NNMI provides white-labeled payment gateway technology for ISOs, VARs, ISVs, and payment facilitators. Its platform enables partners to offer their own branded payment gateway services to merchants, while handling secure, real-time omnichannel payments (in-store, online, mobile, unattended). Partners access a merchant portal for transaction management, reporting, and analytics. NMI earns revenue through partner fees such as transaction fees, monthly fees, and value-added services. The company differentiates itself by offering a white-label, omnichannel payment gateway with a robust set of tools that partners can rebrand as their own, allowing them to maintain their brand identity while leveraging NMI’s infrastructure. The goal is to empower partner networks to deliver seamless payment services under their own brands at scale.
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Industries
Company Size
501-1,000
Company Stage
Private
Total Funding
$620M
Headquarters
Schaumburg, Illinois
Founded
2000
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Internet credit card merchant account setup guide. Internet merchant accounts require a processor, a secure payment gateway, and SSL-compliant checkout integration to accept cards online. Charge.com sets up accounts with no setup or cancellation fees, rates starting at 0.25%, free software and terminals, and 24/7/365 support backed by 25 years online. Setup requires no setup fees, cancellation fees, or long-term contracts, with Charge.com delivering rates as low as 0.25%. Free payment processing software plus card readers for seamless gateway integration across online, in-person, phone, mail, or fax transactions, backed by 24/7/365 support. Internet merchant accounts enable businesses to accept credit card payments online, connecting retailers, merchant banks, and payment processors like NMI and Authorize.net through secure gateway integration. Charge.com provides free payment processing software, card readers, and rates as low as 0.25%, with no setup fees, cancellation fees, or long-term contracts required for approval. Key takeaways. * Charge.com integrates with major payment gateways including NMI, Authorize.net, Nuvei, and Greenlight Payments seamlessly. * Accept multiple payment methods: credit cards, debit cards, Apple Pay, and Google Pay through one account. * Charge.com's fraud protection tools flag suspicious transactions and provide chargeback protection for ecommerce businesses. * Charge.com guarantees next-day or same-day deposit funding for all processed ecommerce transactions. Specific documentation determines approval speed for an internet credit card merchant account. A merchant account functions as a special bank account that allows a business to accept credit card payments. The online version simply configures that account to process transactions over the internet. Missing paperwork stalls applications and delays the ability to collect revenue from card-paying customers. Preparation shortens that gap considerably. * Business formation records, such as articles of incorporation or a business license * Bank account information for deposits and settlements * Processing history or projected monthly sales volume * Owner identification and tax identification numbers What if a business owner has bad credit? Credit history does not automatically disqualify an applicant. Charge.com works with merchants across varying credit backgrounds, supporting all legal businesses regardless of financial history. Owners with past credit challenges still have a path to approval. How long does document review take? Review timelines depend on how complete the submitted paperwork is. Applicants who gather business formation records, banking details, and identification in advance typically move through underwriting faster than those submitting materials piecemeal. Organized documentation remains the single biggest factor within an applicant's control. How do you set up your account? Opening an internet credit card merchant account with Charge.com follows four concrete steps. None of them carries a setup fee, a cancellation fee, or a long-term contract. Skipping proper setup costs business owners weeks of delayed payments and unnecessary equipment expenses. What does ecommerce merchant account setup involve? Ecommerce merchant account setup starts with an application review based on the merchant's business type and sales volume. Charge.com evaluates the profile and assigns processing terms, including rates that can run as low as 0.25% depending on risk category and transaction history. The applicant then receives free payment processing software and card readers configured for computers and mobile devices, eliminating hardware costs that competitors often pass on to new merchants. * Submit the application. The business owner provides company details, sales channels, and estimated monthly volume. * Receive account approval and equipment. Charge.com issues free software and card readers suited to desktop, online, or mobile acceptance. * Connect a payment gateway. The merchant integrates the account with a platform such as NMI, Authorize.net, Nuvei, or Greenlight Payments to process checkout transactions on a website, mobile app, or shopping cart system. * Activate acceptance across channels. Once integration is complete, the merchant accepts cards online, in person, by phone, by mail, or by fax. Payment gateway or merchant account: what is the difference? A payment gateway transmits transaction data for authorization, while a merchant account holds the actual funds before deposit. Comparing payment gateway vs merchant account functions matters because gateways like NMI or Authorize.net cannot settle funds alone; they require an underlying account. Charge.com supplies both pieces, pairing gateway integration with account approval so merchants avoid managing separate vendor relationships. Low online payment processing rates apply once both components operate together under one agreement. What mistakes should you avoid? Small business owners lose money and customers through four predictable errors. Each one carries a measurable cost, not just a theoretical risk. Overlooking round-the-clock customer support ranks among the costliest oversights. A processing outage at 2 a.m. still stops sales, and a merchant without 24/7/365 support has no way to restore transactions until business hours resume. Selecting an unproven provider instead of one with a sustained top rating ignores years of verified performance. A six-time #1 ranking among internet credit card merchant account providers reflects consistency a newer competitor cannot demonstrate. Does skipping card acceptance really cost that much? Yes. Businesses that never add card acceptance forfeit the sales elevator it generates, estimated at 50 to 500 percent or more. That gap compounds every month a retailer delays an ecommerce merchant account setup. Faq. What documents does Charge.com require before applying? Applicants need business formation records, bank account information, processing history or projected sales volume, and owner identification with tax identification numbers to speed up approval. Does bad credit disqualify a business owner from approval? No, Charge.com supports merchants across varying credit backgrounds and works with all legal businesses regardless of past financial history. What does Charge.com provide for free during setup? Charge.com provides free payment processing software and card readers configured for computers and mobile devices, with no setup fees, cancellation fees, or long-term contracts. Conclusion. In closing, establishing an internet merchant account represents a fundamental business decision that directly impacts operational efficiency and revenue potential. The considerations outlined, from gateway integration to rate structures, underscore the importance of selecting a provider that aligns with your specific transaction requirements and financial objectives. A merchant account partner offering transparent pricing, accessible support, and flexible payment acceptance methods across multiple channels positions your business to process transactions confidently while maintaining cost control and operational simplicity.
