Billing can often be an afterthought until an unexpected charge catches your attention, like an automatic subscription renewal. This guide is designed to help you understand how NMI (Network Merchants, Inc.) refunds work, who qualifies for them, and the step-by-step process to request your money back quickly and efficiently. We aim to make navigating refunds as straightforward as possible, ensuring you feel supported every step of the way.
What You Should Prepare Before Applying For Refund
Merchant Account Information: Have your NMI merchant account number ready for reference.
Transaction Details: Gather specific transaction IDs related to the charge you wish to dispute.
Proof of Transaction: Obtain receipts or confirmations for the transaction in question, including date, amount, and method of payment.
Refund Request Reason: Clearly articulate why you are requesting a refund, whether due to service issues, product dissatisfaction, or transaction errors.
Customer Communication History: Compile any relevant emails or messages exchanged with customers regarding the refund request.
Documentation of Terms & Conditions: Reference the terms of service or refund policy that applies to your situation.
Account Statements: Provide evidence from your bank or statements that detail the charge and any related fees.
Identification Documents: If required, have any necessary forms of ID or business registration documentation available for verification purposes.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Credit/Debit Card
3-5 working days
ACH Transfer
5-7 working days
eCheck
5-7 working days
Mobile Payments
3-5 working days
PayPal
5-10 working days
Cryptocurrency
Variable (up to 14 days)
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from NMI
NMI offers a comprehensive payment processing solution designed for businesses, encompassing various services including payment gateway, virtual terminal, and merchant account management. Understanding your rights and eligibility for refunds within this context can help you navigate billing inquiries effectively.
Users may find themselves in certain scenarios that could qualify for a refund. Below are situations specific to NMI's services where users might be eligible to request a refund:
Subscription Plan Changes: If you transition between subscription plans and notice discrepancies in billing related to the account upgrade or downgrade, you may be eligible for adjustments reflective of your new plan.
Service Downtime: In instances of extended service interruptions affecting your ability to process payments, users may qualify for a refund based on the duration of the inconvenience.
Billing Cycle Adjustments: Should you encounter a situation where the billing cycle for your services does not align with your expectations or stated terms, requests for clarifications or adjustments might be considered for eligibility.
Account Closure Volatility: If there are unforeseen circumstances surrounding your account closure that result in associated charges, users may be able to discuss these charges regarding refund eligibility.
Promotional Offers: Users taking advantage of promotional rates that do not reflect correctly after their initial billing period may inquire about adjustments to align with the promotional agreement.
It is advisable for users to refer to NMI’s official documentation or contact their support team for detailed guidance on specific circumstances surrounding their accounts and billing inquiries.
Step-by-Step Process to Request Your NMI Refund Like a Pro
Click on Email Us or Call Us depending on your preference.
If emailing, use the subject line Refund Request.
In your message, clearly state your account details and the specific transaction you want refunded.
Mention that the transaction was made in error or highlight that the service was not utilized after the billing date.
Submit your request and keep track of your email or call reference number.
If you purchased through Apple:
Open the Settings app on your iOS device.
Tap your Apple ID at the top, then select Subscriptions.
Find the NMI subscription you wish to refund.
Tap on it, then select Report a Problem.
Choose Request a Refund from the available options.
Select the reason for your refund, emphasizing that the service was not used as expected.
Submit your refund request.
If you purchased through Google Play:
Open the Google Play Store app.
Tap on the Profile Icon in the top right corner.
Select Payments & Subscriptions, then tap Subscriptions.
Locate the NMI subscription and select it.
Tap on Cancel Subscription (if necessary, to request a refund).
Once canceled, scroll down to find Request a Refund.
Provide a reason, mentioning that the subscription renewed unexpectedly.
Submit the request.
If you purchased through Roku:
Go to the Roku website and sign in to your account.
Navigate to the Manage Account section.
Find the NMI subscription under the Subscriptions list.
Select Billing Information for the corresponding subscription.
Click on Request Refund or Contact Support for assistance.
When prompted, state that the subscription was not utilized or that you wish to dispute the charge due to misleading information.
Follow through with any necessary steps to finalize the request.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
I am writing to address a billing situation regarding my account. [describe reason]
In light of this situation, I would like to request a refund in the amount of [Amount].
I have attached relevant documentation for your reference.
Please confirm receipt of this request and provide an update within the next 3-5 business days.
