• Table of contents
• FAQ
  • General
    • How to simulate a CVV matched payment
    • How to simulate a declined payment
    • How NMI checks for duplicate transaction
    • No order ID returned
    • the card number did not display in the transaction report
    • Why the transaction is in Pending Settlement state and never change to Settle?
    • How the settlement works?

FAQ¶

General¶

How to simulate a CVV matched payment¶

enter 999 in CVV field

How to simulate a declined payment¶

• enter an amount less than 1.00
• enter a invalid credit card number

How NMI checks for duplicate transaction¶

A transaction is treated as duplicate when:

• submit same settlement amount using the same credit card within 20 minutes

No order ID returned¶

It happens when the result code is 3 or 300, and any other un-listed response code (e.g. 0)

the card number did not display in the transaction report¶

It only happens when the submitted card number is more than 19 digit

Why the transaction is in Pending Settlement state and never change to Settle?¶

All of the approved transactions will “always” say Pending Settlement. It’s a difference between US & EU processing banks. In the US, all transactions are “settled” at the end of the day. In the EU though, transactions aren’t really “settled” via a batch. The gateway was originally designed for US merchants, but has expanded into the EU.

How the settlement works?¶

1. The e-commerce transaction is submitted to a gateway such as Metrics Global.
2. The gateway (i.e. Metrics Global) will securely route all transactions to a payment processor (Cash Flows).
3. The payment processor continues to route the transaction to the credit card issuing bank (purchaser's bank) to request the funds.
4. The issuing bank approves transfer of money to the acquiring bank/payment processor which in turn credits the merchant's bank account (automatically, 7 days arrears).