Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Authorize.net
Payment Processor · 4.2/5 mean
Authorize.Net is a mature, Visa-owned payment gateway that offers robust, developer-friendly payment tools, strong fraud controls, and wide platform integrations. Pricing and merchant-account terms that vary depending on whether you use Authorize.Net’s all-in-one plan or attach your own processor.
Read the full review →NMI (Network Merchants Inc)
Payment Gateway · 3.5/5 mean
NMI (Network Merchants, Inc.) is a mature, ISO/ISV-focused embedded-payments gateway and enablement platform with broad developer tooling and enterprise integrations, but merchant experiences can vary depending on the partner/acquirer relationship.
Read the full review →Authorize.net holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked September 2, 2026 and August 19, 2026.
| Criterion | Authorize.net | NMI (Network Merchants Inc) |
|---|---|---|
| Pricing transparency | 3.0wins this criterion | 2.0 |
| Feature set | 5.0 | 5.0 |
| Ease of use | 4.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Authorize.net | NMI (Network Merchants Inc) |
|---|---|---|
| Online rate | Not disclosed | Not publicly disclosed - varies by processor/ISO |
| Monthly fee | $25 a month gateway fee | Not disclosed |
| Payout | 1-2 business days after settlement for most merchants (Authorize.net advises allowing 2-3; the acquirer sets the schedule) | Commonly 1-2 business days for standard ACH/card settlements (set by the acquirer, not NMI) |
| Contract | commonly month-to-month for the gateway fee. Merchant-account contracts vary by reseller/ISO and can have multi-month commitments. | Not disclosed |
| In-person rate | Not disclosed | Not publicly disclosed - varies by processor/ISO |
| Keyed rate |
From the Authorize.net review
NMI is built for ISOs, ISVs, and SaaS platforms that need white-label payment infrastructure, with 150+ processor connections that let partners switch acquirers without rebuilding an integration. Authorize.net remains the stronger choice for merchants who want a direct gateway relationship with published month-to-month plans rather than reseller-negotiated terms.
Pick NMI (Network Merchants Inc) if you are an ISO, ISV, or SaaS platform embedding white-label payments
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| Customer support | 4.0wins this criterion | 3.0 |
|---|
| Contract terms | 4.0wins this criterion | 3.0 |
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| Industry reputation | 5.0wins this criterion | 4.0 |
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| Not publicly disclosed - varies by processor/ISO |
| International rate | Not disclosed | Not publicly disclosed - varies by processor/ISO |
|---|
| PCI fee | Not listed publicly. Some resellers/processors charge separate PCI compliance fees. | Not specifically disclosed |
|---|
| Statement fee | Depends on reseller/merchant account | Not disclosed |
|---|
| Chargeback fee | Not listed publicly. | Not disclosed |
|---|
| Early termination | Depends on the merchant account / reseller contract (gateway itself often month-to-month; merchant-account contracts vary) | Not publicly disclosed - would depend on the contract with the specific ISO or reseller |
|---|
| Last fact-checked | September 2, 2026 | August 19, 2026 |
|---|