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NMI Payment Gateway

Company overview

About NMI

What the company provides

  • Gateway

Available countries, payment methods, data access, contracts and funds handling depend on the selected product.

NMI provides embedded payment infrastructure, including a white-label payment gateway for online, in-store, mobile and self-service payments.

The gateway includes checkout, tokenization, routing, recurring billing and reporting; the merchant-account provider, underwriter, acquirer and settlement provider depend on the merchant setup.

Founded 2001nmi.comUpdated Jul 30, 2026

Selected product

NMI Payment Gateway

Gateway account & connected payment providers

  1. Product account

    Merchant-account provider not specified

  2. Client activation

    Product-account activation requirements not specified

    NMI Payment Gateway is a technology product. Its client checks and any separate payment-provider requirements are not specified.

Primary legal entity

Network Merchants, LLC

Jurisdiction
United States
Company type
Delaware limited liability company

Legal entities by jurisdiction

One legal entity registered in United StatesOne jurisdiction

Operating scale

Active merchants
≥1,200,000 active merchants
Annual transactions
≥6,500,000,000 transactions per year
Connected devices
≥235,000 connected devices
Shopping cart integrations
≥125 shopping cart integrations

The legal entity supplying a product can differ by product and country.

Partner programs

ISO, ISV, and PayFac

Products and services available through each program differ.

  1. ISO

    Independent sales organization

  2. ISV

    Independent software vendor

  3. PayFac

    Payment facilitator

Product portfolio

NMI products

Compare each product by the company's role, merchant-account setup, underwriting, payment processing and settlement responsibilities.

NMI Payment Gateway

Role in this product

  • Payment gateway

NMI supplies white-label gateway technology, checkout integrations, tokenization, transaction routing, recurring billing and reporting.

The merchant-account provider, merchant underwriter, acquirer, reserve terms and settlement provider are not identified by the gateway product.

Related services
Hosted checkoutDirect APIEmbedded payment fieldsPayment linksRecurring billingFraud prevention
Features
GatewayCheckoutFraud and riskPayment operationsReportingComplianceSupport

Selected product

NMI Payment Gateway

Related services
6 capabilities
Features
7 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Payment gateway
02 · Merchant account
Merchant-account provider not specified
03 · Merchant account approval
Not included with this product
04 · Funds handling
NMI does not hold merchant funds

Selected product: NMI Payment Gateway.

Checkout

NMI Payment Gateway: checkout, payment data & provider connections

Review checkout ownership, payment-data handling, supported integrations and the connected providers required for live payments.

Selected product: NMI Payment Gateway

Included in NMI Payment Gateway

Features included with this product.

Solutions
Hosted checkoutDirect APIEmbedded payment fieldsPayment linksRecurring billingFraud prevention
Capabilities
GatewayCheckoutRecurring billingFraud and riskPayment operationsReportingComplianceSupport

Checkout, payment data & provider roles

Who operates checkout, handles payment data, authorizes payments and handles merchant funds for NMI Payment Gateway.

Included

Checkout and integration options

Compare hosted checkout, embedded UI, Web SDK and REST API with country and currency coverage.

Choose a checkout integration

The integration option determines who controls the checkout UI and the implementation effort.

Products
  • Collect Checkout · Hosted checkout · NMI hosted payment page
  • Collect.js · Embedded payment fields · Embedded JavaScript

Developer tools

SDKs, plugins and API integration

Commerce plugins
  • Shopify

Checkout controls

Features
  • Hosted payment page
  • Embedded payment fields
  • Merchant controlled checkout design
  • Payment buttons
  • Payment links
  • QR code payment links
Questions to confirm

Which currencies are supported for NMI Payment Gateway?

Currencies are not specified for NMI Payment Gateway.

Which languages are supported for NMI Payment Gateway?

Languages are not specified for NMI Payment Gateway.

Which mobile SDKs are available for NMI Payment Gateway?

Mobile SDKs are not specified for NMI Payment Gateway.

Product account · NMI Payment Gateway

What is required to activate this product?

Product-account activation requirements not specified. Merchant-account approval remains separate.

Product eligibility

Owner, director and operating-location requirements are not specified

Product account review

Product-account activation requirements not specified

The provider reviews the company and product use before activating the technology account.

