How NMI Pricing Works
NMI doesn't publish a single price list. Costs are set by your ISO agreement. Two merchants can pay different rates based on volume, ticket size, and risk profile.
Pricing Models
Interchange-Plus
Most transparent: interchange rate + fixed markup. Preferred for high volume.
Tiered
Qualified/mid-qualified/non-qualified tiers. Simpler but less transparent.
Flat Rate
Fixed percentage (e.g., 2.9%+$0.30). Simplest but costlier at scale.
Typical Fees
| Fee | Range |
|---|---|
| Per-transaction | $0.05-$0.30 |
| Monthly gateway | $0-$25 |
| Batch settlement | $0-$0.25 |
| PCI compliance | $0-$99/yr |
| Chargeback | $15-$25 |
| Interchange | 1.5%-3.5% |
What to Negotiate
Markup above interchange, per-transaction fees, monthly minimums, contract length, ETF, PCI inclusion. See small business guide.
NMI vs Stripe Pricing
Stripe flat 2.9%+$0.30 simpler at low volume. NMI interchange-plus cheaper at scale. See comparison.