In our recent webinar Nick Starai, NMI’s Chief Strategy Officer, discussed contactless payment trends, ways to quickly and easily offer touch-free payment solutions like QR codes and contactless EMV, as well as insights into what the next wave of contactless tech will bring.
Since we didn't have enough time to answer all the questions submitted during the webinar, we have addressed them below. In addition to the below questions, Nick also answered a number of questions live which were also captured in the webinar replay.
How about QR code for medical practices?
There are lots of QR code use cases in the medical industry because medical practices currently have an even higher desire to be touch-free than many other businesses. Many medical practice management systems are integrating to use QR via API to have that built-in feeling, however, even without a lot of integration work, offices can generate and print out “static” QR codes for co-pays since it's pretty common to have $20.00, $40.00, etc..
How does a QR code connect the payee and the amount to an invoice or receipt?
The QR code can have a website URL embedded into the image. When a QR scanner reads a code, it will automatically launch a browser and point it to a specific checkout/payment page.
You recently released a beta for Google Pay in Collect.js. Any ETA on Apple Pay?
Apple Pay for browser-based ecommerce will be available in Q1. It will include mass enablement, which will allow NMI to automatically board merchants in Apple’s system. That removes the need to create their own merchant account with Apple, and also eliminates the annual fee.
Is the QR code specific to an invoice or receipt number, or is it a general basket payment location? How then does a restaurant reconcile the books?
Good question. It can be used either way. Using a fully integrated restaurant POS, the integrator would code to NMI's QR code API. When a tab/bill is ready to be paid, it would make a simple API call to the gateway passing some important details about the bill. Those details then get encoded into the QR code and when read by the cardholder their specific bill is rendered for them based on the dynamic QR code. Using this integrated method would allow for automatic book reconciliation. For non-integrated, you could have a QR code that launches a page where the cardholder inputs the amount they are paying manually. Using this method, the restaurant would have to reconcile the transaction using the gateway reporting against their bank account.
How do Contactless payments affect chargebacks?
EMV Contactless payments are subject to the "liability shift," so the merchant does not have liability for chargebacks due to fraud (subject to any limits set by the processor). Non-EMV Contactless payments (such as pay by QR code) are classified as CNP, so merchants should take additional steps to protect themselves against chargebacks, such as address verification, CVV, etc.
Tap on Phone will work great for event parking, pay on entry
Yes, it will!
Will the iProcess app have Tap on Phone? Or will this be directly handled through Apple Pay and Google Pay?
We are planning to add Tap on Phone to iProcess (at least the Android version) as soon as possible.
Is underwriting new merchants part of NMI?
NMI does not underwrite new merchants directly. Our gateway services are provided to merchants by NMI affiliate partners.
Do you support PIN on Glass?
We have just finished our first PIN on Glass certification using an unattended card reader for vending in the UK. More to come.
How many of these solutions are and will be accessible WITH 3DS, since this is becoming the norm?
NMI currently supports 3DS v2 with our Payer Authentication 2.0 value-added service. This service can currently be used with our Three-Step Redirect API and QuickClick to validate the cardholder’s identity, prevent fraud and protect against unauthorized transactions. We also have a number of things on the roadmap for 3DS in 2021. First, we will integrate our payer auth service into our Collect.js and Collect Checkout hosted ecommerce solutions for out-of-the-box 3DS v2 support. Second, we are developing an SDK for you to add to your native mobile application to support 3DS in app. Third, we will support a standalone 3DS v2 service for those that want the added protection of 3DS but are not boarded on the NMI gateway.
Could you take a Micros POS terminal that is swipe, connect it to the cloud and make it EMV?
No, swipe is not classed as an EMV transaction.
If a merchant with one MID has a dozen BBPOS Chippers deployed at different popup locations, will the reporting show sales by location or will it be rolled up and show only by MID?
Yes, you can group transaction reports by Mobile Device regardless of the amount of MIDs that are boarded within a specific gateway account.
What devices/terminals can you work with for the ChipDNA Cloud solution for Canadian merchants? And is Tap on Phone an option now for Canadian merchants or is that coming?
The ChipDNA Cloud solution is not yet available to Canadian merchants since the Ingenico Lane series of terminals are currently certified only with US processors.
Are there any plans to add a full-on retail POS with inventory management capabilities for omnicommerce merchants that sell in person and online?
There are no current plans for this. There are many independent software vendors marketing retail POS applications incorporating full inventory management.
