eCommerce Products

ATRI™ (Advanced Transaction Routing Interface)

Challenge
When a merchantA business that accepts credit cards for goods or services. completes an application for a merchantA business that accepts credit cards for goods or services. account, it must specify the type of transactions it’s going to process. If the merchantA business that accepts credit cards for goods or services. wants to process a different type of transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account...., it would have to apply for an additional merchantA business that accepts credit cards for goods or services. account. For example, if the merchantA business that accepts credit cards for goods or services. indicated it was only going to process low-risk transactions, it would have to add another merchantA business that accepts credit cards for goods or services. account for higher risk transactions. Because of this, merchants with multiple merchantA business that accepts credit cards for goods or services. accounts are forced to maintain multiple gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. accounts.

Solution
Network Merchants developed the Advanced TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... Routing Interface™ (ATRI™), which allows merchants with multiple MerchantA business that accepts credit cards for goods or services. IDs to process all of their transactions through one gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. account. With the ATRI™ routing system, transactions are automatically routed to the appropriate processorA large data center that processes credit card transactions and settles funds to merchants. A processor connects to the merchant on behalf of an acquirer via a gateway or POS system to process payments electronically. Processors edit and format messages and switch to bankcard networks. They provide files for clearing and settlement and other value-added services.... based on the criteria configured in the gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor.. It’s intuitive, easy-to-use, and saves time and money.

Batch Processing

Batch ProcessingA type of data processing where related transactions are transmitted as a group for processing. is used by merchants who store customer orders in spreadsheet formats such as Excel® or Comma Separated Values (CSV).

Merchants upload these files to the payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. to efficiently process large volumes of transactions. The payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. supports BatchA collection of credit card transactions saved for submitting at one time, usually each day. Merchants who do not have real-time verification systems must submit their transactions manually through a POS terminal. Batch fees are charged to encourage a merchant to submit his or her transactions at one time, rather than throughout the day.... Upload files in CSV, XLS, or TXT files via FTP over SSLSecure Socket Layer. A method of encryptions to secure information traveling over the Internet. SSL is now the predominant security protocol for online transactions. Messages between the merchant’s server and the consumer’s browser are automatically encrypted (scrambled) when sent and then decrypted (unscrambled) when received.... or manual web upload.

There is great flexibility on the different formats through Batch ProcessingA type of data processing where related transactions are transmitted as a group for processing.. For example, merchants can specifically create a “custom format”, use an “auto-detect” format, or use an “original” pre-determined format.

Key Features:

• High performance multi-threaded processing
• Works efficiently with small and large batchA collection of credit card transactions saved for submitting at one time, usually each day. Merchants who do not have real-time verification systems must submit their transactions manually through a POS terminal. Batch fees are charged to encourage a merchant to submit his or her transactions at one time, rather than throughout the day.... files – from files containing hundreds of transactions to files containing hundreds of thousands of transactions

CertifyPCI™

CertifyPCI™ is an in-house automated web-based tool that provides an easy way for merchants to satisfy their Payment Card Industry (PCI) compliance requirements. According to the PCI Security Council, merchants and agents are required to adhere to strict PCI Data Security Standards (DSS) or risk losing their ability to process transactions.

With CertifyPCI™ merchants and agents are afforded the opportunity to quickly and securely gain compliance with a turn-key solution that includes receiving a validation certificate upon completion.

CertifyPCI™ also offers a $50,000.00 insurance policy per occurrence in the event of a merchantA business that accepts credit cards for goods or services. breach.

Customer Vault

The Customer Vault was designed specifically for businesses of any size to address security concerns about handling customer payment information. Visa and MasterCard have instituted the Payment Card Industry (PCI) Data Security Standard to protect cardholder data–wherever it resides–ensuring that members, merchants, and service providers maintain the highest information security standard.

These associationsVisa and MasterCard are members of the associations. They establish and administer rule and regulations for the credit card industry. have also deemed that merchants will be held liable for any breach of cardholder data. This has become a major concern for merchants who may handle credit card or electronic check payments, but are looking to avoid the tremendous costs and resources involved in becoming PCI compliant.

Customer Vault Solution
The Customer Vault allows merchants to transmit their payment information through a Secure Sockets Layer (SSLSecure Socket Layer. A method of encryptions to secure information traveling over the Internet. SSL is now the predominant security protocol for online transactions. Messages between the merchant’s server and the consumer’s browser are automatically encrypted (scrambled) when sent and then decrypted (unscrambled) when received....) connection for storage through payment security specialist, NMI and their Level 1 PCI certified data facilities. Once the customer record has been securely transmitted to the Customer Vault, the merchantA business that accepts credit cards for goods or services. can then initiate transactions remotely without having to access cardholder information directly. This process is accomplished without the merchantA business that accepts credit cards for goods or services. storing the customer’s payment information in their local database or payment application.

