> ## Documentation Index
> Fetch the complete documentation index at: https://help.hoopai.com/llms.txt
> Use this file to discover all available pages before exploring further.

# NMI payment integration

> Connect NMI as a payment processor in the HoopAI platform for credit card and ACH processing.

NMI (Network Merchants Inc.) is a payment gateway that processes credit card and ACH payments. It is an alternative to Stripe for businesses that need a different processor — particularly those in industries where Stripe may have restrictions, or those with an existing NMI merchant account.

## Setting up NMI

<Steps>
  <Step title="Obtain your NMI credentials">
    Log in to your NMI gateway account and locate your **Security Key** (or API keys). You will need these to connect NMI to the HoopAI platform.
  </Step>

  <Step title="Navigate to payment integrations">
    Go to **Payments > Payment Integrations** in the HoopAI platform.
  </Step>

  <Step title="Connect NMI">
    Find NMI in the integrations list and click **Connect**. Enter your NMI Security Key and any other required credentials.
  </Step>

  <Step title="Test the connection">
    Run a test transaction to confirm the integration is working. Use test mode if available, or process a small transaction and refund it.
  </Step>
</Steps>

## Supported countries and payment methods

NMI supports merchants in multiple countries. The specific countries and payment methods available depend on your NMI merchant account configuration:

| Payment method             | Support                              |
| -------------------------- | ------------------------------------ |
| **Credit/debit cards**     | Visa, Mastercard, Amex, Discover     |
| **ACH (bank transfers)**   | Supported for US merchants           |
| **Apple Pay / Google Pay** | Depends on NMI account configuration |

## Where NMI payments work

Once connected, NMI is available as a payment processor for:

* Order forms on funnels
* Invoices
* Payment links
* Subscriptions and recurring billing
* Products and the online store

## Testing payments

Before going live, test the integration:

1. Create a test product with a low price (\$1.00).
2. Process a test transaction using a real card.
3. Verify the transaction appears in both HoopAI (**Payments > Transactions**) and your NMI dashboard.
4. Refund the test transaction.

## Fees

NMI gateway fees are determined by your merchant account agreement. They typically include:

* A per-transaction fee (e.g., \$0.25)
* A percentage fee (e.g., 2.5-3.0%)
* Monthly gateway fees

Contact your NMI provider for your specific rate schedule.

## When to use NMI vs Stripe

| Scenario                                       | Recommended                             |
| ---------------------------------------------- | --------------------------------------- |
| Standard e-commerce and SaaS                   | Stripe                                  |
| High-risk industry (nutraceuticals, CBD, etc.) | NMI (with appropriate merchant account) |
| Existing NMI merchant account                  | NMI                                     |
| Advanced subscription management               | Stripe                                  |
| Need Apple Pay and Google Pay                  | Stripe                                  |
| Multiple processor redundancy                  | Use both                                |

<Tip>
  If you process high volumes, having both Stripe and NMI connected provides redundancy. If one processor experiences downtime or holds funds, you can route transactions through the other.
</Tip>

<Note>
  NMI is a payment gateway, not a merchant account provider. You need both an NMI gateway account and a compatible merchant account from a payment processor to accept payments. Contact NMI or your payment processor for setup assistance.
</Note>