Gain Commerce NMI Payment Gateway for WooCommerce

Accept credit cards, Apple Pay, and Google Pay seamlessly using the Gain Commerce NMI Payment Gateway for WooCommerce.

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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js before processing transactions. Order and shipping details are sent to NMI for transaction ledger processing.

• NMI Terms of Service

• NMI Privacy Policy

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Google reCAPTCHA v3 (Optional): Evaluates checkout traffic to block automated card-testing attacks when enabled by the merchant.

• Google Terms of Service

• Google Privacy Policy

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Cloudflare Turnstile (Optional): Provides CAPTCHA protection against automated card spinning when configured by the merchant.

• Cloudflare Privacy Policy

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.