Furthermore, using the Network Merchants Browser Redirect Method in conjunction with the Customer Vault allows merchants to process transactions without transmitting any payment information through their web application. This unique approach provides best of class application flexibility without any PCI compliancy concerns. The Network Merchants Redirect API (Advanced Programmers Interface) is available by request of the project manager.

Electronic Invoicing

Merchants using NMI’s Electronic Invoicing system generate invoices with line by line detailed information. Invoices are automatically converted to PDFs, attached via email and sent to the customer’s billing email address. Customers simply follow a link in the email to pay their open invoices. All invoices are kept within the payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. and can be easily retrieved or re-sent with a click of a button. There is no limit to the amount of invoices that can be sent. And, merchants don’t need a website to get paid.

As for security, by sending out electronic invoices there is no need for merchants to store sensitive payment data. This allows merchants to avoid the most rigorous of PCI.

Key Features:

• Manage Your Resources Wisely – Streamline the billing process by reducing the time it takes to manage the paperwork and get paid.
• Secure – No need for merchants to store sensitive data eliminating the most rigorous of PCI compliance issues.
• Accept Full or Partial Payments – Ability to accept multiple full or partial payments in different forms.
• Real-Time Invoice Creation & Delivery – Encourage faster payments.
• Reporting – Maintain more complete and secure records 
with NMI’s enhanced reporting system.
• Support Multiple Currencies & Tax Structures – Supports over 90 currencies.

Gateway Emulator

NMI’s GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. Emulator™ makes it easy for merchants to switch from other gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. providers without having to rework or reprogram their application. The Emulator automatically understands other gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. formats, interprets their incoming transmissions and responds with their native message. By utilizing the Emulator, developers save considerable time and expense.

iProcess™

Challenge
Mobile merchants who need to process secure transactions on-the-go.

Solution
Network Merchants has developed a payment application for Apple® and Android® devices called iProcess™. iProcess™ is a simple, fast, and free application for Apple® devices to process credit cards anywhere in the world over a cellular or Wifi connection.

Key Features:

• iProcess™ will Geotag the location of the transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... on the receiptA hard copy of the description of the transaction that took place..
• Print or e-mail receipts.
• Capture digital signatures.
• Add a tip to the total transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account...., if necessary.
• Perform full or partial refunds from the TransactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... History Log.
• Allow you to process both keyed and swipe transactions with NMI’s encrypted Swipe Solution.

iSpyFraud™

iSpyFraud™ is a rule-set based fraud management utility that allows merchants to configure extensive filters to help them in detecting and protecting against fraud and screening suspicious transactions.

iSpyFraud™’s extensive reporting system gives merchants a quick and easy way to review transactions, block suspicious activity, and zero in on malicious users.

iSpyFraud™ looks at transactions both before and after processing and can decline transactions before and after authorizationThe request to charge a cardholder for goods or services. Authorization must be settled in order to post the authorization to the cardholder’s account. If not processed within a certain time frame authorizations will be cancelled. The time period is usually from 3-7 days..... The successful implementation and reduction in chargebacks across numerous merchants has been a testament to the effectiveness of this product.

iSpyFraud™ allows the user to choose the limit for amount charged in a single transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account...., in a day, month, or even a week. iSpyFraud™ will even allow the user to limit the number of transactions performed in a day or week. These transactions or amounts can be linked to a credit card number or IP address.

Level 3 Processing

Level III Processing is used by government and enterprise-level corporations when handling large orders through business-to-businessBusiness-to-business commerce. and business-to-government transactions.

Merchants utilizing Level III Processing can pass extended transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... data to the payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. which is required for certain industries. This allows merchants to secure lower interchangeThe exchange of debit and credit transaction data between merchant banks and cardholder banks based on an agreement (governed by BASE II [VISA] or INET [MasterCard]) between the participants. The fees charged by the Issuer to the Acquirer. rates and provides cardholders with enhanced data to better understand purchasing patterns, improve purchasing performance, and monitor employee compliance.

Key Feature:

• Level III Processing is supported through NMI’s innovative Application Programming Interface (API).

Merchant Defender

MerchantA business that accepts credit cards for goods or services. Defender eliminates clear text credit card information from a merchant’s environment, regardless of their processing method. MerchantA business that accepts credit cards for goods or services. Defender will remove your network completely from handling any sensitive payment data. No matter what type of transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... processing used, clear text credit card data will never be transmitted nor stored on your network and devices. By ensuring that every interaction is completely secure, you can rest at ease knowing that if an intruder is sitting on your network, they have no access to any sensitive credit card data.

The MerchantA business that accepts credit cards for goods or services. Defender suite includes everything you need to take yourself out of the loop of having to protect cardholder data and virtually eliminates the burden of PCI compliance.

