NMI gateway with multi-MID routing
Connect the NMI merchant accounts you already hold. ElasticFunnels picks the MID for each charge, and retries a soft decline on the next one when the card can be re-sent — not for Collect.js, Apple Pay or Google Pay.
NMI at a glance
- Type
- Payment gateway
- Connect with
- Security and tokenization keys
- Card fields
- Collect.js tokenization
- MIDs
- Each with its own security key
- Wallets
- Apple Pay, Google Pay
- EF processing fee
- 0.5% of revenue
What the NMI integration does
NMI moves the transaction. ElasticFunnels decides which of your MIDs gets it, retries a soft decline on another MID when the card can be re-sent (not Collect.js, Apple Pay, Google Pay or vault charges), and charges the stored card for upsells and renewals.
- Add each MID with its own security key, weight, daily cap and rules for card brand, amount and product
- Retry soft declines on the next MID when the card can be re-sent — direct-encrypted/keyed entry only, not Collect.js or wallets — for the NMI response and processor codes you pick, up to a retry limit you set
- See sales, revenue and refunds broken out per MID in the load balancing report
- Mark each merchant for checkout, upsells, rebills, retention offers or call center phone orders
What runs through NMI
- Checkout
- Cards, Apple Pay, Google Pay
- Bumps and upsells
- One click, same card
- Rebills
- Renewals and dunning retries
- Soft declines
- Retried on the next MID, not for Collect.js or wallets
- Call center
- Phone orders on MOTO keys
- Returning buyers
- QuickBuy, card on file
How to connect NMI
Your security key and vault settings are checked against NMI when you save the merchant.
Add an NMI merchant
In Settings → Merchants, click Add Merchant, pick NMI and choose sandbox or live mode.
Paste your keys
Paste the private security key and the public tokenization key for Collect.js. Turn on Customer Vault so renewals can charge the stored card.
Add your MIDs
On the Load Balancing tab, add each MID with its security key and weight, then set routing rules and cascading retry rules (retries are not for Collect.js or wallet merchants).
Assign it to a domain
In Settings → Domains, set the NMI merchant on your checkout domain, then place a test order.
Full guide: High-risk merchants and MIDs Apple Pay and Google Pay Subscription emails and dunning QuickBuy
NMI + MID routing
Checkout to your MIDs
Each charge goes to the MID your weights and rules pick. A soft decline retries on the next one when the card can be re-sent — not Collect.js, wallets or vault.
Upsells and rebills on the stored card
One-click upsells and renewals charge the card in the NMI Customer Vault. No second form.
Call center to NMI
Agents take phone orders on the customer record, charged on MIDs that carry MOTO keys.
Per-MID performance in the load balancing report
See sales, revenue and refunds broken out by MID for the period you pick.
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NMI integration FAQ
Does ElasticFunnels give me an NMI merchant account?
No. ElasticFunnels does not underwrite anyone and does not issue merchant accounts. You bring the MIDs you already hold through NMI, and ElasticFunnels decides which one each charge goes to.
How does multi-MID routing work with NMI?
Each MID is added to the NMI merchant with its own security key and a weight. Charges are spread by weight across the active MIDs whose rules match the card brand, amount, product and daily cap.
What is cascading, and which declines are retried?
When a charge is soft-declined, ElasticFunnels retries it on another MID when the card can be re-sent, so it does not apply to Collect.js tokenized entry, Apple Pay, Google Pay or vault charges. Only the NMI response codes and processor codes you list trigger a retry, and you set the maximum number of retries.
Do Apple Pay and Google Pay work with NMI?
Yes, on merchants that use Collect.js. Google Pay shows on Android. Apple Pay needs Apple Pay enabled in NMI, your checkout domain registered and the Apple verification file on the domain. Wallet subscriptions also need Customer Token Vault switched on at NMI.
What does ElasticFunnels charge on NMI payments?
A 0.5% processing fee on revenue that runs through gateways ElasticFunnels operates, NMI included. NMI and your acquirer bill their own fees separately.