[{"data":1,"prerenderedAt":1393},["ShallowReactive",2],{"footer:default":3,"header:help":202,"story:navigation\u002Fsearch:help":243,"story:help\u002Fcategories":281,"story:help\u002Fpayment-methods\u002Fnmi":307,"article:\u002Fhelp\u002Fpayment-methods\u002Fnmi":1115,"story:contact":1156,"help:tree:d73675c3-2e24-45d6-90ee-78eb6c2e9b7f:default":1344,"_apollo:default":1392},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":192,"full_slug":193,"sort_by_date":194,"position":195,"tag_list":196,"is_startpage":59,"parent_id":197,"meta_data":194,"group_id":198,"first_published_at":199,"release_id":194,"lang":200,"path":194,"alternates":201,"default_full_slug":194,"translated_slugs":194},"Default Footer","2024-08-09T18:06:59.024Z","2026-07-30T21:52:27.802Z","2026-07-30T21:52:27.816Z",10082753,"e59e67ac-248a-482f-84a1-53d4f318186a",{"_uid":11,"about":12,"logos":13,"socials":19,"sections":47,"component":174,"cta_title":175,"bottom_links":176,"cta_subtitle":190,"cta_button_link":191,"cta_button_text":124},"830983f5-c4c4-43c8-b150-86a5e3fa6dc8","Foxy’s hosted cart & payment page allow you to sell anything, using your existing website or platform.",[14],{"id":15,"alt":16,"name":16,"focus":16,"title":16,"filename":17,"copyright":16,"fieldtype":18},14760,"","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002Fx\u002F3b030847ec\u002Fb-corp.svg","asset",[20,29,35,41],{"_uid":21,"icon":22,"link":23,"name":27,"component":28},"faf0a618-ea94-42ea-9182-03be18c43216","fa-facebook",{"id":16,"url":24,"linktype":25,"fieldtype":26,"cached_url":24},"https:\u002F\u002Fwww.facebook.com\u002Ffoxycart","url","multilink","Facebook","footer___social",{"_uid":30,"icon":31,"link":32,"name":34,"component":28},"14309c18-7e79-423e-b375-34555bac0811","fa-instagram",{"id":16,"url":33,"linktype":25,"fieldtype":26,"cached_url":33},"https:\u002F\u002Fwww.instagram.com\u002Ffoxy_io","Instagram",{"_uid":36,"icon":37,"link":38,"name":40,"component":28},"8f7fe7cf-0dd3-4596-8334-226ea466716a","fa-linkedin",{"id":16,"url":39,"linktype":25,"fieldtype":26,"cached_url":39},"https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Ffoxycart.com","LinkedIn",{"_uid":42,"icon":43,"link":44,"name":46,"component":28},"90a675b4-dd97-40b5-be09-00a87223d4c5","fa-youtube",{"id":16,"url":45,"linktype":25,"fieldtype":26,"cached_url":45},"https:\u002F\u002Fwww.youtube.com\u002Fuser\u002Ffoxycart","Youtube",[48,80,125,147],{"_uid":49,"name":50,"items":51,"component":79},"82849945-282f-488c-b18d-a8d2252f514a","Company",[52,61,67,73],{"_uid":53,"link":54,"title":58,"new_tab":59,"component":60},"1f699ab1-938b-4d9d-9825-aabcbe6f57fe",{"id":55,"url":16,"linktype":56,"fieldtype":26,"cached_url":57},"63634293-a749-4226-9439-9f38ee6dcda0","story","about-us","About Us",false,"footer___menu_items",{"_uid":62,"link":63,"title":66,"new_tab":59,"component":60},"b26b00f1-a0e7-4be2-8ab3-428b8cc841f8",{"id":64,"url":16,"linktype":56,"fieldtype":26,"cached_url":65},"26cb7c55-faed-4a77-a291-1552d4111b3e","how-foxy-works","How Foxy Works",{"_uid":68,"link":69,"title":72,"new_tab":59,"component":60},"b40c68a0-1ceb-4226-9515-6176534f61fe",{"id":70,"url":16,"linktype":56,"fieldtype":26,"cached_url":71},"dc6657d7-7f4f-4c0d-b781-e971b038ee26","for-good","Foxy For Good",{"_uid":74,"link":75,"title":78,"new_tab":59,"component":60},"3ad0c134-bef9-4fff-b891-e09f16109036",{"id":76,"url":16,"linktype":56,"fieldtype":26,"cached_url":77},"23cae210-baf4-4588-9862-d09f4f52ccd2","brand-assets","Brand Assets","footer___section",{"_uid":81,"name":82,"items":83,"component":79},"a6805fa8-ac60-47f1-b8f0-f27aded0afbe","Product",[84,90,96,102,108,114,120],{"_uid":85,"link":86,"title":89,"new_tab":59,"component":60},"b39c8a4e-2383-486f-b76a-11fbb15d8134",{"id":87,"url":16,"linktype":56,"fieldtype":26,"cached_url":88},"bb04690f-fe98-4ce6-80be-05b950f2364f","features\u002F","Features",{"_uid":91,"link":92,"title":95,"new_tab":59,"component":60},"64f8a41f-c181-433d-bc0a-fc94e71ecbf6",{"id":93,"url":16,"linktype":56,"fieldtype":26,"cached_url":94},"c450c58d-761d-48c0-a9af-0b064611689b","pricing","Pricing",{"_uid":97,"link":98,"title":101,"new_tab":59,"component":60},"6e0b287f-fd8c-4146-9e0e-0ab0b5c9ce3c",{"id":99,"url":16,"linktype":56,"fieldtype":26,"cached_url":100},"fab20ad9-e76a-4947-b709-3a6fdfa88028","blog\u002Fcategories\u002Fproduct-updates","Product Updates",{"_uid":103,"link":104,"title":107,"new_tab":59,"component":60},"47e5a074-a6b5-4f1c-8c2f-89a2ae9f83eb",{"id":105,"url":16,"linktype":56,"fieldtype":26,"cached_url":106},"d2c83612-d611-47f3-a3b4-ca7fe08540b8","changelogs\u002F","Changelogs",{"_uid":109,"link":110,"title":113,"new_tab":59,"component":60},"b5c08774-542f-4ffd-b357-c94d674488b9",{"id":111,"url":16,"linktype":56,"fieldtype":26,"cached_url":112},"08876121-0df3-4ed9-aa11-902b3e41cd02","whats-next","What's Next",{"_uid":115,"link":116,"title":119,"new_tab":59,"component":60},"9c2704ed-6d9f-43e1-9e67-c8d91c083288",{"id":117,"url":16,"linktype":56,"fieldtype":26,"cached_url":118},"056a7857-b18f-4025-8f97-91a38fc19bc8","compare\u002F","Compare",{"_uid":121,"link":122,"title":124,"new_tab":59,"component":60},"5f2db35b-674b-406a-8fa7-d246633af9fe",{"id":16,"url":123,"linktype":25,"fieldtype":26,"cached_url":123},"https:\u002F\u002Fadmin.foxy.io\u002Fsign-up","Try Foxy Free",{"_uid":126,"name":127,"items":128,"component":79},"63fa1f29-4252-4640-9922-fe310e69e54a","Security",[129,135,141],{"_uid":130,"link":131,"title":134,"new_tab":59,"component":60},"1158ddb6-9eb0-466f-8eb6-7ca2ae66c8b8",{"id":132,"url":16,"linktype":56,"fieldtype":26,"cached_url":133},"1f58fb2c-8681-4742-b6e8-09999beae9f6","security-contact","Security Contact",{"_uid":136,"link":137,"title":140,"new_tab":59,"component":60},"9a79c54a-6022-4dfd-854b-766f5e4703ba",{"id":138,"url":16,"linktype":56,"fieldtype":26,"cached_url":139},"55cbfcc3-425a-4261-8037-54e919851d2d","pci","PCI Compliance",{"_uid":142,"link":143,"title":146,"new_tab":59,"component":60},"0b85f5b6-9534-4071-b323-b39d053dd4d7",{"id":144,"url":16,"linktype":56,"fieldtype":26,"cached_url":145},"c3ac0fe3-83e2-4879-afbd-d4c83e1590df","help\u002Farticles\u002Four-official-domains-public-code","Domains & Codebases",{"_uid":148,"name":149,"items":150,"component":79},"998ded67-d107-49f4-8154-ca6be51671ec","Support",[151,157,163,168],{"_uid":152,"link":153,"title":156,"new_tab":59,"component":60},"594ffd35-3049-4004-bb08-0db568ebd819",{"id":154,"url":16,"linktype":56,"fieldtype":26,"cached_url":155},"4a679eb7-662d-4ea4-a976-5a2acbf0b663","help\u002F","Help Center",{"_uid":158,"link":159,"title":161,"new_tab":162,"component":60},"61e0b7c8-aadf-419b-a339-b3ccabc65bf4",{"id":16,"url":160,"linktype":25,"fieldtype":26,"cached_url":160},"https:\u002F\u002Fapi.foxycart.com\u002F","API Documentation",true,{"_uid":164,"link":165,"title":167,"new_tab":162,"component":60},"fd67a89e-1c54-4d31-94b5-64be999062d6",{"id":16,"url":166,"linktype":25,"fieldtype":26,"cached_url":166},"https:\u002F\u002Fstatus.foxy.io\u002F","System Status",{"_uid":169,"link":170,"title":173,"new_tab":59,"component":60},"231a6f71-e996-4ad4-b033-d4d5542f34f0",{"id":171,"url":16,"linktype":56,"fieldtype":26,"cached_url":172},"01e4e370-f9b9-45af-8fa9-f15540699b0d","contact","Contact Us","footer","Get started with our *unlimited free trial*.",[177,184],{"_uid":178,"link":179,"text":182,"component":183},"f0b77210-2632-45a2-8436-e57cad84d01a",{"id":180,"url":16,"linktype":56,"fieldtype":26,"cached_url":181},"60ba16a2-c1f4-485f-b978-8d2eeeafbf5a","terms-of-service","Terms of Service","footer___bottom_links",{"_uid":185,"link":186,"text":189,"component":183},"4bd497b0-993f-4b4d-a5b7-8a49c7c8fec9",{"id":187,"url":16,"linktype":56,"fieldtype":26,"cached_url":188},"332302b9-1d18-4016-b9c8-9b33c72d782b","privacy-policy","Privacy Policy","No credit card required.",{"id":16,"url":123,"linktype":25,"fieldtype":26,"cached_url":123},"default-footer","navigation\u002Fdefault-footer",null,50,[],10082747,"11006268-07f9-41e9-96f3-c51fb723399d","2022-09-21T20:39:02.357Z","default",[],{"name":203,"created_at":204,"published_at":205,"updated_at":206,"id":207,"uuid":208,"content":209,"slug":236,"full_slug":237,"sort_by_date":194,"position":238,"tag_list":239,"is_startpage":59,"parent_id":197,"meta_data":194,"group_id":240,"first_published_at":241,"release_id":194,"lang":200,"path":194,"alternates":242,"default_full_slug":194,"translated_slugs":194},"Help Center Header","2024-08-09T18:06:34.939Z","2026-07-30T21:52:27.962Z","2026-07-30T21:52:27.975Z",10082752,"3e9b88f7-c163-4657-a2f2-62532d600fad",{"_uid":210,"link":211,"badge":156,"items":212,"title":16,"buttons":230,"new_tab":59,"submenu":231,"subitems":232,"alignment":16,"component":233,"badge_link":234,"top_menu_items":235},"e5645a1a-f991-40e8-8d67-e40ebc082b5a",{"id":16,"url":16,"linktype":56,"fieldtype":26,"cached_url":16},[213,221,224,227],{"_uid":214,"link":215,"title":218,"new_tab":59,"submenu":219,"component":220},"5cbe2861-1f49-4166-97da-a4dddd8105e3",{"id":216,"url":16,"linktype":56,"fieldtype":26,"cached_url":217},"4c0a2d99-ec30-4579-8ef1-6bf5564d4839","help\u002Fcategories\u002F","Articles",[],"header___item",{"_uid":222,"link":223,"title":161,"new_tab":162,"component":220},"8d7df70e-f087-4da0-b616-6f0e9a5af35c",{"id":16,"url":160,"linktype":25,"fieldtype":26,"cached_url":160},{"_uid":225,"link":226,"title":167,"new_tab":162,"component":220},"f76e7944-23d5-4652-87e4-cdae79272762",{"id":16,"url":166,"linktype":25,"fieldtype":26,"cached_url":166},{"_uid":228,"link":229,"title":173,"new_tab":59,"component":220},"0de16771-4c84-466c-a1da-d8568113c71f",{"id":171,"url":16,"linktype":56,"fieldtype":26,"cached_url":172},[],[],[],"header",{"id":154,"url":16,"linktype":56,"fieldtype":26,"cached_url":155},[],"help-header","navigation\u002Fhelp-header",20,[],"71b81c2e-5e09-48a1-a397-a3c72fcd344a","2022-09-21T14:50:25.655Z",[],{"name":244,"created_at":245,"published_at":246,"updated_at":247,"id":248,"uuid":249,"content":250,"slug":272,"full_slug":275,"sort_by_date":194,"position":276,"tag_list":277,"is_startpage":59,"parent_id":197,"meta_data":194,"group_id":278,"first_published_at":279,"release_id":194,"lang":200,"path":194,"alternates":280,"default_full_slug":194,"translated_slugs":194},"Search","2024-10-21T22:08:54.973Z","2025-05-26T09:17:25.790Z","2025-05-26T09:17:25.804Z",13592003,"14cbc359-9ac1-4a7a-a8de-ad4ac8ef26d4",{"_uid":251,"name":244,"indices":252,"summary":16,"component":272,"primary_image":273},"5e4a56e8-76f1-4790-b3a7-70f1be97d042",[253,258,262,267],{"key":254,"_uid":255,"icon":16,"name":256,"component":257},"all","c12a3210-7323-4273-8217-5215e52efe84","All","index",{"key":259,"_uid":260,"icon":261,"name":218,"component":257},"help_center_article","5acff080-95e4-44d3-8dcf-1b19720af382","fa-file-alt",{"key":263,"_uid":264,"icon":265,"name":266,"component":257},"help_center_guide","b8fbc206-c083-471e-a1f0-0ebeb90a669d","fa-book","Guides",{"key":268,"_uid":269,"icon":270,"name":271,"component":257},"blog_post","23419e83-2e56-4c4c-8a05-9fd1b3c9a9bd","fa-file-image","Blog