How Does it Work?
Once activated, Keyed-In transactions (MOTOA type of payment card transaction where the order and payment information is transmitted to the merchant either by mail or by telephone. This a card not-present transaction.), Swiped transactions (Card Present), and E-Commerce transactions (Card-Not-PresentA merchant environment where the cardholder (and the card) is not physically present at the time of purchase. Typical card-not-present transactions take place in businesses focused on mail order/telephone order, business-to-business, and Internet-based transactions....) function only using encrypted card data. If a merchantA business that accepts credit cards for goods or services. attempts to process an actual unencrypted credit card, MerchantA business that accepts credit cards for goods or services. Defender will defend the transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... attempt by disallowing any data transmission or processing.

Keyed-In-Transactions
An encrypted keypad will be supplied to any users that will manually be Keying-In credit cards to process or search for transactions.

Swiped Transactions
An encrypted card reader and licensed GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. SwIPe software will be supplied to any users that will be performing card-presentA situation where the cardholder (and the card) is physically present at the time of purchase. swiped transactions.

•iProcess™ Mobile Payments application will be supplied to any users that will be performing Mobile Payments.

eCommerce Transactions
Lock down all web-based consumer entered payment data to require collection via patent pending Three Step Redirect API™.

Mobile API

The Mobile API contains many code examples and explanations to make integrations seamless and straightforward. NMI’s Mobile API is available for both Apple iOS™ and Android™ devices. Their friendly and knowledgeable integration specialists are equipped with the tools to quickly identify, address, and help resolve issues you may encounter during the integration process. Customer service is always a number one priority.

Our Mobile API contains two components:

• An End-To-End Encryption Library which will allow credit card data to be encrypted on a mobile device and unencrypted only by the Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor..
• A Swipe Device Library which will provide a simple, easy to integrate, event-driven interface for apps incorporating swipe reader functionality.

Payer Authentication

Payer Authentication, also known as Verified by Visa® (VbV) and MasterCard SecureCode™, are security protocols developed by Visa and MasterCard that allow consumers to shop online more securely. Visa and MasterCard also give incentives to eCommerce businesses that enable these programs by providing chargebackThe act of reversing a sale made by the merchant. This can happen for many reasons including procedural and fraud. The process usually begins with a dispute from the cardholder. protection and lower interchangeThe exchange of debit and credit transaction data between merchant banks and cardholder banks based on an agreement (governed by BASE II [VISA] or INET [MasterCard]) between the participants. The fees charged by the Issuer to the Acquirer. rates.Simply put, Payer Authentication is validation that the online shopper is the cardholder. Merchants participating in the programs are helping to fight identity theft and consumers become more inclined to continue shopping at these secure websites.

Key Features:

• Reduced Chargebacks – Merchants utilizing Payer Authentication are afforded more protection against chargebacks
• InterchangeThe exchange of debit and credit transaction data between merchant banks and cardholder banks based on an agreement (governed by BASE II [VISA] or INET [MasterCard]) between the participants. The fees charged by the Issuer to the Acquirer. Discounts – In some cases merchants experience lower interchangeThe exchange of debit and credit transaction data between merchant banks and cardholder banks based on an agreement (governed by BASE II [VISA] or INET [MasterCard]) between the participants. The fees charged by the Issuer to the Acquirer. rates
• Lower Fraud Screening and manual review costs – Merchants spend less time and money reviewing suspicious transactions
• Expand Internationally – Merchants can increase business in foreign markets with less risk

Integration Methods and APIs

NMI provides developers with multiple payment integration methods. We’ve designed payment integration tools that are easy to understand and implement.From beginners to advanced developers, they offer you a variety of solutions for all levels of expertise.

Third-Party Shopping Carts
As a result of collaboration with popular shopping cartA software program used for Internet websites. The shopping cart totals up orders, tax, add shipping costs and transmit information to the merchant’s payment gateway in order to process the sale. providers, NMI offers turn key software that includes support for the NMI payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor.. Merchants of any size, with no programming knowledge, can quickly integrate this solution with minimal ongoing support.

NMI QuickClick Shopping CartA software program used for Internet websites. The shopping cart totals up orders, tax, add shipping costs and transmit information to the merchant’s payment gateway in order to process the sale.
QuickClick is NMI’s FREE proprietary shopping cartA software program used for Internet websites. The shopping cart totals up orders, tax, add shipping costs and transmit information to the merchant’s payment gateway in order to process the sale. solution developed for merchants who are looking for an affordable method of linking their web site to the payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor.. QuickClick is a secure and reliable solution that is very simple to use.