When you use the QR code could you capture the phone number to do a loyalty or bounceback program?
The gateway does not currently manage loyalty, but if those capabilities were added, this would be a great idea.
Will NMI have cash discount/surcharge enabled for their retail applications?
We are planning to evaluate how the market receives cash discounting in our Mobile solution first. Assuming feedback is strong, we’ll be looking to expand the functionality more broadly.
How do I get early access to the NMI Tap on Phone solution?
As we get closer to a Tap on Phone solution, we will be doing some beta/pilot reach-outs - keep your eyes and ears open.
Is NMI working on a cash discount solution for mobile?
Yes, it will be available in Q1 of 2021.
Will ChipDNA Cloud handle PIN debit?
Yes, PIN debit support for ChipDNA Cloud devices is planned for a future rollout.
Fill out the form below if you have any additional questions, or are interested in learning more about how NMI’s contactless payment solutions you can leverage to keep your merchants surviving and thriving — both now and in a post-COVID world.
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QR code adoption has skyrocketed as a result of COVID-19, and more and more industry leaders are beginning to use them. In...Learn More
Payment integration checklist: 5 traits to look for in your payment partner
The right payment gateway partner can mean the difference between success and failure in today’s shifting climate. This is...Learn More
Innovative payment technologies that commuters will love
Social distancing has consumers making payments from their cars -- and wary of cash and using PIN pads. Here’s how you can...Learn More
Green Sheet Q&A with Jennifer Sherman
QR codes started gaining popularity in the restaurant industry and now are making their way into other industries such as ...Learn More
Offer Kiosks to Enhance Your Clients' Omnichannel Businesses
Kiosks bring a part of the digital shopping experiences in-store as well as providing a sanitary, socially distanced way t...Learn More
Reasons to follow Starbucks' lead on mobile payment acceptance and pickup-only
A mobile ordering and payment app and pickup-only locations not only streamlines customer experiences, but it also meets t...Learn More
All of a sudden, QR codes are everywhere
QR codes are infiltrating the restaurant industry, offering an easy touchless ordering option amid the coronavirus. Our SV...Learn More
The advantages of restaurant online ordering and delivery over third-party platforms
Restaurants that quickly signed with third-party ordering and delivery platforms may be rethinking their decisions now. Gi...Learn More
FIRESIDE CHAT: Fueling the recovery of COVID
Today’s chat is hosted by Grace Waller, NMI’s Marketing Project Manager who sat down with Jen Sherman, NMI’s SVP of Produc...Learn More
How ISOs were forced to adapt early on in coronavirus pandemic
Amid the COVID-19 outbreak, ISOs leveraged payment partnerships to address the evolving needs of merchants, such as enabli...Learn More
COVID-19 continues to evolve the customer experience
It's safe to say that the world will never be the same after COVID-19. Nearly every aspect of our lives has changed and, i...Learn More
More distinction between banks and non-banks is on the horizon
The recent news regarding German payments giant, Wirecard and the discovery of a large amount of missing money from their ...Learn More
Will card-not-present transactions continue to dominate post-coronavirus?
Macro consumer behavior trends aren’t static. They evolve and change. Concerns related to the economy, news and media infl...Learn More
As retail reopens, voice tech takes center stage
The COVID-19 pandemic has created an opportunity for a new touchless world, bolstered by voice technology. NMI’s head of p...Learn More
Cooking up a comeback
The National Restaurant Association predicts the casualty rate for restaurants will be about 20% as a result of the corona...Learn More
COVID-19 opens door for software innovation
After months in the dark, restaurant dining rooms are beginning to reopen. Government-mandated shutdowns due to the COVID-...Learn More
Starbucks’ coronavirus plan demonstrates the future of fast food
In a recent PaymentsSource article, Vijay Sondhi, NMI’s CEO discusses how Starbucks’ new pickup store concepts will set th...Learn More
The rise and rise of the unattended kiosk
Pete Alcock, NMI’s Head of Product Marketing, recently wrote an article for Kiosk Solutions Magazine covering the behavior...Learn More
Business has changed. Use the opportunity to innovate your payments experience
In a recent article published in Payments Journal, Nick Starai, NMI’s Chief Strategy Officer, shares the importance of SMB...Learn More
The rise of contactless payments in a coronavirus world
Nick Starai, NMI’s Chief Strategy Officer, recently wrote a guest post for Transaction Trends covering why consumers are t...Learn More
Restaurant software needs new functionality in a coronavirus world
There aren’t many markets that have been untouched by the coronavirus pandemic. One of the hardest hit has been the restau...Learn More
Fireside Chat: The importance of platform reliability & security in a pandemic
As the COVID-19 pandemic continues on, the importance of having a reliable and secure technology partner is crucial to the...Learn More
COVID-19 Pushes Merchants Online: Are Your Customers Ready?
