Online Payments Overview
Build secure, scalable payment solutions with NMI's comprehensive online payments platform. Whether you're creating a custom checkout experience or need a quick-to-deploy solution, our flexible tools and APIs adapt to your business needs.
Building with AI coding assistant like Claude Code, Cursor, VS Code, or Windsurf? Connect the NMI Developer Docs MCP before you start, so your assistant scaffolds this integration from current NMI docs — the Payment Component + NMI REST API — instead of guessing endpoints.
Setup details: Developer Docs MCP for AI Coding Assistants.
Docs-only — no account or auth. (A config-editing agent can even set up the MCP itself once it reads that page.)
Recommended path: For most integrations, use the Payment Component to capture card, ACH, and digital-wallet details, then process them with the NMI REST API. It is the fastest, most secure, and most flexible way to accept payments—sensitive data never touches your servers.
Our recommended integration. A drop-in, customizable payment UI that tokenizes card, ACH, and digital-wallet data for the NMI REST API—without sensitive data touching your servers.
No development required. Secure, PCI-compliant payment pages hosted entirely on our servers.
Full API control for tailored experiences. Build exactly what your business needs on the NMI REST API.
Choose Your Integration Path
Perfect for: A secure, on-brand checkout with minimal development
The Payment Component drops a customizable payment UI into your site. It tokenizes card, ACH, and digital-wallet details in the browser, then your server processes the token with the NMI REST API—so sensitive payment data never touches your environment.
Benefits:
- ✅ Recommended for most integrations
- ✅ Maintain your brand experience
- ✅ Simplified PCI requirements
- ✅ Secure by design—no card data on your servers
Explore the Payment Component →
The Payment Component enables secure payment capture, while other Embedded Components provide reporting experiences such as transaction and deposit history.
Perfect for: Getting started quickly without development overhead
Our hosted checkout pages provide immediate payment acceptance with zero development effort. All payment processing happens on NMI servers, ensuring your environment never touches sensitive payment data.
Benefits:
- ✅ No PCI compliance burden
- ✅ Built-in security and fraud protection
- ✅ Mobile-optimized experience
- ✅ Launch in minutes, not weeks
Perfect for: Complex workflows and unique requirements
Our NMI REST API provides complete flexibility to build custom checkout flows that align perfectly with your business logic and user experience requirements. Pair it with the Payment Component to keep card data off your servers.
Benefits:
- ✅ Complete customization freedom
- ✅ Advanced workflow capabilities
- ✅ Seamless system integration
- ✅ Full developer control
Payment Methods & Capabilities
💳 Payment Methods
Credit & Debit Cards
Accept all major card brands including Visa, Mastercard, American Express, and Discover with advanced fraud protection.
Digital Wallets
Enable frictionless payments through Apple Pay and Google Pay.
ACH & Bank Transfers
Process direct bank transfers for recurring subscriptions, high-value transactions, or customer preference.
🔄 Recurring Billing & Subscriptions
Automated Billing Cycles
Set up flexible recurring payment schedules with automated retry logic for failed payments.
Subscription Management
Complete lifecycle management including upgrades, downgrades, pauses, and cancellations.
🛡️ Security & Compliance
PCI DSS Compliance
Meet regulatory standards without added complexity through our compliant infrastructure.
Advanced Tokenization
Protect sensitive cardholder data with secure tokenization that enables future transactions.
Fraud Detection & Prevention
Robust fraud monitoring with real-time risk scoring and customizable rules.
📊 Reporting & Analytics
Real-Time Transaction Monitoring
Track payment statuses, settlement data, and customer behavior as it happens.
Comprehensive Reporting
Access detailed transaction reports, reconciliation data, and business intelligence through API or dashboard.
Custom Analytics
Build custom reporting solutions using our robust API endpoints and data export capabilities.
Performance Insights
Understand conversion rates, decline reasons, and optimization opportunities.
Ready to Get Started?
Need Help Choosing?
Our integration options are designed to grow with your business. Start simple with hosted checkout, then migrate to custom implementations as your requirements evolve—all while maintaining the same underlying payment processing capabilities.
Questions? Contact our support team for personalized guidance on choosing the right integration approach for your use case.
Updated 13 days ago