Posts","search",{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":274},{},"navigation\u002Fsearch",60,[],"11e1fd31-95cd-4fc9-b736-8b8910663e6c","2024-10-21T23:17:05.904Z",[],{"name":218,"created_at":282,"published_at":283,"updated_at":284,"id":285,"uuid":216,"content":286,"slug":300,"full_slug":217,"sort_by_date":194,"position":301,"tag_list":302,"is_startpage":162,"parent_id":303,"meta_data":194,"group_id":304,"first_published_at":305,"release_id":194,"lang":200,"path":194,"alternates":306,"default_full_slug":194,"translated_slugs":194},"2022-09-19T14:42:29.685Z","2024-07-30T18:17:22.506Z","2024-07-30T18:17:22.525Z",2660,{"_uid":287,"icon":16,"name":218,"guides":288,"pinned":59,"summary":289,"category":16,"component":290,"blog_posts":291,"content_hub":59,"icon_custom":292,"case_studies":293,"faq_sections":294,"help_articles":295,"featured_guides":296,"mailbox_category":16,"featured_articles":297,"featured_blog_posts":298,"featured_case_studies":299},"d6dae89a-907a-4bf7-82de-fe2ba875ee6e",[],"Get your questions answered with our browsable knowledge base.","help_center_category",[],{"id":194,"alt":194,"name":16,"focus":194,"title":194,"filename":16,"copyright":194,"fieldtype":18},[],[],[],[],[],[],[],"categories",530,[],2658,"19ebcdd2-027f-47f5-9a5b-a8992c959578","2022-09-19T16:24:39.219Z",[],{"name":308,"created_at":309,"published_at":310,"updated_at":311,"id":312,"uuid":313,"content":314,"slug":1107,"full_slug":1108,"sort_by_date":194,"position":1109,"tag_list":1110,"is_startpage":59,"parent_id":1111,"meta_data":194,"group_id":1112,"first_published_at":1113,"release_id":194,"lang":200,"path":194,"alternates":1114,"default_full_slug":194,"translated_slugs":194},"NMI (Network Merchants Inc.)","2023-01-14T17:38:21.493Z","2026-08-19T22:45:06.912Z","2026-08-20T18:42:28.718Z",25804,"d73675c3-2e24-45d6-90ee-78eb6c2e9b7f",{"_uid":315,"body":316,"name":308,"page":1066,"about":1067,"video":16,"content":1068,"pricing":16,"summary":1071,"website":1072,"featured":59,"component":1073,"icon_dark":1074,"logo_dark":1078,"categories":1082,"icon_color":1084,"icon_light":1088,"logo_color":1092,"logo_light":1096,"custom_page":1100,"screenshots":1101,"gateway_support":1102,"enable_help_page":162,"integration_link":1103,"supports_refunds":59,"supported_features":1104,"supports_3d_secure":59,"enable_details_page":59,"supported_countries":1105,"supports_verifications":59,"supports_multi_currency":59,"supports_delayed_payments":59,"supports_immediate_payments":59,"supports_auth_only_and_delayed_capture":162},"fb4c5b68-d5d3-4afe-9520-370c3e97d4db",{"type":317,"attrs":318,"content":319},"doc",{"backgroundColor":194},[320,334,339,346,351,378,385,391,402,407,412,417,452,457,462,599,628,633,649,660,665,670,680,737,742,777,782,787,797,802,807,812,817,822,868,884,889,934,939,974,979,984,989,994,999,1035,1040,1045,1056,1061],{"type":321,"attrs":322,"content":323},"paragraph",{"textAlign":194},[324,327,332],{"text":325,"type":326},"NMI (Network Merchants, Inc.) is a US payment gateway. Merchants normally reach it through a merchant service provider or ISO rather than signing up with NMI directly, so your account may be branded as something other than \"NMI\" — if your gateway login is at ","text",{"text":328,"type":326,"marks":329},"secure.nmi.com",[330],{"type":331},"code",{"text":333,"type":326}," or a white-labelled equivalent, you are on NMI.",{"type":321,"attrs":335,"content":336},{"textAlign":194},[337],{"text":338,"type":326},"Supported region: United States.",{"type":340,"attrs":341,"content":343},"heading",{"level":342,"textAlign":194},2,[344],{"text":345,"type":326},"Two NMI options in the payment method list",{"type":321,"attrs":347,"content":348},{"textAlign":194},[349],{"text":350,"type":326},"The Foxy admin offers two NMI entries, and they are not interchangeable:",{"type":352,"content":353},"bullet_list",[354,367],{"type":355,"content":356},"list_item",[357],{"type":321,"attrs":358,"content":359},{"textAlign":194},[360,365],{"text":361,"type":326,"marks":362},"NMI (Native integration)",[363],{"type":364},"bold",{"text":366,"type":326}," — Use it when: Always, for any new setup. This talks to NMI's own API.",{"type":355,"content":368},[369],{"type":321,"attrs":370,"content":371},{"textAlign":194},[372,376],{"text":373,"type":326,"marks":374},"NMI (Authorize.net emulation, deprecated)",[375],{"type":364},{"text":377,"type":326}," — Use it when: Only if you are an existing merchant already connected this way.",{"type":321,"attrs":379,"content":380},{"textAlign":194},[381],{"text":382,"type":326,"marks":383},"If you are setting up NMI for the first time, choose NMI (Native integration) and skip the emulation section entirely.",[384],{"type":364},{"type":340,"attrs":386,"content":388},{"level":387,"textAlign":194},3,[389],{"text":390,"type":326},"Why an Authorize.net option exists at all",{"type":321,"attrs":392,"content":393},{"textAlign":194},[394,396,400],{"text":395,"type":326},"NMI has long published a \"Gateway Emulator\" that accepts transactions in Authorize.net's older AIM and SIM formats. Its purpose was migration: a merchant already integrated with Authorize.net could point the same integration at NMI's emulator URL and switch gateways without rewriting anything. Foxy's ",{"text":397,"type":326,"marks":398},"NMI (Authorize.net emulation)",[399],{"type":331},{"text":401,"type":326}," option is that path — Foxy sending Authorize.net-format requests to NMI.",{"type":321,"attrs":403,"content":404},{"textAlign":194},[405],{"text":406,"type":326},"It is a compatibility shim, not NMI's real API, and it inherits the emulator's limits. NMI states that the emulator does not support Authorize.net's XML AIM, CIM, ARB, DPM, Card Present or Transaction Details APIs. Foxy's native integration has no such ceiling, which is why the emulation entry is labelled deprecated.",{"type":340,"attrs":408,"content":409},{"level":387,"textAlign":194},[410],{"text":411,"type":326},"What \"deprecated\" means here in practice",{"type":321,"attrs":413,"content":414},{"textAlign":194},[415],{"text":416,"type":326},"The word sits inside the option's own display name, but the emulation entry is still a live, supported gateway type in Foxy — it is not switched off, it is not hidden, and transactions on it still process. \"Deprecated\" is a recommendation, not an expiry date:",{"type":352,"content":418},[419,430,441],{"type":355,"content":420},[421],{"type":321,"attrs":422,"content":423},{"textAlign":194},[424,428],{"text":425,"type":326,"marks":426},"Existing merchants on it:",[427],{"type":364},{"text":429,"type":326}," nothing breaks today. Your payment method keeps working and you do not have to act on any deadline that Foxy has announced.",{"type":355,"content":431},[432],{"type":321,"attrs":433,"content":434},{"textAlign":194},[435,439],{"text":436,"type":326,"marks":437},"New merchants:",[438],{"type":364},{"text":440,"type":326}," do not choose it. There is no functional reason to, and it gives you strictly less than the native integration.",{"type":355,"content":442},[443],{"type":321,"attrs":444,"content":445},{"textAlign":194},[446,450],{"text":447,"type":326,"marks":448},"Everyone:",[449],{"type":364},{"text":451,"type":326}," treat it as a path that will not receive new capability. Anything NMI adds, Foxy will add to the native integration.",{"type":340,"attrs":453,"content":454},{"level":342,"textAlign":194},[455],{"text":456,"type":326},"Setting up NMI",{"type":321,"attrs":458,"content":459},{"textAlign":194},[460],{"text":461,"type":326},"NMI recommends creating a separate user in your NMI account for processing Foxy transactions, so the traffic is attributable and you can revoke it independently. These portal instructions were current as of December 2023 — tell us if your portal looks different.",{"type":463,"attrs":464,"content":466},"ordered_list",{"order":465},1,[467,483,502,521,533,550,562,580,592],{"type":355,"content":468},[469],{"type":321,"attrs":470,"content":471},{"textAlign":194},[472,474,481],{"text":473,"type":326},"Log in to your NMI Merchant Portal at ",{"text":475,"type":326,"marks":476},"https:\u002F\u002Fsecure.nmi.com\u002Fmerchants\u002Flogin.php",[477],{"type":478,"attrs":479},"link",{"href":475,"uuid":194,"anchor":194,"target":480,"linktype":25},"_blank",{"text":482,"type":326},".",{"type":355,"content":484},[485],{"type":321,"attrs":486,"content":487},{"textAlign":194},[488,490,494,496,500],{"text":489,"type":326},"In the left menu, go to ",{"text":491,"type":326,"marks":492},"Options > Settings > User Accounts",[493],{"type":364},{"text":495,"type":326}," and select ",{"text":497,"type":326,"marks":498},"Add a New User",[499],{"type":364},{"text":501,"type":326},". Note the username and the password you set.",{"type":355,"content":503},[504],{"type":321,"attrs":505,"content":506},{"textAlign":194},[507,509,514,516,520],{"text":508,"type":326},"In the Foxy administration at ",{"text":510,"type":326,"marks":511},"https:\u002F\u002Fadmin.foxy.io",[512],{"type":478,"attrs":513},{"href":510,"uuid":194,"anchor":194,"target":480,"linktype":25},{"text":515,"type":326},", go to ",{"text":517,"type":326,"marks":518},"Settings > Payments",[519],{"type":364},{"text":482,"type":326},{"type":355,"content":522},[523],{"type":321,"attrs":524,"content":525},{"textAlign":194},[526,528,532],{"text":527,"type":326},"Select