Network Merchants Payment Gateway for WooCommerce 1.8.0.11

Network Merchants Inc. (NMI) is a high-performance payment gateway known for its flexibility, especially for merchants who need to manage multiple merchant accounts (MIDs) or work in "high-risk" industries.

Unlike Stripe or PayPal, NMI is a gateway-only provider that connects your WooCommerce store to almost any merchant bank.

1. Top WooCommerce Plugins for NMI

Since NMI doesn't have a single "official" plugin in the WordPress repository, several reputable third-party developers provide the bridge.

Plugin Name

Developer

Key Highlight

NMI Gateway for WooCommerce

XLPlugins

Uses Collect.js for PCI compliance; supports 1-click upsells.

Network Merchants (NMI)

PatSaTECH

High sales on CodeCanyon; supports Apple/Google Pay and Subscriptions.

NMI ACH Gateway

WP NMI

Specifically built for businesses focusing on ACH/eCheck payments.

2. Key Features

Customer Vault (Tokenization): Safely stores customer credit card info on NMI’s servers so returning customers can checkout with one click without you storing sensitive data.

Multi-MID Routing: If you have multiple merchant accounts, NMI can automatically route transactions to different accounts based on specific rules (e.g., by currency or volume).

WooCommerce Subscriptions: Most premium NMI plugins support recurring payments through the official WooCommerce Subscriptions extension.

Authorize & Capture: You can choose to "Authorize" a payment (hold the funds) and "Capture" (collect the money) only when the item is shipped.

3. How to Set It Up

To get NMI running on your store, you will typically follow these steps:

Get an NMI Account: You usually sign up through a reseller or an ISO (Independent Sales Organization).

Generate API Keys: Log into your NMI dashboard and navigate to Settings > API Keys to generate your Public Key and Private Key.

Install the Plugin: Upload your chosen NMI plugin to your WordPress site.

Configure in WooCommerce:

Go to WooCommerce > Settings > Payments.

Click "Manage" next to NMI.

Enter your API keys and select your transaction type (Sale or Authorization).

SSL Certificate: An SSL certificate (HTTPS) is mandatory for NMI to function, as it ensures the secure transmission of data.

4. Why choose NMI over Stripe/PayPal?

Pro Tip: NMI is the go-to choice if you have been "de-platformed" by Stripe or if you operate in an industry (like CBD, supplements, or firearms) that mainstream processors often avoid. It offers much tighter control over fraud settings and merchant account routing.

Are you setting this up for a high-risk industry, or are you looking to use NMI for its multi-merchant account routing features?