High Risk Merchant Account with NMI Integration

An Overview

Get a High Risk Merchant Account That Seamlessly Integrates with NMI.

NMI acts as the bridge between your website, shopping cart, or virtual terminal and your SoarPay high risk merchant account, delivering secure, reliable payment processing specifically tailored to the unique needs of high risk businesses.

Why Choose NMI For Your High Risk Merchant Account?

You may have already selected a shopping cart (or another type of software) that uses NMI as the default payment gateway. In that case, you’ll select NMI due to that. But many, high risk businesses who have a number of choices, often select NMI because it delivers:

• Adaptable & Multi-Platform – NMI supports an array of eCommerce, POS systems, and custom integrations through SDKs and APIs, allowing you to embed payment capabilities across websites, mobile apps, and kiosks.
• Built for High Risk Businesses – NMI is known for its customizable compliance features and flexibility in sensitive verticals—perfect for industries requiring specialized risk handling.
• Robust Security Tools – Includes advanced fraud detection, tokenization, recurring billing, and support for 3D Secure, helping reduce chargebacks and maintain PCI intensity.
• Developer Friendly – NMI has industry leading payment flow flexibility and a modular design tailored to developers, enabling you to build exactly what works best for you and your customers.
• MID Waterfalling – NMI’s intelligent transaction routing automatically re-attempts declined payments through multiple Merchant IDs (MIDs) or allows you to cycle transactions through multiple merchant accounts. This “waterfall” system increases approval rates, reduces failed transactions, and maximizes revenue, all especially valuable features for high risk merchants who often have more frequent declines or who are balancing multiple merchant accounts.

Together, a SoarPay high risk merchant account and the NMI payment gateway provide high risk businesses with dependable payment processing, robust fraud protection, and integration flexibility.

How To Integrate NMI With Your High Risk Merchant Account

Overview: A step-by-step guide to connecting your SoarPay high risk merchant account with the NMI payment gateway, so you can start securely accepting credit card payments through your website, shopping cart, or virtual terminal.

Step 1: Welcome Email
Once approved for your high risk merchant account from SoarPay, you’ll receive a welcome email containing your:

1. NMI Gateway URL
2. API Token / API Login ID
3. API Key

Save this information—it’s required to set up your payment gateway.

Step 2: Log Into NMI

1. Access the login link provided in your welcome email.
2. Enter your credentials to log in to the NMI gateway dashboard.
3. Explore sections like Settings, API, Fraud Controls, and Reports, as you’ll use them to configure and monitor your payment flows.

Step 3: Adjust High Risk Account Settings
SoarPay pre-configures optimal fraud and risk settings for NMI, including:

• Velocity rules (e.g., max transactions per card or IP)
• AVS (Address Verification Service)
• CVV or CVC enforcement
• Billing region/country restrictions
• Transaction amount thresholds
• 3D Secure or MFA

Step 4a: Connect NMI to Your Shopping Cart or Website
If you plan on offering eCommerce shopping, you’ll need to connect your selected Shopping Cart with your NMI payment gateway. We have specific integration instructions for each of the major Shopping Carts here, but generally speaking, here are the steps.

1. Open your shopping cart’s Payment Settings or Checkout Configuration.
2. Select NMI as your payment gateway.
3. Enter the API Token, API Key, and any other credentials.
4. Save and run a test transaction to verify success.

Step 4b: Use NMI as a Virtual Terminal
If you want to accept Virtual Terminal (over the phone) payments, with your NMI account:

1. Login to your NMI gateway dashboard.
2. Go to Virtual Terminal or Manual Entry.
3. Select New Transaction, choose Authorize or Authorize & Capture.
4. Enter card or bank details, amount, and any customer info.
5. Click Submit to complete the transaction.

Step 5: Start Processing Payments!
You’re now fully set up to start processing payments through NMI and your SoarPay high risk merchant account!

Why High Risk Businesses Choose SoarPay + NMI Integration?