the payment method set you want to use. If you only have one, it will be the ",{"text":529,"type":326,"marks":530},"Default Payment Method Set",[531],{"type":364},{"text":482,"type":326},{"type":355,"content":534},[535],{"type":321,"attrs":536,"content":537},{"textAlign":194},[538,540,544,546,549],{"text":539,"type":326},"Click ",{"text":541,"type":326,"marks":542},"Add payment method +",[543],{"type":364},{"text":545,"type":326}," and choose ",{"text":361,"type":326,"marks":547},[548],{"type":364},{"text":482,"type":326},{"type":355,"content":551},[552],{"type":321,"attrs":553,"content":554},{"textAlign":194},[555,557,561],{"text":556,"type":326},"Put the NMI user's username into ",{"text":558,"type":326,"marks":559},"Account Username",[560],{"type":364},{"text":482,"type":326},{"type":355,"content":563},[564],{"type":321,"attrs":565,"content":566},{"textAlign":194},[567,569,573,575,579],{"text":568,"type":326},"Put that user's ",{"text":570,"type":326,"marks":571},"password",[572],{"type":364},{"text":574,"type":326}," into ",{"text":576,"type":326,"marks":577},"Transaction Key",[578],{"type":364},{"text":482,"type":326},{"type":355,"content":581},[582],{"type":321,"attrs":583,"content":584},{"textAlign":194},[585,586,590],{"text":539,"type":326},{"text":587,"type":326,"marks":588},"Create",[589],{"type":364},{"text":591,"type":326}," to save the payment method.",{"type":355,"content":593},[594],{"type":321,"attrs":595,"content":596},{"textAlign":194},[597],{"text":598,"type":326},"Test — including a live card before you assume things are working.",{"type":321,"attrs":600,"content":601},{"textAlign":194},[602,604,608,610,614,616,619,621,626],{"text":603,"type":326},"The panel is split into a ",{"text":605,"type":326,"marks":606},"Live setup",[607],{"type":364},{"text":609,"type":326}," block and a ",{"text":611,"type":326,"marks":612},"Test setup",[613],{"type":364},{"text":615,"type":326}," block carrying the same two fields. The credentials above go under ",{"text":605,"type":326,"marks":617},[618],{"type":364},{"text":620,"type":326},". (The Live heading reads \"Live setup (inactive)\" while the payment method set has ",{"text":622,"type":326,"marks":623},"Use live credentials",[624],{"type":625},"italic",{"text":627,"type":326}," switched off — that reflects the state of the set, not a different set of fields.)",{"type":340,"attrs":629,"content":630},{"level":387,"textAlign":194},[631],{"text":632,"type":326},"The Transaction Key field takes your password",{"type":321,"attrs":634,"content":635},{"textAlign":194},[636,638,642,644,647],{"text":637,"type":326},"This trips people up, so it is worth stating plainly: ",{"text":639,"type":326,"marks":640},"on this native integration, Foxy's NMI integration does not use an NMI API key.",[641],{"type":364},{"text":643,"type":326}," The field is called ",{"text":576,"type":326,"marks":645},[646],{"type":364},{"text":648,"type":326}," because that is Authorize.net's name for the second credential, and the label was carried over from Foxy's older Authorize.net-emulation NMI type without being renamed for the native API. The value Foxy wants in it here is the NMI user's password.",{"type":321,"attrs":650,"content":651},{"textAlign":194},[652,654,658],{"text":653,"type":326},"Do not paste the API key or key ID from ",{"text":655,"type":326,"marks":656},"Settings",[657],{"type":364},{"text":659,"type":326}," in the NMI portal. Doing so is the most common cause of the response code 122 error described below.",{"type":321,"attrs":661,"content":662},{"textAlign":194},[663],{"text":664,"type":326},"Note this mislabel is specific to the native integration. On the emulation path (below), \"Transaction Key\" is the genuinely correct name for that field, because the emulation path really does speak Authorize.net's wire protocol. Both NMI entries in the picker show the identical field label, which is exactly why it's confusing — the same words are accurate on one and wrong on the other.",{"type":340,"attrs":666,"content":667},{"level":342,"textAlign":194},[668],{"text":669,"type":326},"Migrating from the emulation path to the native integration",{"type":321,"attrs":671,"content":672},{"textAlign":194},[673,675,678],{"text":674,"type":326},"If you are currently on ",{"text":373,"type":326,"marks":676},[677],{"type":364},{"text":679,"type":326},", moving is straightforward, because both entries authenticate against the same thing: your NMI gateway username and password. On the emulation path NMI maps Authorize.net's API Login ID to your gateway username and its Transaction Key to your gateway password — which is exactly what Foxy's two fields already hold. There are no new credentials to obtain.",{"type":463,"attrs":681,"content":682},{"order":465},[683,695,706,723,730],{"type":355,"content":684},[685],{"type":321,"attrs":686,"content":687},{"textAlign":194},[688,690,693],{"text":689,"type":326},"In ",{"text":517,"type":326,"marks":691},[692],{"type":364},{"text":694,"type":326},", open the payment method set carrying your current NMI configuration.",{"type":355,"content":696},[697],{"type":321,"attrs":698,"content":699},{"textAlign":194},[700,702,705],{"text":701,"type":326},"Add a new payment method, choosing ",{"text":361,"type":326,"marks":703},[704],{"type":364},{"text":482,"type":326},{"type":355,"content":707},[708],{"type":321,"attrs":709,"content":710},{"textAlign":194},[711,713,716,718,721],{"text":712,"type":326},"Enter the same ",{"text":558,"type":326,"marks":714},[715],{"type":364},{"text":717,"type":326}," and ",{"text":576,"type":326,"marks":719},[720],{"type":364},{"text":722,"type":326}," values you are using now.",{"type":355,"content":724},[725],{"type":321,"attrs":726,"content":727},{"textAlign":194},[728],{"text":729,"type":326},"Run a test transaction, then a small live one.",{"type":355,"content":731},[732],{"type":321,"attrs":733,"content":734},{"textAlign":194},[735],{"text":736,"type":326},"Once it processes cleanly, remove the old emulation payment method.",{"type":321,"attrs":738,"content":739},{"textAlign":194},[740],{"text":741,"type":326},"What you gain by moving:",{"type":352,"content":743},[744,755,766],{"type":355,"content":745},[746],{"type":321,"attrs":747,"content":748},{"textAlign":194},[749,753],{"text":750,"type":326,"marks":751},"Multi-currency processing.",[752],{"type":364},{"text":754,"type":326}," Supported on the native integration; not supported on the emulation path.",{"type":355,"content":756},[757],{"type":321,"attrs":758,"content":759},{"textAlign":194},[760,764],{"text":761,"type":326,"marks":762},"Card verification.",[763],{"type":364},{"text":765,"type":326}," The native integration performs card verification automatically; the emulation path does not support it.",{"type":355,"content":767},[768],{"type":321,"attrs":769,"content":770},{"textAlign":194},[771,775],{"text":772,"type":326,"marks":773},"Ongoing support.",[774],{"type":364},{"text":776,"type":326}," New NMI capability will land on the native integration only.",{"type":321,"attrs":778,"content":779},{"textAlign":194},[780],{"text":781,"type":326},"If you have live subscriptions running through the emulation path, raise a ticket with Foxy before you switch, so someone can sanity-check your specific configuration ahead of the next rebill. Nothing about the credential model suggests a problem, but a subscription book is not the place to find out.",{"type":340,"attrs":783,"content":784},{"level":342,"textAlign":194},[785],{"text":786,"type":326},"Testing",{"type":321,"attrs":788,"content":789},{"textAlign":194},[790,792,795],{"text":791,"type":326},"Foxy provides shared test credentials for both NMI entries, so you can run test transactions without setting up your own account. Leave the ",{"text":611,"type":326,"marks":793},[794],{"type":364},{"text":796,"type":326}," fields as they are.",{"type":321,"attrs":798,"content":799},{"textAlign":194},[800],{"text":801,"type":326},"Those shared credentials exercise the integration only. Your production NMI account may have settings — ticket limits, duplicate checks, enabled card types, AVS and CVV rules — that the shared test account does not, so a clean test run is not a guarantee about your live account.",{"type":340,"attrs":803,"content":804},{"level":387,"textAlign":194},[805],{"text":806,"type":326},"Obtaining a test account",{"type":321,"attrs":808,"content":809},{"textAlign":194},[810],{"text":811,"type":326},"If you need to test against your own account settings, contact your merchant service provider for a test account. NMI support will generally not issue one directly; it comes from whoever sold you the gateway.",{"type":340,"attrs":813,"content":814},{"level":387,"textAlign":194},[815],{"text":816,"type":326},"Test card numbers",{"type":321,"attrs":818,"content":819},{"textAlign":194},[820],{"text":821,"type":326},"These work in test mode only.",{"type":352,"content":823},[824,835,846,857],{"type":355,"content":825},[826],{"type":321,"attrs":827,"content":828},{"textAlign":194},[829,833],{"text":830,"type":326,"marks":831},"Visa",[832],{"type":364},{"text":834,"type":326}," — Number: 4111111111111111",{"type":355,"content":836},[837],{"type":321,"attrs":838,"content":839},{"textAlign":194},[840,844],{"text":841,"type":326,"marks":842},"Mastercard",[843],{"type":364},{"text":845,"type":326}," — Number: 5431111111111111",{"type":355,"content":847},[848],{"type":321,"attrs":849,"content":850},{"textAlign":194},[851,855],{"text":852,"type":326,"marks":853},"Discover",[854],{"type":364},{"text":856,"type":326}," — Number: 6011601160116611",{"type":355,"content":858},[859],{"type":321,"attrs":860,"content":861},{"textAlign":194},[862,866],{"text":863,"type":326,"marks":864},"American Express",[865],{"type":364},{"text":867,"type":326}," — Number: 341111111111111",{"type":321,"attrs":869,"content":870},{"textAlign":194},[871,873,877,879,883],{"text":872,"type":326},"Use expiration ",{"text":874,"type":326,"marks":875},"10\u002F25",[876],{"type":364},{"text":878,"type":326}," and CVV ",{"text":880,"type":326,"marks":881},"999",[882],{"type":364},{"text":482,"type":326},{"type":340,"attrs":885,"content":886},{"level":342,"textAlign":194},[887],{"text":888,"type":326},"Advanced