For years now, brick-and-mortar retailers have battled against online competitors like Amazon. The consensus advice to mer...Learn More
Payments companies step up to help amid COVID-19 crisis
Nick Starai, NMI’s Chief Strategy Officer, was featured in a recent article in the Green Sheet covering how payment compan...Learn More
Is your payment gateway an asset or liability during tough times?
The COVID-19 pandemic has probably changed our world forever and has tested us in ways we couldn’t possibly imagine. Nearl...Learn More
The benefits of contactless parking payments during the COVID-19 crisis
Pete Alcock, NMI’s Head of Product Marketing, was featured in Parking Today discussing how contactless parking payments ar...Learn More
Fireside Chat: Maintaining resilience during COVID-19
With so much uncertainty surrounding COVID-19, it’s hard to know what’s going to be around the corner. Maintaining resilie...Learn More
Contactless Payments Play Significant Role In Curbing Spread of COVID-19
With the aggressive spread of COVID-19 across the world, governments have advised citizens to minimize social interactions...Learn More
Celebrating What Matters Most — the NMI team!
Our mission at NMI is to use our expertise to enable more payments, in more ways and more places. In 2019 we hit new heigh...Learn More
The Crisis in Authentication
NMI CEO Vijay Sondhi was recently featured in Digital Transactions, along with five other payments professionals, discussi...Learn More
IoT Technology Helps Create Seamless Unattended Payments
Internet of Things (IoT) technology can transform processes to make them more efficient and convenient. NMI CEO Vijay Sond...Learn More
Will Mobile Payments around the World Shape the US Market?
Retail m-commerce sales in the US totaled $207.2 billion in 2018, and contactless payments have grown modestly — the numbe...Learn More
How NMI Helped Fattmerchant Enhance Their Product & Enable Omnichannel Growth
Fattmerchant is a payment solutions and technology provider for merchants and ISVs and has seen tremendous growth for the ...Learn More
Become a NextGen ISO and Stay Relevant in an Ever-Changing Industry
Read the headlines from your favorite tech publication or blog on any given day and you’ll probably get an instant headach...Learn More
Adopting the Pay-Fac Model May Be Easier Than You Think
Nick Starai, NMI Chief Strategy Officer, was featured in Transaction Trends discussing what the pay-fac model is, the pros...Learn More
A Payment Gateway as a Technology Enabler for ISOs, ISVs, & Payment Facilitators
Nick Starai, Chief Strategy Officer of NMI, sat down with George on the Payments on Fire podcast to discuss the role of ...Learn More
Tap into Omnichannel Opportunities beyond Retail
Nick Starai, NMI Chief Strategy Officer, recently discussed the expanding opportunities of omnichannel in the Green Sheet....Learn More
How to Help SMBs Compete and Thrive
In the latest issue of Digital Transactions, NMI Chief Strategy Officer Nick Starai talks about the benefits of unified ...Learn More
Is the Payments Industry Ready for NextGen ISOs?
Nick Starai, NMI Chief Strategy Officer, discusses the common characteristics of NextGen ISOs in the latest issue of the...Learn More
Tokenization: New Life Given to Old Technology
Last month NMI exhibited at RSPA RetailNOW in San Antonio. The ISV and POS dealer-focused event is where retail and rest...Learn More
Enable E-Commerce Payments With A Single Line of Code
Online merchants face an uphill battle every day. They have to master branding, merchandising, shopper personas, personali...Learn More
How Payment Solutions Help Ecommerce Companies Move from Clicks to Bricks
Although ecommerce technology can provide many types of customer-pleasing experiences, it hasn’t yet come up with an alt...Learn More
Coming Soon: Widespread US Contactless Payments Adoption
Nick Starai, NMI Chief Strategy Officer, covers how the UK has set the stage for the rise of contactless payments in the...Learn More
Shifting to SaaS Payment Solutions
For ISVs and ISOs, there are many point of sale (POS) and payments trends having a significant impact on the industry. F...Learn More
Omnichannel: Growing beyond retail
In a recent interview with PYMNTS, Jennifer Sherman, SVP Product at NMI, talked about the appealing uses of omnichannel ...Learn More
Contactless Payments: The Next Milestone in U.S. Payments
Global contactless payment adoption has grown at a fast pace in recent years. Our data shows that 42% of all UK transact...Learn More
The Software and Payments Divide is Shrinking
It wasn’t all that long ago that software and any payments components were completely separate when it came to the final...Learn More
How Bristol became the contactless capital of the UK
Bristol was recently revealed to be the contactless capital in the UK. Close to 75% of card transactions in Bristol were...Learn More
Contactless Payments: What’s Driving Contactless Payment Adoption?
