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Configuring Payment Methods

Configuring Payment Methods

Once your NMI account is connected to CloudFFL, you need to configure which payment methods are available and how they work. This includes enabling card types for online payments and setting up payment methods for your Point of Sale (POS) system.

Enabling NMI and Selecting Card Types

  1. Go to Accounting → Configuration → Payment Providers
  2. Click NMI
  3. Make sure the State is set to Enabled (or Test Mode if you are still testing)
  4. Under the Configuration tab, you will see the list of accepted card types. Enable the card brands you want to accept:
    • Visa
    • Mastercard
    • American Express
    • Discover
  5. Click Save

Setting Up NMI Reader for POS (Physical Terminal)

If you have a physical card reader at your counter, you will set it up as a POS payment method using NMI Reader. This lets customers tap, swipe, or insert their card at the terminal during checkout.

  1. Go to POS → Configuration → Payment Methods
  2. Click New to create a new payment method
  3. Enter a name, such as Credit Card (Terminal)
  4. Under Journal, select a Bank journal
  5. Under Use a Payment Terminal, select NMI Reader
  6. Click Save

You must select a Bank journal, not Cash. Credit card payments are deposited into your bank account by your payment processor, so the journal type must be Bank. If you select a Cash journal, your accounting records will not match your actual bank deposits and your books will be out of balance.

Setting Up NMI Key-in for POS (Manual Card Entry)

NMI Key-in lets you type in a customer's card number directly from the POS screen — no physical terminal needed. When you select this payment method during checkout, a secure popup window (powered by Collect.js) appears where you enter the card details.

This is useful when:

  • A customer calls in an order over the phone and reads you their card number
  • Your physical terminal is offline or not working
  • You need to process a payment quickly without waiting for the terminal
  1. Go to POS → Configuration → Payment Methods
  2. Click New to create a new payment method
  3. Enter a name, such as Credit Card (Key-in)
  4. Under Journal, select a Bank journal
  5. Under Use a Payment Terminal, select NMI Key-in
  6. Click Save

You can set up both. You can have both NMI Reader (for your physical terminal) and NMI Key-in (for manual entry) as separate payment methods in the same POS. During checkout, your cashier simply picks the one they need. Most shops set up both so they always have a backup way to take cards.

Adding Payment Methods to Your POS

After creating your payment methods, you need to add them to your POS so they appear during checkout.

  1. Go to POS → Configuration → Point of Sale
  2. Click on your POS (for example, Shop)
  3. Scroll down to the Payment Methods section
  4. Click Add a line and select the payment methods you just created
  5. Click Save

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