Is NMI Right for Small Businesses?
NMI is a B2B gateway via ISOs. Advantages: interchange-plus pricing, full-featured gateway, no seat fees. Considerations: pricing varies by ISO, requires ISO onboarding.
Getting Started
1. Find an ISO
Research ISOs offering NMI. Compare pricing and support. See pricing guide.
2. Apply
ISO submits application. Approval: 1-3 days.
3. Configure
Use NMI Login credentials. Change password, set batch time, create sub-accounts, review fraud filters.
Best Industries
- Retail — terminals + virtual terminal
- Professional services — recurring billing
- Healthcare — payment plans
- Hospitality — auth-and-capture
- Non-profit — donation processing
- E-commerce — 125+ cart integrations
First-Day Checklist
| Task | Why |
|---|---|
| Change password | Security |
| Enable MFA | Prevent unauthorized access |
| Set batch time | Control fund timing |
| Create sub-accounts | Audit trail |
| Review fraud filters | Prevent chargebacks |
| Generate API keys | Cart integration |