NMI (Network Merchants, Inc.) is a full-stack, white-label payment gateway trusted by 277,000+ merchants worldwide. Accept payments online, in-store, mobile, and via virtual terminal — all from one platform, paired with Hip Digital's most competitive processing rates.
A single, flexible platform that handles every payment channel your business needs — built for ISOs, SaaS platforms, high-risk merchants, and growing businesses of all sizes.
NMI integrates with over 200 payment processors and 125+ shopping carts — giving you true freedom to choose the processor that offers the best rates for your business.
Process credit card and ACH payments manually from any web browser — no hardware required. Perfect for businesses that take orders over the phone or by invoice.
NMI's AI-driven iSpyFraud system delivers real-time risk analysis, data tokenization, P2PE encryption, and 3D Secure checkout — keeping every transaction safe and compliant.
NMI's infrastructure has proven its reliability at massive scale. Since 2001, it has been the backbone powering payment operations for thousands of businesses globally.
NMI's omnichannel platform unifies all your payment environments — so whether a customer pays in-store, online, on mobile, or at a self-service kiosk, everything flows through a single account with a single view of your data.
Accept EMV chip, tap-to-pay, swipe, Apple Pay, Google Pay, and ACH transactions across every channel. NMI keeps all your payment data in one place, no matter where the sale happens.
Run multiple merchant accounts, locations, or business entities from a single gateway account. Automatic transaction routing and load balancing happen behind the scenes — no manual work required.
For SaaS platforms, membership businesses, and service providers, NMI makes it effortless to set up, manage, and automate recurring billing — reducing churn and ensuring consistent revenue.
Create and manage subscription billing cycles with ease. NMI securely stores customer card data in an encrypted vault and charges on schedule — with zero manual intervention required.
NMI's PCI-compliant Customer Vault stores cardholder data in an isolated, encrypted environment. Returning customers check out in seconds — no re-entry of card details ever needed.
NMI is the engine behind thousands of branded payment portals. ISOs and software companies can deploy a fully white-labeled gateway — their logo, their colors, their URL — without building infrastructure from scratch.
Apply your own branding to the entire merchant portal — logos, colors, and custom URLs. Your clients experience your brand, backed by NMI's proven, enterprise-grade infrastructure.
ntegrate NMI's modular payment platform directly into your software via robust APIs and SDKs. Monetize payments, boost retention, and deliver a seamless checkout experience inside your own product.
The Clover Mini delivers full-featured POS and inventory management in a compact design — perfect for businesses that need to maximize counter space without sacrificing functionality.
Free up your staff to focus on value-added tasks rather than taking orders.
Let customers browse menus at their own pace and customize their orders the way they want.
Increase restaurant revenue by promoting cross-selling and upselling options on the ordering kiosk.
See how NMI stacks up against the most widely used payment gateways — so you can choose the platform that truly fits your business needs.
ISOs, SaaS Platforms, High-Risk Merchants
API / SDK / White-Label
✓ Yes
✓ Yes
Advanced
SMBs, eCommerce Businesses
API / Hosted Forms
✓ Yes
✓ Yes
Advanced
Developers, Online Businesses
API / SDK
✓ Yes
✓ Yes
Advanced
eCommerce, Marketplaces
API / SDK
✓ Yes
✓ Yes
Basic
ISOs, Agents, Merchant Services
API / POS
✓ Yes
✓ Yes
Basic
Based on 5,000+ real users reviews
From strategy to delivery, Hip.digital exceeded our expectations. They understood our market and built a product that users actually love. Highly recommended!
Meera Banerjee
Co-Founder @ SkillBridge
We needed a robust and scalable system — Hip.digital delivered clean code, fast turnaround, and a transparent workflow. They are now our go-to digital team.
Sameer Kapoor
CTO @ NovaTech Solutions
The Hip.digital team is proactive, creative, and reliable. They helped us refine our product and launch faster. Exceptional design and development expertise!
