Flexible Payment Gateway for SaaS — Modular & Scalable
NMI payment gateway for SaaS — embed payments into your software, monetize transactions, and scale with 200+ processor integrations. White-label ready.
Everything You Need to
Power SaaS Payment Processing
Unlock New Revenue Streams with Embedded Payment Solutions
As a SaaS provider, you can monetize payments and generate more revenue—all with your choice of no-code, low-code or API integrations.
Own the Payment Experience with White-Labeled Solutions
Maintain full control over your brand with NMI’s white-labeled payment solution—keeping your logo, application, and user experience front and center.
Get smooth, Secure Integration for Any Payment Solution
NMI offers APIs, SDKs, and low-code/no-code integrations, enabling payments for cards, wallets, banks, and more across any channel—online, in-app, or in-store.
Simplify Client Onboarding with Fast, Secure Solutions
Enable your customers to start accepting payments in minutes. NMI’s solution streamlines underwriting, onboarding, and processing for a faster start.
Transform your user experience with embedded payments that keep your brand front and center. Equip your users with competitive, scalable solutions that drive loyalty and revenue growth.
Talk to Our TeamSaaS Payments for
SaaS Platforms
Solving the Complexities
of Payments for SaaS
NMI’s complete payment solution enables software companies to be more competitive, enabling faster payments and making integration easier for your customers.
Streamline Integration with NMI’s Modular Payments Platform
Our modular payments acceptance platform smooth embeds within your tech stack, delivering a modular-yet-integrated solution that expedites and streamlines payments.
The Perks of an All-in-One Payment Gateway for SaaS
Grow Your Business with a
Proven, Secure Payment Solution
Our next-generation payment acceptance platform uses state-of-the-art technology that equips your customers to transact securely, easily, and reliably.
Unlock Growth Opportunities and
Deliver a Competitive Advantage
With more than 20 years of payments innovation, NMI helps software companies to stand out in a competitive market, so you can offer exceptional payment experiences that drive customer loyalty and grow your business.
Deliver Frictionless, Reliable
Payment Experiences
Your customers can enjoy smooth payment experiences wherever and however they want – online, in-app, mobile or in-store. NMI ensures a fast, consistent, and dependable experience that fits the way your users transact.
tap into of
SaaS Payment Processing
Accept Payments Anywhere
Provide payment capabilities anywhere your clients’ end-customers want to pay—online, in-store, in-app, self-service and digital wallets.
Dip, Tap, & Swipe
It doesn’t matter if consumers want to dip, tap, swipe, store, bump or pay by bank—with NMI, they’re covered.
Retain Greater Control
Since everything is integrated with your application, you’ll always remain in control of your whole brand experience and pricing model.
Improve the User Experience
Let customers complete transactions without leaving your software application. NMI’s embedded payment technology creates a unified, frictionless experience that strengthens engagement and enhances the overall user journey
Keep Your Brand in the Spotlight
Put your brand and software center stage by using your brand with our white-label embedded payment solution.
Deliver Safe, Secure Payments
Keep your clients and their customers safe with secure, PCI-compliant solutions and advanced payment fraud detection and prevention.
Reduce Churn
Increase customer retention by embedding payments directly into your SaaS platform. When payments become part of the experience, users are less likely to switch providers and more likely to stay long-term.
Speed Up Payouts
Give your customers faster access to funds with real-time visibility into transactions. NMI’s platform simplifies settlement and ensures payouts happen quickly, keeping cash flow consistent and predictable.
Boost Revenue
SaaS companies can unlock new revenue streams by earning a share of each transaction. NMI’s payment platform turns embedded payments into a long-term growth driver for your software business.
Resources & Insights
NMI Payment Solutions
Why SaaS Platforms Need a Flexible Payment Gateway
SaaS companies move money in patterns most direct-merchant payment gateways don't handle well: subscriptions with trials and prorations, usage-based billing, marketplace splits, multi-currency for global customers, white-label payment screens that look like the SaaS brand not the payment processor.
NMI is built for this. The platform was designed for ISO and SaaS partners from the start — wholesale economics, white-label branding, deep recurring billing, and processor flexibility across geographies. SaaS platforms embedding NMI keep margin (vs paying Stripe's flat 2.9% + Billing markup) and control branding (vs co-branded Stripe Connect).
