$502B+
Processed Annually
6.5B+
Transactions Per Year
6,000+
Active Partners
1.2M+
Live Merchants
235K+
Devices Connected
150+
Processor Integrations
Modularity. Flexibility. Choice.
Your Fully Integrated
Payments Ecosystem
Drive new revenue streams and unprecedented payments opportunities for yourself, your partners and the customers they serve. With our flexible, modular approach to providing a completely integrated set of embedded payment solutions, we meet you wherever you are.
NMI
Payments
Easily integrate and begin accepting payments with our comprehensive, all-in-one payments solution that helps you find, qualify, acquire and onboard merchants—all while sharing in the net payment revenue.
Explore NMI gateway features
Merchant Relationship
Management
Manage the full life cycle of your merchants more efficiently and get the insights you need. With our combined CRM and underwriting tools, it’s easier than ever to underwrite, forecast and onboard merchants in minutes.
Explore NMI gateway features
Payment
Gateway
Accept payments securely with the NMI payment gateway — feature-rich, white label payment gateway solution that empowers organizations of all sizes to grow by delivering payment capabilities anywhere your customers want to pay.
Explore NMI gateway featuresWhy NMI
Solid and
Scalable
Payments
Solutions
NMI processes $502B+ in annual transaction volume across 6,000+ channel partners and 1.2M+ active merchants.
We’re simplifying the complexities of payments and operating at the speed of business to deliver what no other competitor can—a solid-yet-flexible payments platform that best serves your customers as they scale.
New Revenue Streams
Create the ability to make more money for yourself by accepting different payment methods. Monetization through differentiation means more ways to get paid.
New-to-Payments Support
Provide your customers with an exceptional payments experience that’s easy to navigate. Our intuitive, user-friendly solutions ensure a successful implementation for all.
Flexibility via Modularity
Let our payments solutions meet you wherever you are to enhance your organization and technology, as well as create stickiness with the merchants and customers you serve.
Payments as a Strategy
Treat your payments as more than just simple, transactional services. With us as your strategic partner, they won’t operate as discrete parts, but as an interconnected whole.
Speed & Scale
Get to market faster with the NMI payment gateway—and continue to grow—without ever having to rip-and-replace your payments technology. It’s the best of both worlds, without sacrificing either.
Who We Serve
Delivering
Payments
Support You
Need
As payments technology has evolved, so have merchant demands. Consequently, our partners expect more, and we’ve not only stayed ahead of the curve, but we’re ready to usher in a new reality run by a world of embedded finance for ISOs and software vendors.
Independent Sales Organizations
We built our omnichannel payments platform to help ISOs like yours drive value and maximize revenue. Get full flexibility and total control to run your organization—and serve your customers—in exactly the ways you want.
See Payment Solutions
Software Vendors
You build with your clients in mind, and so do we. Our modular, feature-rich embedded payments platform helps you build innovative software solutions that earn more, monetize payments better and retain customers longer.
See Payment Solutions
Proven Performance in Embedded Payments
Success Spotlight
Get to Know NMI
Empowering
the Future
of Fintech
We’re a leading global NMI payment gateway and embedded payments enablement platform that has powered smooth payments experiences for over 20 years.
235K+
Connected Devices
1.2+
Million Active Merchants
150+
Processor Connections
300+
EMV Device Certifications
6,000
Channel Partners
$502+
Billion Annual Payments Volume
Your Catalyst for Growth in Payments
Resources & Insights
blog
Better SaaS Payments with Recurring Apple Pay and Google Pay Subscriptions
case-studies
Powering Global Growth: How IPS Scaled Merchant Services With the NMI Gateway
webinars
The No-Hardware Advantage: Tap to Pay for Modern Commerce
podcasts
The Signal: Lending as a Platform Feature with NMI & Parafin
blog
Better SaaS Payments with Recurring Apple Pay and Google Pay Subscriptions
Read More
case-studies
Powering Global Growth: How IPS Scaled Merchant Services With the NMI Gateway
Read More
webinars
The No-Hardware Advantage: Tap to Pay for Modern Commerce
Read More
podcasts
The Signal: Lending as a Platform Feature with NMI & Parafin
Read More
Overview & Key Features
NMI (Network Merchants Inc.) is a white-label payment gateway processing $502B+ annually for 6,000+ channel partners. The platform powers transaction routing for ISOs, software companies, banks, and payment facilitators. After NMI acquired USAePay in 2021, the combined ecosystem serves 1.2M+ active merchants across 150+ processor integrations.
- Virtual Terminal: Manually enter card-not-present transactions through merchantcentral.nmi.com for phone, mail, or in-person orders without a physical terminal.
- Recurring Billing & Subscriptions: Built-in subscription management with customer vault tokenization — common SaaS use case for monthly recurring charges.
- Fraud Defense Suite: AVS and CVV verification, tokenization, velocity rules, and iSpyFraud machine-learning fraud detection reduce chargeback rates.
- White-Label Branding: ISOs and SaaS platforms re-brand the gateway under their own name and domain — merchants never see the NMI brand.
- Multi-Merchant Management: Single gateway supports thousands of merchant IDs (MIDs) under one ISO portfolio. ScanX underwriting boards new merchants in minutes.
- Integration Options: REST APIs, SDKs for iOS/Android, Collect.js client-side tokenizer, hosted checkout pages, and pre-built shopping-cart plugins (WooCommerce, Shopify, Magento).
- Global Coverage: 100+ currencies, international acquirer connections, and multi-region processing for cross-border ecommerce merchants.
- Analytics & Reporting: Real-time transaction reporting, deposit reconciliation, residual statements, and portfolio analytics for ISO partners.
NMI Payment Gateway — Frequently Asked Questions
Common questions about the NMI payment gateway platform.
What is the NMI payment gateway?+
The NMI payment gateway is a white-label processing platform built for ISOs, SaaS platforms, banks, and payment facilitators. It moves $502B+ in transactions a year across ecommerce, in-person, mobile, and unattended channels — fully brandable under your own company name.
How do I log into the NMI payment gateway?+
There are two main portals. The NMI gateway login handles transaction management and configuration. The NMI merchant login (Merchant Central) is the portfolio CRM ISOs use to manage their merchant book. USAePay customers sign in through the USAePay login portal.
Does NMI offer a white label payment gateway?+
Yes. NMI's white label payment gateway lets ISOs, SaaS companies, and banks rebrand the entire platform as their own. Merchants see your name and domain — NMI runs the infrastructure, processor certifications, and compliance underneath.
How many processors does NMI connect to?+
The NMI payment gateway connects to 200+ payment processors and acquiring banks worldwide. NMI partners can offer merchants any of these processing routes without writing the integrations themselves — the connectors are already built and maintained.
Is NMI the same as USAePay?+
USAePay is a payment gateway brand acquired by NMI and now operates as part of the broader NMI ecosystem. USAePay merchants keep using the USAePay login portal as before, while NMI runs infrastructure and support for both platforms.