Payment Gateway Integrations: Connect the Gateway You Already Use
Midcove's payment gateway integrations connect the merchant account you already have — with NMI, Authorize.Net, Stripe, or PayPal — to one CRM. No new MID, no re-underwriting, no switching processors. Pick your gateway below to see exactly how each connection works.
Four supported payment gateways, one CRM
Every gateway connection works the same way: link your existing account, keep your rates and processor, and manage everything from one dashboard.
NMI
Connect your existing NMI MID and run sales, voids, and refunds through Midcove's virtual terminal and CRM — the same gateway account, a far better cockpit.
NMI integrationAuthorize.Net
Link the Authorize.Net account you already have and manage every transaction, refund, and chargeback from Midcove without touching your merchant account.
Authorize.Net integrationStripe
Bring your own Stripe account into Midcove for a unified virtual terminal, chargeback workflow, and fraud screen alongside any other gateway you run.
Stripe connectionPayPal
Connect your PayPal merchant account and track every payment alongside your card gateways — one search, one export, one place to answer disputes.
PayPal integrationNo new merchant account, ever
Every integration on this page connects to a MID you already hold. Midcove doesn't underwrite you, re-approve you, or open a new merchant account on your behalf — it gives your existing gateway a better CRM layer on top: transaction management, chargeback management, and fraud prevention from one login.
- Keep the rates and processor relationship you already negotiated.
- Board more than one MID and route them with multi-gateway payment processing.
- Integrate with a drop-in plugin or call the unified payment gateway API directly.
- Card data is tokenized and encrypted in transit and at rest, built to align with PCI DSS requirements.
Works with the merchant account you already have
- NMI
- Authorize.Net
- Stripe
- PayPal
The four gateways at a glance
Each gateway earned its reputation differently — Midcove connects to whichever account you already hold.
| Gateway | Best known for | What you connect | What Midcove adds |
|---|---|---|---|
| NMI | White-label gateway infrastructure used widely by ISOs and payment providers, with broad processor compatibility. | Your existing NMI gateway account and MID. | Virtual terminal, transaction search, chargeback and fraud tools on the account you already have. |
| Authorize.Net | One of the longest-established gateways, working with a wide range of merchant account providers. | Your existing Authorize.Net account credentials. | One dashboard for sales, voids, refunds, and dispute evidence — no change to your account. |
| Stripe | Developer-first platform that combines processing and gateway with modern APIs and documentation. | Your existing Stripe account. | A virtual terminal and unified reporting layered over the Stripe account you keep. |
| PayPal | Globally recognized checkout and digital wallet with strong consumer familiarity. | Your existing PayPal merchant account. | PayPal activity tracked side by side with your card gateways in one CRM. |
Still weighing which gateway fits your business? Read our full NMI vs Authorize.Net vs Stripe vs PayPal comparison — and remember that with Midcove you don't have to pick just one.
How payment gateway integrations work in Midcove
Because you're connecting an account that's already underwritten, most merchants go live the same day.
Choose your gateway
Pick NMI, Authorize.Net, Stripe, or PayPal — or more than one. Midcove supports exactly these four, deeply, rather than hundreds shallowly.
Enter your credentials
Paste the API keys from your existing gateway account. Our guided merchant onboarding flow walks you through where to find them.
Verify the connection
Run a test transaction to confirm sales, voids, and refunds flow correctly between Midcove and your gateway.
Go live the same day
No new underwriting means no waiting. Start processing through the virtual terminal and managing transactions immediately.
What every gateway connection unlocks
Whichever gateway you link, the same CRM toolkit switches on the moment the connection is verified.
Virtual terminal
Key in phone and mail orders with AVS and CVV checks on every card, through any connected gateway.
Virtual terminalTransaction dashboard
Search, sort, void, and refund every sale from one screen — no matter which gateway processed it.
Transaction managementChargeback management
Get dispute alerts, upload evidence, and track cases across every connected account in one queue.
Chargeback managementFraud prevention
Block by IP, email, phone, or BIN, with an automatic 24-hour lockout after repeated failed attempts.
Fraud preventionRefund management
Issue full or partial refunds in a couple of clicks, with every refund logged against the original sale.
Refund managementReporting & exports
Reconcile across gateways with combined reports and clean exports your bookkeeper will actually use.
Payment reportingGateway Integration Questions, Answered
Which payment gateways does Midcove integrate with?
Midcove supports exactly four gateways: NMI, Authorize.Net, Stripe, and PayPal. We focus on deep, reliable connections to these four rather than shallow support for hundreds, so every feature — virtual terminal, chargebacks, fraud rules, reporting — works consistently across all of them.
Do I need a new merchant account to use Midcove?
No. Midcove connects to the merchant account and MID you already have with your gateway. There's no new application, no re-underwriting, and no change to your processor relationship or rates.
Can I connect more than one gateway at the same time?
Yes. Multi-gateway processing lets you board several MIDs — even across different gateways — and manage all of them from one login. The Starter plan covers a single MID; higher tiers add multiple gateways and advanced fraud rules. See the pricing page for details.
Will connecting Midcove change my rates or my processor?
No. Midcove is a CRM layer that sits on top of your existing gateway account. Your processing agreement, rates, and settlement all stay exactly where they are — Midcove never inserts itself into the money flow.
How long does it take to connect a gateway?
Because you're linking an account that's already underwritten, there's no approval wait. Most merchants enter their API credentials, verify with a test transaction, and go live the same day.
What do I need to set up a gateway connection?
Just the API credentials from your existing gateway account — each gateway's dashboard provides them. Midcove's guided onboarding flow shows you exactly where to find the keys for NMI, Authorize.Net, Stripe, and PayPal.
Which gateway should I choose if I don't have one yet?
It depends on your business: NMI is popular with ISOs and payment providers, Authorize.Net is a long-established option that works with many merchant account providers, Stripe is developer-first, and PayPal brings strong consumer recognition. Our NMI vs Authorize.Net vs Stripe vs PayPal comparison walks through the differences.
Is the gateway connection secure?
Midcove 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 limit who on your team can see or act on payment data.
Can developers integrate directly instead of using the dashboard?
Yes. Midcove ships a drop-in plugin for fast setup and a REST API for custom builds. The unified API gives you one integration surface across all four gateways, so switching or adding a gateway doesn't mean rewriting code.
Can I switch gateways later without losing my Midcove setup?
Yes. Because Midcove sits above the gateway layer, you can add or change gateway connections while keeping your dashboards, fraud rules, user roles, and reporting history in place.