FAQs

NMI is a leading provider of embedded payment solutions. We offer a comprehensive, all-in-one platform that enables businesses to integrate and accept payments seamlessly across various channels, including online, in-store, mobile and self-service environments. Our modular approach allows for flexibility and scalability, and it empowers organizations to manage the entire merchant lifecycle efficiently — from onboarding to transaction processing — while sharing in the net payment revenue. By delivering secure, reliable and customizable payment capabilities, we help our partners drive new revenue streams and provide unparalleled payment experiences to their customers.

NMI provides a comprehensive suite of payment solutions designed to empower businesses across various industries with flexibility, security and scalability. Here is an overview of our key services:

• Payment Gateway:
  Our feature-rich, white-label payment gateway supports online, in-store, mobile and self-service payments. It integrates with over 200 payment processors and 125+ shopping carts. That enables seamless payment acceptance and management across multiple channels
• Merchant Relationship Management:
  NMI’s Merchant Relationship Management suite is more than just a set of tools; it’s your strategic partner that transforms the way you interact with your merchant portfolio, setting new standards for success
• White-Label Solutions:
  Our platform offers robust white-labeling options, allowing businesses to add their logos and colors and customize the URLs to maintain their brand identity. This enables our clients to extend their brand while leveraging our secure and efficient payment solutions
• Mobile Payments:
  NMI provides mobile payment solutions that allow merchants to accept in-app, EMV and contactless payments via smartphones and tablets. This includes turnkey mobile applications and software development kits (SDKs) for both iOS and Android devices
• Ecommerce Payments:
  Our ecommerce solutions enable merchants to quickly set up and accept online payments. We offer hosted payment pages, application program interface (API) integrations and advanced fraud prevention tools to ensure secure and efficient online transactions
• Unattended and Self-Service Payments:
  We support secure payment processing for self-service environments such as vending machines, self-service kiosks and parking systems. Our solutions include certified payment devices and robust security features to handle unattended transactions
• Fraud Prevention:
  The Fraud Defense Suite includes advanced tools that utilize AI and machine learning to provide real-time risk analysis and protect against fraudulent activities
• Network Tokens with Customer Token Vault:
  NMI’s Network Tokenization solution expands on Customer Vault and replaces sensitive payment data with secure network tokens from the card brands, helping businesses reduce fraud and improve authorization rates. By automatically refreshing tokens when cards expire or are reissued, it also minimizes disruption for recurring transactions. This streamlined approach enhances security, cuts costs and makes payment acceptance more efficient for merchants
• Customer Vault:
  Customer Vault safely stores customer card information to enable faster, more secure repeat and future transactions. It maintains a unique gateway token value, which allows merchants to process subsequent repeat and subscription transactions without having to store or re-collect and reenter customers’ sensitive payment data
• Automatic Card Updater:
  Automatic Card Updater seamlessly validates data with card networks on any processor, simplifying operations for your merchants and enhancing customer retention. It works with Customer Vault ensuring that stored payment card information is always up-to-date, reducing the risk of payment declines and improving customer retention
• Level III Advantage:
  Level III Advantage lets you deliver instant access to significant Level II and Level III interchange fee savings. With this platform, we automatically optimize data fields with benchmarked information from our platform and customers’ business and government card transactions to help your merchants qualify for reduced interchange rates
• Electronic Invoicing:
  Our electronic invoicing allows you to gather payments with a single click. Merchants can send invoices through a brand-customizable email, offering customers a variety of ways to pay just by clicking a link. Invoices are generated with detailed line-by-line information, automatically converted to PDFs and emailed directly to customers
• Bill Connect Quickbooks Integration:
  NMI’s integrated Bill Connect solution increases back-end office efficiencies for merchants by connecting seamlessly with QuickBooks Desktop, QuickBooks Online, and Xero accounting software. Integrate secure online payments, bulk payments, payment fees, automated invoicing and reconciliation while consolidating payment providers to reduce costs and workload. This solution ensures robust business growth, increased transactional revenue and stronger partner engagement
• Text-to-Pay Mobile Payments:
  Our mobile payment solution enables merchants to securely request and receive payments via text. This offers a quick and convenient way to complete transactions
• iProcess:
  We offer a mobile application that allows merchants to accept card payments on the go, supporting both Apple and Android devices. This app provides features like digital signatures, tips and geotagged receipts

NMI’s comprehensive payment solutions are designed to benefit a wide range of organizations. We provide flexibility, security and scalability to meet diverse business needs. Here are the key beneficiaries of NMI’s solutions:

