NMI Payment

$39.00

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1 Year

2 Years

Your Gateway. Your Checkout. Your Rules.

You're already paying NMI's rates. Stop also paying for a redirect that kicks your shoppers off your site. NMI Payment for J2Commerce puts the card fields on your page, the vault in your account, and the admin controls in your order screen — where they belong.

SAQ-A

PCI compliance tier — the lightest available

Auto

Subscription renewals — no manual reconciliation

Admin order actions — Capture, Void, Refund

Languages included

What Your NMI Account Can Actually Do — When It's Wired In Properly

Twenty-one code-verified features across the full payment lifecycle. Not a basic gateway connector. The complete NMI integration.

SAQ-A Card Fields

Card number, expiry, and CVV render inside NMI-hosted iframes on your checkout page. Your server never touches raw card data. The lowest PCI compliance burden available to an ecommerce merchant.

Saved Cards — Customer Vault

Logged-in shoppers save their card once and pick it on every return visit. One click at checkout, no re-entry, no friction. Your repeat customers — already sold on you — get the fastest path to purchase.

Subscription Auto-Renewal

Subscription products charge the stored card automatically when renewal comes due. Merchant-initiated, fully hands-off. No manual reconciliation. No failed-renewal support queue. Revenue that arrives without effort.

Authorize Now, Capture Later

Pre-authorize the card at order time and capture when the goods ship. Configurable per-store. Charge on dispatch, not on order — the model that keeps your B2B accounts happy and disputes low.

Admin: Capture, Void, Refund

The order screen shows the right action for the current transaction state — and only that action. Auth pending: Capture and Void. Settled sale: Refund (full or partial). Already reversed: status note, no buttons. No accidents.

Signature-Verified Webhooks

When a shopper's browser dies mid-checkout, the order still finalizes. NMI's payment notification hits your server, the signature is verified, and the order updates — no browser required. What the gateway says happened matches what your store records.

Card + ACH Payments

Accept credit cards, debit cards, and ACH bank payments through a single integrated checkout. Your NMI account's capabilities, surfaced in your store without a separate plugin or a separate configuration screen.

Surcharge Support

Add a percentage or fixed surcharge to NMI card payments and show it as a labeled line item at checkout. Pass processing costs to the buyer transparently. Margin recovered. No surprises on either end.

Debug Logging + Connection Test

One toggle writes every API exchange to your Joomla log directory. A built-in connection test confirms your live credentials without processing a real transaction. Sandbox comes with pre-filled test keys so you run your first test payment the day you install it.

Card Fields on Your Page. PCI Burden Off Your Plate.

The card number, expiry, and CVV render inside NMI-hosted iframes that look and feel like part of your Joomla checkout page. Shoppers never see a difference. Your server sees a single-use payment token. That's SAQ-A — the lightest PCI compliance tier available to an ecommerce merchant. No redirect. No browser navigation. No "you are leaving our site" moment that tanks mobile conversion. Your checkout page stays your checkout page from start to finish.

NMI-hosted iframes embedded in your checkout layout
Single-use payment token — raw card data never reaches your server
Lowest PCI compliance scope for card-present ecommerce

Saved Cards — The Feature That Turns Buyers into Regulars

Logged-in customers save their card at checkout and see it waiting on every future visit. Brand, last four digits, expiry. Pick it or switch to a new card. One tap. Your returning customers — the ones with the highest lifetime value — get the fastest possible checkout experience. And when those customers subscribe to a recurring product, the same stored card handles every renewal automatically: merchant-initiated, no shopper interaction required, no payment-failure campaigns to manage.

Save at checkout, reuse on every return visit
Subscription renewals charge the vault card automatically
Delete saved cards from the customer account — no portal login needed

Admin Controls That Match What Actually Happened

The payment panel in every J2Commerce order shows exactly the actions available for that transaction's current state — nothing more, nothing less. Authorized but not captured: Capture and Void. Settled sale: Refund, full or partial, with cumulative accounting that blocks you from exceeding what was charged. Already reversed: a status note, no buttons. And a built-in partial refund tracker so you can refund in increments without losing count. Your team handles post-sale payment management in under a minute, without logging into the NMI portal.

Capture authorized payments from the J2Commerce order screen
Void unsettled payments before the nightly batch
Full or partial refunds with cumulative accounting — no over-refund risk

Real-World Use Cases

A lifestyle subscription box store operates on monthly billing. Their previous setup required a manual reconciliation step each renewal cycle — someone had to verify the charge, update the order, and trigger fulfillment. At 200 subscribers, that's a few hours a month. At 800 subscribers, it's a part-time job. With NMI Payment and J2Commerce subscriptions, the vault handles it. Renewal comes due, the stored card is charged, the order marks paid, fulfillment triggers. The team went from babysitting their payment system to checking a report once a week. Nobody's doing weekend payment reconciliation anymore. That's not an efficiency improvement. That's getting your weekends back.