features",{"type":352,"content":890},[891,902,913,923],{"type":355,"content":892},[893],{"type":321,"attrs":894,"content":895},{"textAlign":194},[896,900],{"text":897,"type":326,"marks":898},"Authorize only.",[899],{"type":364},{"text":901,"type":326}," Both NMI entries support authorization-only transactions, so you can authorize at checkout and capture later.",{"type":355,"content":903},[904],{"type":321,"attrs":905,"content":906},{"textAlign":194},[907,911],{"text":908,"type":326,"marks":909},"Multiple currencies.",[910],{"type":364},{"text":912,"type":326}," Supported on the native integration, subject to the currencies enabled on your NMI account. Not supported on the emulation path.",{"type":355,"content":914},[915],{"type":321,"attrs":916,"content":917},{"textAlign":194},[918,921],{"text":761,"type":326,"marks":919},[920],{"type":364},{"text":922,"type":326}," The native integration runs card verification automatically, using a 1.00 verification amount for Visa, Mastercard, American Express and Discover.",{"type":355,"content":924},[925],{"type":321,"attrs":926,"content":927},{"textAlign":194},[928,932],{"text":929,"type":326,"marks":930},"3D Secure.",[931],{"type":364},{"text":933,"type":326}," Neither NMI entry supports 3D Secure through Foxy.",{"type":340,"attrs":935,"content":936},{"level":342,"textAlign":194},[937],{"text":938,"type":326},"Important notes and caveats",{"type":352,"content":940},[941,952,963],{"type":355,"content":942},[943],{"type":321,"attrs":944,"content":945},{"textAlign":194},[946,950],{"text":947,"type":326,"marks":948},"Use a dedicated NMI user.",[949],{"type":364},{"text":951,"type":326}," Per NMI's own recommendation, create a separate user account for Foxy rather than reusing your login.",{"type":355,"content":953},[954],{"type":321,"attrs":955,"content":956},{"textAlign":194},[957,961],{"text":958,"type":326,"marks":959},"Username and password, never the API key.",[960],{"type":364},{"text":962,"type":326}," See above.",{"type":355,"content":964},[965],{"type":321,"attrs":966,"content":967},{"textAlign":194},[968,972],{"text":969,"type":326,"marks":970},"Test with a live card before going live.",[971],{"type":364},{"text":973,"type":326}," Gateway-side account restrictions frequently only surface on real transactions.",{"type":340,"attrs":975,"content":976},{"level":342,"textAlign":194},[977],{"text":978,"type":326},"Troubleshooting",{"type":340,"attrs":980,"content":981},{"level":387,"textAlign":194},[982],{"text":983,"type":326},"\"Overriding Duplicate Threshold is not allowed\"",{"type":321,"attrs":985,"content":986},{"textAlign":194},[987],{"text":988,"type":326},"Your merchant account provider has that restriction switched on for your account. Contact them to have it removed — it cannot be resolved from the Foxy side.",{"type":340,"attrs":990,"content":991},{"level":387,"textAlign":194},[992],{"text":993,"type":326},"Response Reason Code: 122",{"type":321,"attrs":995,"content":996},{"textAlign":194},[997],{"text":998,"type":326},"Three things cause this, in the order worth checking:",{"type":463,"attrs":1000,"content":1001},{"order":465},[1002,1013,1024],{"type":355,"content":1003},[1004],{"type":321,"attrs":1005,"content":1006},{"textAlign":194},[1007,1011],{"text":1008,"type":326,"marks":1009},"The credentials are wrong.",[1010],{"type":364},{"text":1012,"type":326}," Confirm you entered your NMI username and password, not an API key or key ID. This is the most common cause.",{"type":355,"content":1014},[1015],{"type":321,"attrs":1016,"content":1017},{"textAlign":194},[1018,1022],{"text":1019,"type":326,"marks":1020},"The transaction exceeds your maximum ticket amount.",[1021],{"type":364},{"text":1023,"type":326}," Your NMI account has a per-transaction ceiling. Only your merchant service provider's customer service team can approve raising it.",{"type":355,"content":1025},[1026],{"type":321,"attrs":1027,"content":1028},{"textAlign":194},[1029,1033],{"text":1030,"type":326,"marks":1031},"The gateway's duplicate transaction check is fighting you.",[1032],{"type":364},{"text":1034,"type":326}," NMI applies a duplicate-transaction window, 120 seconds by default. One merchant resolved this by asking their account rep to set the window to 3 seconds and enable the merchant override option. Discuss it with your own account rep rather than treating those numbers as a prescription — this is reported user experience, not an NMI-documented fix.",{"type":340,"attrs":1036,"content":1037},{"level":387,"textAlign":194},[1038],{"text":1039,"type":326},"\"The processor response format is invalid\"",{"type":321,"attrs":1041,"content":1042},{"textAlign":194},[1043],{"text":1044,"type":326},"This comes from the processor behind NMI, not from Foxy. NMI support can tell you the reason, but the solution usually has to come from the processor directly.",{"type":321,"attrs":1046,"content":1047},{"textAlign":194},[1048,1050,1054],{"text":1049,"type":326},"One known case: the processor returns ",{"text":1051,"type":326,"marks":1052},"INV CVV2 MATCH",[1053],{"type":331},{"text":1055,"type":326},", which NMI surfaces as a decline. That generally means the cardholder entered an incorrect card security code and the processor or issuing bank rejected the transaction.",{"type":340,"attrs":1057,"content":1058},{"level":387,"textAlign":194},[1059],{"text":1060,"type":326},"Anything else",{"type":321,"attrs":1062,"content":1063},{"textAlign":194},[1064],{"text":1065,"type":326},"If a transaction is declined with a response code not covered here, contact NMI or your merchant service provider. They can see transaction detail that Foxy cannot.",[],"NMI is a leading global embedded payments enablement platform that's powered seamless payments experiences for over 20 years.",{"type":317,"content":1069},[1070],{"type":321},"Connect Foxy to NMI for secure payments.","https:\u002F\u002Fwww.nmi.com\u002F","payment_method",{"id":1075,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1076,"copyright":16,"fieldtype":18,"meta_data":1077,"is_external_url":59},217516,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F304x270\u002F2f182cff0c\u002Fnmi-icon-dark.png",{},{"id":1079,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1080,"copyright":16,"fieldtype":18,"meta_data":1081,"is_external_url":59},217518,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F838x270\u002Fcbd1aa965c\u002Fnmi-logo-dark.png",{},[1083],"efb0ca20-6094-4042-a27b-1f3187cc2176",{"id":1085,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1086,"copyright":16,"fieldtype":18,"meta_data":1087,"is_external_url":59},217517,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F304x270\u002Fdccd48b39d\u002Fnmi-icon-color.png",{},{"id":1089,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1090,"copyright":16,"fieldtype":18,"meta_data":1091,"is_external_url":59},217521,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F304x270\u002Fb63f64e69b\u002Fnmi-icon-light.png",{},{"id":1093,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1094,"copyright":16,"fieldtype":18,"meta_data":1095,"is_external_url":59},217519,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F838x270\u002Fc6c4488fe1\u002Fnmi-logo-color.png",{},{"id":1097,"alt":16,"name":16,"focus":16,"title":16,"source":16,"filename":1098,"copyright":16,"fieldtype":18,"meta_data":1099,"is_external_url":59},217520,"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1001040\u002F838x270\u002F24f6a25dc5\u002Fnmi-logo-light.png",{},{"id":16,"url":16,"linktype":56,"fieldtype":26,"cached_url":16},[],[],"https:\u002F\u002Ffoxy.io\u002Fhelp\u002Fpayment-methods\u002Fnmi",[],[1106],"US","nmi","payment-methods\u002Fmethods\u002Fnmi",-640,[],3352,"820e7c36-cd42-425a-8ce2-870eb800e73f","2023-08-24T20:52:41.657Z",[],{"html":1116,"sections":1117,"segments":1152},"\u003Cp>NMI (Network Merchants, Inc.) is a US payment gateway. Merchants normally reach it through a merchant service provider or ISO rather than signing up with NMI directly, so your account may be branded as something other than "NMI" — if your gateway login is at \u003Ccode class=\"badge bg-soft-danger text-danger\">secure.nmi.com\u003C\u002Fcode> or a white-labelled equivalent, you are on NMI.\u003C\u002Fp>\u003Cp>Supported region: United States.\u003C\u002Fp>\u003Csection id=\"two-nmi-options-in-the-payment-method-list\" data-title=\"Two NMI options in the payment method list\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"two-nmi-options-in-the-payment-method-list\">Two NMI options in the payment method list\u003C\u002Fh2>\u003Cp>The Foxy admin offers two NMI entries, and they are not interchangeable:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>NMI (Native integration)\u003C\u002Fstrong> — Use it when: Always, for any new setup. This talks to NMI's own API.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>NMI (Authorize.net emulation, deprecated)\u003C\u002Fstrong> — Use it when: Only if you are an existing merchant already connected this way.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>If you are setting up NMI for the first time, choose NMI (Native integration) and skip the emulation section entirely.\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"why-an-authorizenet-option-exists-at-all\" data-title=\"Why an Authorize.net option exists at all\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"why-an-authorizenet-option-exists-at-all\">Why an Authorize.net option exists at all\u003C\u002Fh3>\u003Cp>NMI has long published a "Gateway Emulator" that accepts transactions in Authorize.net's older AIM and SIM formats. Its purpose was migration: a merchant already integrated with Authorize.net could point the same integration at NMI's emulator URL and switch gateways without rewriting anything. Foxy's \u003Ccode class=\"badge bg-soft-danger text-danger\">NMI (Authorize.net emulation)\u003C\u002Fcode> option is that path — Foxy sending Authorize.net-format requests to NMI.