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Accept Payments Your Customers Prefer

Support all major credit cards, ACH eCheck and popular digital wallets.

One gateway. Every channel.

Powerful Features for Every Business

Everything you need to run your business and get paid.

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Recurring Billing

Set the billing schedule once and NMI runs the recurring payments for you.

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Virtual Terminal

Swipe cards or key in payment details from a browser for phone and mail orders.

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Advanced Fraud Protection

Screen transactions in real time with an AI driven fraud toolset and configurable filters.

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Customer Vault

Store customer cards as tokens so repeat and recurring sales run without re-entering card data.

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Mobile and Tap to Pay

Take payments on the go with Tap to Pay on iPhone and Android, or the iProcess mobile app.

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Powerful Reporting

See every channel in one view and track all payment activity from a single account.

Easy Integration. Built for Developers.

NMI connects to more than 125 shopping carts and gives developers a full set of APIs and SDKs.

Shopify
WooCommerce
Magento
BigCommerce
QuickBooks
Opencart
Shopify
WooCommerce
Magento
BigCommerce
QuickBooks
Opencart
View All Intergrations

Get Paid in 4 Simple Steps

01
Customer Checkout

Your customer enters their payment details at checkout, on a terminal, or through a payment link.

02
Authorization

NMI encrypts the payment details, screens the transaction and sends it on to your processor and the issuing bank.

03
Approval

The bank approves the transaction and the funds are authorized.

04
Settlement

Funds settle to your merchant account on your scheduled funding cycle.

Built for Every Business

From startups to enterprise, NMI scales with you.

Need a more connected payment workflow?

Talk to a payment specialist for a free consultation, with no obligation.

Start Processing Today
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Frequently Asked Questions

  • What is the NMI payment gateway?

    The NMI payment gateway connects a business website, software, virtual terminal or payment device to its merchant account and payment processor. NMI supports online, mobile, in-person, unattended and manually entered transactions through one payment platform.

  • Is NMI a merchant account or a payment gateway?

    NMI is a payment gateway, not a merchant account. Most merchants also need an approved merchant account and a compatible payment processor to receive funds. NMI works through partners rather than selling directly to merchants, so AllayPay sets up the merchant account and connects it to NMI.

  • What is the difference between NMI and Authorize.net?

    NMI and Authorize.net are both payment gateways, but NMI does not work directly with merchants, while Authorize.net sells directly to merchants. NMI lets an unlimited number of MIDs run on one gateway account with consolidated real-time reporting. AllayPay offers both gateways.

  • What payment methods does NMI support?

    NMI supports Visa, Mastercard, American Express, Discover, Diners Club, China UnionPay and JCB, plus Apple Pay, Google Pay and ACH eCheck payments. Availability depends on the merchant account, processor, country and integration setup.

  • Can I accept payments through my website with NMI?

    Yes. The NMI payment gateway offers the Collect Checkout hosted payment page, the Payment Component and Collect.js tokenization tools, a payment API and connections to more than 125 shopping carts. Merchants can choose a simple hosted option or build a custom checkout.

  • Which eCommerce platforms and business software does NMI integrate with?

    NMI publishes its own Shopify plugin and Bill Connect, which links payments to accounting software such as QuickBooks and Xero. The gateway also connects to more than 125 third-party shopping carts. For custom builds, NMI gateway integration runs through its APIs and device SDKs for iOS, Android, Windows and Linux, which connect payments to websites, mobile apps, CRMs and billing platforms.

  • Can I switch to NMI from another payment gateway?

    Yes. The NMI Gateway Emulator lets a business migrate from another payment gateway without reprogramming its applications, and NMI Batch Processing can upload files to process large transaction volumes at once. When you switch through AllayPay, AllayPay boards the merchant account and connects it to NMI.

  • Does NMI include a virtual terminal?

    Yes. The NMI Virtual Terminal lets authorized users swipe cards or key in payment details from a browser. It supports phone orders, mail orders, invoices and other payments where the customer is not completing an online checkout.

  • Does NMI support Tap to Pay and mobile payments?

    Yes. NMI supports Tap to Pay on iPhone and Tap to Pay on Android, which accept contactless cards on a phone or tablet with no external hardware. The NMI iProcess mobile app accepts EMV card payments on Apple and Android devices, and NMI device SDKs let software providers build in-person payments into their own apps.

  • Can NMI process recurring payments?

    Yes. NMI recurring billing is built into the gateway. You set the billing schedule once and the gateway runs each payment. Pair it with the Customer Vault so stored cards rebill without collecting card data again.

  • Can NMI store customer payment methods?

    Yes. The NMI Customer Vault replaces card data with a token, so merchants can repeat transactions without storing or re-collecting payment details. The Customer Token Vault adds network tokens, which can lower fees and improve transaction rates.