NMI Features for SaaS — Subscriptions, Usage-Based, Customer Vault
Native Recurring Billing: trial periods, prorations, sign-up fees, custom billing cycles, dunning with configurable retry logic. Details on NMI Recurring Billing.
Customer Vault: PCI-compliant tokenization of payment methods. Customers don't re-enter cards; SaaS apps reference vault tokens. Cards survive expiration via Card Account Updater service.
Usage-Based Billing: SaaS app calculates the variable monthly charge based on usage; submits one-time charge per cycle via API. Vaulted customers make this straightforward.
Webhooks for sync: subscription.created, charged, failed, cancelled, updated — all fire to SaaS endpoints with HMAC-signed payloads.
White-label everything: hosted checkout pages, transaction receipts, vault management UI — all configurable to display SaaS brand.
NMI vs Stripe for SaaS
| For SaaS use case | NMI | Stripe |
|---|---|---|
| Pricing model | Wholesale (you set merchant price) | 2.9% + $0.30 + 0.5-0.8% Billing |
| Revenue share | Built-in via reseller program | Connect platform program |
| White-label | Full native | Custom Connect (more engineering) |
| Processor choice | 150+ for merchant flexibility | Stripe-only |
| Subscription billing | Native, included | Stripe Billing (extra cost) |
| High-risk verticals | Via specialty processors | Limited (declines many) |
| Developer experience | Good (REST + SDKs) | Industry-leading |
Full comparison: NMI vs Stripe.
How NMI Handles Failed-Payment Recovery for SaaS
Subscription churn from failed payments (involuntary churn) is the silent killer of SaaS revenue. 5-10% of monthly recurring charges fail by default — expired cards, fraud holds, insufficient funds — and naive systems just cancel the subscription.
NMI dunning runs automatic retries with smart timing: retry on day 3, day 5, day 7. Avoid weekends and holidays. Retry after typical payday dates. Combined with Card Account Updater (which auto-refreshes expired cards from issuing banks), NMI typically recovers 15-30% of failed payments that would otherwise become churn.
Dunning emails to customers are optional and brand-configurable. SaaS platforms can build their own retry UI or use NMI's hosted card update page — both work via webhook events.
SaaS Integration Walkthrough
- Partner with NMI — set up NMI Payments partner agreement with revenue-share terms.
- Integrate API — choose: REST API for full control, Collect.js for client-side tokenization (reduces PCI scope), or hosted checkout for fastest integration.
- White-label branding — upload your logo, set custom domain (vault.yoursaas.com), configure email sender.
- Build subscription flow — customer enters card, Collect.js tokenizes, store vault token in your DB, create subscription via API, NMI handles recurring charges.
- Listen to webhooks — implement endpoints for subscription events (created, charged, failed, cancelled). Update user access based on subscription state.
- Test in sandbox — full sandbox environment for testing all flows including failed payments and dunning.
- Go live + onboard sub-merchants — for PayFac model, onboard your customers as sub-merchants under your master MID using ScanX automated underwriting.
Typical integration time: 1-3 weeks for hosted checkout, 4-6 weeks for full Collect.js+API integration with custom subscription UI.
SaaS Payments FAQ
How do SaaS platforms embed NMI?
REST API, Collect.js client tokenizer, or hosted checkout. The gateway can be branded under the SaaS company name (white-label) or co-branded with NMI.
What revenue share do SaaS platforms get with NMI?
NMI Payments includes revenue-share where SaaS platforms earn a percentage of processing margin on their merchants. Specific rates are negotiated per partner agreement.
Does NMI support PayFac (payment facilitator) model?
Yes — both ISO and PayFac models are supported. PayFac lets SaaS platforms onboard sub-merchants under their own master MID, simplifying merchant boarding.
Can SaaS platforms use NMI for usage-based billing?
Yes — your app calculates the variable charge per cycle and submits a one-time charge via API to the vaulted customer. Native plans are flat-rate; usage-based is implemented at your app layer.
Is NMI cheaper than Stripe Billing for SaaS?
For high-volume SaaS ($25K+ monthly processing), NMI's wholesale interchange-plus pricing is typically meaningfully cheaper than Stripe's 2.9% + $0.30 + Stripe Billing markup. For low-volume SaaS, Stripe's flat rate may be simpler and competitive.