NMI Payments - 2026 Pricing, Features, Reviews & Alternatives

Embed payments seamlessly
NMI Payments enables SaaS platforms and ISOs to embed payments directly into their software, creating a unified experience for their users. With flexible integration options—API, SDK, or no-code—partners can launch branded payments quickly without needing to build complex infrastructure or become a PayFac.

Retain full control of your brand
Keep your brand front and center with a fully white-labeled experience. From merchant onboarding and reporting dashboards to support and communication, NMI Payments ensures that every interaction reflects your brand—not a third party’s. You maintain ownership of pricing, relationships, and customer data, strengthening loyalty and trust.

Monetize payments without added complexity
Turn payments into a strategic revenue stream. NMI Payments allows you to set your own pricing and share in transaction revenue while NMI handles the operational burdens of compliance, underwriting, and risk management. This approach helps SaaS and ISO partners generate new recurring revenue without taking on regulatory responsibility.

Simplify risk, compliance, and underwriting
Managing payments requires deep regulatory expertise. NMI Payments provides built-in tools for underwriting, fraud prevention, and ongoing risk management—reducing operational overhead while ensuring your merchants stay compliant. NMI’s experienced team monitors risk in real time, giving partners peace of mind and more time to focus on growth.

Deliver a frictionless merchant experience
From onboarding to processing, every step is designed to be smooth and intuitive. NMI Payments offers hosted onboarding flows, automated approvals, and unified transaction reporting, so merchants can start accepting payments in minutes. Reliable uptime and transparent reporting ensure merchants always have visibility and confidence in their payment operations.

Accept payments across every channel
Support the way your merchants do business—whether in-store, online, mobile, or unattended. NMI Payments provides a single platform for omnichannel acceptance, including EMV, Tap to Pay, digital wallets, and in-app transactions. This consistency reduces technical complexity and creates a seamless customer experience across all payment environments.

Accelerate time to market
Launch faster and stay ahead of competitors. NMI Payments offers developer-friendly SDKs, sandbox testing, and prebuilt components that simplify deployment. Most partners go live in moments, not months—helping you start generating payment revenue sooner and deliver value to merchants immediately.

Scale flexibly as you grow
NMI’s modular architecture supports growth without limits. Start with the functionality you need today, then add advanced capabilities such as tokenization, recurring billing, or analytics as your business evolves. This flexibility ensures your payments strategy scales with your platform and your customer base.

Drive retention and long-term revenue
Embedded payments improve customer stickiness and open up new revenue opportunities. By offering integrated payments, platforms can increase transaction volume, reduce churn, and strengthen overall platform engagement. Payments become not just a feature—but a core part of your business model.

Partner with a proven leader
NMI powers over 5.8+ billion transactions every year for more than 4,000 technology partners and over one million merchants. As a trusted global payments enablement platform, NMI combines deep industry expertise with reliable, scalable infrastructure. NMI Payments gives you access to this proven ecosystem—helping you innovate, grow, and deliver exceptional value to your customers.