Akash Verma
Product Director @ CareConnect
Hip.digital made what felt like a complex project seem effortless. The final product is intuitive, fast, and beautifully designed. Definitely a strategic partner we trust.
Leena Desai
Founder @ EduLeap
From strategy to delivery, Hip.digital exceeded our expectations. They understood our market and built a product that users actually love. Highly recommended!
Eric D.
Co-Founder @ SkillBridge
From strategy to delivery, Hip.digital exceeded our expectations. They understood our market and built a product that users actually love. Highly recommended!
Eric D.
Co-Founder @ SkillBridge
"API connected NMI to our CRM in less than a day. Payment status updates our client records automatically. Justin reviewed the integration mapping before we went live to make sure it was right. No issues on go-live day."
Marcus Rodriguez
head of engineering, DataPulse | San Francisco CA
"Dashboard shows every pending and completed transaction in real time. I know where every invoice stands at any given moment. I used to have to run a report to get that information. Now it just lives there."
Michelle Torres
CFO, Torres Consulting | Houston TX
"Nonprofit, donation processing, one-time and recurring gifts. Justin set up our donation workflow specifically for our use case and made sure the recurring gift structure was configured correctly. Low cost, zero friction for donors."
Patricia Nguyen
executive director, Community First Foundation | Denver CO
"Post-appointment billing via text link. AR aging went from 38 days average down to under 8. That's a fundamentally different cash flow picture and it came from one simple workflow change."
Dr. Kevin Pham
veterinary clinic | Seattle WA
"Events across the country, clients everywhere. Remote deposits and final payments through NMI mean I never have to be in the same city as a client to collect. It's solved the geography problem of running a national event company."
Renee Foster
owner, Foster Events & Catering | Charlotte NC
"NMI powers our entire subscription billing stack. API integration, recurring charges, failed payment handling. Tamim helped us get the API connected to our CRM correctly and it's been running without issues since day one."
Jordan Kim
CTO, TaskFlow | SaaS
"50% deposits before breaking ground on any project. NMI makes sending that payment request take about 30 seconds from my phone. No awkward in-person conversation, no waiting. Client pays the link, project gets started."
Tyler Bennett
owner, Bennett Custom Builders | Boulder CO
"Pre-appointment deposits by text link. Patient books, gets a link, pays the deposit, appointment confirmed. No-shows at our dental practice have dropped dramatically. We track this and the data is clear."
Nancy Goldstein
practice manager, Goldstein Family Dentistry | Scottsdale AZ
"Insurance premium collection by phone, by link, or by ACH, all through NMI. Our agency billing process is significantly simpler. Clients appreciate the flexibility and we close more payment interactions on the first attempt."
Sandra Lee
owner, Lee Insurance Group | Sacramento CA
"40 recurring retainer clients. Chad built the recurring billing structure with me during setup and walked me through how to add new clients going forward. I haven't manually invoiced in months. Zero."
Kevin Goldstein Esq.
business law | New York NY
"service invoices go out via text through NMI and about 80% are paid within 2 hours. we used to spend real time chasing invoices for completed jobs. that time is essentially gone now."
Randy Boyd
owner, Boyd's Auto Repair | Charlotte NC
"HVAC technicians in the field all day. job gets done, they send a payment link from their phone, most customers pay within the hour. used to take weeks to collect on completed work. the difference in cash flow is significant."
Carlos Mendez
owner, Mendez HVAC | Dallas TX
"Remote patient billing. We send the payment link after the appointment and the patient pays before the next visit. Our accounts receivable situation is cleaner than it's ever been in 11 years of running this practice."
Dr. Angela Morris
family physician | Atlanta GA
"Our paralegal team takes retainer payments by phone through NMI without any card reader at all. That workflow didn't exist for us before and it's become entirely routine. We process several a day without thinking about it."
James Hargrove Esq.
managing partner, Hargrove & Associates | Chicago IL
If you have any questions or feedback, we’re here to help. Get in touch with our specialized teams by using the links below.
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