NMI has launched an embeddable component suite enabling software platforms to integrate payments directly into their products. The low-code suite includes three components: payments, transaction history, and deposit history, allowing platforms to offer branded payment experiences without building infrastructure from scratch. Available through NMI's integration portal, the suite provides platforms with no-code hosted options, low-code components, or full API control. The portal features developer documentation, a free sandbox, use case guides, and AI-ready documentation for easier implementation. NMI's embedded reporting distinguishes the offering by bringing transaction and deposit reporting into platforms' own user experiences. Customers can view payment details and fund arrival times without accessing separate portals. Platforms can install components, customise appearance through NMI's component studio, and test in a sandbox environment. NMI manages underwriting, compliance, fraud prevention, risk management, and processing, whilst platforms earn payment revenue shares.
NMI launches embeddable component suite for software platforms, AI agents. Sep 9, 2026 9:00 AM Eastern Daylight Time NMI Launches Embeddable Component Suite to Help Software Platforms and AI Agents Add Payments and Grow Revenue New low-code suite gives software platforms branded payment acceptance, transaction history and deposit reporting inside their own products, with AI-ready docs that make implementation faster and easier NEW YORK-(BUSINESS WIRE)-NMI(R), a global leader in embedded payments infrastructure, today announced the launch of its embeddable component suite, a set of low-code, drop-in UI components that help software platforms embed payments directly into their own products. The suite includes three components: payments, transaction history and deposit history. Together, they allow software platforms to offer fully branded payment experience, from transaction visibility to deposit reporting without building payments infrastructure from scratch or redirecting them to a third party. Available through NMI's integration portal, the suite sits within a wider integration framework that gives platforms a choice of no-code hosted options, low-code components or full API control. The portal also includes developer documentation, a free sandbox, use case guides, interactive pricing and guided tools to help teams choose the right path, alongside an AI-ready README that makes NMI's documentation easier for AI agents to access and use. Luis Alfredo Peña Pérez, Director, Product Management at NMI, said: "Software platforms want to offer payments as part of their own product experience, but many do not have the time, resources or payments expertise to build everything themselves. Our embeddable component suite gives them a faster way to launch, maintain brand control and create a clear path to payment revenue." NMI's embedded reporting is a key differentiator. While many payment providers focus on checkout, NMI lets platforms bring transaction history and deposit reporting directly into their own user experience. Customers can see what was paid, when it was processed and when funds are expected to arrive without logging into a separate portal. That creates a more complete, connected product experience. Developers can install the components, customize the look and feel through NMI's component studio and begin testing in a free sandbox. Platforms can start with one component and expand over time, moving from hosted options to low-code components or full APIs as their needs grow. By embedding payments through NMI, software platforms can deliver a more seamless customer experience, reduce payment-related support queries and earn a share of payment revenue. NMI handles the complexity behind the scenes, including underwriting, compliance, fraud prevention, risk management and processing, so platform teams can stay focused on building and growing their own product. The embeddable component suite is available now through NMI's integration portal, where developers can find all the tools and documentation they need to start building an integrated payments solution. Go to nmi.com/dev-experience. About NMI NMI is powering the next era of embedded payments. Processing close to $700 billion annually, NMI gives SaaS platforms, ISOs, banks and fintech innovators the modular, white-label payments infrastructure to accept, manage, price and move money through one platform. Built for partners that want flexibility and control, NMI brings together its industry-leading gateway technology, omnichannel acceptance, merchant onboarding, underwriting, risk and compliance, A2A payments, payouts and AI-powered pricing intelligence. From no-code simplicity to full-control APIs, NMI helps partners move faster, scale smarter and deliver better experiences to their merchants and customers, turning payments into a strategic advantage. More than 6,000 technology partners trust NMI to power seamless payment experiences for over 1.2 million merchants across online, in-app, in-store, mobile and unattended environments. However businesses want to build the future of commerce, they can build it with NMI. Learn more at nmi.com.