• Independent Sales Organizations (ISOs):
  ISOs can drive value and maximize revenue with NMI’s omnichannel payments platform. Our solutions provide full flexibility and control, enabling ISOs to serve their customers effectively across various payment channels. By leveraging our unified merchant underwriting, onboarding and management tools, ISOs can streamline their operations and enhance their service offerings
• Software/Software-as-a-Service (SaaS) Companies:
  Businesses can integrate NMI’s modular, feature-rich embedded payments platform into their applications to offer seamless payment processing capabilities. This integration helps build innovative solutions that enhance customer retention and generate additional revenue streams. Our platform supports various payment methods and ensures secure transactions. That makes it an ideal choice for software companies looking to expand their services                                                 
• Banks:
  Banks can leverage NMI’s solutions to offer advanced payment processing services to their merchant clients. By integrating our secure and reliable payment gateway, banks can help their merchants compete effectively in the market. NMI’s solutions also provide robust fraud prevention tools that ensure safe and compliant transactions, which are critical for banking institutions
• Payment Facilitators (PayFacs):                         
  Payment facilitators benefit from the way NMI’s solutions reduce onboarding friction and manage the full merchant life cycle efficiently. Our platform supports seamless merchant onboarding, comprehensive risk management and flexible payment processing, enabling payment facilitators to scale their operations and provide superior service to their clients
• Other Industry Verticals:
  Various industry verticals, including retail, healthcare, transportation, hospitality and unattended operators, benefit from NMI’s versatile payment solutions. Our platform supports multiple payment methods, including in-person, mobile, ecommerce and unattended payments, making it suitable for businesses across different sectors. With robust integration capabilities for software providers and unattended vertical integrators, we offer secure and efficient payment processing that helps businesses enhance customer experiences and streamline their operations

NMI is dedicated to making payment processing accessible and straightforward for customers who are new to the industry. We provide a range of user-friendly solutions designed for easy implementation and navigation to ensure a smooth transition into the world of payments. Here’s how we support new-to-payments customers:

• Intuitive Onboarding Process:
  NMI’s platform features an intuitive onboarding process that simplifies the setup and integration of payment solutions. Our user-friendly interface guides new customers through each step, ensuring they can get started quickly without needing extensive technical knowledge
• Comprehensive Documentation and Resources:
  We offer detailed documentation, tutorials and support materials to help new customers understand and utilize our payment solutions effectively. This includes integration guides, FAQs and best practice articles that cover every aspect of payment processing. Our extensive resources ensure that new users can easily find the information they need
• Dedicated Customer Support:
  NMI provides dedicated customer support to assist new-to-payments customers with any questions or issues they may encounter. Our support team is available to help with everything from initial setup to troubleshooting and optimization. We ensure a seamless experience for our users
• Scalable Solutions:
  Our solutions are designed to scale with your business. Whether you are just starting or expanding your operations, NMI’s platform can grow with you, providing the flexibility needed to handle increasing transaction volumes and diverse payment needs
• Comprehensive Training Programs:
  NMI offers training programs and webinars that cover the essentials of payment processing and how to make the most of our platform. These educational resources are designed to empower new users and give them the confidence and knowledge they need to manage their payment operations effectively
• User-Friendly Interface:
  The NMI platform is built with a focus on user experience. It features a clean and intuitive interface that makes it easy for new users to navigate and perform essential tasks. This ensures that even those with limited technical expertise can manage their payment processing smoothly

By providing these comprehensive support services and resources, NMI ensures that new-to-payments customers can easily implement and navigate our solutions, enabling them to start processing payments quickly and efficiently.

The NMI Payment Gateway is a comprehensive, white-label solution that enables businesses to accept payments securely and reliably across various channels, including online, in-store, self-service and mobile platforms. We support multiple payment methods and provide features like tokenization for secure handling of cardholder data, point-to-point encryption (P2PE) to protect transaction information and a terminal management system for remote device oversight. Additionally, we enable the onboarding and management of multiple Merchant Identification Numbers (MIDs) within a single account. This streamlines reporting and organizational processes.

NMI Payments is unique because we provide a full commerce solution that supports payments across various channels, including in-store, mobile, online and unattended transactions. We offer flexibility with customizable solutions tailored to business needs and ensure a seamless, secure payment experience by integrating advanced fraud prevention and security features. Our modular design allows businesses to adapt and scale their payment capabilities effectively.

NMI streamlines merchant onboarding by offering tools that simplify payment integration and configuration processes. Our platform ensures a seamless setup with its modular and user-friendly approach, allowing businesses to onboard merchants efficiently while supporting various payment methods and secure transactions.