\u003C\u002Fp>\u003Cp>It is a compatibility shim, not NMI's real API, and it inherits the emulator's limits. NMI states that the emulator does not support Authorize.net's XML AIM, CIM, ARB, DPM, Card Present or Transaction Details APIs. Foxy's native integration has no such ceiling, which is why the emulation entry is labelled deprecated.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"what-deprecated-means-here-in-practice\" data-title=\"What "deprecated" means here in practice\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"what-deprecated-means-here-in-practice\">What "deprecated" means here in practice\u003C\u002Fh3>\u003Cp>The word sits inside the option's own display name, but the emulation entry is still a live, supported gateway type in Foxy — it is not switched off, it is not hidden, and transactions on it still process. "Deprecated" is a recommendation, not an expiry date:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Existing merchants on it:\u003C\u002Fstrong> nothing breaks today. Your payment method keeps working and you do not have to act on any deadline that Foxy has announced.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>New merchants:\u003C\u002Fstrong> do not choose it. There is no functional reason to, and it gives you strictly less than the native integration.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Everyone:\u003C\u002Fstrong> treat it as a path that will not receive new capability. Anything NMI adds, Foxy will add to the native integration.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fsection>\u003Csection id=\"setting-up-nmi\" data-title=\"Setting up NMI\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"setting-up-nmi\">Setting up NMI\u003C\u002Fh2>\u003Cp>NMI recommends creating a separate user in your NMI account for processing Foxy transactions, so the traffic is attributable and you can revoke it independently. These portal instructions were current as of December 2023 — tell us if your portal looks different.\u003C\u002Fp>\u003Col class=\"step step-icon-sm step-dashed step-border-last-0 mt-3\">\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">1\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Log in to your NMI Merchant Portal at \u003Ca href=\"https:\u002F\u002Fsecure.nmi.com\u002Fmerchants\u002Flogin.php\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"\">https:\u002F\u002Fsecure.nmi.com\u002Fmerchants\u002Flogin.php\u003C\u002Fa>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">2\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>In the left menu, go to \u003Cstrong>Options > Settings > User Accounts\u003C\u002Fstrong> and select \u003Cstrong>Add a New User\u003C\u002Fstrong>. Note the username and the password you set.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">3\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>In the Foxy administration at \u003Ca href=\"https:\u002F\u002Fadmin.foxy.io\" target=\"_blank\" class=\"\">https:\u002F\u002Fadmin.foxy.io\u003C\u002Fa>, go to \u003Cstrong>Settings > Payments\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">4\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Select the payment method set you want to use. If you only have one, it will be the \u003Cstrong>Default Payment Method Set\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">5\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Click \u003Cstrong>Add payment method +\u003C\u002Fstrong> and choose \u003Cstrong>NMI (Native integration)\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">6\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Put the NMI user's username into \u003Cstrong>Account Username\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">7\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Put that user's \u003Cstrong>password\u003C\u002Fstrong> into \u003Cstrong>Transaction Key\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">8\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Click \u003Cstrong>Create\u003C\u002Fstrong> to save the payment method.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">9\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Test — including a live card before you assume things are working.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same two fields. The credentials above go under \u003Cstrong>Live setup\u003C\u002Fstrong>. (The Live heading reads "Live setup (inactive)" while the payment method set has \u003Cem>Use live credentials\u003C\u002Fem> switched off — that reflects the state of the set, not a different set of fields.)\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"the-transaction-key-field-takes-your-password\" data-title=\"The Transaction Key field takes your password\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"the-transaction-key-field-takes-your-password\">The Transaction Key field takes your password\u003C\u002Fh3>\u003Cp>This trips people up, so it is worth stating plainly: \u003Cstrong>on this native integration, Foxy's NMI integration does not use an NMI API key.\u003C\u002Fstrong> The field is called \u003Cstrong>Transaction Key\u003C\u002Fstrong> because that is Authorize.net's name for the second credential, and the label was carried over from Foxy's older Authorize.net-emulation NMI type without being renamed for the native API. The value Foxy wants in it here is the NMI user's password.\u003C\u002Fp>\u003Cp>Do not paste the API key or key ID from \u003Cstrong>Settings\u003C\u002Fstrong> in the NMI portal. Doing so is the most common cause of the response code 122 error described below.\u003C\u002Fp>\u003Cp>Note this mislabel is specific to the native integration. On the emulation path (below), "Transaction Key" is the genuinely correct name for that field, because the emulation path really does speak Authorize.net's wire protocol. Both NMI entries in the picker show the identical field label, which is exactly why it's confusing — the same words are accurate on one and wrong on the other.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"migrating-from-the-emulation-path-to-the-native-integration\" data-title=\"Migrating from the emulation path to the native integration\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"migrating-from-the-emulation-path-to-the-native-integration\">Migrating from the emulation path to the native integration\u003C\u002Fh2>\u003Cp>If you are currently on \u003Cstrong>NMI (Authorize.net emulation, deprecated)\u003C\u002Fstrong>, moving is straightforward, because both entries authenticate against the same thing: your NMI gateway username and password. On the emulation path NMI maps Authorize.net's API Login ID to your gateway username and its Transaction Key to your gateway password — which is exactly what Foxy's two fields already hold. There are no new credentials to obtain.\u003C\u002Fp>\u003Col class=\"step step-icon-sm step-dashed step-border-last-0 mt-3\">\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">1\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>In \u003Cstrong>Settings > Payments\u003C\u002Fstrong>, open the payment method set carrying your current NMI configuration.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">2\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Add a new payment method, choosing \u003Cstrong>NMI (Native integration)\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">3\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Enter the same \u003Cstrong>Account Username\u003C\u002Fstrong> and \u003Cstrong>Transaction Key\u003C\u002Fstrong> values you are using now.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">4\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Run a test transaction, then a small live one.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">5\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>Once it processes cleanly, remove the old emulation payment method.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>What you gain by moving:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Multi-currency processing.\u003C\u002Fstrong> Supported on the native integration; not supported on the emulation path.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Card verification.\u003C\u002Fstrong> The native integration performs card verification automatically; the emulation path does not support it.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Ongoing support.\u003C\u002Fstrong> New NMI capability will land on the native integration only.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>If you have live subscriptions running through the emulation path, raise a ticket with Foxy before you switch, so someone can sanity-check your specific configuration ahead of the next rebill. Nothing about the credential model suggests a problem, but a subscription book is not the place to find out.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"testing\" data-title=\"Testing\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"testing\">Testing\u003C\u002Fh2>\u003Cp>Foxy provides shared test credentials for both NMI entries, so you can run test transactions without setting up your own account. Leave the \u003Cstrong>Test setup\u003C\u002Fstrong> fields as they are.\u003C\u002Fp>\u003Cp>Those shared credentials exercise the integration only. Your production NMI account may have settings — ticket limits, duplicate checks, enabled card types, AVS and CVV rules — that the shared test account does not, so a clean test run is not a guarantee about your live account.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"obtaining-a-test-account\" data-title=\"Obtaining a test account\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"obtaining-a-test-account\">Obtaining a test account\u003C\u002Fh3>\u003Cp>If you need to test against your own account settings, contact your merchant service provider for a test account. NMI support will generally not issue one directly; it comes from whoever sold you the gateway.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"test-card-numbers\" data-title=\"Test card numbers\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"test-card-numbers\">Test card numbers\u003C\u002Fh3>\u003Cp>These work in test mode only.