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

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.

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