure fraud blocking rules first.
Bring in your team
Add teammates with role-based access — support agents get the terminal and refunds, finance gets reporting and exports, and admins keep the fraud and risk controls.
Expand at your pace
Layer in reporting, risk monitoring, or a second gateway when you're ready. Developers can automate any of it later through the payment API for developers.
Plans start at $49/month for a single MID, with higher tiers adding multiple gateways and advanced fraud rules — see the full breakdown on the pricing page. And if you'd rather watch than read, a 20-minute demo covers all eleven features live.
Feature Questions, Answered
What is a payment gateway CRM?
A payment gateway CRM is software that sits on top of your existing merchant account and gateway, adding the management layer gateways don't include: a virtual terminal, transaction search, chargeback and refund workflows, fraud controls, and reporting in one dashboard. Midcove works with NMI, Authorize.Net, Stripe, and PayPal.
Do I need a new merchant account to use these features?
No. Midcove connects to the merchant account (MID) you already have — there's no new MID and no re-underwriting. Because nothing about your processing relationship changes, most merchants go live the same day.
Which payment gateways does Midcove support?
Midcove supports exactly four gateways: NMI, Authorize.Net, Stripe, and PayPal. You can board one MID or run accounts from several of these gateways side by side with multi-gateway processing.
Do all eleven features work on a single MID?
Yes. One boarded MID gets the full toolset — terminal, transaction dashboard, refunds, chargebacks, fraud filters, reporting, and role-based access. Higher plan tiers add support for multiple gateways and advanced fraud rules.
Do the features share data with each other?
Yes — that's the point of running them in one CRM. Every feature reads from the same transaction record, so a sale keyed in the virtual terminal is instantly searchable in the dashboard, refundable in two clicks, linked to any later dispute, and counted in your reports.
Which feature should I start with?
Start with merchant onboarding, since boarding your MID unlocks everything else. From there, pick the tool that matches your biggest pain: the virtual terminal for phone orders, chargeback management if disputes are piling up, or fraud prevention if you're seeing suspicious traffic.
Can developers integrate Midcove instead of using the dashboard?
Yes. Midcove ships a drop-in plugin and a REST API, so you can embed payments in your own product. The unified API works the same across all four supported gateways, which means one integration instead of four.
How does chargeback management work in Midcove?
You're alerted the moment a dispute opens on a boarded MID. Each case gets a file where you upload evidence, and case tracking follows the dispute through to resolution — all linked back to the original transaction in your dashboard.
What fraud prevention controls are included?
You can block transactions by IP address, email, phone number, or card BIN, and Midcove automatically locks an account for 24 hours after repeated failed attempts. AVS and CVV checks also run on every virtual terminal payment.
How much does the Midcove CRM cost?
Plans start at $49/month for the Starter tier, which covers a single MID with the core toolset. Higher tiers add multiple gateways and advanced fraud rules, and Enterprise pricing is custom — see the pricing page for the full comparison.
Ready to bring your MID home?
Set up takes an afternoon, not a migration project.