\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Visa\u003C\u002Fstrong> — Number: 4111111111111111\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Mastercard\u003C\u002Fstrong> — Number: 5431111111111111\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Discover\u003C\u002Fstrong> — Number: 6011601160116611\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>American Express\u003C\u002Fstrong> — Number: 341111111111111\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Use expiration \u003Cstrong>10\u002F25\u003C\u002Fstrong> and CVV \u003Cstrong>999\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"advanced-features\" data-title=\"Advanced features\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"advanced-features\">Advanced features\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Authorize only.\u003C\u002Fstrong> Both NMI entries support authorization-only transactions, so you can authorize at checkout and capture later.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Multiple currencies.\u003C\u002Fstrong> Supported on the native integration, subject to the currencies enabled on your NMI account. Not supported on the emulation path.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Card verification.\u003C\u002Fstrong> The native integration runs card verification automatically, using a 1.00 verification amount for Visa, Mastercard, American Express and Discover.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>3D Secure.\u003C\u002Fstrong> Neither NMI entry supports 3D Secure through Foxy.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fsection>\u003Csection id=\"important-notes-and-caveats\" data-title=\"Important notes and caveats\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"important-notes-and-caveats\">Important notes and caveats\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Use a dedicated NMI user.\u003C\u002Fstrong> Per NMI's own recommendation, create a separate user account for Foxy rather than reusing your login.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Username and password, never the API key.\u003C\u002Fstrong> See above.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Test with a live card before going live.\u003C\u002Fstrong> Gateway-side account restrictions frequently only surface on real transactions.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fsection>\u003Csection id=\"troubleshooting\" data-title=\"Troubleshooting\" data-title-node=\"H2\">\u003Chr class=\"my-8\" style=\"margin-left: -48px; margin-right: -40vw\">\u003Ch2 data-anchor-id=\"troubleshooting\">Troubleshooting\u003C\u002Fh2>\u003C\u002Fsection>\u003Csection id=\"overriding-duplicate-threshold-is-not-allowed\" data-title=\""Overriding Duplicate Threshold is not allowed"\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"overriding-duplicate-threshold-is-not-allowed\">"Overriding Duplicate Threshold is not allowed"\u003C\u002Fh3>\u003Cp>Your merchant account provider has that restriction switched on for your account. Contact them to have it removed — it cannot be resolved from the Foxy side.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"response-reason-code-122\" data-title=\"Response Reason Code: 122\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"response-reason-code-122\">Response Reason Code: 122\u003C\u002Fh3>\u003Cp>Three things cause this, in the order worth checking:\u003C\u002Fp>\u003Col class=\"step step-icon-sm step-dashed step-border-last-0 mt-3\">\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">1\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>\u003Cstrong>The credentials are wrong.\u003C\u002Fstrong> Confirm you entered your NMI username and password, not an API key or key ID. This is the most common cause.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">2\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>\u003Cstrong>The transaction exceeds your maximum ticket amount.\u003C\u002Fstrong> Your NMI account has a per-transaction ceiling. Only your merchant service provider's customer service team can approve raising it.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003Cli class=\"step-item\">\u003Cdiv class=\"step-content-wrapper\">\u003Cspan class=\"step-icon step-icon-soft-primary\">3\u003C\u002Fspan>\u003Cdiv class=\"w-100 overflow-hidden\">\u003Cdiv class=\"step-content mt-2\">\u003Cp>\u003Cstrong>The gateway's duplicate transaction check is fighting you.\u003C\u002Fstrong> NMI applies a duplicate-transaction window, 120 seconds by default. One merchant resolved this by asking their account rep to set the window to 3 seconds and enable the merchant override option. Discuss it with your own account rep rather than treating those numbers as a prescription — this is reported user experience, not an NMI-documented fix.\u003C\u002Fp>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fdiv>\u003C\u002Fli>\u003C\u002Fol>\u003C\u002Fsection>\u003Csection id=\"the-processor-response-format-is-invalid\" data-title=\""The processor response format is invalid"\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"the-processor-response-format-is-invalid\">"The processor response format is invalid"\u003C\u002Fh3>\u003Cp>This comes from the processor behind NMI, not from Foxy. NMI support can tell you the reason, but the solution usually has to come from the processor directly.\u003C\u002Fp>\u003Cp>One known case: the processor returns \u003Ccode class=\"badge bg-soft-danger text-danger\">INV CVV2 MATCH\u003C\u002Fcode>, which NMI surfaces as a decline. That generally means the cardholder entered an incorrect card security code and the processor or issuing bank rejected the transaction.\u003C\u002Fp>\u003C\u002Fsection>\u003Csection id=\"anything-else\" data-title=\"Anything else\" data-title-node=\"H3\">\u003Ch3 data-anchor-id=\"anything-else\">Anything else\u003C\u002Fh3>\u003Cp>If a transaction is declined with a response code not covered here, contact NMI or your merchant service provider. They can see transaction detail that Foxy cannot.\u003C\u002Fp>\u003C\u002Fsection>",[1118,1121,1124,1126,1128,1130,1132,1134,1136,1138,1140,1142,1144,1146,1148,1150],{"id":1119,"title":345,"level":1120},"two-nmi-options-in-the-payment-method-list","H2",{"id":1122,"title":390,"level":1123},"why-an-authorizenet-option-exists-at-all","H3",{"id":1125,"title":411,"level":1123},"what-deprecated-means-here-in-practice",{"id":1127,"title":456,"level":1120},"setting-up-nmi",{"id":1129,"title":632,"level":1123},"the-transaction-key-field-takes-your-password",{"id":1131,"title":669,"level":1120},"migrating-from-the-emulation-path-to-the-native-integration",{"id":1133,"title":786,"level":1120},"testing",{"id":1135,"title":806,"level":1123},"obtaining-a-test-account",{"id":1137,"title":816,"level":1123},"test-card-numbers",{"id":1139,"title":888,"level":1120},"advanced-features",{"id":1141,"title":938,"level":1120},"important-notes-and-caveats",{"id":1143,"title":978,"level":1120},"troubleshooting",{"id":1145,"title":983,"level":1123},"overriding-duplicate-threshold-is-not-allowed",{"id":1147,"title":993,"level":1123},"response-reason-code-122",{"id":1149,"title":1039,"level":1123},"the-processor-response-format-is-invalid",{"id":1151,"title":1060,"level":1123},"anything-else",[1153],{"type":1154,"content":1155},"html","\u003Cp>NMI (Network Merchants, Inc.) is a US payment gateway. Merchants normally reach it through a merchant service provider or ISO rather than signing up with NMI directly, so your account may be branded as something other than "NMI" — if your gateway login is at \u003Ccode class=\"badge bg-soft-danger text-danger\">secure.nmi.com\u003C\u002Fcode> or a white-labelled equivalent, you are on NMI.\u003C\u002Fp>\u003Cp>Supported region: United States.\u003C\u002Fp>\u003Ch2>Two NMI options in the payment method list\u003C\u002Fh2>\u003Cp>The Foxy admin offers two NMI entries, and they are not interchangeable:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>NMI (Native integration)\u003C\u002Fstrong> — Use it when: Always, for any new setup. This talks to NMI's own API.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>NMI (Authorize.net emulation, deprecated)\u003C\u002Fstrong> — Use it when: Only if you are an existing merchant already connected this way.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>If you are setting up NMI for the first time, choose NMI (Native integration) and skip the emulation section entirely.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch3>Why an Authorize.net option exists at all\u003C\u002Fh3>\u003Cp>NMI has long published a "Gateway Emulator" that accepts transactions in Authorize.net's older AIM and SIM formats. Its purpose was migration: a merchant already integrated with Authorize.net could point the same integration at NMI's emulator URL and switch gateways without rewriting anything. Foxy's \u003Ccode class=\"badge bg-soft-danger text-danger\">NMI (Authorize.net emulation)\u003C\u002Fcode> option is that path — Foxy sending Authorize.net-format requests to NMI.\u003C\u002Fp>\u003Cp>It is a compatibility shim, not NMI's real API, and it inherits the emulator's limits. NMI states that the emulator does not support Authorize.net's XML AIM, CIM, ARB, DPM, Card Present or Transaction Details APIs. Foxy's native integration has no such ceiling, which is why the emulation entry is labelled deprecated.\u003C\u002Fp>\u003Ch3>What "deprecated" means here in practice\u003C\u002Fh3>\u003Cp>The word sits inside the option's own display name, but the emulation entry is still a live, supported gateway type in Foxy — it is not switched off, it is not hidden, and transactions on it still process. "Deprecated" is a recommendation, not an expiry date:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Existing merchants on it:\u003C\u002Fstrong> nothing breaks today. Your payment method keeps working and you do not have to act on any deadline that Foxy has announced.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>New merchants:\u003C\u002Fstrong> do not choose it. There is no functional reason to, and it gives you strictly less than the native integration.