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NMI 3D Secure Payment Gateway - Magento 2

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Key Benefits

  • 100% Native Magento Gateway Framework: Built strictly on Magento 2’s modern Payment Gateway Framework and Service Contracts, ensuring seamless compatibility with Magento 2.4.x+ and zero breaking changes during future core upgrades.
  • Zero PCI Liability (SAQ-A Compliant): Leverages NMI’s secure tokenization via inline hosted fields; sensitive card data never touches your Magento server, qualifying your store for the simplest PCI compliance level.
  • Chargeback Protection via 3DS v2: Fully integrated 3D Secure 2 dynamic authentication shifts payment liability directly to the card-issuing bank, protecting your business from friendly fraud and unauthorized chargebacks.
  • Headless & PWA Ready: Expands native Magento 2 REST API endpoints out of the box, making it instantly compatible with custom frontends, Mobile Apps, or modern checkout architectures like Hyvä Themes.
  • Frictionless Checkout, Higher Conversions: Renders clean, unified secure fields directly within your native Magento 2 checkout layout, preventing clunky third-party redirections and lowering cart abandonment rates.
  • Full Order Lifecycle Automation: Complete backend management for Authorize, Capture, Sale, and Online Refunds (directly via Magento Credit Memos) without ever needing to log into the NMI Merchant Portal.
$99.00

* Required Fields

Compatible With Magento Edition

Open Source (CE): 2.3, 2.4
Commerce on prem (EE): 2.3, 2.4
Commerce on Cloud (ECE): 2.3, 2.4
Contents

Overview

NMI 3D-Secure Payment Gateway extension for Magento 2 enables merchants to accept credit card payments directly on their website through the NMI Payment Gateway. Importantly, this extension does not store any card details on the shop, ensuring maximum security for both merchants and customers.

NMI Payment Gateway is a versatile payment service that allows merchants to accept payments through a variety of alternative payment methods, helping businesses reach a wider audience. The Magento 2 NMI Payment Gateway extension integrates directly with the NMI Payment API to process credit card payments, enabling customers to complete transactions without leaving the merchant’s site. This ensures a seamless, secure, and efficient payment experience.

Network Merchants, LLC (NMI) provides the necessary tools and services for merchants to accept almost any type of online payment.

Compatibility with Other Payment Gateways

This extension is compatible with the following payment gateways:


Key Features

  • Accept payments directly on your website without redirection using secure inline fields.
  • Built on the modern Magento 2 Payment Gateway Framework with decoupled Service Contracts.
  • Native 3D Secure 2 (3DS v2) dynamic authentication integration.
  • 100% Headless & PWA Ready with fully extended Magento 2 REST API endpoints.
  • Changeable Gateway URL to support multiple white-label gateways based on NMI solution.
  • Support Authorize, Capture Online, and Full/Partial Online Refund via Credit Memos.
  • Support Admin Orders (Magento Backend) and Multiple-store setups.
  • Support Orders with Multiple addresses and dynamic One Step Checkout layouts.
  • Enhanced fraud prevention with dynamic input rendering fixes, double-click locks, CVV, and AVS.
  • Allow all or specific countries with easy configuration for Test/Live modes.

Account & Pricing

To use the NMI 3D Secure Payment Gateway for Magento 2, you will need a merchant account from NMI. Once approved, you’ll receive the credentials required to access the NMI Merchant Portal and manage your payments. For detailed pricing plans, please contact the NMI team directly.

Security & PCI Compliance

When customers pay via NMI Payments using Hosted Fields, all card details are entered directly on NMI’s secure servers. Magento never stores or processes sensitive payment information, ensuring maximum security.

Merchants integrating via NMI Payment API or Hosted Fields can maintain PCI DSS compliance at the SAQ A-EP level, reducing the scope of sensitive data handling on their servers.

Installation

Follow the steps below to install the NMI Payment Gateway extension on your Magento 2 store.

1. Extract the extension files into the following directory:
app/code/PL/Nmi/

2. Open a terminal and navigate to your Magento root directory, then run the following commands:

php bin/magento setup:upgrade
php bin/magento setup:static-content:deploy -f
php bin/magento cache:clean

After completing these steps, the extension will be available in the Magento Admin Panel for configuration.

Test Environment

If you would like to see how the NMI Payment Gateway works with Magento 2, please contact our team to request a demo or access the test environment.

Email: sales@polacin.com

Standard Test Cards (Non-3DS Flow)

Use these cards to simulate normal payment flows:

Visa: 4111 1111 1111 1111
Discover: 6011 6011 6011 6611
Mastercard: 5431 1111 1111 1111
American Express: 3411 1111 1111 111

Expiration Date: Any future date (e.g. 12/30)

Test Rules:

Amount < $1.00 → triggers declined transaction
CVV = 999 → simulates CVV mismatch/validation scenario

3D Secure Challenge Flow Test Cards

Use these cards to trigger 3D Secure authentication challenge:

Visa: 4100 0000 0000 5000
Mastercard: 5100 0000 0000 5007
American Express: 3400 0000 0005 008
Discover: 6440 0000 0000 5004

These cards will force a 3DS challenge step requiring user interaction.

