Simplify gateway setup, plug and play payments.
We integrate with Authorize.net and NMI, two of the most common payment gateways used by merchants that need stable online payment processing.
A gateway connects your website, checkout page, invoice link, or virtual terminal to your merchant account. In simple terms, it is the secure payment bridge that helps move the transaction from your customer to your processor.
Set up payments without rebuilding your checkout.
Most gateway integrations are simple. We help connect the gateway, plug in the API keys, adjust fraud settings, and test the checkout so the merchant can keep selling with little to no downtime.
Fast setup.
Many gateway setups can be completed quickly once the merchant account, gateway login, and website access are ready.
Simple connection.
API keys are secure connection codes. Your website uses them to talk to the gateway and send transactions safely.
No messy switch.
The goal is a clean plug and play setup with testing before launch, so payment changes do not interrupt sales.
Gateway setup, explained in plain english.
You do not need to know every technical term. We help translate the gateway setup into simple steps: connect the account, place the keys, adjust fraud rules, test the checkout, and go live.
Connect the gateway.
The gateway is the secure tool that connects your website, checkout, invoice, or virtual terminal to the payment processor.
Plug in the API keys.
API keys are like a secure handshake between your website and the gateway. They tell the checkout where to send payments.
Adjust AVS and fraud settings.
AVS checks the billing address. Fraud settings help block suspicious orders, duplicate attempts, high velocity activity, and bad checkout patterns.
Test and launch.
We test the checkout, confirm approvals and declines behave correctly, and help the merchant go live with a cleaner payment flow.
Choose the gateway that fits your payment flow.
Authorize.net and NMI can both support online payments, virtual terminal payments, invoicing, and ecommerce integrations. The better fit depends on how simple or advanced your payment setup needs to be.
Simple gateway setup, backed by Visa.
Authorize.net is a widely used payment gateway and is a wholly owned subsidiary of Visa. It is a strong fit for merchants who want a familiar gateway, clean ecommerce setup, virtual terminal access, invoicing tools, and straightforward fraud controls.
- Good fit for standard ecommerce checkouts
- Strong option for merchants who want a familiar gateway
- Supports AVS, CVV, fraud filters, invoicing, and virtual terminal tools
- Best when the merchant wants a clean, simple, stable setup
Flexible gateway setup, built for advanced routing.
NMI is often the better fit when a merchant needs more advanced gateway logic, multiple merchant IDs, transaction routing, MID waterfalls, or backup routing options. This can be useful for higher volume or more complex payment environments.
- Good fit for multi-MID and routing setups
- Useful when a merchant needs backup processing logic
- Better for waterfall style routing when supported and approved
- Strong option for merchants with more complex payment infrastructure
Authorize.net vs NMI.
Both gateways can work well. The difference is usually simplicity versus flexibility.
| Gateway | Best for | Simple explanation | Common merchant fit |
|---|---|---|---|
| Authorize.net | Clean ecommerce setups, invoicing, virtual terminal, and familiar gateway tools. | Think of Authorize.net as the simple, trusted gateway option for merchants who want payments connected without a complicated routing setup. | Merchants who want a straightforward website checkout, stable gateway, and basic fraud tools. |
| NMI | Advanced routing, multi-MID setups, MID waterfalls, and more flexible payment logic. | Think of NMI as the more flexible gateway option when the merchant needs more control over how transactions route. | Higher volume merchants, complex merchants, or businesses that may need backup routing and more advanced gateway structure. |
| Either gateway | API key setup, fraud settings, checkout connection, payment testing, and gateway support. | Both can connect your checkout to your merchant account. The right choice depends on how simple or advanced the setup needs to be. | Online stores, invoice based merchants, high risk merchants, and businesses replacing Stripe, PayPal, or Square. |
Fraud settings matter before the first order.
Gateway setup is not just about plugging in keys. Fraud filters need to be adjusted so good customers can check out and suspicious transactions are handled correctly.
Turn on AVS.
AVS means address verification. It checks whether the billing address or ZIP code matches what the card issuer has on file.
Require CVV.
CVV is the card security code. Requiring it helps reduce orders from stolen card numbers that do not include the security code.
Adjust velocity.
Velocity settings help flag too many attempts too quickly, like repeated declines, bot testing, duplicate transactions, or unusual checkout bursts.
Test before launch.
A test transaction confirms that the checkout, gateway, API keys, receipt, fraud settings, and settlement flow are working correctly.
Gateway terms made simple.
These are the terms merchants usually hear during setup. They sound technical, but the meaning is simple.
| Term | Simple meaning | Why it matters |
|---|---|---|
| Gateway | The secure payment bridge between your checkout and merchant account. | Without the gateway, your website or invoice tool cannot send transactions to the processor. |
| API keys | Secure connection codes used to connect your website to the gateway. | If the keys are wrong, the checkout will not talk to the gateway correctly. |
| AVS | Address verification. It checks the billing address or ZIP code. | It helps reduce fraud and gives the gateway more information before approving or declining a transaction. |
| CVV | The security code on the card. | It helps prove the customer has the physical card or complete card information. |
| Velocity settings | Rules that watch for too many payment attempts in a short time. | They help stop card testing, bot activity, duplicate attempts, and suspicious order bursts. |
| MID | Merchant ID. This is the processing account used to accept payments. | Some merchants have one MID. More advanced setups may use more than one MID for routing or backup processing. |
| MID waterfall | A routing setup where transactions can move through approved merchant IDs based on rules. | This can help complex merchants manage routing, but it must be approved and configured correctly. |
Gateway integration questions.
These are the main questions merchants ask before switching or connecting a new gateway.
How long does gateway setup take?
Many simple gateway setups can be completed in about 15 minutes once the gateway login, website access, API keys, and merchant account are ready. More complex carts, plugins, custom websites, or multi-MID setups may take longer.
Will my website have downtime?
The goal is no downtime. In most cases, the gateway can be connected, tested, and switched over without taking the website offline. The exact process depends on the platform and plugin.
What is better, Authorize.net or NMI?
Authorize.net is usually better when the merchant wants a simple and familiar gateway. NMI is usually better when the merchant needs more flexibility, multiple MIDs, routing logic, backup processing, or waterfall style configuration.
What are API keys?
API keys are secure codes that connect your website or checkout to the gateway. They work like a secure handshake, telling the checkout which gateway account should receive the transaction.
What fraud settings should be adjusted?
Start with AVS, CVV, duplicate transaction checks, velocity settings, transaction thresholds, and review or decline behavior. The right settings depend on the business type, order volume, average ticket, and fraud risk.
Can NMI support MID routing?
NMI can be a strong fit for transaction routing and multi-MID structures when the setup is supported, approved, and configured correctly. This is one reason some complex merchants prefer NMI over simpler gateway setups.
What does this mean in simple terms?
It means a merchant may have more than one approved processing account connected to the gateway, and the gateway can help route transactions based on setup rules. This should only be done with the right approval and configuration.
Need Authorize.net or NMI connected correctly?
I can help you choose the right gateway, connect the API keys, adjust AVS and fraud settings, test the checkout, and make the switch without making payments harder than they need to be.