Account review
Product account review
Product
NMI Payment Gateway
Regulated-business license
Required license type and issuing jurisdiction are not specified
01Product eligibility & acceptable use

Which businesses and uses are accepted for this product?

The product's acceptable-use rules determine which businesses and use cases can activate an account.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Product account application

What is needed to activate the product account?

Company information, intended product use, commercial terms and integration details required before activation.

Product account application

Open product account → agree terms → configure integration → test → activate

Product access begins after account review, configuration and testing are complete.

Platform account documents

Documents to prepare

Required company and account-setup documents are not specified

Platform account setup

Account review, integration and activation steps are not specified

Product account requirements

Account setup and activation

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Account review requirements

Company, ownership, sanctions, license and integration requirements are not specified

Account setup tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Company eligibility, acceptable-use restrictions, account requirements and activation timing are not fully specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 01

    What company information is required to open an NMI Payment Gateway account, and how long does activation take?

    NMI Payment Gateway account setup requirements and timing are not specified.

  2. 02

    Which business activities and product uses are prohibited by the acceptable-use policy?

    Product-specific acceptable-use restrictions are not specified.

Payment methods & countries · NMI Payment Gateway

Which countries and payment methods are available for this gateway or orchestration setup?

Connected payment providers determine payment-method, country and currency coverage for this configuration.

Selected product

NMI Payment Gateway

Payment setup not specified

Selected product

Client company

Eligible client countries are not specified

Business availability and connected-service coverage are separate requirements.

Payment connection capabilities

Payment connection capabilities are not specified

Availability depends on

  • Connected provider
  • Business country
  • Payment method
  • Currency

NMI supplies payment technology. The merchant-account provider, merchant underwriter, processor, acquirer and configuration-specific payment coverage are not specified.

01Selected product

NMI Payment Gateway capabilities and connections

These capabilities belong to the selected product. Connected-provider and regional availability is set during configuration.

02Countries & availability

Where can the client be based, which PSP or acquirer serves each target market, and where can customers pay?

Client eligibility, merchant-account approval, acquiring coverage and customer-country availability are separate parts of the payment setup.

Country coverage

Client, connected-provider, customer and product countries

  1. 01

    Client location

    Where can the company using the technology be registered?

    Eligible client countries are not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Client and merchant-account eligibility
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    The acquirer for each target country is not specified

    Across all products
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which gateways, PSPs, processors and acquirers are available for each business country, payment method and currency?

    Payment methods, countries and currencies depend on the connected provider accounts and the merchant configuration.

  2. Which connected providers require a separate agreement, approval or production credentials?

    Commercial and account requirements differ by connected provider.

Pricing & funds · NMI Payment Gateway

What does NMI Payment Gateway cost, and which related charges are governed by another agreement?

Checkout price, billable usage, contract term and additional costs

Pricing

Checkout price, billable usage, contract term and additional costs

Pricing method

Custom quote

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

Pricing model

Not specified

Custom quote

Public rates

Not specified

02Billing basis

Which usage units determine the recurring bill?

The usage units that determine the recurring bill.

Usage drivers

Not specified

Transaction volume, payment methods, provider connections and optional checkout components

The quantities, included allowances and overage rates are not specified.

03Contract & additional costs

How is the product invoiced, and which costs sit outside the base price?

Contract length, billing cycle, invoice currency, minimum spend and renewal terms. Implementation, optional-service, third-party and support charges outside the base price.

Invoice terms and costs outside the base price

Contract terms and additional charges

Contract, invoice and additional-cost terms define the software subscription and its bill.

01 · Contract & invoicing

Contract & invoicing

Contract length, billing cycle, invoice currency, minimum spend and renewal terms.

Contract terms

Contract length, billing cycle, minimum spend and renewal terms are not specified

02 · Additional costs

Additional costs

Implementation, optional-service, third-party and support charges outside the base price.

Costs to include in the quote

Not specified

Connected PSP or gateway charges, tokenization, mobile SDK and support costs

Pricing & contract terms

Terms to confirm in the agreement

Price

  1. What initial term, renewal rule, cancellation notice, billing cycle and invoice currency apply?

    The contract and invoicing terms are not specified.

Other terms

  1. How is checkout priced, which usage units are included and what are the overage rates?

    Unit prices, included allowances and overage rates are not specified.