3DS Test Authentication Notes

OTP (One-Time Password) for testing: 12345
Expiry date can be any valid future date
All challenge flows are simulated in sandbox mode

Release Notes

Version 3.1.0 – June 10, 2026

  • Fully migrated to native Magento 2 Payment Gateway Framework and Service Contracts
  • Integrated dynamic 3D Secure 2 (3DS v2) authentication to prevent fraud and shift liability
  • Added native REST API endpoints ready for headless commerce, PWAs, and Mobile Apps
  • Resolved checkout iframe loading race conditions and added double-click transaction locks

Version 2.0.10 – September 4, 2023

  • Fixed 400 – Bad Request error related to credit card expiration date validation

Version 2.0.9 – August 9, 2022

  • Compatible with NoFraud Connect extension

Version 2.0.8 – July 13, 2022

  • Added notification when a new version is available

Version 2.0.7 – March 2, 2021

  • Switched authentication to security_key instead of login credentials

Version 2.0.6 – February 26, 2020

  • Added currency parameter for multiple currency support

Version 2.0.5 – September 16, 2019

  • Fixed checkout layout issues
  • Added customer IPv4 address to payment request data

Version 2.0.4 – June 11, 2019

  • Added support for Durango Payment Gateway, T1 Payments, and BlueDog
  • Allowed custom gateway URL configuration

Version 2.0.3.1 – September 4, 2018

  • Stability improvements

Version 2.0.3 – August 23, 2018

  • Fixed fraud payment issues
  • Enabled support for other NMI-based payment gateways

Version 2.0.2 – May 20, 2017

  • Bug fixes and stability improvements
  • Added Billing Address checkbox on checkout page

Version 2.0.1 – December 27, 2016

  • Initial stable release

FAQs

Can I use this extension with multiple stores?
Absolutely. The extension supports multiple stores and store views, making it suitable for merchants running multiple websites from a single Magento installation.
Can I test the extension before going live?
Yes. You can use the provided test environment and test card numbers to simulate transactions without affecting real accounts.
Can I capture payments and generate invoices automatically?
Yes. The extension supports both online authorization and capture. You can also generate invoices automatically from the Magento backend.
What should I do if a transaction is declined?
If a payment is declined, you can view the detailed error message from the Magento order page. The message will indicate whether it was due to insufficient funds, incorrect card details, or other reasons. You can then contact the customer or retry the transaction securely.
Does the extension log transactions for troubleshooting?
Yes. NMI Payment Gateway logs all transaction requests and responses. These logs help diagnose payment issues, verify API communication, and ensure smooth operation of the payment process.

Customer Reviews

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  1. Amazing Extension
    I am glad to use this extension, that's great feature and enough for my website. The support team is also enthusiastic and helping me a lot for my business. Thanks very much for providing me this great extension and custom work.
    Review by Jonathan Dang (Posted on 7/1/2021)
  2. Fantastic works now
    Thank you Linh for your help to install the NMI Payment plugin. This is fantastic plugin.
    Review by Hurleys Cheverier (Posted on 8/27/2019)
  3. Great extension and awesome support
    Exactly What I looking for, the plugin is very powerful and the support team response is awesome! We would recommend this to everyone.
    Review by Kyle Lee (Posted on 8/17/2019)
  4. Your extension is great
    Your support was exceptional and I have to let the prospective customers know that your extension and your support is great.
    Review by Maroa J (Posted on 8/13/2019)
  5. Absolutely Perfect
    NMI Payment Direct Post extension by Polacin is working absolutely perfect without any bugs. He helped us to install extension and configure it. I highly recommend Polacin's extension for NMI Payments solution
    Review by Alex Peterson (Posted on 4/17/2019)
  6. Works great
    Hi Linh,
    Thank you for all of your help. The extension works great! We’ll leave a 5 star review.
    Have a Nice Day!
    Cacy Harrison
    Review by Cacy Harrison (Posted on 3/22/2019)
  7. Not bad!
    It works and it works good. Thanks for your support and helps!
    Review by Taras Hanych (Posted on 3/5/2019)
  8. Working perfectly
    Before buying this plugin, i hesitated because there is no mention about supporting Magento Enterprise version in its description. After contacting the Polacin support, i have been advised that i can use this plugin for Magento Enterprise version. Just want to confirm that it’s working perfectly for me now. Thank you for your support.
    Review by Jeff Schwartz (Posted on 9/23/2018)
  9. It works
    We installed this extension to integrate our NMI payment gateway with Magento CE 2.2.5 and were accepting credit card payments the same day. Very happy customers here!
    Review by Clarence Taylor (Posted on 8/29/2018)
  10. Great module
    So glad I found this module as it seamlessly integrated my Payline Data account with my Magento website. Thank you!
    Review by Kathy Brennan (Posted on 8/27/2018)
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