NMI
NMI: A multi-channel gateway for businesses that need processor choice and embedded payment tools. Ranked #8 of 66 in Payment Gateways by our editors (8.6/10); pricing: Pricing on request; best for omnichannel and multi-processor businesses.
At a glance
- Editor score8.6 / 10
- PricingPricing on request
- Best forOmnichannel and multi-processor businesses
- Payment methodsVisa, Mastercard, Discover, American Express, Diners Club, China UnionPay, JCB, Apple Pay, Google Pay, ACH and bank transfers
- Founded2001 · Schaumburg, Illinois, United States
- Facts checked19 Sep 2026
Where it wins
- Accepts payments online, in-store, on mobile, and in unattended settings
- Connects with 200+ payment processors and 125+ shopping carts
- Includes tokenization, customer vaults, and recurring billing
Where it doesn't
- Pricing is handled through partners, account teams, and fee schedules
- Its broad feature set may be more than a single-channel merchant needs
- Implementation involves choosing among APIs, SDKs, hosted tools, and integrations
Our verdict on NMI
NMI provides white-label gateway and embedded payments infrastructure for independent sales organizations, software companies, payment facilitators, banks, and other payment providers. It supports online, in-store, mobile, self-service, and unattended acceptance, alongside merchant onboarding, transaction processing, reporting, and device management. That breadth makes it a fit for businesses building payment capabilities across channels or serving multiple merchants, rather than a narrow checkout tool for one storefront.
Processor and platform reach are central to NMI's proposition. The platform integrates with 200+ payment processors and 125+ shopping carts, including Shopify, and offers hosted payment pages, hosted checkout, REST and classic payment APIs, and SDKs for iOS, Android, Windows, and Linux. Payment options include major card networks, Apple Pay, Google Pay, ACH, and bank transfers. Tokenization and customer vault capabilities support recurring billing and subscription management, while 3-D Secure, payer authentication, webhooks, reporting, and multi-MID management extend the operational toolkit. These options can suit software providers and payment organizations that need to shape a payments experience around their own products and processor relationships.
According to NMI's pricing notes, pricing is handled through partners, account teams, and fee schedules rather than a standard public price list. That approach makes it important for buyers to discuss their channel mix, processor requirements, and expected payment flows directly with NMI or a partner before comparing costs. NMI also supports marketplace-related funds flows through its Dwolla capabilities. Buyers looking for broad embedded infrastructure, integrations, and multiple acceptance environments should consider it; a merchant needing only a simple single-channel checkout may find its extensive API, SDK, and account-management scope unnecessary.
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NMI pricing
NMI fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Payment methods | Visa, Mastercard, Discover, American Express, Diners Club, China UnionPay, JCB, Apple Pay, Google Pay, ACH and bank transfers |
| Supported currencies | Not verified |
| Recurring payments | Yes |
| Marketplace payments | Yes |
| Payout countries | Not verified |
| API and SDK coverage | Api_and_sdk |
| Deployment | Cloud, Desktop, Mobile |
| Platforms | Web, Windows, Linux, iOS, Android |
| Integrations | 5 integrations: 200+ payment processors, 125+ shopping carts, Shopify, Apple Pay, Google Pay |
| Pricing | Pricing on request |
| Website | nmi.com |
| Facts checked | 19 Sep 2026 |
NMI integrations
NMI lists 5 integrations on its own site.
- 200+ payment processors
- 125+ shopping carts
- Shopify
- Apple Pay
- Google Pay
Alternatives to NMI
- Stripe PaymentsBroad payment coverage for businesses selling online, in person, or through marketplaces.9.3
- AdyenA broad payment platform for businesses managing online, mobile, and marketplace flows.9.2
- PayPal for BusinessA flexible PayPal checkout option with payment tools for online, in-person, and mobile sales.9.1
NMI vs the competition
- NMI vs Stripe Payments
- NMI vs Adyen
- NMI vs PayPal for Business
- NMI vs Checkout.com
- NMI vs PayPal Payments
- NMI vs Braintree
Compare NMI with any tool side by side →
Also Ranked In
NMI is ranked in 4 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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