NMI (Network Merchants Inc)
Payment Gateway
TL;DR
NMI primarily provides a white-label, embedded payments enablement platform (payment gateway) used by ISOs, software vendors (ISVs), and payment facilitators. Their product portfolio includes NMI Payments (gateway), merchant relationship management and onboarding tools, device SDKs and EMV/terminal integrations, fraud prevention extensions, digital wallet support (Apple Pay / Google Pay), Level II/III processing, ACH/eCheck support, tokenization, and hosted checkout options. The platform emphasizes developer SDKs (iOS, Android, Windows, Linux), APIs, a sandbox, and pre-certified processor/device integrations so partners can embed payments into apps and services. NMI +1 Strengths include a wide integration surface (many shopping cart and POS integrations), strong developer resources (API docs, SDKs, sandbox), robust tokenization and security features (PCI/DSS posture), and scale for large partners—NMI claims large transaction volumes and many channel partners. Weaknesses are primarily around merchant-facing pricing and support variability: because NMI often sells through partners and acquirers, merchant fees and onboarding terms are brokered by resellers—this can create inconsistent pricing transparency and uneven support experiences at the merchant level. Public complaint threads (BBB, Trustpilot) typically relate to billing, dispute handling, or partner relationships rather than the core gateway technology itself.
About
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.
Products & Services
GATEWAY
White Label Payment Gateway
Custom pricing based on volume and features
Customizable payment gateway solution that can be branded and resold by partners.
Key Features
- API integration
- Virtual terminal
- Recurring billing
- Fraud prevention
- Multi-currency support
PAYMENT PROCESSING
Payment Enablement Platform
Contact for pricing
Full-stack payment processing platform with multiple integration options.
Key Features
- EMV payment processing
- Mobile payments
- E-commerce integration
- Tokenization
- Level 3 processing
Pricing
White Label Payment Gateway
GATEWAY
Custom pricing based on volume and features
Payment Enablement Platform
PAYMENT PROCESSING
Contact for pricing
Platform Ratings
bbb
2 reviews
Reviewer Notes
Not a BBB accredited business.
trustpilot
13 reviews
Reviewer Notes
Reviews include negative reports about customer service.
g2
193 reviews
Reviewer Notes
Users praise security and integration capabilities.
Pricing Details
NMI generally does not publish a single, standard merchant processing rate because the gateway is sold through ISOs, processors and platform partners who set the merchant’s final fees. Here are approximate prices we can glean:
Processing Rates
Online
Not publicly disclosed - varies by processor/ISO
In-Person
Not publicly disclosed - varies by processor/ISO
Keyed
Not publicly disclosed - varies by processor/ISO
International
Not publicly disclosed - varies by processor/ISO
Fees
Monthly
Not publicly disclosed
Setup
Not publicly disclosed
PCI
Not specifically disclosed
Statement
Not publicly disclosed
Chargeback
Not publicly disclosed
Early Termination
Not publicly disclosed - would depend on the contract with the specific ISO or reseller
Payouts
Standard Time
commonly 1–2 business days for standard ACH/card settlements
Expedited Time
May be available but depend on the acquirer/processor partner and pricing
Minimum Amount
Determined by the acquiring bank/reseller agreement
Developer Tools
API Documentation
https://docs.nmi.com/
SDKs
- ios
- android
- windows
- linux
- node.js
Webhooks
Supported
Testing Environment
Available
Security & Compliance
PCI Compliance
PCI Level 1 certified (highest level)
Data Encryption
End-to-end encryption
Fraud Prevention
iSpyFraud / Kount AI-powered fraud prevention / AVS / CVV / 3D Secure authentication
Tokenization
Supported
Accepted Payment Types
Credit Cards
- Visa
- MasterCard
- Discover
- American Express
- Diner's Club
- UnionPay
- JCB
Digital Wallets
- Google Pay
- Apple Pay
- PayPal (Some third-party integrations may have limitations on digital wallet support.)
Bank Transfers
- ACH
- eCheck
Alternative Methods
- Debit Cards
Integrations
E-commerce
- Shopify
- Wordpress/WooCommerce
- Magento
- BigCommerce
- OpenCart
- Shift4Shop
- Volusion
- osCommerce
- Drupal
- Joomla
Accounting
- QuickBooks
- Xero
- Accounting Suite
CRM
- Salesforce
- Zoho CRM
- Infusionsoft/Keap
- Limelight CRM
- HubSpot
- Forth CRM
Other
- Chargebee
- HighLevel
- Bookeo
- WHMCS
Special Features
Subscription Management
Supported
Invoicing
Supported
Virtual Terminal
Supported
Recurring Billing
Supported
Multi-Currency
Supported
Top Competitors
Competitor 1
No comparison available
Support & Contact
Support Types
phoneemailkb