Issue summary:
The client’s eCommerce site had disabled credit card transactions, displaying the placeholder message: “Credit Card solution is being updated, will be back soon.” While alternative payment methods such as ACH (e-check) remained active, customers could no longer complete credit card purchases. The Freshy development team identified the inactive Quantum / NMI gateway integration as the cause and successfully restored payment processing by reactivating the NMI connection within WooCommerce and updating related snippets.
Issue background
The website was previously configured to process payments through Quantum Electronic Payments, which operates on the NMI (Network Merchants Inc.) gateway platform. At some point, this integration became inactive, causing WooCommerce to disable credit card checkout.
The checkout page displayed:
“Credit Card solution is being updated, will be back soon.”
The site still offered the following payment options:
- Traditional ACH (e-check)
- Pay with US Bank Account
However, the client requested that credit card payments via Quantum be restored immediately.
Diagnosis
The Freshy development team reviewed the WordPress and WooCommerce configuration to determine why the credit card option was disabled.
Key findings included:
- Quantum/NMI Gateway: The payment processor had been disconnected. The credentials were still valid but no longer linked through the WooCommerce payment plugin.
- WooCommerce Payment Gateway Behavior: When the NMI gateway is inactive, WooCommerce automatically hides credit card fields and displays the placeholder message.
- Missing Snippet Parameter: A custom code snippet controlling credit card fees did not recognize the
nmigateway name, which prevented the option from reappearing after reactivation. - Hardcoded Placeholder: The message “Credit Card solution is being updated…” was being injected from an unknown template or plugin, making it difficult to remove through normal settings.
Resolution steps
- Reactivated NMI gateway in WooCommerce: Verified Quantum (NMI) API credentials in the WooCommerce payment settings and tested gateway connection using the Quantum merchant portal to confirm authentication.
- Updated the fee management snippet: Located and modified the custom code snippet responsible for adding credit card fees. Added
nmito the conditional array that determines which payment gateways apply credit card fees. Saved and reactivated the snippet. - Removed the outdated placeholder message: Searched the theme and plugins for the source of the “Credit Card solution is being updated…” message. When no template source could be found, implemented a CSS rule to hide the message safely without modifying plugin files.
- Validated the restored checkout process: Ran test transactions using valid Quantum test credentials. Confirmed that both credit card and ACH transactions processed successfully and verified that the “Credit Card” option now appears alongside the ACH options.
Final outcome
After re-enabling the NMI gateway and adjusting the custom fee snippet, Quantum credit card payments were successfully restored on the WooCommerce checkout page.
Results:
- The “Credit Card solution is being updated” message no longer appears.
- Credit card checkout through Quantum (via NMI) now functions normally.
- ACH and US Bank payment options remain available.
- The site’s payment flow was fully restored without requiring plugin reinstallation.
The client confirmed that transactions were processing correctly and no further action was needed.
Key takeaways
- NMI gateway integration powers many white-labeled payment systems, including Quantum; re-enabling the NMI API usually restores Quantum connections.
- Custom WooCommerce snippets that reference specific gateway IDs (like
nmi) must be kept updated after plugin changes. - When placeholder messages appear and cannot be traced, temporary CSS removal provides a safe non-destructive fix.
- Always test both card and ACH payments after making gateway adjustments to ensure complete checkout functionality.
If your WooCommerce site loses access to its credit card payment gateway or needs payment integration troubleshooting, contact the Freshy team for professional eCommerce diagnostics and gateway restoration support.
