Wind River Financial is an ISO and payment processing company based in Madison, Wisconsin.
The company offers merchant services and merchant accounts via their partnership with the
acquiring bank Wells Fargo. They also provide payment technology for a large base of
Independent Software Vendor (ISV) customers to integrate into their own solutions.
The company prides itself on treating customers like family. Many of their merchants lack
knowledge of the payments process, so Wind River has a staff of payments veterans who know
all about the payment ecosystem and have been involved with it for the last 30 years.
In 2016, Wind River began looking for a new payment gateway partner. Previously, they would choose a specialized gateway to solve a specific use case, or to go after a new merchant category or vertical. However, with the market changing, they wanted to provide their customers with a more robust offering to service multiple MCCs. They also found that many gateways were failing to address specific pain points reported by customers along with staying current with payment trends.
Their ISV customers are experts in their own software and industries, but they needed a payments processor with the knowledge and technology to get the merchants boarded and processing payments quickly and securely. Wind River also wanted a single gateway integration that would make it simple for merchants to accept multiple payment methods. Moreover, it had to offer next-level features like a virtual terminal, simple hosted payment pages and advanced integration to ecommerce websites.
Staying ahead of the curve requires providing more than just merchant accounts and payment
processing. Wind River needed a solution that would allow them to offer new sources of value
for merchants to help retain customers while increasing revenue. They also wanted a partner
that could provide a unified commerce enablement platform that offered them and their
customers’ complete flexibility, with a wide range of devices, processor connections and
shopping carts to choose from.
How NMI helped
Wind River chose NMI as the gateway partner to meet their need for a complete payments solution that was flexible and feature-rich. They wanted a partner who would listen to their strategy and work together mutually on a shared strategy. Wind River now offers NMI as a hub that their ISV customers can connect with and customize accordingly. In addition to the gateway, Wind River also offers NMI’s ChipDNA Cloud and Collect.js solutions to their merchants.
ChipDNA Cloud integrates chip card payments into a cloud-based POS solution that lets merchants accept EMV payments immediately without having to deal with PCI compliance, device drivers and certifications. Users connect directly to NMI’s payment platform, eliminating downloads and incompatibility issues, easing device adoption and ultimately reducing support calls.
"A lot of our clients are not as versed in the payment industry and are able to pick up and runSteve Staden, COO and CPO, Wind River Financial
with the NMI APIs and integrate their software into the NMI payments platform. What NMI has
produced from ChipDNA Cloud is massive, putting them ahead of other gateways who are
scrambling to the cloud.’’"
collect payment information from their customers without exposing their website to sensitive
information. That means merchants can eliminate PCI compliance headaches while maintaining
full control over the look and feel of their checkout experience.
Processing payments through the NMI gateway and taking advantage of various value-added
services has won new ISV business for Wind River and enabled them to take on customers that
they wouldn’t have been able to work with before.
"NMI breeds a lot of confidence in our sales and client care teams. We like showcasing NMI asSteve Staden, COO and CPO, Wind River Financial
much as possible since our end merchants really appreciate the additional features the gateway
has to offer along with their commitment to continually add new capabilities."
Since beginning their partnership in 2016, NMI and Wind River have worked closely together to
grow their relationship. Wind River has seen approximately a 25% increase in transactions using
the NMI products along with a 10% increase in customer satisfaction.
NMI’s responsiveness and adaptability have also helped improve the solution for Wind River’s
customers over time.
"A lot of things that NMI is currently working on are really hitting all the pain points we’rePete Uselman, ISV Channel Manager, Wind River Financial
hearing from the market, which we really like seeing. As a partner it’s been great since we’ve
been working very closely with the NMI gateway and putting through a lot more transactions
than we have 2 years ago, and that growth obviously benefits both parties.’’"
Wind River has also found in NMI a partner that shares their pride in and emphasis on providing
outstanding customer service. For example, NMI was able to help save a client who was
dissatisfied with a card testing fee issue by promptly refunding the client on behalf of Wind
"I have been impressed with everyone I have worked with at the company. NMI has a lean teamSteve Staden, COO and CPO, Wind River Financial
and what they are able to do is very impressive. Our Partner Success Manager has been very
responsive and is always trying to help. Issues are quickly resolved, refunded and escalated as
Wind River has also appreciated the transparency provided by NMI’s quarterly product roadmap
webinars, which keep them up to date with the latest offerings and help them assess what
would be beneficial to them and their customers.
"It was great to see a roadmap from a gateway company, since we just don’t normally see thatPete Uselman, ISV Channel Manager, Wind River Financial
level of information from other gateways."
In a year where so many businesses have struggled, Wind River Financial and NMI have
continued to help their merchants survive and thrive. As things return to normal, both
companies will continue to work together providing great customer experiences.
Wind River plans to continue focusing on the ISV market and distinguishing themselves from the
pack with their superior customer service. They want to help their customers fully understand
payments and their needs, find the right technology for them, and share in the revenue
NMI’s partnership will continue to grow with Wind River as they look to implement a host of
other services, including integrations with Google Pay and Apple Pay, expanded surcharge
capabilities, and Pay by Text and interactive voice recording.
NMI is a leading global full commerce enablement platform, processing more than $195 billion in payments annually. We enable payments for over 3,300 partners and over 267,000 merchants around the world and across the entire commerce ecosystem: online, in-app, mobile, in-store, unattended and whatever’s next. We’re constantly innovating in order to power the next era of payments, building in the latest technology so ISVs, ISOs, Banks and Fintech Innovators can focus on what they do best. NMI has offices in the US and UK and serves global customers.
NMI partners with Instant Systems to power unattended retail innovation
Introduction Instant Systems is an ISV known for innovating in the unattended retail space. They got their start building software for DVD re...Learn More
Enhancing efficiency and customer experience
Introduction Small World Money Transfer offers customers a secure, fast, and economical way to send and receive money around the world, no ma...Learn More
Dripdrop makes it rain with innovative umbrella rental kiosks
Introduction Dripdrop is a Denmark-based ISV/VAR specializing in the unattended space with an innovative business model: they operate automate...Learn More
Wind River Financial wins new business and delivers seamless onboarding
Introduction Wind River Financial is an ISO and payment processing company based in Madison, Wisconsin. The company offers merchant services a...Learn More
Enhancing Product & Enabling Growth
Introduction Stax by Fattmerchant is a payment solutions and technology provider for merchants and ISVs and has seen tremendous growth for the...Learn More
Innovative Taxi Kiosks Boost Customer Experience
Introduction Silver Arrow Systems develop and manufacture innovative self-service kiosks that allow customers at airports and shopping centers...Learn More
NMI Payment Gateway Services A-to-Be for Illinois Tollway
Introduction The Illinois Tollway is a state agency set up to construct, operate and maintain a network of 292 miles of tollways in 13 countie...Learn More
NMI supports new toll card payment for Ireland's N6
Introduction The N6 is a motorway toll road in Ireland that links Galway in the west to Dublin on the east coast, a distance of approximately ...Learn More
Nationwide Payments boosts reliability and wins new business
Introduction Nationwide Payments, a division of EVO Payments International, is an ISO in the unattended space and a leading authorized payment...Learn More