NMI
Schaumburg, Illinois, United States
What it is
NMI provides an embedded payments platform for accepting and managing payments online, in stores, on mobile devices, and through self-service channels. Its gateway supports recurring billing, batch processing, webhooks, QR code payment links, transaction routing, and a virtual terminal. Checkout options include a customizable Payment Component, hosted payment pages, and a REST API for custom experiences. The Payment Component tokenizes payment details in the browser so sensitive data does not pass through the integrator’s servers. Payment methods include major card brands, Apple Pay, Google Pay, EMV, and contactless payments. Currency availability beyond USD and CAD depends on the processor. NMI serves ISOs, software companies, and payment facilitators; merchants typically work with a certified reseller or ISO that configures the gateway and manages the account. Partners can brand the gateway and portals, and Merchant Central combines CRM and underwriting tools for merchant onboarding and lifecycle management. Developer resources include APIs, hosted pages, and SDKs for iOS, Android, Windows, and Linux. Pricing is available on request.
For and against
For
- Supports recurring billing, webhooks, and transaction routing
- Offers hosted pages, a Payment Component, and REST API
- Payment Component tokenizes details in the browser
- Includes SDKs for iOS, Android, Windows, and Linux
Against
- Pricing is available on request
- Merchants generally work through a certified reseller or ISO
- Currency availability beyond USD and CAD depends on the processor
The verdict
NMI combines payment acceptance, checkout tools, and developer resources for partners serving multiple channels. Prospective users should account for its partner-based merchant access and processor-dependent currency availability.
Who it suits
NMI is aimed at ISOs, software companies, and payment facilitators building or managing payment experiences. Merchants generally need to work through a certified reseller or ISO partner.
On the record
- Accounting integrations
- Bill Connect integrates payment acceptance with accounting software including QuickBooks and Xero.nmi.com · read 4 Oct 2026
- Checkout options
- NMI offers a customizable Payment Component, hosted payment pages, and a REST API for custom checkout experiences.docs.nmi.com · read 4 Oct 2026
- Company history
- NMI says its payment gateway has been a cornerstone of its payments offering since 2001.nmi.com · read 4 Oct 2026
- Developer platforms
- NMI publishes payment device SDKs for Windows and Linux, mobile SDKs for iOS and Android, and web-based APIs.nmi.com · read 4 Oct 2026
- Developer tools
- NMI offers a payment API, hosted payment pages, SDKs for iOS, Android, Windows, and Linux, and a browser-based customer-present solution that runs on any operating system.nmi.com · read 4 Oct 2026
- Integrations
- NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors.nmi.com · read 4 Oct 2026
- Merchant access
- NMI says merchants generally work with a certified reseller or ISO that configures the gateway and handles the account.nmi.com · read 4 Oct 2026
- Merchant tools
- Merchant Central combines CRM and underwriting tools to help partners manage merchant onboarding and lifecycle.nmi.com · read 4 Oct 2026
- Payment features
- The gateway supports recurring billing, batch processing, webhooks, QR code payment links, transaction routing, and a virtual terminal.nmi.com · read 4 Oct 2026
- Payment methods
- The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API.docs.nmi.com · read 4 Oct 2026
- Payments
- The gateway supports online, in-store, self-service, and mobile payments, including EMV and contactless payments.nmi.com · read 4 Oct 2026
- PCI compliance
- NMI says it has maintained PCI DSS Level 1 certification since 2005 and is audited annually by independent security assessors.nmi.com · read 4 Oct 2026
- PCI scope limit
- NMI says merchants using its Payment API should have passed a PCI vulnerability scan before using that integration method.nmi.com · read 4 Oct 2026
- Pricing
- NMI directs pricing inquiries to its sales team; the pages reviewed do not state a standard public price.support.nmi.com · read 4 Oct 2026
- Pricing model
- NMI describes partner gateway pricing in terms of a buy rate and partner-defined merchant fees, and says applicable fees are set out in a proposal or fee schedule.nmi.com · read 4 Oct 2026
- Security
- NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments.nmi.com · read 4 Oct 2026
- Security features
- Gateway security options include point-to-point encryption, remote key injection, and remote terminal management.nmi.com · read 4 Oct 2026
- Support
- NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team.support.nmi.com · read 4 Oct 2026
