--- title: "Stripe and NMI: what's different" description: "See which Jovvie products work with Stripe or NMI, and how card payments, readers, refunds, and test mode differ between the two." url: https://docs.jovvie.com/payments/stripe-vs-nmi/ section: "Payments and accounts" last_updated: 2026-10-26 --- # Stripe and NMI: what's different Section: Payments and accounts > See which Jovvie products work with Stripe or NMI, and how card payments, readers, refunds, and test mode differ between the two. Jovvie works with two payment processors: Stripe and NMI. A payment processor is the company that handles your card payments and sends the money to your bank. Most tasks look the same either way, but some features only work with one processor. Use this page to check which features apply to you. Each product page also points out differences where they matter. ## Which products support each processor | Product | Stripe | NMI | | ---------------------------------------------------------- | ------ | --- | | Jovvie Point of Sale | Yes | Yes | | Jovvie Checkout for WooCommerce | Yes | No | | Jovvie Checkout for Gravity Forms | Yes | No | | Jovvie Checkout for GiveWP | Yes | No | | Jovvie Checkout for Event Tickets | Yes | No | | Your own Checkout integration (built with the Jovvie SDKs) | Yes | Yes | For Jovvie Pay, see [jovvie.com/pay](https://jovvie.com/pay/). If you use one of the ready-made Checkout integrations, you only need Stripe, so the rest of this page is mostly about Point of Sale. For more, see the [Jovvie Checkout overview](https://docs.jovvie.com/checkout/) or, if you are a developer building your own integration, [Build your own Jovvie Checkout integration](https://docs.jovvie.com/developers/). ## Point of Sale: Stripe and NMI side by side | | Stripe | NMI | | --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Where you connect** | **POS** > **Settings** > **Stripe Connect**. You click **Link Account** and sign in to Stripe. See [Connect Stripe to Point of Sale](https://docs.jovvie.com/point-of-sale/set-up/connect-stripe/). | **POS** > **Settings** > **NMI**. To get your NMI connection set up, contact [Jovvie support](https://jovvie.com/support/). | | **Card payment method in the register** | **Swipe/Insert/Tap**, marked **with Stripe Terminal**. | **Swipe/Insert/Tap**, marked **with NMI Terminal**. | | **Which readers staff can use** | For web terminals, staff can use only the readers you enable for the [station](https://docs.jovvie.com/start-here/glossary/#station) (one register in Point of Sale). See [Set up card readers for a station](https://docs.jovvie.com/point-of-sale/set-up/card-readers/) and [Web terminals and app terminals](https://docs.jovvie.com/hardware/web-and-app-terminals/). | Any terminal registered to your NMI account. Staff pick the terminal at checkout. | | **Express checkout** (the reader starts on its own) | Yes, when only one terminal type is selected for the payment method. For web terminals, a default reader must be set for the station. See [Set up Express checkout](https://docs.jovvie.com/point-of-sale/set-up/express-checkout/). | No | | **Enter a card by hand** (**Enter Card**) | Yes. See [Enter a card manually](https://docs.jovvie.com/point-of-sale/sell/enter-card-manually/). | No | | **Send an invoice to pay later** (**Invoice**) | Yes. See [Send an invoice to pay later](https://docs.jovvie.com/point-of-sale/sell/invoice/). | No | | **Stopping a payment with Abort** | Stops the register from waiting and asks Stripe to cancel the payment. The payment may still go through, so check the payment status before you try again. See [Stop a payment](https://docs.jovvie.com/point-of-sale/sell/card-payment-stripe/#stop-a-payment). | Only stops the register from waiting. You must also cancel the transaction on the terminal. | | **Order status after a successful payment** | **Completed**, when the card payment pays the full order on its own. If the amount charged does not match the order, the order is put **On hold**. A [split payment](https://docs.jovvie.com/start-here/glossary/#split-payment) (a sale paid in more than one part) uses the **Split Payment** method’s status. | **Completed**, when the terminal payment pays the full order on its own. A split payment uses the **Split Payment** method’s status. | | **Refund from the register** | Sends the money back to the customer’s card, when the card payment paid the order on its own. For a **Split Payment**, the refund is recorded only, and you refund the card part in your Stripe Dashboard. | Records the refund only. You refund the transaction outside Point of Sale. See [Refund an order in the register](https://docs.jovvie.com/point-of-sale/orders/refund/). | | **Test mode** | Yes, with the **Mode** setting on the **Stripe Connect** tab. | No test mode setting in Point of Sale. See [Use test mode](https://docs.jovvie.com/payments/test-mode/). | | **Where to check payouts** | Your Stripe Dashboard. | The bank account you gave when you set up your NMI merchant account. See [Where to see your payouts](https://docs.jovvie.com/payments/payouts/). | NMI terminals only work with currencies that have two decimal places. For an order in another currency, use a different payment method. To take a payment, see [Take a card payment with a Stripe reader](https://docs.jovvie.com/point-of-sale/sell/card-payment-stripe/) or [Take a card payment with an NMI terminal](https://docs.jovvie.com/point-of-sale/sell/card-payment-nmi/). ## If your store uses both You can connect Stripe and NMI on the same site. Both card payment methods are named **Swipe/Insert/Tap** by default, so staff may see two methods with the same name in the register. The line under each name shows which is which: **with Stripe Terminal** or **with NMI Terminal**. To make the difference clearer for staff, rename one or both methods. See [Choose payment methods](https://docs.jovvie.com/point-of-sale/set-up/payment-methods/). ## Checking a payment you are not sure about Where you look depends on the processor: - **Stripe:** check your Stripe Dashboard and the order history in the register. - **NMI:** check the terminal screen and the order history in the register. Do not charge the customer again until you know that no payment went through and none is still processing. For the steps, see [Card reader payment problems](https://docs.jovvie.com/point-of-sale/troubleshooting/card-readers/). ## Related - [How Jovvie works](https://docs.jovvie.com/start-here/how-jovvie-works/) - [Payment statuses](https://docs.jovvie.com/payments/payment-statuses/) - [Where to see your payouts](https://docs.jovvie.com/payments/payouts/) ## Need help? Contact [Jovvie support](https://jovvie.com/support/).