  2. How will checkout volume, connected providers, environments and support level change the monthly bill?

    The billable units and pricing tiers needed for a cost forecast are not specified.

  3. Which connected PSP or gateway charges, tokenization, mobile SDK and support costs are billed separately?

    Additional product and third-party charges are not specified.

Checkout flow · NMI Payment Gateway

How do checkout, tokenization, provider connections and implementation work?

Checkout surfaces, tokenization, connected providers, SDKs and events

Checkout flow

Collect payment details → tokenize → submit → events & diagnostics

The checkout integration determines who controls the payment form, how payment details are tokenized, which providers receive the payment request, and which SDKs and webhooks are available.

Selected product

NMI Payment Gateway

Checkout integrations, tokenization, provider connections, SDKs and webhooks.

  1. Checkout surfaces

    Collect Checkout · Collect.js

  2. Payment-provider connections

    Connected provider types are not specified

    Not specified

  3. Checkout responsibilities

    Gateway · NMI

  4. SDKs & implementation

    Mobile SDK availability is not specified

    Not specified
01

Checkout surfaces

Which hosted, embedded or API checkout options are available?

Merchant-controlled and embedded checkout options for collecting payment details.

Checkout products

  • Collect Checkout
  • Collect.js

Checkout capabilities

  • NMI hosted payment page
  • Payment page
  • Payment buttons
  • Embedded JavaScript
  • Credit and debit cards
  • US and canadian ACH
  • Apple Pay
  • Google Pay
  • Single use payment token
02

Payment-provider connections

Which payment providers can checkout connect to?

PSP, gateway, processor and wallet connections used by checkout.

Selected setup

Connections entry point

How requests enter this product and which integration boundary applies.

Connected provider types

Not specified

Connected provider types are not specified

Payment-provider connections

Connected payment-provider types

Connections

No additional payment-provider connections details are specified.

Tokenization & reuse

Tokenization & reuse

Token creation and reuse for future or recurring payments.

Tokenization
  • Single use payment token
  • Customer vault token
03

Checkout responsibilities

Who collects and tokenizes payment details, authorizes payments and handles funds?

NMI Payment Gateway supplies the checkout and gateway. Merchant-account approval, processing and settlement remain with the parties assigned below.

Checkout responsibilities

  • Gateway · NMI
04

SDKs & implementation

Which SDKs, events and implementation diagnostics are available?

Client SDKs, environments, event handling and operational diagnostics.

SDKs & implementation

Checkout integration → tokenization → payment submission → webhooks & error reporting

Client SDKs, environments, webhook events, request logs and operational diagnostics.

  1. 01

    SDKs & implementation

    Client SDKs, environments, event handling and operational diagnostics.

    Mobile SDKs

    Not specified

    Mobile SDK availability is not specified

    Webhooks

    • Transactions
    • Check status
    • Recurring
    • Settlement batch summaries
    • Chargebacks when supported by processor
    • Automatic card updater

    Sandbox

    Available

    Merchant Interface

    Available

Before integration

Integration details not specified

  1. 01

    Which checkout surface is included, who receives card data and which PCI DSS validation applies to the merchant?

    The contracted checkout surface and merchant PCI DSS scope are not specified.

  2. 02

    Which connected providers require separate approval, agreements and production credentials?

    Connected-provider account requirements differ by configuration.

  3. 03

    Are request logs and API error diagnostics available, and how long are they retained?

    Request-log availability, fields and retention are not specified.

Checkout, credentials & support

NMI Payment Gateway: risk, licenses & support

Checkout integration, payment-provider connections, tokenization, data handling, contracting entity and support.

01 / Checkout & data continuity

What happens when checkout or a connected provider fails?

Timeout handling, fallback behavior, duplicate-payment protection, payment-data retention, deletion and portability.

Checkout & data continuity

NMI provides checkout and payment-provider connections

Connected gateways, processors and acquirers authorize transactions and handle merchant funds. The NMI Payment Gateway agreement controls the checkout integration, stored credentials and provider connectivity.

Role in this product
Payment gateway
Connected providers & merchant funds
NMI does not hold merchant fundsThe provider that settles merchant funds and the settlement schedule are not specified.

