NMI Payments
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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- Retail and wholesale
- Accommodation and food services
- Agriculture, fishing, and forestry
What is NMI Payments
NMI Payments is a payment gateway and processing enablement platform that helps businesses and payment providers accept card-present and card-not-present transactions. It is used by ISOs, acquirers, payment facilitators, and software platforms that need to connect to multiple processors and offer a branded payments experience. The product focuses on gateway services, tokenization/vaulting, recurring billing, and integrations with payment terminals and e-commerce systems. It is typically deployed as an infrastructure component rather than an all-in-one business management suite.
Gateway with broad integrations
NMI supports integrations across multiple processors and payment methods, which helps payment providers and software platforms reduce dependency on a single acquiring relationship. It offers APIs and pre-built connectors that can shorten time to integrate compared with building a gateway layer in-house. This is useful for businesses that need flexibility across regions, processors, or vertical-specific acquiring setups.
Supports omnichannel acceptance
NMI supports both card-not-present and card-present flows, including integrations with payment terminals for in-person acceptance. This enables merchants and platforms to run online payments, invoicing/recurring payments, and in-store transactions through a common gateway layer. It fits use cases where a single customer relationship spans web, mobile, and physical locations.
Tokenization and recurring billing
NMI provides customer vault/tokenization capabilities to store payment credentials in a gateway-managed manner for repeat use. It also supports recurring billing and subscription-style payment flows that many service businesses and SaaS platforms require. These capabilities reduce the need for separate vaulting or subscription billing components when the primary requirement is payments execution.
Not an all-in-one suite
NMI is primarily a payments infrastructure product rather than a full business operations platform. Organizations looking for tightly integrated CRM, scheduling, marketing, or broader commerce tooling may need additional systems. This can increase overall implementation and vendor management effort compared with suite-style products.
Implementation can be technical
While NMI offers integrations, many deployments still require API work, payment flow design, and coordination with processors and terminal providers. ISOs and platforms may need engineering resources to handle onboarding, token migration, and edge cases like partial captures, refunds, and chargebacks. Smaller merchants without technical support may rely on a reseller or integrated software partner to use it effectively.
Feature depth varies by partner
Some capabilities depend on the acquiring processor, terminal model, and the specific integration path used. As a result, reporting, dispute workflows, and alternative payment method coverage can vary across implementations. Buyers often need to validate required features end-to-end in their target processing setup rather than assuming uniform behavior.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| NMI Payments (core gateway) | Custom / Contact sales | NMI does not publish standard public pricing for its gateway; pricing is typically negotiated via partners/ISOs and may include monthly gateway fees and per-transaction fees (see Billing & Merchant onboarding). Official site directs prospective customers to contact sales. |
| Value-Added Services (VAS) | Varies / Contact sales or configurable | VAS (fraud tools, token vault, invoicing, etc.) are priced separately and may be enabled/monetized by partners; some VAS support 30-day free trials. |
| Data export (example, official support article) | $0.50 per record OR $500.00 minimum | Official Data Import/Export page lists this explicit export fee for Customer Vault records and/or Recurring Subscription data. |
| iProcess mobile application (gateway extension) | Free to download (usage fees may apply) | NMI states the iProcess mobile app is free to download; usage or per-transaction fees may still apply depending on configuration. |
Seller details
Network Merchants, LLC
Vernon Hills, Illinois, United States
2001
Private
https://www.nmi.com/
https://x.com/nmi_gateway
https://www.linkedin.com/company/network-merchants-inc
