What it does
NMI provides embedded-payment infrastructure with merchant onboarding, gateway services and operational management tools. Merchant Central organizes merchant information, while the gateway serves payment collection. Software platforms and payment partners use configured accounts and commercial agreements to operate those services for other businesses.
A partner with Manage Merchant Accounts permission can open My Accounts, Add Merchant and Standard. Enter the company, contact email and username, then select services and a processor. US and Canadian connections may need a processor-supplied configuration sheet.
Review the summary before choosing Create Merchant. The welcome email expires after 24 hours. Activating pending services immediately also starts billing, so check the intended route.
After onboarding, List Accounts and Merchant Accounts show accounts by state, including pending, active, restricted and closed. The list can include creation dates, contacts and the last transaction, with Excel or CSV downloads for operational follow-up.
Partners set setup, recurring and transaction charges for processor connections and additional services. Obtain the merchant schedule from the provider; its wholesale cost is a different amount.
Strengths
- Electronic invoicing can send a PDF with a card or bank-payment link without requiring a separate hosted invoice page.
- Accounting users can receive billing-statement notifications by email.
Watch out for
- Billing-statement visibility must be enabled by the partner before merchants can view it.
Best for
- Software platforms onboarding merchants onto a payment gateway
- Payment partners managing merchant accounts and service activation
Sources
- NMI: Embedded-payment platform and Merchant Central (Oct 27, 2026)
- NMI: Standard merchant gateway onboarding (Oct 27, 2026)
- NMI: Merchant-account states and exports (Oct 27, 2026)
- NMI: Electronic invoice delivery and payment links (Oct 27, 2026)
- NMI: Partner-enabled merchant billing statements (Oct 27, 2026)