Contactless payment adoption is growing around the world, and the stage is set for widespread adoption in the U.S. in th...Learn More
The NYC Transit System Could be Key to US Contactless Payment Adoption
New payment technology may have the potential to make consumer experiences easier and more convenient, but if few people...Learn More
Closing In On Contactless Payments’ Tipping Point
In an interview with PYMNTS, NMI Chief Strategy Officer Nick Starai, said a number of factors may be leading contactless...Learn More
CEO INSIGHTS: Revenge of the Small Business
In a podcast with Patti Murphy and James Shepherd from the Green Sheet, NMI CEO Vijay Sondhi sat down to discuss how ...Learn More
Will Contactless Payment Cards Make Mobile Wallets a Thing of the Past?
Since Google introduced Google Wallet in 2011, Apple launched its first mobile wallet in 2014, and Samsung and Android f...Learn More
How Developers Can Offer a Seamless Merchant Experience
Developers can simplify payments for merchants on their own When it comes to building credit card processing into your ...Learn More
How Contactless Payments Work – and Work Securely
U.S. consumers are about to have a new way to pay. Chase, the U.S.’ largest credit card issuer, announced that by the en...Learn More
Omnichannel: The revenge of the brick-and-mortar store
In an interview with PYMNTS, NMI CEO Vijay Sondhi, discusses Omnichannel and how reality has yet to catch up to its prom...Learn More
CEO INSIGHTS: How IoT Payments Make The Old (Transaction) New Again
In a podcast with Karen Webster of PYMNTS.com, NMI CEO Vijay Sondhi delved into the ways that IoT is bringing every...Learn More
How Payments Can Help Reach Omnichannel Retail Nirvana
Years ago, when retailers first envisioned what ideal omnichannel retail would look like, they pictured seamless shoppin...Learn More
How payment innovators are using tokenization beyond security
For years the payments industry has been hard at work developing and enhancing technologies and methodologies to protect s...Learn More
Payment innovations create value for retailers across multiple touch points
Online commerce will grow at more than six times the rate of in-store sales through 2022, according to research, reaching ...Learn More
Here’s why you should demand remote key injection (RKI) from your payment gateway
Very seldom do we speak with software developers who want to spend their valuable time or their staff’s time on payment in...Learn More
Counter Solutions, Creditcall, Diebold Nixdorf and Sodexo partner to create micro-market ePOS solution for GlaxoSmithKline plc
When it comes to building a successful software development practice, leading ISVs (independent software vendor) not only...Learn More
All P2PE Solutions Are Not Created Equally
Security-minded ISVs, ISOs, and merchants know that P2PE is one of the most critical pieces to the puzzle of protecting an...Learn More
Payments Insights: Latest US EMV Migration numbers
U.S. EMV Numbers Show Improvement, But Highlight Lagging ISVs and Merchants. Consumers today expect their shopping experie...Learn More
Taking a Placement Year at NMI
Meet Dan! Dan, a student from UWE, undertook a placement year at NMI as a Software Developer. Why did you choose to d...Learn More
Will 2018 be the year of contactless payments in the US?
In the UK, card payments have overtaken cash payments and now account for more than 50 percent of all retail purchases, of...Learn More
CTO Insights: Can PIN-on-COTS Take EMV The Final Mile In The US?
Earlier this month, the PCI Security Standards Council released a new security standard that allows for PIN entry on comme...Learn More
The Ultimate White Label Payment Gateway Introduction for Merchant Acquirers
The Average Payment Gateway What Payment Gateways do Payment gateways play an essential role in the processing of a cred...Learn More
4 Reasons To Love Working at the Creditcall WeWork Office
With our New York office quickly expanding we wanted to share some experiences of working for Creditcall in the Big Apple....Learn More
CTO Insights: PIN-on-Glass is coming
Imagine taking a regular mobile phone and turning it into a payment device with a simple app download. That’s the utopian ...Learn More
Transit Insights: Studies highlight transportation desire for modern payment methods
Over the past couple months, we’ve written about the contactless payment revolution taking place in the mass transit secto...Learn More
Transit Insights: Is Transit ready for the contactless payments revolution?
