Gain Commerce NMI Payment Gateway for WooCommerce

The Gain Commerce NMI Payment Gateway for WooCommerce is a secure, flexible payment processing plugin for your WooCommerce store. Built with full support for WooCommerce Checkout Blocks and High-Performance Order Storage (HPOS), this plugin provides a seamless checkout experience. Achieve top-tier security with full PCI-DSS Compliance through the NMI payment gateway, utilizing Collect.js for safe data tokenization that keeps sensitive card data off your server. Merchants gain essential features like Authorize Now and Capture Later, easy refunds, and voids—all managed directly from your WooCommerce dashboard. Accept major credit cards, Apple Pay, Google Pay, and utilize Dynamic Descriptors along with AVS/CVV response logging to protect your business. Free Plugin Features

• Easy WooCommerce Integration: Seamless customer checkout experience.
• PCI-DSS Compliant: Uses NMI Collect.js for secure browser tokenization.
• Digital Wallets: Accept Apple Pay and Google Pay during checkout.
• Customer Vault: Secure remote storage for customer card data.
• Bot Protection: Block automated card-testing using your own Google reCAPTCHA v3 or Cloudflare Turnstile API keys. Disabled by default.
• Dashboard Management: Authorize, Capture, Refund, and Void transactions inside WooCommerce.
• Brand Restrictions: Accept or restrict specific credit card brands (Visa, Mastercard, Amex, etc.) based on your merchant agreement.
• Card Surcharges: Optionally pass processing costs to customers via a flat fee or percentage at checkout.
• Fraud Prevention: Record AVS/CVV response codes directly in order notes.
• Dynamic Descriptors: Pass custom descriptors to customer credit card statements.
• Order Ledger Data: Automatically send WooCommerce shipping info to the NMI ledger.
• Developer Logging: Built-in debug logging to troubleshoot issues quickly.

Premium Plugin Features

• ACH Payments: Accept electronic check transfers through the ACH network.
• Stored Payment Methods: Allow returning customers to select saved cards/ACH accounts from the Customer Vault.
• 3D Secure 2 (3DS2): Advanced fraud prevention; fully PSD2 / SCA compliant.
• WooCommerce Subscriptions: Full compatibility for automatic recurring payments.

1.16.5

• Add optional Bot Protection setting (Google reCAPTCHA v3 or Cloudflare Turnstile) to help block automated card-testing ("card spinning") attempts at checkout. Disabled by default.
• Add dynamic surcharge label to the Credit Card payment option at checkout — shows "(Includes $X surcharge)" or "(Includes X% surcharge)" based on the configured Processing Fee, updating automatically with the fee setting.
• Rename the "Processing Fee" settings section to "Credit Card Surcharge" with updated description text.

1.16.4

• Change card processing fee setting to a dropdown: No Processing Fee, Percentage Fee, or Flat Rate Fee.
• Add flat rate processing fee option, in addition to the existing percentage-based fee.
• Add live card-type highlighting at checkout: as the customer types their card number, the accepted-card icons narrow down to the matching brand.
• Improve the Restrict Card Types setting to use a proper multi-select picker with clear "click to remove" tags, and clarify that leaving it empty accepts all card types.
• Fix card processing fee not being applied on the WooCommerce Checkout Block (it previously only appeared on the classic checkout).
• Fix new card entry occasionally resetting mid-checkout on the Checkout Block, caused by the Apple Pay / Google Pay amount sync re-initializing the card fields more often than necessary.

1.16.3

• Fix extra blank space shown on checkout below the saved payment method option.
• Fix card type icons to display as real card logos instead of text placeholders.
• Fix Apple Pay / Google Pay showing the original cart total after a coupon, shipping change, or fee updated the order total.
• Add optional card processing fee (percentage-based surcharge) for card payments, configurable in gateway settings.
• Improve Apple Pay / Google Pay reliability so wallet payments are still recognized correctly even if a supporting script fails to load.

1.16.2

• Updated with WordPress Latest Version

1.16.1

• Fix issue on JS checkout both legacy and block.
• Maintenance

1.15.1

• Fix issue in NMI timeout

1.14.8

• Support NMI Digital wallet payment, Google Pay and Apple Pay.

1.13.1

• Add WooCommerce Subscriptions support for automatic recurring payments. Requires WooCommerce Subscriptions plugin and Premium Add-on.
• Maintenance

1.12.0

• Fix checkout issue in loading NMI in legacy and block base.
• Fix UI fields in checkout page both in legacy and block base.
• Maintenance.

1.11.0

• Added support for 3D Secure (3DS) authentication when the Premium Add-on plugin is installed. The free plugin now enables 3DS for enhanced security, but requires the Premium plugin to activate this feature.

1.10.0

• Fix and replace deprecated reduced_stock_qty to wc_reduce_stock_levels
• Add ability for customers to store payment method for future transactions in card vault by choosing “Save Payment Method” during checkout. Available only in Premium Plugin
• Choose "Saved Payment Method" stores card account in secure PCI-Compliant environment. Customer can replace card in checkout process by choosing “Save Payment Method”.
• Test to latest WooCommerce version 10.4.3

1.8.1

• Test to latest WordPress 6.9 version.
• Test to latest WooCommerce 10.4.2
• Add Description for premium plugin in readme file.

1.8.0

• Add Shipping Fields from WooCommerce order to NMI merchants.
• Ability to enable Dynamic Descriptor and pass descriptor data.
• Add AVS/CVV notes in order.
• Add additional order notes as Response code and NMI payment status.

1.7.6

• Integrate restrict card type in block checkout
• Integrate restrict card type in legacy checkout
• Integrate CollectJS into WC checkout blocks
• Integrate WC blocks
• Add CollectJS to legacy checkout
• WooCommerce Legacy checkout work on NMI
• Add Auth Feature and when changed to order processing or complete then capture
• Add Gateway Class
• Add Logger Class
• Add API class for NMI
• Add API Factory
• Add API Credit Card Sale
• Add API Refund
• Add API Void
• Add API Auth, Capture and Auth + Capture

1.0.0

• Initial release