The NMI gateway brings card acceptance to phones and tablets through mobile SDKs, Bluetooth-paired EMV readers, and in-app payment APIs. A card can be read by a paired chip/contactless reader for card-present rates, or keyed directly in-app. Either way it is tokenized into the Customer Vault, and the transaction lands in the same Merchant Central reporting as your online and counter sales.
Mobile acceptance suits field sales, delivery, trades, markets, and pop-up retail — anywhere the sale happens away from a fixed counter. Here is how it is put together.
How mobile acceptance works
- The merchant uses an app built on NMI's mobile SDK by their reseller or software vendor.
- The card is captured — tapped or inserted on a paired Bluetooth EMV reader, or keyed in-app.
- The gateway tokenizes and processes the transaction, routing it to the merchant's processor.
- It appears in Merchant Central alongside online and in-person sales for unified reporting.
Where mobile payments fit
Field & delivery
Take payment at the point of delivery or service call, away from a counter.
Markets & pop-ups
Accept chip and contactless at fairs, events, and temporary locations.
Trades & services
Invoice and collect on-site with a phone and a paired reader.
People also ask about NMI mobile payments
Do I need a card reader?
For card-present mobile acceptance — chip and contactless — you pair a Bluetooth EMV reader, which reads and encrypts the card securely for the better card-present interchange rate. For keyed or in-app payments where the customer's card is typed in or already on file, no reader is required; the SDK or API tokenizes the card directly.
Is there an NMI mobile app I download?
NMI provides SDKs that resellers and software vendors embed into their apps, rather than one consumer-facing NMI app. So your mobile experience is whatever your payment company or software vendor built on the platform. If you need a turnkey app, ask your reseller which mobile solution they offer.
Are mobile sales secure?
Yes — paired EMV readers encrypt at the hardware level, and all card data tokenizes into the Customer Vault rather than living on the device. Combined with the gateway's fraud screening, mobile acceptance carries the same protection as the other channels.
FAQ
How does NMI do mobile payments?
Via mobile SDKs, Bluetooth EMV readers, and in-app APIs, with tokenization into the Customer Vault and unified reporting.
Do I need a reader?
For card-present (chip/tap) yes; for keyed or on-file payments, no.
Is there one NMI app?
No — NMI provides SDKs that resellers embed in their own apps. Ask your provider which they offer.
Where do mobile sales report?
In Merchant Central, alongside online and in-person sales.