Translink explains how it will bring cutting edge fare collection to public transport in Northern Ireland. By Creditcall T...Learn More
10 Top Tips to Studying in Bristol
Being born and bred in Bristol (though we’re now known worldwide), all of us at Creditcall HQ wanted to welcome new and re...Learn More
Mass Transit Is Ready For Credit & Debit Payments. Are ISVs?
Today, travelers using the tube and mass transit in the London area have the ability to pay for their fares using their ow...Learn More
CEO Insights: SME Retailers Being Neglected When It Comes To Next-Gen Payment
In today’s world of retail dominated by the Amazon’s of the world, SMEs need to leverage every resource they can to survi...Learn More
CEO Insights: Creditcall Named To “1000 Companies to Inspire Britain” List
At Creditcall, we have a lot to celebrate this month. We were recently named to the “1000 Companies to Inspire Britain” l...Learn More
CEO Insights: It’s Time To Address The Payments Needs Of European SMEs
In past blogs we’ve discussed the many challenges facing software developers when it comes to keeping up with payments se...Learn More
CEO Insights: Contactless Payments On The Rise Globally
The headline says it all. Reports from a variety of sources indicate that contactless payments have risen greatly over the...Learn More
CEO Insights: What’s Your Omni-channel Strategy?
As consumers, we’re all aware of the changes that have taken place in the retail world when it comes to our everyday shop...Learn More
CEO Insights: The Struggles Of An ISV In A Payments World
Software developers with solutions that intersect with the world of payment processing know that business can be fun, e...Learn More
CEO Insights: EMV in US still has a long way to go
The latest EMVCo numbers were published just before the New Year. While the latest numbers only reflect transactions up t...Learn More
CEO Insights: Will 2017 bring us the ultimate payment method?
In my previous post, we discussed the confusion created by the various payment-related products, apps, and services that h...Learn More
CEO Insights: Payment methods, will we ever settle on a standard?
I was recently at a restaurant just outside of London with my wife and when we got to the usual payment experience, we sa...Learn More
CEO Insights: New payment methods accelerate EMV
Over the past few weeks, we’ve been discussing EMV adoption within the United States. Specifically, what’s driving adopti...Learn More
CEO Insights: It’s time to address slow EMV transactions
One of the most common complaints we hear about EMV is the lengthy transaction times compared with standard swipes. While ...Learn More
CEO Insights: Are chargebacks helping or hurting EMV adoption?
Last week we discussed the current state of EMV adoption in the United States. Today, more than a year past the original O...Learn More
CEO Insights: Don’t let EMV certifications slow you down
Despite being more than a year past the U.S. EMV liability shift, there’s still much work to be done. Depending on which o...Learn More
Weekly EMV Industry News Roundup - 11 August 2016
U.S. Payments Forum updates minimum requirements for US EMV chip deployment Finextra To help merchants and acquirers dev...Learn More
Pay-Fac Sooners and Boomers
Payment Facilitators (Pay-Fac) may be the next wave of “timing is everything” for the payments industry and could bring a ...Learn More
Weekly EMV Industry News Roundup - 4 August 2016
Square’s Pricey Bet Pays Off as Merchants Pick Readers that Combine NFC + EMV PaymentsSource The tough move from free...Learn More
Weekly EMV Industry News Roundup - 28 July 2016
Will the Olympics ‘payment ring’ jumpstart NFC demand CSO Near Field Communication (NFC) – the “mobile wallet” techno...Learn More
Weekly EMV Industry News Roundup - 22 July 2016
EMV Group Rebrands to go Beyond Chip Cards PaymentsSource The industry-led EMV Migration Forum is changing its name a...Learn More
Weekly EMV Industry News Roundup - 15 July 2016
Visa’s mobile payments push goes for Olympic Gold PaymentWeek The Olympics—whether summer or winter variety—are a gre...Learn More
Weekly EMV Industry News Roundup - 30 June 2016
Move could speed retailers’ shift to secure chip cards Chicago Tribune The switch from magnetic stripe credit and debit ...Learn More
Will Pay-Facs Kill the VAR Model?
Integrated payments has been the darling of the finserv industry for years now, but it’s possible a category killer is loo...Learn More