Thank you for your attention to this matter.
Best regards, [Your Name] [Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been submitted but not yet processed.
Your refund is in queue and will be evaluated shortly.
Processing
The refund is currently being processed by the NMI system.
Please allow up to 3-5 business days for the refund to complete.
Refunded
The refund has been successfully issued.
The funds should reflect in your account within 3-5 business days.
Partially Refunded
A portion of the original transaction has been refunded.
You will receive the refunded amount, and the remaining balance is still active.
Completed
The refund process is fully executed and finalized.
All transactions are settled, and you can check your account for the updated balance.
Cancelled
The refund request has been canceled.
No changes will be made; the original transaction remains as is.
Real User Scenarios: When and How Refunds Were Successfully Claimed
At NMI, users often navigate various scenarios that lead to successful refunds, demonstrating the platform's responsive support system. Below are a few realistic examples that highlight how users have effectively claimed refunds in different situations.
Subscription Adjustment: A user realizing that their business growth required a different service tier contacted NMI to change their subscription plan. After confirming the change, they were able to receive a refund for the unused portion of their previous plan, seamlessly transitioning to the new tier.
Accidental Billing Error: A merchant set up a promotional feature that inadvertently triggered an additional monthly charge. Upon reaching out to NMI's support team with a clear explanation, they quickly received a refund for the extra fee, allowing them to rectify their account without hassle.
Service Pause Request: A seasonal retailer needed to pause their NMI services during the off-peak months. After submitting a request for a temporary hold, the user noticed a billing charge and promptly contacted customer support. NMI efficiently processed a refund for that period of inactivity, ensuring the merchant could maintain their budget.
Shipping Fee Clarification: An online store using NMI for payment processing faced confusion regarding different shipping fees included in their account. After reaching out for clarification and confirming that a previous overcharge had occurred due to a system error, they successfully obtained a refund for the discrepancy, improving their overall account management experience.
The Easiest Way to Get a NMI Refund
If you're frustrated trying to get a refund from NMI—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Tracking your refund status with NMI is a straightforward process that helps you stay informed of the progress of your transactions. Here are some efficient ways to monitor your refunds:
Check Your Email: NMI sends automated email notifications whenever there is an update regarding your refund. Make sure to check your inbox for messages from NMI, which will provide detailed information about the status of your refund.
Access the Account Dashboard: Log into your NMI merchant account and navigate to the Transactions section. Here, you can find a comprehensive overview of all your transactions, including refunds. Look for the Status column to see the current state of your refund requests.
Utilize the Mobile App: If you have the NMI mobile app, you can easily check your refund status on the go. Navigate to the Transactions tab to view specific details about your refunds alongside other transaction data.
Review Order History: Within your account settings, visit the Order History section. This area provides a chronological list of transactions, including refunds, allowing you to track progress easily.
Billing Section Insights: In the Billing section of your NMI account, you’ll find detailed reports on any refunds processed. This section provides insights into when the refund was initiated and when it is expected to be completed.
FAQ
Refunds in cases where a cancellation wasn't made on time are generally subject to the merchant's refund policy. It's best to reach out directly to the merchant to discuss your situation, as they can provide specific guidance and options available to you. Being proactive and communicating with them can often lead to a satisfactory resolution.
Refunds processed through NMI typically take 3 to 7 business days to appear in your account, depending on your bank's processing times. Once the refund is initiated by the merchant, you will receive a confirmation for your records. Please allow some additional time for the funds to reflect on your statement.
If you see a charge but do not have an active subscription, please start by reviewing your past transactions for any subscription or trial memberships you may not recall. If you still believe the charge is incorrect, contact NMI's customer support using the information provided on their website for assistance in resolving the issue.
If you're unable to secure a refund directly from NMI, consider reaching out to their customer service again for further clarification or assistance. You can also explore the option of escalating your inquiry within their support system for additional support. Additionally, reviewing your account details or any relevant agreements may provide further context on the process.
If NMI refuses to issue a refund, it’s advisable to carefully review their refund policy to ensure all criteria are met for a refund request. You can also reach out to their customer support for further clarification on your case or inquire about any additional steps you might need to take. Additionally, ensure all account details are accurate and up to date to facilitate any potential resolutions.
Chargeback and the Chargeback trademarks used herein are trademarks or registered trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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