NMI vs Authorize.Net — Payment Gateway Comparison 2025
Two of the most established payment gateways in North America, compared feature by feature. This analysis helps merchants, ISOs, and developers choose the right platform for their needs.
Overview
NMI (Network Merchants, Inc.) is a white-label, multi-processor gateway designed primarily for ISOs and resellers. It powers 250,000+ merchants and processes $200B+ annually. Full NMI overview →
Authorize.Net is a gateway owned by Visa (through CyberSource). It is one of the oldest gateways in the US, primarily serving small and mid-sized businesses directly. It connects to a limited set of processors.
Feature Comparison
| Feature | NMI | Authorize.Net |
|---|---|---|
| Gateway model | White-label, multi-processor | Single-brand, Visa-owned |
| Target market | ISOs, ISVs, resellers | SMBs, direct merchants |
| Virtual terminal | ✓ | ✓ |
| Recurring billing | ✓ Customer Vault | ✓ ARB |
| Cart integrations | 125+ | 100+ |
| White-label | ✓ Full rebranding | — Not available |
| Multi-processor | ✓ Multiple acquirers | — Limited |
| Level 3 data | ✓ | ✓ |
| ACH/eCheck | ✓ | ✓ |
| Fraud tools | iSpyFraud module | Advanced Fraud Detection Suite |
| Developer API | RESTful + SDKs | AIM/SIM/DPM + API |
| Mobile SDKs | ✓ iOS, Android | ✓ iOS, Android |
| PCI compliance | Level 1 | Level 1 |
| Pricing model | ISO-negotiated | Published rates + gateway fee |
When to Choose NMI
NMI is the stronger choice if you are an ISO or reseller who needs white-label capability, multi-processor routing, or portfolio management tools. It is also better for merchants who want to work with a specific acquirer rather than being locked into one. The partner portal and merchant onboarding workflow are purpose-built for the ISO model.
When to Choose Authorize.Net
Authorize.Net is simpler for individual merchants who want a plug-and-play gateway without going through an ISO. Its published pricing makes cost estimation straightforward, and its long track record means extensive community documentation and third-party plugins.
Pricing Comparison
NMI pricing is set by your ISO or reseller, so rates vary widely. Authorize.Net publishes a gateway fee of $25/month plus a per-transaction fee. For a detailed breakdown of NMI costs, see our NMI Pricing guide.
Can I switch from Authorize.Net to NMI?
Yes. NMI supports most shopping cart plugins that Authorize.Net uses. Migration involves updating your gateway credentials in your cart settings and may require re-tokenizing stored cards. Your ISO can assist with the transition.
Which gateway has better fraud protection?
Both offer robust fraud tools. NMI uses its iSpyFraud module with customizable rules. Authorize.Net has an Advanced Fraud Detection Suite. The choice depends on your specific risk profile and the level of customization you need.
Also compare: NMI vs Stripe | NMI Payment Gateway overview