Checkout outages & data continuity

How are failed checkouts and stored credentials handled?

Timeouts, fallback behavior, duplicate-payment protection, data retention, deletion and export terms belong in the agreement.

  • What happens when checkout or a connected payment provider is unavailable or returns an uncertain result?

  • Which payment fields are collected, stored or passed to connected providers, and how can stored credentials be exported or deleted?

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening and 3-D Secure are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Fraud screening3-D SecureVelocity controls

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

3-D Secure
Yes
Before signingCheckout outage, fallback, payment-data retention, deletion and portability terms2 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the payment gateway and any regulated payment services?

The entity providing the technology may or may not also provide regulated payment services. That relationship is not specified for this product.

For this product

Contracting entity and payment services authorization

Payment gateway. The contracting legal entity for NMI Payment Gateway is not specified. Any legal entity providing regulated payment services is not specified. The applicable license or registration is not specified.

Whether the same or different legal entities provide the technology and any regulated payment services is not specified.

  1. 01 · Contracting entity

    Not specified for this product

  2. 02 · Payment services legal entity

    Not specified for this product

  3. 03 · License or registration

    Not specified for this product

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

0 entities · license or registration not specified

Security & regulatory information

Certifications, safeguarding arrangements and cross-border permissions for this product.

01

Security controls

Privacy and security controls

Security controls
PCI compliant payment platformPoint to point encryption3-D Secure 2Signed webhooksSingle use payment tokens
Before signingContracting entity, payment services license and legal terms3 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover NMI Payment Gateway and checkout, tokenization or provider-connection failures. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and checkout, tokenization or provider-connection failures are not specified.

Other company contacts

Support hours are not specified for these contacts.

Sales

nmi.com/about-us/contact-us

Developer

docs.nmi.com/reference/getting-started

General

+1 800 617 4850
Before signingSupport contacts, hours and response times4 items to confirmReview contract terms
NMI Payment Gateway / Before signing

What should the technology services agreement include?

Confirm product scope, software pricing, connected-provider responsibilities, data handling, service levels, support and termination.

Before signing

NMI Payment Gateway: terms to confirm

Confirm the product scope, connected-provider responsibilities, pricing, data handling, service levels and exit terms.

Product, usage & pricing

Included features, environments, usage allowances, overage rates, third-party costs and contract term

Data, service levels & exit

Data handling, security, uptime, recovery, support, suspension, portability and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.
  2. 02Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.
  3. 03Technical supportSupport contacts, hours, severity levels, response targets and escalation.
Technology services agreement

Product terms to confirm

Review software pricing, integration scope, connected-provider responsibilities, data handling, service levels, support and termination.

Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.

  1. What happens when checkout or a connected payment provider is unavailable or returns an uncertain result?

    Timeout handling, retry limits, fallback behavior and duplicate-payment protection are not specified.

  2. Which payment fields are collected, stored or passed to connected providers, and how can stored credentials be exported or deleted?

    Payment-data handling, retention, deletion and portability terms are not specified.

Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.

  1. Which legal entity will sign the agreement for this product?

    The contracting legal entity is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

Technical supportSupport contacts, hours, severity levels, response targets and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles checkout failures, token errors, provider-connection outages and duplicate-payment risks?

    No escalation contact or process is specified for checkout and provider-connection incidents.

  3. Which support hours and contact channels cover NMI Payment Gateway, and where should a business report checkout, tokenization or provider-connection failures?

    The support scope for NMI Payment Gateway and the contacts for checkout and provider-connection issues are not specified.

  4. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What this technology product includes, which configuration restrictions apply and which service terms are not specified.

Included capabilities

Capabilities included with NMI Payment Gateway.

  • Hosted payment page, Embedded payment fields, Merchant controlled checkout design, Payment buttons, Payment links, QR code payment links, Collect Checkout, and Collect.js

  • Payment gateway technology

Product restrictions and conditions

Acceptable use, supported connections, configuration limits, data conditions and account restrictions.

  • Connected-provider requirements, operating limits, event coverage and service levels depend on the selected configuration.

Terms to confirm

Pricing, integration, data, service-level, support and termination terms to include in the technology agreement.

  • Unit prices, usage allowances, overage rates, contract length, minimum spend and renewal terms are not specified.