NMI serves ISOs, software/SaaS companies, banks, payment facilitators and other industry verticals

You can reach NMI through multiple channels:

• Contact Form: Visit our contact page and fill out the contact form with your details.
• Phone: Call their support numbers:
  • US Office: +1 (847) 352-4850 or +1 (800) 617-4850
  • UK Office: +44 (0) 117 930 4455

If you need support from NMI, you can contact their customer service team through several methods:

• Support Portal: Access the NMI Support Portal to submit a ticket or browse our knowledge base
• Phone: Call our support numbers:
  • US Office: +1 (847) 352-4850 or +1 (800) 617-4850
  • UK Office: +44 (0) 117 930 4455

Mobile payments are transactions completed using smartphones or tablets through apps, digital wallets, or contactless EMV technology, offering fast and secure checkout experiences.

NMI’s mobile payment solutions include Tap-To-Pay, iProcess and Text-to-Pay. softPOS, mPOS, and contactless EMV support, along with Apple Pay and Google Pay integrations, enabling merchants to securely accept payments anywhere.

Yes, mobile payments use tokenization, encryption, and EMV security standards to protect sensitive data, making them a safe and reliable option for both merchants and customers.

eCommerce payment processing is the system that enables online businesses to securely accept and authorize digital payments from customers. It involves capturing payment details, routing the transaction through a secure payment gateway or processor, and transferring funds from the customer’s account to the merchant’s. A reliable ecommerce payment processing solution ensures fast, secure, and seamless checkout experiences for online shoppers.

Common payment methods for ecommerce include credit and debit cards, digital wallets (such as Apple Pay and Google Pay), and ACH transfers. Advanced ecommerce payment processing platforms also support recurring billing, tokenized payments, and alternative local payment methods to accommodate global shoppers.

The ecommerce transaction process begins when a customer initiates a purchase online. Their payment details are securely captured and sent through a payment processor for authorization. If approved, the funds are transferred to the merchant’s account. The entire process typically takes just a few seconds, but behind the scenes, it involves encryption, fraud screening, and multiple financial parties to ensure security and compliance.

SoftPOS turns a smartphone or an NFC-enabled tablet into a payment terminal without extra hardware, while mPOS uses a card reader connected to a mobile device. Both offer flexible ways to accept payments on-the-go.

An in-person payment happens when you and your customer are physically face-to-face and the customer taps, dips, or swipes a card, or uses a phone or wearable, on a payment device.

You can accept EMV chip cards, contactless cards, mobile wallets like Apple Pay and Google Pay, as well as smartwatch or QR code payments. Offering several options gives customers flexibility and keeps lines moving.

SoftPOS turns a supported Apple iPhone or Android phone or tablet into a secure contactless card reader. After you download the app and finish a quick verification, customers can tap their card or phone on your device to pay. No extra hardware required.

NMI adopts a multi-layered approach to fraud prevention, offering tailored solutions to meet diverse needs. We provide a Fraud Prevention Suite that enables businesses to establish specific parameters—such as transaction volume per user and maximum charge amounts—to detect and block suspicious activities.

For our Advanced Fraud Protection, we also partner with solutions like Kount to provide an AI-driven fraud prevention solution that analyzes transaction data in real time, assigning risk scores that automatically approve, decline or flag transactions for further review. This advanced system leverages machine learning to provide accurate evaluations of risk and trust, thereby minimizing false declines and increasing revenue by accepting more legitimate orders.

By integrating these comprehensive tools, we empower merchants to effectively safeguard their transactions and maintain customer trust.

Fraud prevention uses advanced security tools, technology and processes to identify and stop fraudulent transactions before they happen. Effective payment fraud prevention is essential for merchants to avoid costly chargebacks, lost revenue and damaging the trust of their customers. NMI’s Fraud Defense Suite delivers multi-layered protection with AI-powered fraud detection, rule-based filters and automatic card testing, to help your merchants minimize losses due to fraud while keeping approval rates high.