NMI and INIT collaboration enhances San Diego Transit System with seamless 'tap-on/tap-off' contactless payments. NMI - The Ticketing Payment Gateway Published: 4 Sep 2026 Germany-based INIT integrates NMI's advanced embedded payment technology into its transit ticketing system, prioritising convenience and security for passengers NMI(R) a global leader in embedded payments, has partnered with INIT, a leading supplier of public transit ticketing solutions, to implement a cutting-edge payment processing solution for the San Diego Metropolitan Transit System (MTS). This collaboration showcases a new "Tap-on/Tap-off" model that enhances both convenience and security for daily commuters on MTS buses and trolleys. The new system has revolutionized how San Diego residents and visitors experience public transit. Passengers can now easily tap their credit or debit card, or use Apple Pay or Google Pay on their mobile devices, at the start and end of their journey, removing the need for traditional tickets or stored-value cards. The fare is automatically calculated to ensure passengers receive the lowest fare possible based on their travel. With 94% of riders expecting public transit to offer contactless payment, transport operators across the U.S. are upgrading to open-loop ticketing systems, where a payment card or mobile device is used in place of a ticket, to streamline the payment process and provide a more seamless passenger experience. INIT used NMI's straightforward API to embed the NMI Gateway into its transport ticketing solution to establish a secure and efficient 'open loop' system. When a passenger 'taps on', the NMI Gateway processes initial authorization and card tokenization, as well as subsequent authorization and settlement at 'tap-off.' The NMI Gateway also handles deferred authorization for any transactions that fail or are declined. All card reader terminals involved in this process are installed and operated under NMI's end-to-end encryption solution, enhancing both physical and transaction security and ensuring compliance with the Payment Card Industry Data Security Standard (PCI DSS). With this partnership passengers benefit from enhanced convenience and safety, as it allows them to pay using their preferred contactless methods while improving security and ease of use. MTS also benefits from advanced fraud prevention measures and protection against stolen card usage as the system is fully PCI DSS compliant. Pete Alcock, Head of Marketing at NMI, said: Partnering with INIT and MTS to bring this innovative payment solution to San Diego's transit system marks a significant step in enhancing transit experiences for passengers through payment innovation and technology. By embedding NMI's card payment technology into INIT's software, a2b Global Media Ltd is streamlining the ticketing and transaction processes for passengers and operators, as well as providing the highest level of security and fraud protection. Its technology not only offers ease of use and enhanced security but also showcases its commitment to advancing public transit systems globally. Andy Singh, Chief Operations Officer, East at INIT, said: Its collaboration with NMI is integral to delivering a system that not only meets the current demands of passengers but also highlights its commitment to advanced ticketing processes through cashless and contactless payments. The partnership between NMI and INIT underscores a shared vision for enhancing public transportation with modern, secure, and convenient payment solutions. As transit operators across the U.S. continue to adopt open-loop systems, this project serves as a model for others aiming to improve passenger experiences and operational efficiency. About NMI. NMI is a global leader in embedded payments, powering more than $203 billion in payment volumes every year. From its industry-leading payment gateway technology to its seamless merchant underwriting, acquiring, onboarding and management platform, a2b Global Media Ltd enable its partners across the entire payments ecosystem. a2b Global Media Ltd help its partners deliver frictionless payment solutions to their customers, offering modularity, flexibility and choice, wherever and however consumers want to pay - online, in-store, in-app, mobile and unattended. And a2b Global Media Ltd is constantly innovating, empowering ISOs, software vendors and payment professionals as they embrace the future of fintech.
NMI, a global embedded payments infrastructure provider, has launched AXIUM SmartPOS, its first all-in-one card-present terminal line for independent sales organisations, independent software vendors, SaaS platforms and their merchants. Built on Ingenico's AXIUM Android platform and integrated with NMI's payment acceptance platform, the solution targets retail, hospitality, food service and field services sectors. The terminal supports chip, swipe, tap and mobile wallet payments, with offline-first architecture allowing transactions during connectivity issues. NMI processes close to $700 billion annually and serves over 6,000 technology partners supporting more than 1.2 million merchants across various payment environments. The solution will support Ingenico's full range of AXIUM devices, with initial models PCI PTS v6 certified through 2032.
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Industries
Company Size
501-1,000
Company Stage
Private
Total Funding
$620M
Headquarters
Schaumburg, Illinois
Founded
2000
Find jobs on Simplify and start your career today