Payment Gateway » NMI - Three Step Redirect

{{toc}}

h1. FAQ

h2. General

h3. How to simulate a CVV matched payment

enter *999* in CVV field

h3. How to simulate a declined payment

* enter an amount less than *1.00*

* enter a invalid credit card number

h3. 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*

h3. No order ID returned

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

h3. the card number did not display in the transaction report

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

h3. 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.

h3. How the settlement works?

# The e-commerce transaction is submitted to a gateway such as Metrics Global.

# The gateway (i.e. Metrics Global) will securely route all transactions to a payment processor (Cash Flows).

# The payment processor continues to route the transaction to the credit card issuing bank (purchaser's bank) to request the funds.

# 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).