Compare NMI Gateway vs. NMI Payments

NMI Gateway is a purpose-built, partner-first payments platform that delivers white-label, omnichannel infrastructure across every merchant environment. Designed forISOs, banks, financial institutions, ISVs, software companies and SaaS platforms, it enables secure, scalable, and customizable payment acceptance. NMI does not sell to merchants—we powers 4,000+ partners serving over 1 million businesses worldwide. Unlike gateways tied to a single processor, NMI gives partners full control over branding, pricing, and merchant relationships. With 150+ processor connections, 125+ shopping cart integrations, and support for 235,000+ connected payment devices, it provides unmatched flexibility across retail, in-app, mobile, e-commerce, and unattended environments. Developers can integrate through robust APIs and SDKs, building custom routing strategies, dynamic payment flows, and multi-MID configurations without vendor lock-in. Value-added tools like Shopify integration for embedded commerce and Bill Connect for syncing with accounting platforms such as QuickBooks and Xero extend functionality. Additional module including network tokenization, recurring billing, and fraud prevention, helping partners reduce churn, boost approval rates, and enhance payment security. Processing over 5.8 billion transactions annually and powering $440+ billion in payment volume, NMI Gateway transforms payments from a backend utility into a customizable, revenue-generating platform that empowers partners to build differentiated, long-term merchant relationships.

NMI Payments gives developers, SaaS builders, ISVs and ISOs a simple path to embedded payments. As a full-stack processor, acquirer, and technology partner, NMI enables you to integrate, brand, and manage payment acceptance within your platform—without becoming a PayFac or building complex infrastructure. The platform combines flexibility, scalability, and speed, offering white-labeled payments infrastructure that keeps your brand front and center. With omnichannel support for in-store, online, in-app, and unattended payments, you can deliver a consistent merchant experience across every touchpoint. NMI also manages onboarding, compliance, and risk, freeing your team to focus on innovation and customer growth. Developer-First Experience NMI’s developer-first environment puts full control in your hands. Build, test, and launch payments in a modern sandbox with clear documentation and ready-to-use code snippets. Guided onboarding flows and API recipes simplify integration, while low-code and no-code tools accelerate deployment. Business users can evaluate monetization options with instant revenue calculators and self-service sign-up. Whether you’re embedding payments for the first time or scaling across channels, NMI helps you go live faster, stay compliant, and grow with confidence