NMI recommends that you create a separate user in your NMI account to process your transactions from Foxy. Here's how (These instructions are current as of 12/30/2023. Please let us know if your portal looks different):

1. Log into your NMI account's Merchant Portal (Here)
2. Click (on the left) Options→Settings→User Accounts and select Add a New User. Note the username and password created.
3. Open your Foxy admin's payment settings and check the Let customers pay with a Credit or Debit Card box.
4. From the dropdown, select NMI (Native Integration).
5. Insert your NMI user username into account username and the password into transaction key, scroll down, and click Update Payment Gateway to save.
6. Test.

Note: If you get an error about “Overriding Duplicate Threshold is not allowed” you'll need to contact your merchant account provider to have them remove that restriction.

As always, test with a live card before you assume things are working.

Contact your merchant account provider to obtain a test account as NMI support will be unable to provide you one.

Otherwise, you can use testing credentials found below. Keep in mind, your production gateway account may have settings that differ from the sandbox/developer account below.

• Username: demo
• Password (Transaction Key): password

These card numbers will only work in Test Mode.

• Visa: 4111111111111111
• MasterCard: 5431111111111111
• Discover: 6011601160116611
• American Express: 341111111111111
• Expiration: 10/25
• CVV: 999

If you get a “The processor response format is invalid” error, you can contact NMI support to find out the reason, but you may need to get ahold of the processor directly for a solution. In some cases the processor can return “INV CVV2 MATCH” so it results in a decline response from the gateway. This generally means that the card holder entered an incorrect Card Security Code, and the processor or Bank has rejected the transaction.

If you get a Response Reason Code: 122, there are a couple possible issues there.

Firstly, you can try to update your payment gateway settings in FoxyCart. Our NMI integration does not use API keys. Go to the “Payment” section of the FoxyCart admin and enter your NMI username & password instead of the API key or key id.

If you're already set up with the username and password, it may alternatively be:

• The transaction amount is greater than the max allowed ticket amount set for your NMI account. To change that amount, your Merchant Service Provider's customer service team will need to approve that increase.
• There is a duplicate transaction check at the gateway that is set to a number of seconds (default is 120). Talk to your account rep to set it to 3 to match what NMI saw as the setting at Foxycart coming through, and also enable the option to allow for the merchant to override for the duplicate check. (Note: This is feedback from a user. Please check with your account rep to discuss this.)

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