Application Programming Interfaces (APIs)
NMI has carefully and methodically drafted Application Programming Interface (API) documentation, which reflects NMI’s development philosophy structured, concise and easy to understand. Their API’s give developers the flexibility and features that advanced programmers require when designing sophisticated applications.Their friendly and knowledgeable integration specialists are equipped with all the tools to quickly identify, address and resolve issues during the integration process. As always, customer service is the number one priority. Should you need any integration assistance, you may contact NMI by using the following methods: by phone at 800-617-4850 or via the Contact Form.

Recurring Billing

Recurring billing allows merchants to charge customers via multiple payment methods including credit card, debit card or electronic check on regular intervals through saved billing schedules.

The payment gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. has two distinct Recurring methodologies:

Subscription Based Recurring Model – Merchants set a unique billing schedule for each customer. For example, a merchantA business that accepts credit cards for goods or services. may establish a billing cycle for Customer A of $20 on the 15th of every month and Customer B of $50 on the 1st of every month.

Plan Based Recurring Model – Merchants establish pre-defined billing plans and link customer(s) to the specific plan. For example, a merchantA business that accepts credit cards for goods or services. may offer a variety of services at different price points. An important benefit to the Plan Based Model occurs when the merchantA business that accepts credit cards for goods or services. updates a plan – a single change affects many customers all at once, instead of updating each customer subscription individually.

Shopping Cart Solutions

NMI’s software works with a variety of shopping cartA software program used for Internet websites. The shopping cart totals up orders, tax, add shipping costs and transmit information to the merchant’s payment gateway in order to process the sale. providers and constantly integrates with new shopping carts to accommodate demand. Below is a list of the most common shopping carts they work with. The list is not inclusive, so please contact support for further inquiries.

Three Step Redirect API™

The Three Step Redirect API™ methodology ensures secure data transmission by keeping merchants from seeing, touching, handling, transmitting, and even storing any sensitive payment information.

By taking merchants outside the scope of handling sensitive payment information, the Three Step Redirect API™ minimizes the cost and complexity of industry regulations and standards; especially the Payment Card Industry Data Security Standard (PCI-DSS).

The customer never knows they left the merchant’s website. The seamless look and feel is always kept throughout the process.

How Does it Work?
Here is an example of a typical transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.... involving the Three Step Redirect API:

Catherine, the customer, enters Wally’s Website to purchase his famous wallpaper. Catherine picks out her favorite design and goes to Wally’s checkout to make the purchase.

Wally itemizes the products in Catherine’s shopping cartA software program used for Internet websites. The shopping cart totals up orders, tax, add shipping costs and transmit information to the merchant’s payment gateway in order to process the sale. and creates an invoice, which he sends to the Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor.. The Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. receives Wally’s invoice and responds to Wally, providing him a URL where Catherine goes to enter her sensitive payment information.

Catherine leaves Wally’s website seamlessly, and submits her payment information to the Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. bypassing Wally completely. The Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. combines information from Wally’s invoice with Catherine’s sensitive payment information and returns Catherine back to Wally’s Website.

Wally sees Catherine has returned and receives a token from the Payment GatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. confirming terms of the transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account..... Wally can then suggest other items for Catherine to purchase or instruct the gatewayA payment gateway is a combination of hardware and software that provides merchants with the ability to perform real-time credit card authorizations from a website over the Internet. It’s the link between a merchant website and the processor. to process the transactionAn act between a seller and a cardholder that results in either a paper or an electronic representation of the cardholder’s promise to pay for goods or services received from the act. The action between a cardholder and a merchant that results in financial activity between the merchant and cardholder’s account.....

All of the above takes place in just a few seconds!

Virtual Terminal Payments

The Virtual TerminalA web based credit card terminal that merchants can process sales through from any location that they have Internet access from. allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual TerminalA web based credit card terminal that merchants can process sales through from any location that they have Internet access from. supports various payment methods including ACHAutomated Clearing House (ACH) is an electronic payment Network that exchanges funds via Electronic Funds Transfer (EFT) throughout the U.S. Over 98% of the nation’s banks including the Federal Reserve belong to the ACH. ACH is the paperless funds transfer system maintained by the Federal Reserve or other entities that have networks to exchange electronic funds transfer items...., credit cards and debit cards.

Unique Features of the Virtual TerminalA web based credit card terminal that merchants can process sales through from any location that they have Internet access from.:

• Real time form field validation – Helps eliminate key-entry errors by highlighting invalid fields and providing positive reinforcement for valid entries.
• Ability to use encrypted card readers – Secure card readers allow merchants to accept card present transactions. This lowers the risk of fraud and allows merchants to receive discounted processing rates.
• Check scanning devices – Check scanners provide a fast and efficient way for merchants to process multiple checks and avoid costly mistakes associated with typographical errors.
• Customer Tokenization – While using the Virtual TerminalA web based credit card terminal that merchants can process sales through from any location that they have Internet access from., merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.