NMI

NMI is a global embedded payments enablement platform providing full-stack payment technology with REST APIs for payment processing, tokenization, recurring billing, customer vault management, and payment facilitation across ecommerce, in-person, mobile, and unattended acquisition channels. With over 20 years of operation, NMI connects 1.2 million active merchants, 6,000 channel partners, and 150+ processor connections, processing over $502 billion in annual payments volume.

NMI publishes 6 APIs on the APIs.io network, including Payment API, Customer Vault API, Recurring Billing API, and 3 more. Tagged areas include Payments, Payment Gateway, Payment Processing, Tokenization, and Recurring Billing.

NMI’s developer surface includes developer portal, sandbox, support, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

25.9/100 emerging ▬ flat Agent 18/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessPaid

8 APIs

Payments Payment Gateway Payment Processing Tokenization Recurring BillingCustomer VaultFintech Embedded Payments Payment Facilitation

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 25.9/100 · emerging

Contract Quality 5.7 / 21

Developer Ergonomics 6.3 / 17

Access Clarity 6.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/nmi: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

NMI Payment API

The core NMI Payment API (Direct Post) enables transaction processing across card-present, ecommerce, mobile, and alternative payment methods including Apple Pay and Google Pay....

NMI Customer Vault API

The NMI Customer Vault API enables secure storage and management of customer payment credentials at Level 1 PCI compliance. Supports creating, updating, and retrieving tokenized...

NMI Recurring Billing API

The NMI Recurring Billing API provides subscription and recurring payment management including plan creation, subscription enrollment, billing cycle configuration, and automated...

NMI Query API

The NMI Query API provides transaction data retrieval and reporting capabilities including detailed transaction records, customer data, invoice information, and account reportin...

NMI Merchant Onboarding API

The NMI Merchant Onboarding API enables payment facilitators and ISOs to programmatically onboard merchants through a complete application workflow. Supports application creatio...

NMI Webhooks API

The NMI Webhooks API provides event-driven integration for real-time notifications on transaction events, recurring billing updates, settlements, and chargebacks. Includes webho...

NMI Three Step Redirect API

The NMI Three Step Redirect API keeps merchants outside the scope of transmitting sensitive payment data by routing cardholder information directly to NMI servers. Supports tran...

NMI Customer-Present Cloud API

The NMI Customer-Present Cloud API enables browser-based point-of-sale payment processing without software installation. Supports cloud device registration and control, payment ...

Scroll for all 8

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nmi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

Integration Portal

Integration Portal

Sandbox

Sandbox

Build 1

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

Contact

Contact

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 1

The organization behind the API

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Developer Experience

Developer Experience

Source (apis.yml)