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Everyone:\u003C\u002Fstrong> treat it as a path that will not receive new capability. Anything NMI adds, Foxy will add to the native integration.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Setting up NMI\u003C\u002Fh2>\u003Cp>NMI recommends creating a separate user in your NMI account for processing Foxy transactions, so the traffic is attributable and you can revoke it independently. These portal instructions were current as of December 2023 — tell us if your portal looks different.\u003C\u002Fp>\u003Col order=\"1\">\u003Cli>\u003Cp>Log in to your NMI Merchant Portal at \u003Ca href=\"https:\u002F\u002Fsecure.nmi.com\u002Fmerchants\u002Flogin.php\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"\">https:\u002F\u002Fsecure.nmi.com\u002Fmerchants\u002Flogin.php\u003C\u002Fa>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>In the left menu, go to \u003Cstrong>Options > Settings > User Accounts\u003C\u002Fstrong> and select \u003Cstrong>Add a New User\u003C\u002Fstrong>. Note the username and the password you set.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>In the Foxy administration at \u003Ca href=\"https:\u002F\u002Fadmin.foxy.io\" target=\"_blank\" class=\"\">https:\u002F\u002Fadmin.foxy.io\u003C\u002Fa>, go to \u003Cstrong>Settings > Payments\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Select the payment method set you want to use. If you only have one, it will be the \u003Cstrong>Default Payment Method Set\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Click \u003Cstrong>Add payment method +\u003C\u002Fstrong> and choose \u003Cstrong>NMI (Native integration)\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Put the NMI user's username into \u003Cstrong>Account Username\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Put that user's \u003Cstrong>password\u003C\u002Fstrong> into \u003Cstrong>Transaction Key\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Click \u003Cstrong>Create\u003C\u002Fstrong> to save the payment method.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Test — including a live card before you assume things are working.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>The panel is split into a \u003Cstrong>Live setup\u003C\u002Fstrong> block and a \u003Cstrong>Test setup\u003C\u002Fstrong> block carrying the same two fields. The credentials above go under \u003Cstrong>Live setup\u003C\u002Fstrong>. (The Live heading reads "Live setup (inactive)" while the payment method set has \u003Cem>Use live credentials\u003C\u002Fem> switched off — that reflects the state of the set, not a different set of fields.)\u003C\u002Fp>\u003Ch3>The Transaction Key field takes your password\u003C\u002Fh3>\u003Cp>This trips people up, so it is worth stating plainly: \u003Cstrong>on this native integration, Foxy's NMI integration does not use an NMI API key.\u003C\u002Fstrong> The field is called \u003Cstrong>Transaction Key\u003C\u002Fstrong> because that is Authorize.net's name for the second credential, and the label was carried over from Foxy's older Authorize.net-emulation NMI type without being renamed for the native API. The value Foxy wants in it here is the NMI user's password.\u003C\u002Fp>\u003Cp>Do not paste the API key or key ID from \u003Cstrong>Settings\u003C\u002Fstrong> in the NMI portal. Doing so is the most common cause of the response code 122 error described below.\u003C\u002Fp>\u003Cp>Note this mislabel is specific to the native integration. On the emulation path (below), "Transaction Key" is the genuinely correct name for that field, because the emulation path really does speak Authorize.net's wire protocol. Both NMI entries in the picker show the identical field label, which is exactly why it's confusing — the same words are accurate on one and wrong on the other.\u003C\u002Fp>\u003Ch2>Migrating from the emulation path to the native integration\u003C\u002Fh2>\u003Cp>If you are currently on \u003Cstrong>NMI (Authorize.net emulation, deprecated)\u003C\u002Fstrong>, moving is straightforward, because both entries authenticate against the same thing: your NMI gateway username and password. On the emulation path NMI maps Authorize.net's API Login ID to your gateway username and its Transaction Key to your gateway password — which is exactly what Foxy's two fields already hold. There are no new credentials to obtain.\u003C\u002Fp>\u003Col order=\"1\">\u003Cli>\u003Cp>In \u003Cstrong>Settings > Payments\u003C\u002Fstrong>, open the payment method set carrying your current NMI configuration.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Add a new payment method, choosing \u003Cstrong>NMI (Native integration)\u003C\u002Fstrong>.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Enter the same \u003Cstrong>Account Username\u003C\u002Fstrong> and \u003Cstrong>Transaction Key\u003C\u002Fstrong> values you are using now.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Run a test transaction, then a small live one.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>Once it processes cleanly, remove the old emulation payment method.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>What you gain by moving:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Multi-currency processing.\u003C\u002Fstrong> Supported on the native integration; not supported on the emulation path.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Card verification.\u003C\u002Fstrong> The native integration performs card verification automatically; the emulation path does not support it.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Ongoing support.\u003C\u002Fstrong> New NMI capability will land on the native integration only.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>If you have live subscriptions running through the emulation path, raise a ticket with Foxy before you switch, so someone can sanity-check your specific configuration ahead of the next rebill. Nothing about the credential model suggests a problem, but a subscription book is not the place to find out.\u003C\u002Fp>\u003Ch2>Testing\u003C\u002Fh2>\u003Cp>Foxy provides shared test credentials for both NMI entries, so you can run test transactions without setting up your own account. Leave the \u003Cstrong>Test setup\u003C\u002Fstrong> fields as they are.\u003C\u002Fp>\u003Cp>Those shared credentials exercise the integration only. Your production NMI account may have settings — ticket limits, duplicate checks, enabled card types, AVS and CVV rules — that the shared test account does not, so a clean test run is not a guarantee about your live account.\u003C\u002Fp>\u003Ch3>Obtaining a test account\u003C\u002Fh3>\u003Cp>If you need to test against your own account settings, contact your merchant service provider for a test account. NMI support will generally not issue one directly; it comes from whoever sold you the gateway.\u003C\u002Fp>\u003Ch3>Test card numbers\u003C\u002Fh3>\u003Cp>These work in test mode only.\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Visa\u003C\u002Fstrong> — Number: 4111111111111111\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Mastercard\u003C\u002Fstrong> — Number: 5431111111111111\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Discover\u003C\u002Fstrong> — Number: 6011601160116611\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>American Express\u003C\u002Fstrong> — Number: 341111111111111\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Use expiration \u003Cstrong>10\u002F25\u003C\u002Fstrong> and CVV \u003Cstrong>999\u003C\u002Fstrong>.\u003C\u002Fp>\u003Ch2>Advanced features\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Authorize only.\u003C\u002Fstrong> Both NMI entries support authorization-only transactions, so you can authorize at checkout and capture later.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Multiple currencies.\u003C\u002Fstrong> Supported on the native integration, subject to the currencies enabled on your NMI account. Not supported on the emulation path.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Card verification.\u003C\u002Fstrong> The native integration runs card verification automatically, using a 1.00 verification amount for Visa, Mastercard, American Express and Discover.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>3D Secure.\u003C\u002Fstrong> Neither NMI entry supports 3D Secure through Foxy.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Important notes and caveats\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Use a dedicated NMI user.\u003C\u002Fstrong> Per NMI's own recommendation, create a separate user account for Foxy rather than reusing your login.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Username and password, never the API key.\u003C\u002Fstrong> See above.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>Test with a live card before going live.\u003C\u002Fstrong> Gateway-side account restrictions frequently only surface on real transactions.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>Troubleshooting\u003C\u002Fh2>\u003Ch3>"Overriding Duplicate Threshold is not allowed"\u003C\u002Fh3>\u003Cp>Your merchant account provider has that restriction switched on for your account. Contact them to have it removed — it cannot be resolved from the Foxy side.\u003C\u002Fp>\u003Ch3>Response Reason Code: 122\u003C\u002Fh3>\u003Cp>Three things cause this, in the order worth checking:\u003C\u002Fp>\u003Col order=\"1\">\u003Cli>\u003Cp>\u003Cstrong>The credentials are wrong.\u003C\u002Fstrong> Confirm you entered your NMI username and password, not an API key or key ID. This is the most common cause.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>The transaction exceeds your maximum ticket amount.\u003C\u002Fstrong> Your NMI account has a per-transaction ceiling. Only your merchant service provider's customer service team can approve raising it.\u003C\u002Fp>\u003C\u002Fli>\u003Cli>\u003Cp>\u003Cstrong>The gateway's duplicate transaction check is fighting you.