An industrial parts distributor sells to procurement teams who require delivery confirmation before payment is finalized. The old flow — charge on order, deal with disputes when shipment was delayed — created friction with their best accounts. With Auth + Capture, the card is authorized at order time (the procurement team sees the hold, it satisfies their internal approval process) and captured when the pallet actually ships. The Capture button is right there on the J2Commerce order screen. Click. Done. Disputes dropped. Payment terms simplified. Their best accounts stopped calling about timing.

A specialty food retailer had strong repeat customer metrics but weak repeat purchase conversion. Surveys showed the friction was checkout: customers were re-entering card details every time. Their NMI account supported vault storage but their previous plugin didn't surface it. With NMI Payment's saved card flow, returning customers see their Visa ending in 4 digits, tap Use This Card, and they're done. The shopper who already loves the store doesn't need a reason to abandon — they need a reason to stay. One-click checkout is that reason. Repeat order conversion improved within the first quarter. Because they stopped making their best customers prove they had a credit card on every visit.

Your NMI Account Is Already Running. Put It to Work.

Card fields on your page. Saved cards your customers actually use. Subscriptions that renew themselves. Refunds in 60 seconds from the order screen. That's what a proper NMI integration looks like. Yours can too.

Translated In The Following Languages

Arabic Unitag (ar-AA), Chinese, Traditional (zh-TW), Danish (da-DK), Dutch (nl-NL), English (en-GB), English, USA (en-US), Finnish (fi-FI), French (fr-FR), German (de-DE), Greek (el-GR), Hebrew (he-IL), Italian (it-IT), Japanese (ja-JP), Norwegian Bokmål (nb-NO), Persian Farsi (fa-IR), Polish (pl-PL), Portuguese, Brazil (pt-BR), Portuguese, Portugal (pt-PT), Russian (ru-RU), Spanish (es-ES), Swedish (sv-SE), Turkish (tr-TR)

License Information

An active license entitles you to updates, downloads, and support for the duration of the license period. You may continue using this plugin indefinitely without an active license; however, support, updates, and downloads will not be available while your license is inactive.

Developer J2Commerce
Extension Type Payment
J2Commerce Version 4.x, 6.x
Joomla Version 4.x, 5.x, 6.x

Language Translations

Arabic Unitag

Chinese, Traditional

Danish

Dutch

English

English, USA

Finnish

French

German

Greek

Hebrew

Italian

Japanese

Norwegian Bokmål

Persian Farsi

Polish

Portuguese, Brazil

Portuguese, Portugal

Russian

Spanish

Swedish

Turkish

User Guide (Version 4)

User Guide (Version 6)

New Feature Add saved-card relink support to the self-service Payment Update screen

Improvement Verify ownership of the selected saved card before rebinding it to a subscription

Improvement Reuse the existing saved-card list to pick the renewal card, no new storage added

New Feature Reject relink of a brand-new (unsaved) card with a clear error, since NMI has

Update no charge-free card-vaulting call; customers save the card via checkout first

Update Requires Joomla 6.x + J2Commerce 6.x + NMI merchant account

New Feature Charge stored Customer Vault cards for after-sale offers (supplemental payments)

New Feature Honor delete-veto events so cards backing active subscriptions cannot be removed

New Feature New error string when no chargeable payment method exists for an offer

Improvement Supplemental charges always capture immediately, independent of auth-only mode

Update Requires Joomla 6.x + J2Commerce 6.x + NMI merchant account

Fix blank sandbox credential defaults

New Feature Add 19 new translations (de, es, pt-PT, pt-BR, it, nl, fr, ru, el, he, ar, ja, pl, sv, zh-TW, nb, da, fi, tr)

Improvement Align match-arm and array-assignment whitespace (php-cs-fixer)

Deletion Drop unused sql/ directory and the / schema manifest declarations

Fix Fix admin refund treating a 0.00 partial-refund amount as a full refund

Fix Fix installer shipping an empty SQL file that had to be deleted before install

Improvement Plugin creates no tables; token storage stays on shared #__j2commerce_paymentprofiles

Improvement Re-apply php-cs-fixer whitespace alignment in two source files

New Feature Register all 21 locales in the manifest, en-US listed first

Update Ships full RTL coverage for Hebrew and Arabic with native punctuation preserved

Update Requires Joomla 6.x + J2Commerce 6.x

New Feature New NMI (Network Merchants) card payment gateway for J2Commerce

New Feature Collect.js tokenization — card data entered in NMI-hosted iframes (PCI SAQ-A)

New Feature Saved cards via the NMI Customer Vault for registered shoppers

New Feature Subscription and recurring renewals via stored-credential MIT charges

New Feature Admin order-view capture, void, cancel, and full/partial refund buttons

New Feature HMAC-SHA256 webhook verification to finalize orders server-side

New Feature Sandbox/Live host switching (sandbox.nmi.com vs secure.nmi.com)

New Feature Bootstrap 5 and UIkit checkout templates

New Feature Test-connection button that validates the gateway security key

Update Requires Joomla 6.x + J2Commerce 6.x + an NMI merchant account

New Feature J2Commerce v4 and Joomla 4/5 support

Update J2Commerce/J2Store v4 and Joomla 4/5 plugin support

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NMI Payment

Your Gateway. Your Checkout. Your Rules.