Who This Is For / When to Use
This article is for account owners who:
Want to process credit or debit card payments using NMI.
Use invoices, Text2Pay links, or Funnels version 2 order forms.
Need recurring billing without creating products inside NMI.
What the NMI Integration Supports
The NMI integration allows Kyrios to process payments through the NMI payment gateway with the following capabilities:
Credit and debit card payments only.
One-time and recurring payments.
One-click upsells on order forms.
Automatic payments for recurring templates.
Invoice payments.
Text2Pay link payments.
Order form payments in Funnels version 2 (one-step and two-step).
Additional behavior:
Existing products in Kyrios continue to work without changes.
Orders and transactions are tracked under Payments → Orders & Transactions.
Subscriptions can be canceled directly inside Kyrios.
What the NMI Integration Does Not Support
The following limitations apply:
Apple Pay is not supported.
Google Pay is not supported.
eCheck payments are not supported.
3D Secure (3DS) is not supported.
Calendar and membership payments continue to use Stripe.
Do not set NMI as the default gateway if you rely on calendar payments.
Requirements Before Connecting NMI
Before enabling the integration, ensure:
You have an active NMI merchant account.
Your account is PCI compliant.
Funnels version 2 is enabled.
NMI acts as a payment gateway and requires a merchant account to authorize and settle transactions.
Required NMI Credentials
Three credentials are required to connect NMI:
Gateway ID
Security Key
Public Key
How to Find Your NMI Gateway ID
Log in to your NMI Merchant Account.
Go to Settings → Account Information.
Copy the Gateway ID.
How to Create a Security Key in NMI
Log in to your NMI Merchant Account.
Click Options.
Click Settings.
Click Security Keys.
Create a new key.
Security Key Types
API – Required for Direct Post, Three-Step Redirect, or Query API.
Cart – Used with hosted cart (QuickClick).
Tokenization – Used only with Collect.js.
You may enable both API and Cart on the same key.
How to Connect NMI in Kyrios
Go to Payments → Integrations.
Locate NMI (Network Merchants Inc.).
Enter the following:
Gateway ID
Security Key
Public Key
Click Save.
Once connected, you can choose NMI as the default gateway if needed.
Default Gateway Behavior
When multiple gateways are connected:
One default gateway must be selected for order form payments.
The default gateway applies only to:
Order forms
Invoices
Text2Pay links
PayPal continues to function alongside Stripe, Authorize.net, or NMI.
Subscriptions and Recurring Payments
Recurring products are supported with the following rules:
Only one recurring product can be purchased per order form checkout.
Subscriptions are tracked under Payments → Subscriptions.
Orders and transactions appear under Payments → Orders & Transactions.
Subscriptions can be canceled using the Cancel Subscription action.
Kyrios does not use NMI’s Automatic Recurring Billing system.
Subscription Status Definitions
Pending – First payment failed or is under review.
Trial – Subscription is in a trial period.
Active – Last payment succeeded and future payments are scheduled.
Unpaid – A payment failed, but retries are in progress.
Expired – All payments completed and the subscription ended.
Canceled – Subscription was manually canceled.
Payment Retry Logic
If a recurring payment fails:
Two retry attempts occur at 24-hour intervals.
Status remains Unpaid during retries.
If a retry succeeds, the subscription returns to Active.
If all retries fail on the final payment, the subscription moves to Expired.
Disconnecting a gateway during an active subscription will cause retries to fail.
Refunds
Refunds are not processed inside Kyrios.
To issue a refund:
Log in to the NMI Merchant Portal.
Process the refund directly in NMI.
Transaction records in Kyrios remain visible after refunds.
Reporting and Tracking
All NMI payments are available in:
Payments → Transactions
Payments → Orders
Payments → Subscriptions
No changes occur to attribution, workflows, or order form triggers.
FAQ
Where can I accept payments using NMI?
NMI can be used for:
Funnels version 2 order forms (one-step and two-step)
One-click upsells
Invoices
Text2Pay links
Do I need to sync products with NMI?
No. Products are created only inside Payments → Products. Pricing defined in Kyrios is used automatically.
Are Apple Pay, Google Pay, or eCheck supported?
No. Only credit and debit card payments are supported.
Is 3D Secure supported?
No. 3D Secure is not supported with the NMI integration.
Can I use Stripe for Apple Pay and NMI for cards at the same time?
No. Only one default gateway can process order form payments.
Do I need to disconnect Stripe to connect NMI?
No. Multiple gateways can be connected. You must choose a default gateway for order forms.
Why is PayPal not listed as a default gateway?
PayPal works alongside Stripe, Authorize.net, or NMI and does not require default selection.
Will all payments switch to NMI if it is set as default?
No. Only invoices, Text2Pay links, and order forms use NMI. Calendar and membership payments continue using Stripe.
How do I cancel a subscription created with NMI?
Go to Payments → Subscriptions and use the Cancel Subscription action.
Where do I track NMI subscriptions and orders?
Subscriptions: Payments → Subscriptions
Orders and transactions: Payments → Orders & Transactions
Is PCI compliance required?
Yes. PCI compliance is required, but NMI tokenization reduces your PCI scope.
Can I refund transactions inside Kyrios?
No. Refunds must be processed in the NMI Merchant Portal.