  • What is NMI Collect Checkout?

    Collect Checkout is the NMI hosted payment page and payment button generator, which lets merchants sell online without a shopping cart. Collect Checkout fits into most web-based payment workflows and lives entirely on NMI servers, so payment data never touches your environment.

  • What is NMI Collect.js?

    Collect.js is an NMI library that opens a secure form, captures the payment data and returns a token. Your application sends that token to the NMI Payment API instead of raw card or bank account data. The form is a separate page hosted by the gateway, which keeps payment data off your site and shrinks your PCI footprint. For new integrations, NMI now recommends its Payment Component with the NMI REST API.

  • Can I send invoices through NMI?

    Yes. Electronic Invoicing lets merchants send an invoice in minutes and collect the payment in one click.

  • Does NMI support payment links and QR codes?

    Yes. Merchants can turn payment links into QR codes for contactless payment, and Text-to-Pay sends a payment request by text message.

  • Does NMI support ACH and eCheck payments?

    Yes. NMI ACH payments and electronic check processing are supported on the NMI gateway. Merchants can pick a check processor supported by the gateway or apply through NMI’s integrated eCheck partner from the merchant portal. ACH access depends on underwriting approval and account configuration.

  • What fraud prevention tools does NMI provide?

    NMI offers Advanced Fraud Protection, an AI driven fraud screening toolset that runs real time risk analysis, plus Payer Authentication 2.0 for the secure checkout protocols built by Visa and Mastercard. These tools reduce certain risks, but they cannot stop every fraudulent transaction or chargeback.

  • Is NMI PCI compliant?

    Yes. NMI has maintained PCI DSS Level 1 certification since 2005 and offers point-to-point encryption, tokenization and hosted payment forms that cut the amount of card data a business handles. Merchants must still complete the PCI requirements that apply to their own payment environment.

  • Can NMI help reduce failed recurring payments?

    Yes. NMI Automatic Card Updater keeps stored card details current when an issuer replaces or reissues a card, which prevents interrupted recurring payments caused by expired cards. The NMI Customer Token Vault uses network tokens, which NMI says can improve transaction rates. Neither tool fixes a decline for insufficient funds or a closed account.

  • Can I issue refunds and void transactions through NMI?

    Yes. Authorized users can refund settled transactions and void eligible transactions before settlement. These actions run through the merchant portal, the Virtual Terminal or supported API integrations.

  • Does NMI provide APIs and webhooks?

    Yes. NMI provides the Payment API, the newer NMI REST API, the Query API for detailed transaction data, webhooks for near-real-time event notifications, developer documentation and a sandbox in its integration portal. Webhooks can drive order updates, reporting, customer notifications and internal automation.

  • Is NMI suitable for enterprise payment processing?

    Yes. NMI supports more than 1.2 million active merchants, over 6.5 billion transactions a year and more than 235,000 connected devices. An unlimited number of MIDs can run on one gateway account with consolidated reporting, and transaction routing, batch processing and Level III Advantage, which passes Level II and Level III data on B2B and B2G sales, support larger operations.

  • Can high-risk merchants use the NMI payment gateway?

    Yes. NMI works with merchant accounts approved for high-risk industries and publishes no list of banned high-risk categories. NMI’s terms do bar unlawful businesses and any business on a prohibited activities list issued by a thirdparty service provider or the card networks, so the acquiring bank’s underwriting decides eligibility. AllayPay places merchants in high-risk industries such as CBD and Delta 8, nutraceuticals, vape and firearms, and NMI lets one gateway account run multiple MIDs.

  • How much does the NMI payment gateway cost?

    NMI does not publish merchant pricing because it sells only through partners, so the provider that boards your NMI merchant account sets the gateway fees. Request a free quote from AllayPay to see the cost for your business.

  • Why use AllayPay for an NMI payment gateway?

    AllayPay® is a registered ISO/MSP of Fifth Third Bank, N.A. that has served high-risk and hard-to-place merchants from Plantation, Florida since 2016. AllayPay serves more than 1,000 active merchants and processes over $1.1 billion a year. AllayPay offers NMI alongside the Authorize.net and Fluid Pay gateways.

  • How do I get started with NMI through AllayPay?

    Apply online through AllayPay®, which offers same-day approvals for many businesses. After the merchant account is approved, AllayPay configures NMI for your online checkout, virtual terminal, ACH, invoicing, recurring billing or inperson payments, and a dedicated U.S.-based account manager serves as your single point of contact. AllayPay boards U.S. businesses only.

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Ready to connect NMI to your payments?

Tell us about your business and we'll match you with the right banking partner and the right pricing, usually within one business day.

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