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ATRI™ (Advanced Transaction Routing Interface)


Challenge

When a merchant completes an application for a merchant account, it must specify the type of transactions it's going to process. If the merchant wants to process a different type of transaction, it would have to apply for an additional merchant account. For example, if the merchant indicated it was only going to process low-risk transactions, it would have to add another merchant account for higher risk transactions. Because of this, merchants with multiple merchant accounts are forced to maintain multiple gateway accounts.

Solution

Network Merchants developed the Advanced Transaction Routing Interface™ (ATRI™), which allows merchants with multiple Merchant IDs to process all of their transactions through one gateway account. With the ATRI™ routing system, transactions are automatically routed to the appropriate processor based on the criteria configured in the gateway. It's intuitive, easy-to-use, and saves time and money.


Batch Processing

Batch 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 gateway to efficiently process large volumes of transactions. The payment gateway supports Batch Upload files in CSV, XLS, or TXT files via FTP over SSL or manual web upload.

There is great flexibility on the different formats through Batch 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 batch files - from files containing hundreds of transactions to files containing hundreds of thousands of transactions

CertifyPCI™

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 merchant 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 associations 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 (SSL) connection for storage in NMI’s Level 1 PCI certified data facilities. Once the customer record has been securely transmitted to the Customer Vault, the merchant can then initiate transactions remotely without having to access cardholder information directly. This process is accomplished without the merchant 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 gateway 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 Gateway Emulator™ makes it easy for merchants to switch from other gateway providers without having to rework or reprogram their application. The Emulator automatically understands other gateway 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 transaction on the receipt.
  • Print or e-mail receipts.
  • Capture digital signatures.
  • Add a tip to the total transaction, if necessary.
  • Perform full or partial refunds from the Transaction 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 authorization. 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 transaction, 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-business and business-to-government transactions.

Merchants utilizing Level III Processing can pass extended transaction data to the payment gateway which is required for certain industries. This allows merchants to secure lower interchange 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

Merchant Defender eliminates clear text credit card information from a merchant's environment, regardless of their processing method. Merchant Defender will remove your network completely from handling any sensitive payment data. No matter what type of transaction 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 Merchant 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 (MOTO), Swiped transactions (Card Present), and E-Commerce transactions (Card-Not-Present) function only using encrypted card data. If a merchant attempts to process an actual unencrypted credit card, Merchant Defender will defend the transaction attempt by disallowing any data transmission or processing.

Keyed In Transactions

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

Swiped Transactions

An encrypted card reader and licensed Gateway SwIPe software will be supplied to any users that will be performing card-present swiped transactions.

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

eCommerce Transactions

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 Gateway.
  • 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 chargeback protection and lower interchange 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
  • Interchange Discounts - In some cases merchants experience lower interchange 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 provide 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 cart providers, NMI offers turn key software that includes support for the NMI payment gateway. Merchants of any size, with no programming knowledge, can quickly integrate this solution with minimal ongoing support.

NMI QuickClick Shopping Cart

QuickClick is NMI's FREE proprietary shopping cart solution developed for merchants who are looking for an affordable method of linking their web site to the payment gateway. 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 gateway has two distinct Recurring methodologies:

Subscription Based Recurring Model - Merchants set a unique billing schedule for each customer. For example, a merchant 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 merchant may offer a variety of services at different price points. An important benefit to the Plan Based Model occurs when the merchant updates a plan - a single change affects many customers all at once, instead of updating each customer subscription individually.

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Shopping Cart Solutions

NMI is pleased to work with a variety of shopping cart providers and is constantly integrating 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.

Shopping Carts

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 transaction 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 cart and creates an invoice, which he sends to the Payment Gateway. The Payment Gateway 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 Gateway bypassing Wally completely. The Payment Gateway 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 Gateway confirming terms of the transaction. Wally can then suggest other items for Catherine to purchase or instruct the gateway to process the transaction.

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

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Shopping Cart Solutions

The Virtual Terminal allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.

Unique Features of the Virtual Terminal:

  • 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 Terminal, merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.