# NMI

Source: https://support.storeconnect.com/articles/nmi-payment-provider · Last modified 21 August 2026

This topic explains how to configure NMI as a third party payment provider in StoreConnect, for standard checkout use.

## What you need

- An NMI account set up with an embedded payment component
- Minimal code and admin know-how

## Get credentials from NMI

NMI provides credentials that you can use in the **API key** and **API secret** fields in the StoreConnect config. They also provide unique keys for testing the integration in a sandbox.

### NMI sandbox credentials

1. Sign into your NMI account.
2. Go to **My Sandbox Keys**.
3. Copy the following keys:
   - **Private Security Key** for **api (Payment and Query APIs)**
   - **Partner key (for gateway)**.

### NMI production credentials

When you set up the embedded payment component in NMI, you will be provided with credentials for use in production.

## Configure NMI in StoreConnect

1. Open StoreConnect and go to **Settings > Payments > Payment providers**.
2. Select **New**. Complete the fields as follows, then **Save**:

| StoreConnect field | Select or enter |
| :---- | :---- |
| **Name** | NMI or NMI - test (for sandbox) |
| **Provider** | Select **NMI** from the list |
| **API Mode** | sandbox or production |
| **API Key** | Value not required |
| **API Secret** | Private Security Key (Payment and Query APIs). E.g., `mK9vXpL2nQwR7jHsY4cTbF6uAeZ3dGiN`|
| **API Options** | `gateway_key = <Partner Key for Gateway>` |

## Configure a custom gateway endpoint

NMI reseller gateways — for example, Pinnacle Bank — host merchant accounts on their own API endpoints rather than NMI's default infrastructure. To connect to a reseller gateway, add a `gateway_host` option to the **API Options** field on the Payment Provider record.

Add the following line alongside your existing `gateway_key` entry:

```
gateway_host = <your-reseller-gateway-hostname>
```

For example:

```
gateway_host = secure.pinnaclebankpayments.com
```

The `gateway_host` value is the fully-qualified domain name of the reseller's gateway. StoreConnect uses this host for all API calls and for loading the Collect.js tokenization script. When `gateway_host` is not set, StoreConnect falls back to NMI's default endpoints (`sandbox.nmi.com` in sandbox mode, `secure.nmi.com` in production).

:::note
Contact your NMI reseller for the correct gateway hostname. This value is specific to each reseller's infrastructure and cannot be found in the standard NMI documentation.
:::

## Enable 3D Secure 2

NMI card payments support 3D Secure 2 (3DS2) authentication as an opt-in feature. When enabled, the checkout presents an in-page challenge after card tokenization. Successfully completing the challenge shifts liability for eligible transactions to the card issuer. Authentication data is also forwarded on saved-card renewals and subscription billing.

To use this feature, you need the NMI Payer Authentication add-on to be enabled within your NMI account. Once enabled, add the following to the **API Options** field on the Payment Provider record in StoreConnect, alongside your existing `gateway_key` entry:

```
three_d_secure = true
```

No additional contract ID is required.

---

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StoreConnect Support — https://support.storeconnect.com/articles/nmi-payment-provider