\u003C\u002Fstrong> NMI applies a duplicate-transaction window, 120 seconds by default. One merchant resolved this by asking their account rep to set the window to 3 seconds and enable the merchant override option. Discuss it with your own account rep rather than treating those numbers as a prescription — this is reported user experience, not an NMI-documented fix.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Fol>\u003Ch3>"The processor response format is invalid"\u003C\u002Fh3>\u003Cp>This comes from the processor behind NMI, not from Foxy. NMI support can tell you the reason, but the solution usually has to come from the processor directly.\u003C\u002Fp>\u003Cp>One known case: the processor returns \u003Ccode class=\"badge bg-soft-danger text-danger\">INV CVV2 MATCH\u003C\u002Fcode>, which NMI surfaces as a decline. That generally means the cardholder entered an incorrect card security code and the processor or issuing bank rejected the transaction.\u003C\u002Fp>\u003Ch3>Anything else\u003C\u002Fh3>\u003Cp>If a transaction is declined with a response code not covered here, contact NMI or your merchant service provider. They can see transaction detail that Foxy cannot.\u003C\u002Fp>",{"name":1157,"created_at":1158,"published_at":1159,"updated_at":1160,"id":1161,"uuid":171,"content":1162,"slug":172,"full_slug":172,"sort_by_date":194,"position":1339,"tag_list":1340,"is_startpage":59,"parent_id":194,"meta_data":194,"group_id":1341,"first_published_at":1342,"release_id":194,"lang":200,"path":194,"alternates":1343,"default_full_slug":194,"translated_slugs":194},"Contact","2022-09-23T19:56:58.957Z","2025-05-08T18:24:40.382Z","2025-05-08T18:24:40.392Z",3138,{"seo":1163,"_uid":1166,"title":1167,"action":1168,"fields":1169,"method":1315,"columns":1316,"subtitle":1330,"component":172,"button_text":1336,"submit_title":1337,"submit_subtitle":1338},{"_uid":1164,"title":1157,"plugin":1165,"description":16},"24ff7574-3bcc-48d2-85b5-e529dfea1cc4","meta-fields","8f54f1da-9d8f-49b2-89e7-840e886491cb","We're here to help.","https:\u002F\u002Fusebasin.com\u002Ff\u002F029f48d65402",[1170,1175,1179,1286,1289,1294,1309],{"_uid":1171,"name":1172,"type":326,"label":1173,"options":16,"required":162,"component":1174,"placeholder":16},"9a70b226-2036-4f90-a052-b3efa61c5896","name","Name","form___field",{"_uid":1176,"name":1177,"type":1177,"label":1178,"options":16,"required":162,"component":1174,"placeholder":16},"86ba35be-ff43-4a28-8633-14052a8f6622","email","Email Address",{"_uid":1180,"name":1181,"type":1182,"label":1183,"options":1184,"required":162,"component":1174,"conditions":1185,"placeholder":16},"3f827475-492c-4f97-aa1e-2386ac263b6c","topic","select","Topic","Presales, Support, Billing, Partnerships, Order Enquiry, Other",[1186,1240,1250,1257,1265,1273,1279],{"_uid":1187,"equals":1188,"fields":1189,"component":1239},"e21d97dd-e68e-4fa6-ba97-bc40f3041dde","Order Enquiry",[1190],{"_uid":1191,"body":1192,"type":1237,"title":16,"component":1238},"b64992bc-6d53-48b8-b7a0-d81e5a062e50",{"type":317,"content":1193},[1194],{"type":321,"content":1195},[1196,1198,1205,1207,1209,1210,1214,1216,1220,1228,1230,1235],{"text":1197,"type":326},"We are ",{"text":1199,"type":326,"marks":1200},"Foxy.io",[1201],{"type":478,"attrs":1202},{"href":1203,"uuid":194,"anchor":194,"custom":1204,"target":194,"linktype":25},"http:\u002F\u002FFoxy.io",{},{"text":1206,"type":326},", an ecommerce platform powering ecommerce for other merchants. We do not sell products, and are unable to assist with questions about order statuses or refunds for any merchants using our platform. Please contact the merchant you ordered from for assistance. If you’d like to report a store using Foxy for fraudulent practices, please select ‘other’ in the subject.",{"type":1208},"hard_break",{"type":1208},{"text":1211,"type":326,"marks":1212},"NOTE:",[1213],{"type":364},{"text":1215,"type":326}," We are ",{"text":1217,"type":326,"marks":1218},"not ",[1219],{"type":625},{"text":1221,"type":326,"marks":1222},"Foxy.in",[1223,1227],{"type":478,"attrs":1224},{"href":1225,"uuid":194,"anchor":194,"custom":1226,"target":194,"linktype":25},"http:\u002F\u002FFoxy.in",{},{"type":625},{"text":1229,"type":326},". We are not in any way affiliated with ",{"text":1221,"type":326,"marks":1231},[1232],{"type":478,"attrs":1233},{"href":1225,"uuid":194,"anchor":194,"custom":1234,"target":194,"linktype":25},{},{"text":1236,"type":326},", and cannot help in any way with your order from that website.","danger","global___alert","form___condition",{"_uid":1241,"equals":1242,"fields":1243,"component":1239},"8765c3e1-25cf-44aa-b8ea-fc6094acf9c3","Presales",[1244],{"_uid":1245,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1248,"placeholder":16,"default_value":1249},"cf464f8e-d643-4f6e-af29-d3abffaf7380","department_email_address","hidden",[],"hello@foxy.io",{"_uid":1251,"equals":149,"fields":1252,"component":1239},"4007b6d8-77e5-421d-bd1e-6f336dd853fb",[1253],{"_uid":1254,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1255,"placeholder":16,"default_value":1256},"7b4c6aa5-a68c-45e0-9ce1-0a36af10c0c2",[],"help@foxy.io",{"_uid":1258,"equals":1259,"fields":1260,"component":1239},"1dbb8f11-613d-43cd-9e09-1b94f6e19219","Billing",[1261],{"_uid":1262,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1263,"placeholder":16,"default_value":1264},"a0ac0d1b-bc4f-4a6c-a682-581d450b0b73",[],"help+billing@foxy.io",{"_uid":1266,"equals":1267,"fields":1268,"component":1239},"a0a53a50-7172-4a29-ba58-181e38874e12","Partnerships",[1269],{"_uid":1270,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1271,"placeholder":16,"default_value":1272},"7aa011d9-f374-4aed-b5a5-929b54aaf152",[],"partners@foxy.io",{"_uid":1274,"equals":1188,"fields":1275,"component":1239},"a4cd431f-25d5-41c7-bfdc-02c908c8fb47",[1276],{"_uid":1277,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1278,"placeholder":16,"default_value":1249},"f5d52168-d6ae-451b-94ee-2ced1cbd28ad",[],{"_uid":1280,"equals":1281,"fields":1282,"component":1239},"25aba1ed-eb41-4bbc-aa89-f7a7167ea86e","Other",[1283],{"_uid":1284,"name":1246,"type":1247,"label":16,"options":16,"required":59,"component":1174,"conditions":1285,"placeholder":16,"default_value":1249},"f40dfaef-c203-4b71-bf4e-e1b43cef192b",[],{"_uid":1287,"component":1288},"e9c53a05-f40a-4510-aaf8-bc072a235a0c","form___subject",{"_uid":1290,"name":1291,"type":1292,"label":1293,"options":16,"required":162,"component":1174,"placeholder":16},"a4c4d385-fff4-4978-99fb-b68cfea623d6","message","textarea","Message",{"_uid":1295,"name":1296,"type":1182,"label":1297,"options":1298,"required":162,"component":1174,"conditions":1299,"placeholder":16},"8a3c9f85-f438-427d-9c7a-d7b295a14b5b","existing_user","Are you an existing user?","No, Yes",[1300],{"_uid":1301,"equals":1302,"fields":1303,"component":1239},"115933d6-262a-4b59-8fa8-579c5ad73de1","Yes",[1304],{"_uid":1305,"name":1306,"type":326,"label":1307,"options":16,"required":162,"component":1174,"conditions":1308,"placeholder":16},"44b6ff23-98f0-4e95-b7f5-c23e06415c2d","subdomain","Store Subdomain",[],{"_uid":1310,"name":1311,"type":1182,"label":1312,"options":1313,"required":162,"component":1174,"conditions":1314,"placeholder":16},"922a5cef-3af2-4113-8855-36c7910e3ee3","user_type","What type of user are you?","Developer, Designer, Merchant",[],"POST",[1317],{"_uid":1318,"text":1319,"title":1328,"component":1329},"7323b90d-a93a-4bf1-baa9-20d0b7ead61b",{"type":317,"content":1320},[1321],{"type":321,"content":1322},[1323,1325,1326],{"text":1324,"type":326},"855.369.9227",{"type":1208},{"text":1327,"type":326},"9:30am-6pm Central M-F","Pre-sales, Sales, & Partnerships","contact___footer_column",{"type":317,"content":1331},[1332],{"type":321,"content":1333},[1334],{"text":1335,"type":326},"Get in touch to get help from our friendly support team.","Submit","Success!","Your email has been received. We'll get back to you as soon as we can, but it might take a business day. If you don't hear back from us in a timely manner, please check your spam folder to ensure our reply didn't go there.",-80,[],"2fd9fb7d-a48a-4184-acfd-30022d8d6f08","2022-09-23T20:10:45.360Z",[],[281,1345,1373],{"name":1346,"created_at":1347,"published_at":1348,"updated_at":1349,"id":1350,"uuid":1351,"content":1352,"slug":1366,"full_slug":1367,"sort_by_date":194,"position":1368,"tag_list":1369,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1370,"first_published_at":1371,"release_id":194,"lang":200,"path":194,"alternates":1372,"default_full_slug":194,"translated_slugs":194},"Payments","2025-05-19T15:01:39.297Z","2025-10-15T00:38:24.356Z","2025-10-15T00:38:24.365Z",34027808,"7093e179-f73f-4533-a5ed-230e211e3724",{"_uid":1353,"icon":1354,"name":1346,"type":1355,"pinned":59,"summary":1356,"category":16,"component":290,"blog_posts":1357,"icon_custom":1358,"case_studies":1360,"faq_sections":1361,"featured_guides":1362,"mailbox_category":16,"featured_articles":1363,"featured_blog_posts":1364,"featured_case_studies":1365},"d71d645d-26db-4d04-950c-5be6f945b883","fa-cash-register","simple","Manage payment methods, settings, and other payment related options.",[],{"id":194,"alt":194,"name":16,"focus":194,"title":194,"source":194,"filename":16,"copyright":194,"fieldtype":18,"meta_data":1359},{},[],[],[],[],[],[],"payments","help\u002Fcategories\u002Fpayments",-100,[],"76057f91-3ad5-43ee-8674-7d3562faf5eb","2025-05-23T19:23:05.066Z",[],{"name":1374,"created_at":1375,"published_at":1376,"updated_at":1377,"id":1378,"uuid":1379,"content":1380,"slug":1385,"full_slug":1386,"sort_by_date":194,"position":1387,"tag_list":1388,"is_startpage":59,"parent_id":303,"meta_data":194,"group_id":1389,"first_published_at":1390,"release_id":194,"lang":200,"path":194,"alternates":1391,"default_full_slug":194,"translated_slugs":194},"Payment Methods","2023-02-08T18:30:30.817Z","2025-05-23T19:23:31.827Z","2025-05-23T19:23:31.839Z",33614,"ef18e20b-2ce2-4b8d-a761-2b928d9c62b2",{"_uid":1381,"icon":1382,"name":1374,"summary":1383,"category":1351,"component":1384},"932ca1a1-796c-47e0-acf8-352bf7132553","fa-credit-card","Easily connect to 100+ payment gateways and alternate payment methods.","help_payment_methods","payment-methods","help\u002Fcategories\u002Fpayment-methods",10,[],"24d41da1-50ea-4d24-b21d-eb1d0fa39d09","2023-02-08T18:37:13.850Z",[],{},1787349062204]