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There are three types of merchant accounts that can be boarded. A Standard gateway account, a Mobile only gateway account, and a Test gateway account. Learn more on what these different types of merchant accounts are used for to better assist your merchants.
A Standard gateway account is a full gateway account which allows the merchant to process transactions using all available methods as well as taking advantage of our Products and Value-Added Services. All available methods meaning everything that NMI offers, this includes processing via the API, Virtual Terminal, Mobile Apps, Quickbooks, check processing, cash processing, ability to board Multi MID merchants, and more. It offers a lot of flexibility for your merchants.
Learn more on how to onboard Standard gateway accounts.
A Mobile gateway account allows the merchant to process transactions through mobile devices only and receives minimal gateway access for reporting. These accounts can be upgraded to a complete gateway account at a later time within your partner portal. These accounts are for merchants who are just going to be processing using our Mobile App, iProcess.
Mobile gateway accounts allow you to have a lower cost option for those merchants who will only be processing through the App. It only allows credit card processing and you can only board one credit card MID. When the merchant logs in to their merchant control panel, they will have fewer options, mostly reporting.
Learn more on how to onboard Mobile gateway accounts.
A Test gateway account is completely free and you can have as many as you like. They are sandbox environments where you can process test transactions and test all Payment Gateway functions normally. However, no transactions are ever sent to a payment processor. They are set up with a couple of Credit Card, Electronic Check, and Cash Processors, and a few Test Value-added Services.
Test gateway accounts are very good for demoing the gateway to perspective clients. You can provide them to developers to have a sandbox to play with while they are building their integration. There are no transaction fees and no monthly fees for having these open.
Learn more on how to onboard Test gateway accounts.