NMI has no single public price, because it is sold through resellers who set their own pricing. In practice an NMI merchant pays a monthly gateway fee plus a small per-transaction gateway fee, layered on top of the processor's interchange-plus processing rate. Two businesses both "on NMI" can pay quite different gateway fees depending on their reseller and volume — so the only authoritative number is the one on your own statement.
What you actually pay for
On top of those, optional add-ons — the Customer Vault, advanced fraud tools, or certain integrations — may carry extra fees depending on how the reseller packages them. None of this is set by NMI directly; the reseller assembles the final price.
Why NMI doesn't publish a price
NMI sells the gateway to the companies that sell to merchants. Each reseller — an ISO, software platform, or PayFac — sets its own merchant pricing on top of the platform. So NMI has no single retail number to publish, the same way a contract manufacturer doesn't set the shelf price of every brand that resells its product. See the white-label model.
People also ask about NMI pricing
How much does the NMI gateway cost?
Expect a monthly gateway fee plus a small per-transaction gateway fee, on top of the processor's interchange-plus rate. The exact figures depend on the reseller and your volume, so there is no universal "NMI price." Your statement itemizes the gateway line.
How do I find out what I'm paying?
Read the statement from your payment company. The gateway fee is a separate line — monthly and/or per-transaction — distinct from interchange and processing. If it isn't clear, ask your reseller to break out the gateway portion.
Is NMI cheaper than building my own gateway?
For nearly everyone, yes. Building and certifying a gateway with processor connections and PCI scope costs far more in time and money than a gateway fee. That trade-off is exactly why the white-label model exists.
FAQ
How much does NMI cost?
No single public price. A monthly gateway fee plus a small per-transaction fee on top of interchange-plus processing; the reseller sets it.
Why no published price?
NMI sells wholesale to partners who set their own merchant pricing, so there's no retail number to publish.
How do I find my cost?
The gateway fee is itemized on your payment company's statement, separate from processing.
Are there add-on fees?
Customer Vault, advanced fraud, and some integrations may cost extra depending on the reseller's packaging.