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NMI - Network Merchant Inc
A developer led gateway and embedded payments provider offering flexible APIs, tokenisation, and multi channel payment solutions for software vendors.
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Exclusive Rates From as Low as 0.26%
About NMI
NMI (Network Merchants Inc.) is a US headquartered payment technology company offering a powerful white label gateway and embedded payments platform. Serving over 3,300 ISVs, fintechs, and ISOs globally, including a growing UK base, NMI enables businesses to control the entire payments experience within their own ecosystem.
NMI focuses on giving software vendors and platforms the tools to offer in-person, ecommerce, unattended, and mobile payments under their own brand. This includes APIs for onboarding, terminal management, reporting, and transaction processing. With over 280+ processor integrations and tokenisation as standard, NMI provides unmatched flexibility for custom workflows.
For UK businesses developing multi channel commerce platforms, including EPOS, booking systems, or industry specific SaaS, NMI offers a modular alternative to Stripe or Worldpay.
Key Features of NMI
Who Should Use NMI?
NMI is ideal for:
- ISVs and SaaS platforms wanting to embed payments
- UK payment facilitators and fintechs
- EPOS providers and booking platforms
- Marketplaces needing branded checkout control
- Kiosk, vending, and parking tech providers
Less suited for:
- Sole traders and micro-merchants
- Businesses wanting a plug and play payment solution without dev resources
Network Merchant Inc Pricing & Comparisons
NMI uses a custom pricing model tailored to the needs of software platforms and ISVs. Costs typically depend on your platform’s volume, required features, and the depth of integration. Most pricing components are modular, allowing you to build a solution that suits your business without paying for unnecessary extras.
Rather than offering a fixed rate like many mainstream providers, NMI gives partners the flexibility to structure pricing based on their own customer models. This means you can layer gateway fees, transaction charges, or add-on services such as tokenisation and fraud tools as needed.
Compared to platforms like Stripe or Adyen, NMI provides greater control but requires more involvement from the developer side. It’s best suited for businesses that want to white-label the experience, work with their own acquiring bank, or create differentiated payment products for vertical markets.
At Compare Card Fees, we help businesses evaluate the cost benefit of NMI against other embedded solutions and assist in negotiating the right setup.
Pros and Cons of NMI
PROS
Total control via APIs and SDKs
Over 280 processor integrations
White label ready for platforms and ISVs
Supports card present and ecommerce flows
Modular pricing and optional feature bundles
Cons
Requires developer integration
Not designed for standalone retailers
No native merchant support or terminal fulfilment
FAQs about NMI
NMI (Network Merchants Inc.) is a white label payment gateway and platform used by ISVs, SaaS companies, and fintechs to offer embedded payments.
Yes, NMI supports UK based platforms and merchants, and integrates with local acquirers like EVO, Fiserv, and Elavon.
NMI integrates with hardware partners but does not supply terminals directly. Devices are sourced through certified partners like PAX and Miura.
Yes, NMI offers tokenisation and recurring billing tools via API, suitable for subscription based software.
ISVs, EPOS developers, kiosk tech firms, and fintech platforms use NMI to control and monetise the payments experience.
Yes. NMI is PCI DSS Level 1 certified and provides PCI scope reducing tools for its partners.
NMI is white label, processor agnostic, and designed for partners to embed and brand payments. Stripe is more plug and play and focused on direct merchant acquisition.
Yes. NMI’s gateway supports vending, parking, and self service terminals with offline processing features.
NMI offers flexible pricing structures, typically combining a monthly gateway fee and per-transaction charge. Acquirer fees are separate.
Yes, we support software platforms through the selection and onboarding process, and help negotiate the best possible partner pricing.
Is NMI Right for Your Platform?
If you’re building a UK software platform and want to control payments under your own brand, NMI is one of the most flexible and developer friendly solutions available. With broad acquirer support, white label tools, and omnichannel capabilities, it’s a strong fit for platforms scaling merchant payments.
While it’s not a quick launch solution for SMEs, for developers and fintechs who want deep control, NMI delivers serious flexibility.
To find out if NMI fits your payment strategy, start your comparison, contact our team now.
Still exploring options? Compare UK payment providers here to find the best fit for your business.
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