Products like Kount Advanced Fraud Protection use artificial intelligence and machine learning to power advanced fraud prevention and fraud detection. By analyzing data from more than 30 billion transactions annually, it evaluates hundreds of signals — such as device fingerprinting, IP geolocation, purchase patterns, velocity checks, and behavioral analytics — to assess risk in real time. Its adaptive AI continuously learns from new fraud tactics, sharing insights across its global network to enhance detection accuracy and reduce false positives for all protected merchants

Kount Advanced Fraud Protection is an AI-driven fraud prevention and detection solution designed for medium to large merchants processing higher transaction volumes. It uses machine learning to analyze data from over 30 billion transactions annually, delivering automated and guided payment fraud prevention and real-time risk scoring with minimal setup. iSpy Fraud, on the other hand, is a rule-based system that lets merchants set their own thresholds and controls for customized protection. It’s a cost-effective option for smaller merchants seeking straightforward fraud prevention without the complexity of AI. Many merchants combine both solutions for layered, comprehensive defense.

Card testing occurs when fraudsters make small transactions to confirm stolen card numbers are valid before attempting larger fraudulent purchases. NMI’s Automatic Card Testing Detection uses advanced algorithms for fraud detection and payment fraud prevention, identifying suspicious behavior such as repeated small transactions, rapid-fire attempts from the same IP, or unusual geographic activity. When detected, the system automatically blocks suspect accounts and alerts merchants in real time, preventing fraudsters from validating stolen cards and safeguarding your business.

Some of the safest online payment methods are:
– Virtual Cards
– Digital Wallets
– Prepaid Cards
These options hide your real card or bank details and add extra protection. That way, even if your info is stolen, your main account stays secure.

Virtual payment solutions are digital tools that let people pay without using cash. They work through websites, apps, or online banking. These systems make it easy and safe to buy things online or send money without needing a physical card or cash.

Payment providers help businesses accept payments from customers. They connect the business, the customer’s bank, and the payment processor. When someone pays, the provider sends the payment details through a secure system so the money reaches the business’s account.

A payment solution is a tool or system that helps businesses accept payments. This can include card readers, online checkouts, or mobile apps. It lets customers pay using different methods, like cash, credit, bank transfers, or even by phone or online.

A payment gateway collects and checks card details during a sale. Then, it sends that info to the processor. A payment solution is the full system businesses use to accept payments. This system encompasses the gateway, software, and tools for online or in-person sales.

Online payment processors take payment details from a gateway and check if everything is correct. Then, they send the info to the bank and card network for approval. Once approved, the money moves from the customer’s account to the business’s account.

Online payment processors take payment details from a gateway and check if everything is correct. Then, they send the info to the bank and card network for approval. Once approved, the money moves from the customer’s account to the business’s account.

Yes. If you accept credit, debit, prepaid, or gift cards online or in person, you need a payment processor. It works with your gateway to move money from the customer’s bank to your business account after each transaction is approved.

A digital payment platform is a system that lets people send or receive money online. It supports bank transfers, eChecks, and wire transfers. These platforms make it easy to pay or get paid without using cash or physical cards.

A payment platform is a digital system that helps move money between people or businesses. It allows secure and easy payments online, in stores, or through apps. These platforms connect banks, cards, and other tools to complete each transaction.

Yes, payment gateways are safe when you use a trusted provider. They protect customer data by using encryption to keep card details secure. This helps keep information from being stolen during online payments or shared with the wrong people.

A payment gateway helps businesses accept payments safely. It sends payment details from a credit card or digital wallet to the bank for approval. It works behind the scenes to make sure each transaction is secure, fast, and goes through correctly.

Look for a gateway that’s easy to set up, works with your website or system, and keeps payments secure. Check the costs, how it connects to your bank or merchant account, and whether it’s hosted or built into your site.

Yes. If you want to take credit card payments online or on a mobile device, you need a payment gateway. It checks the customer’s payment info and helps complete the sale. Without it, you can’t safely process card payments.

A payment gateway encrypts card details and checks for fraud. Then, it sends the payment info to the business’s bank, which passes it to the card network and the customer’s bank. The business receives the money after approval.

A POS (point-of-sale) system is used for in-person payments, like at a store. A payment gateway is used online, where the buyer enters card details on a website or app. Gateways handle payments when the buyer and seller aren’t face-to-face.

You can authenticate a transaction by asking the customer to enter a PIN, password, or use a mobile banking app. Some systems also use biometrics, like a fingerprint, face scan or voice recognition, to confirm the payment is real and secure.

Payer verification checks if the name on a payment matches the name on the bank account. It helps stop fraud and chargebacks. Merchants often use this when setting up direct debit payments to make sure the details are real and correct.

Authentication checks who is making the payment, like asking for a password or fingerprint. Authorization checks if the payment can go through, including if there’s enough money. Both steps help protect against fraud and make sure the transaction is safe and approved.

Payer authentication asks the buyer to confirm their identity through their card issuer. This might include a password, code or face scan. The process uses risk levels to decide how much verification is necessary, helping to stop fraud while keeping checkout streamlined.

