# NMI

**Canonical:** https://apis.io/providers/nmi/  
**Website:** https://docs.nmi.com  
**APIs profiled:** 8

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.

## Kin Score — 24.0 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 24.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 26.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 27.4 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 15.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (8)

- **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 ...

## Security (1)

- **Nmi Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Plans**

## Tags

Payments, Payment Gateway, Payment Processing, Tokenization, Recurring Billing, Customer Vault, Fintech, Embedded Payments, Payment Facilitation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nmi/). Scores are computed from the provider's own public artifacts under a published rubric.