name: NMI
description: NMI is a global embedded payments enablement platform providing full-stack payment technology with REST APIs
  for payment processing, tokenization, recurring billing, customer vault management, and payment facilitation across ecommerce,
  in-person, mobile, and unattended acquisition channels. With over 20 years of operation, NMI connects 1.2 million active
  merchants, 6,000 channel partners, and 150+ processor connections, processing over $502 billion in annual payments volume.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nmi.png
url: https://raw.githubusercontent.com/api-evangelist/nmi/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Payments
- Payment Gateway
- Payment Processing
- Tokenization
- Recurring Billing
- Customer Vault
- Fintech
- Embedded Payments
- Payment Facilitation
apis:
- name: NMI Payment API
  description: The core NMI Payment API (Direct Post) enables transaction processing across card-present, ecommerce, mobile,
    and alternative payment methods including Apple Pay and Google Pay. Supports authorization, sale, capture, refund, void,
    credit, and validation operations with credential-on-file and partial payment support.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/reference/getting-started
  baseURL: https://secure.networkmerchants.com
  tags:
  - Payments
  - Transaction
  - Authorization
  - Refunds
  tags_raw:
  - Payments
  - Transactions
  - Authorization
  - Refunds
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  - type: Sandbox
    url: https://docs.nmi.com/docs/sandbox-testing
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Customer Vault API
  description: The NMI Customer Vault API enables secure storage and management of customer payment credentials at Level 1
    PCI compliance. Supports creating, updating, and retrieving tokenized customer payment profiles for recurring use without
    storing raw card data.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/reference/getting-started
  baseURL: https://secure.networkmerchants.com
  tags:
  - Tokenization
  - Customer Vault
  - PCI Compliance
  - Storage
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Recurring Billing API
  description: The NMI Recurring Billing API provides subscription and recurring payment management including plan creation,
    subscription enrollment, billing cycle configuration, and automated payment scheduling. Supports daily and monthly frequency
    options with customizable payment counts and amounts.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://support.nmi.com/hc/en-gb/articles/14525725002385-API-Recurring-Payments-and-Subscriptions
  baseURL: https://secure.networkmerchants.com
  tags:
  - Recurring Billing
  - Subscription
  - Plans
  - Billing
  tags_raw:
  - Recurring Billing
  - Subscriptions
  - Plans
  - Billing
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Query API
  description: The NMI Query API provides transaction data retrieval and reporting capabilities including detailed transaction
    records, customer data, invoice information, and account reporting with customizable query parameters for data downloads
    and analytics.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/reference/getting-started
  baseURL: https://secure.networkmerchants.com
  tags:
  - Reporting
  - Transaction
  - Analytics
  - Query
  tags_raw:
  - Reporting
  - Transactions
  - Analytics
  - Query
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Merchant Onboarding API
  description: The NMI Merchant Onboarding API enables payment facilitators and ISOs to programmatically onboard merchants
    through a complete application workflow. Supports application creation and submission, automated risk review, real-time
    approval status monitoring, document upload, legal consent management, and provisioning of Gateway and Merchant IDs.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/reference/getting-started
  baseURL: https://secure.networkmerchants.com
  tags:
  - Merchant Onboarding
  - Payment Facilitation
  - ISO
  - KYC
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Webhooks API
  description: The NMI Webhooks API provides event-driven integration for real-time notifications on transaction events, recurring
    billing updates, settlements, and chargebacks. Includes webhook registration management, event configuration, and retry
    logic for reliable event delivery.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/reference/getting-started
  baseURL: https://secure.networkmerchants.com
  tags:
  - Webhook
  - Event
  - Notification
  - Real-Time
  tags_raw:
  - Webhooks
  - Events
  - Notifications
  - Real-time
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs
  - type: OpenAPI
    url: https://docs.nmi.com/reference/getting-started
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Three Step Redirect API
  description: The NMI Three Step Redirect API keeps merchants outside the scope of transmitting sensitive payment data by
    routing cardholder information directly to NMI servers. Supports transaction, recurring billing, and customer vault operations
    with reduced PCI compliance scope for merchants.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://secure.networkmerchants.com/gw/merchants/resources/integration/integration_portal.php
  baseURL: https://secure.networkmerchants.com
  tags:
  - Payments
  - PCI Compliance
  - Redirect
  - Tokenization
  properties:
  - type: Documentation
    url: https://secure.networkmerchants.com/gw/merchants/resources/integration/integration_portal.php
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
- name: NMI Customer-Present Cloud API
  description: The NMI Customer-Present Cloud API enables browser-based point-of-sale payment processing without software
    installation. Supports cloud device registration and control, payment requests on connected devices, device prompts including
    menu, signature, and yes/no interactions, and QR code display for in-person payment scenarios.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.nmi.com/docs/introduction-to-the-customer-present-cloud-api
  baseURL: https://secure.networkmerchants.com
  tags:
  - In-Person Payments
  - Point-of-Sale
  - Device Management
  - Cloud POS
  tags_raw:
  - In-Person Payments
  - Point of Sale
  - Device Management
  - Cloud POS
  properties:
  - type: Documentation
    url: https://docs.nmi.com/docs/introduction-to-the-customer-present-cloud-api
  contact:
  - FN: NMI Developer Support
    url: https://support.nmi.com
    email: ''
common:
- type: DomainSecurity
  url: security/nmi-domain-security.yml
- type: Portal
  url: https://docs.nmi.com
- type: Developer Experience
  url: https://www.nmi.com/dev-experience/
- type: SDKs
  url: https://www.nmi.com/payment-gateway-sdks-apis/
- type: Integration Portal
  url: https://secure.networkmerchants.com/gw/merchants/resources/integration/integration_portal.php
- type: Sandbox
  url: https://docs.nmi.com/docs/sandbox-testing
- type: Support
  url: https://support.nmi.com
- type: Blog
  url: https://www.nmi.com/blog/
- type: Contact
  url: https://www.nmi.com/about-us/contact-us/
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/nmi/refs/heads/main/plans/plans.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/nmi/refs/heads/main/rate-limits/rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/nmi/refs/heads/main/finops/finops.yml
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com
  email: info@apievangelist.com

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