Accept credit cards, Apple Pay, and Google Pay seamlessly using the Gain Commerce NMI Payment Gateway for WooCommerce.
Engineered natively for WooCommerce Checkout Blocks and High-Performance Order Storage (HPOS), this plugin tokenizes cardholder data via NMI Collect.js—offloading PCI compliance away from your web server while providing a frictionless checkout experience.
Why Choose Gain Commerce NMI Payment Gateway for WooCommerce?
- One-Click Mobile Checkout: Native support for Apple Pay and Google Pay to boost mobile conversions.
- Zero PCI Friction: Uses NMI Collect.js tokenization—card data never touches your web server.
- Modern Checkout Ready: Built natively for WooCommerce Checkout Blocks and traditional legacy checkouts.
- Bot & Card-Testing Defense: Built-in protection via Google reCAPTCHA v3 or Cloudflare Turnstile to block automated attacks.
- Built-in Surcharging: Offset transaction costs by adding flat or percentage-based credit card surcharges directly at checkout.
Free Features
- Express Digital Wallets: Native support for Apple Pay and Google Pay.
- PCI-DSS Compliant Tokenization: Secure Collect.js integration ensures zero sensitive card storage on your server.
- Bot Defense: Block card-spinning scripts using Google reCAPTCHA v3 or Cloudflare Turnstile.
- Credit Card Surcharges: Automatically pass processing fees to buyers via flexible flat or percentage rules.
- Full Order Dashboard Control: Process Authorize, Capture, Partial/Full Refunds, and Voids directly from the WooCommerce order screen.
- Card Brand Restrictions: Restrict or allow specific card brands (Visa, Mastercard, Amex, Discover) based on your merchant agreement.
- Fraud & Ledger Sync: Log AVS/CVV response codes to order notes and auto-sync WooCommerce shipping data to NMI.
- Dynamic Descriptors: Set custom statement descriptors passed directly to customer credit card statements.
Supercharge Your Store with Premium Features
Upgrade to the Gain Commerce NMI Premium Add-on to unlock recurring revenue and enterprise vaulting tools:
- WooCommerce Subscriptions: Automated recurring payments and renewal order processing.
- NMI Customer Vault: Stored payment methods allowing returning customers one-click checkouts.
- ACH Electronic Checks: Direct bank transfer processing alongside credit cards.
- 3D Secure 2.0 (3DS2): SCA/PSD2 compliant step-up authentication for liability shift and fraud reduction.
System Requirements
- Active NMI payment gateway account (via Allied Payments or your merchant account provider)
- WooCommerce version 8.0 or higher
- Valid SSL Certificate (HTTPS)
- PHP version 7.4 or higher
- Fully compatible with WooCommerce HPOS (High-Performance Order Storage) and WooCommerce Checkout Blocks
External Services
This plugin relies on external third-party services to process payments and prevent automated fraud:
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NMI Payment Gateway (Network Merchants, LLC): Connects to NMI to securely tokenize card details in the browser via Collect.js before processing transactions. Order and shipping details are sent to NMI for transaction ledger processing.
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Google reCAPTCHA v3 (Optional): Evaluates checkout traffic to block automated card-testing attacks when enabled by the merchant.
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Cloudflare Turnstile (Optional): Provides CAPTCHA protection against automated card spinning when configured by the merchant.
Source Code & Build Instructions
The source code for minified assets is available in the Gain Commerce GitHub Repository.
Build instructions:
1. Clone the repository.
2. Run npm install to install dependencies.
3. Run npm run build to generate production assets.
Screenshots
WooCommerce Checkout Page layout
Gain Commerce/NMI settings page in WooCommerce
WooCommerce Order Notes displaying AVS, CVV, Confirmation, and Error codes from NMI.
Dynamic Descriptor settings in WooCommerce (when enabled in NMI)