NMI Gateway Features Built for High-Approval, High Risk Friendly Processing
Customer VaultLevel 1 PCI-certified tokenization for card and ACH details, live since 2004. Card data never touches your servers — authorizations, captures, refunds, and settlements all run off the token instead.
Customer-Present CloudCloud-based EMV and contactless card-present API — no SDKs or driver downloads on in-store PCs, with synchronous or asynchronous processing across a wide range of chip and tap devices.
Electronic InvoicingBrandable email invoices with automatic PDF generation, supporting full and partial payments in multiple currencies while keeping card data off your own systems.
Layered Fraud PreventionProcessor filters, AVS/CVV and duplicate-transaction checks, 3D Secure Payer Authentication, and configurable custom rules — with a review queue and history log for anything flagged.
Multi-MIDsOne gateway account, unlimited MIDs, with intelligent transaction routing by business type, location, currency, or processor — and one consolidated report across all of them.
Recurring BillingThree tiers — traditional single-cardholder billing, expanded plans with bulk updates, and batch upload processing up to 50,000 transactions in about 90 minutes.
Automatic Card UpdaterRoughly 32% of subscription payments fail on expired cards — this refreshes card-on-file data on a schedule, processor-agnostic, on a no-update-no-charge billing model.
Collect CheckoutNo-code hosted checkout buttons and links with QR-code contactless payment, multi-currency support, and per-product tax, discount, and image support.
Who Runs on NMI Through CARDZ3N
NMI is one of the gateways in CARDZ3N's lineup, built to power full-commerce enablement across a wide range of industries — from medical and subscription billing to transportation, education, and nonprofit giving.
Medical & Dental PracticesRecurring treatment plans, Customer Vault card-on-file billing, and Electronic Invoicing for patient balances — one of NMI's core served industries.See Healthcare Payment Solutions
Subscription & Membership BusinessesThree-tier Recurring Billing plus Automatic Card Updater keep membership revenue from leaking to expired or declined cards.See Subscription Payment Solutions
Nonprofits & CharitiesOne-time and recurring donations processed through the same Customer Vault and ACH Payments tools used for standard commerce transactions.Apply for Nonprofit Payment Processing
Transportation & ParkingCustomer-Present Cloud and Multi-MIDs support unattended and multi-location processing across parking and transportation operators.Apply for Transportation Payment Processing
Education & B2B Bill PayElectronic Invoicing and Multi-MIDs handle tuition, fees, and B2B billing across departments or business units on one consolidated account.Apply for Education & B2B Payment Processing
NMI is a full-commerce payment gateway — the software layer that captures card data at checkout or in the virtual terminal and routes it, encrypted and tokenized, through to the processor for authorization. It is one of the gateways in CARDZ3N's lineup: CARDZ3N boards merchants on USAePay, and for the core gateway relationship the preference order is FluidPay first, then NMI. Every NMI account a CARDZ3N merchant runs is quoted and sold through CARDZ3N — never NMI directly.
NMI in the CARDZ3N Stack
NMI is not the only gateway CARDZ3N runs, and it is never sold as a standalone product — CARDZ3N boards merchants on USAePay, and its stated gateway preference for new merchant boarding is FluidPay first, then NMI. NMI earns its place in that lineup on the strength of its value-added services suite: Customer Vault tokenization, layered fraud tools, multi-MID routing, and a full commerce-enablement platform built around a 200+ processor connection network. For merchants who need those specific capabilities, or who are already running on NMI-family infrastructure, it's a genuinely strong option inside CARDZ3N's stack — just one CARDZ3N configures and supports directly, not a self-serve signup with NMI itself.
NMI's own family also includes USAePay, the platform CARDZ3N uses for merchant boarding — NMI acquired USAePay in 2020, and it remains an operationally distinct platform inside the same corporate family. That overlap is part of why NMI integrates cleanly with the rest of CARDZ3N's processing setup rather than sitting off to the side as a bolt-on option.
The Customer Vault & PCI Scope
The Customer Vault is the tokenization backbone of NMI's whole product suite, and it has been Level 1 PCI compliant since 2004. Instead of storing card or ACH details in your own database, the merchant transmits payment info over SSL to a Level 1 PCI-certified facility, which returns a token in its place. Every future charge — authorization, capture, refund, or settlement — runs off that token, so raw cardholder data never sits on your servers at all.
Merchants who want to remove payment data from their own checkout page entirely, not just from storage, can pair the Vault with NMI's optional 3 Step Redirect Method — the checkout keeps your look and feel, but the sensitive fields themselves never pass through your application. Automatic Card Updater, iProcess, SwIPe, and several other NMI value-added products all build directly on top of the Vault, which is why it functions as the shared tokenization layer across the whole gateway, not just a standalone feature.
One vault, every product — Customer Vault tokens are the shared thread connecting Automatic Card Updater, iProcess, SwIPe, and the rest of NMI's suite, so PCI scope reduction isn't a one-off feature, it's the foundation.
NMI by the Numbers
NMI positions itself as a full-commerce enablement platform, and its most current partner-facing figures back that up: over $502B in annual payments volume, more than 6.5B annual transactions, 1.2M+ active merchants, and 150+ processor connections. That processor breadth is the practical reason NMI's routing and Multi-MIDs features hold up under high volume — a declined route or a processor outage doesn't have to take checkout down when there are that many alternate paths configured behind the scenes.
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$502B+ in annual payments volume processed across the NMI platform
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6.5B+ annual transactions and 1.2M+ active merchants on the platform
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150+ processor connections and 300+ EMV device certifications
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Level 1 PCI-compliant Customer Vault tokenization, live since 2004
Frequently Asked Questions
Common questions merchants ask before adding NMI to their CARDZ3N processing setup.
What is the NMI payment gateway?
What is the Customer Vault, and how does it reduce PCI scope?
Does CARDZ3N sell NMI directly, or do I sign up with NMI myself?
How does NMI compare to the other gateways CARDZ3N offers?
Does NMI support recurring billing and subscriptions?
What fraud protection comes with the NMI gateway?
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