In most cases, yes. Authentication checks who the user is, and authorization decides if they can make a payment. Knowing the user’s identity helps systems approve or reject transactions. Some cases need passwords or other steps, while others may not.

The three main types are:
– Role-Based Access Control (RBAC), which gives access based on a person’s role.
– Relationship-Based Access Control (ReBAC), which uses relationships to give access.
– Attribute-Based Access Control (ABAC), which looks at things like location or time to allow or block access.

To authenticate a payment means proving that you are the real cardholder. This step helps stop fraud. You might enter a code, password, or use a fingerprint to show that the payment is real and made by you.

Payment verification checks that the payment info is correct and that the person using it is allowed to. For example, it makes sure the card number, end date, and security code match what the bank has before approving the payment.

Payer identification, or Payer ID, is a number used to send payments or insurance claims to the correct company. Every company has its own Payer ID to ensure claims go to the right place and are handled the right way.

Card authentication checks if a payment card is real. The card reader asks the chip for secure data. Then, the chip sends back a coded answer. The system checks that answer to make sure the card is valid and hasn’t been copied or changed.

Customer verification confirms a user’s identity using personal details, typically during account setup. These details include ID documents or account info. Authentication ensures that the verified person is accessing the service, using methods like passwords, biometrics, or two-factor authentication during logins or transactions.

Two-step verification is a security method that requires two forms of identification to log in. Usually, the forms of identification are something you know, like a password, and something you have, like a phone or code sent by text or app.

Use multi-factor authentication (MFA) when possible for extra security. Start with a strong password, then add a second method like a text code or biometrics. This greatly reduces the chance of unauthorized access.

Advanced Fraud Protection by Kount involves tools and strategies that stop unauthorized or fake transactions. Methods include like identity verification monitoring, and AI analysis to detect suspicious activity and protect both businesses and customers from financial loss.

Software that monitors transactions in real time are key in detecting payment fraud. It looks for red flags like unusual purchase patterns, mismatched location data, or fake account details. Machine learning and rules-based systems help flag or block suspicious activity automatically.

To enable secure payments, use encrypted connections (like HTTPS), strong authentication (like MFA) and fraud detection tools. Regularly update software, follow PCI compliance standards and monitor transactions to catch any unusual or unauthorized activity early.

Online payment fraud occurs when criminals steal payment details like credit card numbers or login info. They then use them to make unauthorized purchases. This occurs through phishing, data breaches, malware or fake websites that trick users into sharing sensitive information.

You cannot store the full credit card number (PAN), CVV/CVC code, or magnetic strip data after authorization. Only limited info, like the last four digits and expiration date, can be stored. Even that, however, must follow strict PCI compliance rules.

Safely store credit card information by using tokenization, encryption, and PCI-compliance storage systems. Never store CVV codes. Use secure, audited third-party payment processors whenever possible to reduce risk and ensure all handling meets industry security standards.

Protect payment card data by using encryption, tokenization and secure networks. Limit data access, avoid storing sensitive info like CVV and follow PCI DSS standards. Be sure to regularly update systems, monitor for threats and train staff on secure data handling practices.

You can keep certain credit card details, like the last four digits and expiration date, but only if you follow PCI DSS rules. Storing full card numbers or CVV codes is not allowed unless you meet strict security requirements.

It’s not illegal to store credit card information, but it must be done under strict PCI DSS (Payment Card Industry Data Security Standard) guidelines. Storing sensitive data like the CVV is prohibited. Failing to follow these rules can lead to legal penalties and data breach risks.

No, it is not legal to store a CVV number after authorization, even if the transaction is approved. PCI DSS strictly prohibits storing CVV data to protect cardholder security and prevent fraud.

The risks of not following PCI standards include data breaches, financial penalties, legal action, and losing customer faith. Non-compliance can expose sensitive card data, leading to fraud and higher costs for security recovery and legal defense.

Interchange is a fee paid by the merchant’s bank to the cardholder’s bank for processing a card payment. It covers handling costs, fraud risk and credit. The fee is set by card networks and varies based on card type, transaction type and industry.

A system interchange refers to the basic routing of transactions between banks and card networks. A service interchange includes added services like fraud tools or analytics. Service interchanges usually have higher fees because they offer more value beyond simple transaction processing.

Interchange rates are set by card networks (like Visa or Mastercard) based on factors such as card type (debit, credit, rewards), transaction method (in-store, online), industry and risk level. These rates balance cost recovery and encourage card acceptance.