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Overview of NMI gateway integration


Overview of NMI gateway integration

Supported features

The following table provides a quick reference for the supported features. For details about each feature, see the later sections in this article.

Supported payment methods Credit Card/Prepaid Card/Gift Card, ACH
Supported payment operations Validate, Payment, Payment cancel, Referenced refund, Non-referenced refund
Support 3D Secure 2.0 No
Support Delayed Capture No
Support Level 2 and Level 3 card data No
Support stored credential transactions Yes
Support Gateway Options fields No
NMI gateway's production endpoint used for Zuora gateway integration service
Support Gateway Reconciliation No
Support Payment Method Updater No

Supported payment methods

The NMI gateway integration supports the following payment methods:

  • Credit Card/Prepaid Card/Gift Card, including
    • Visa
    • MasterCard
    • American Express
    • Discover
    • Diners
    • JCB
  • ACH

Supported payment operations

The following payment operations are available through NMI:

  • Payment Method Creation (zero and positive default authorization amount)
  • Payment creation (sale)
  • Payment refund (referenced)
  • Payment credit (non-referenced refund)
  • Payment cancelation

The NMI payment gateway integration does not support payment reconciliation.

Support for stored credential transactions

NMI gateway integration includes support for the Stored Credential Transactions framework, but it does not support the sharing NTI feature. For details, see Support for stored credential transactions overview.


  • The NMI gateway does not have different endpoints for test and production. In order to use a test account, a customer will have to go to their merchant control panel (Settings > Test Mode > ‘Enable Test Mode’).

  • The Use Test Gateway setting does not impact this gateway because enabling the testing environment is driven by the credentials and settings in the Merchant Portal

  • By default, all gateway accounts have a duplicate threshold setting of 1200 seconds (20 minutes). This time period can be adjusted, overridden, or turned off completely. Customers will have to contact their merchant service provider to adjust this setting.