Processors

NMI as a Stripe alternative

NMI is a gateway. On November 9, 2026 the rate line is Set by the reseller. The dispute line is Set by the reseller or processor. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow.

Type: Gateway
Pricing: Quoted
Card rate: Set by the reseller
Dispute fee: Set by the reseller or processor
Payouts: Set by the processor behind the gateway.
Where: Sold through partners. Coverage depends on the processor.
Underwriting: The underlying processor underwrites the merchant.
What it replaces: The gateway layer. You still need a processor.

Pricing page · Website

What is NMI?

NMI is a gateway sold largely through resellers and software vendors. The price a merchant pays is set by that reseller, not by a public NMI rate card. It does not replace the merchant account.

Who should choose NMI?

NMI fits: Software companies and agents that resell a gateway and bring their own processor. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What NMI replaces: The gateway layer. You still need a processor. Look elsewhere when you need something outside that.

Underwriting: The underlying processor underwrites the merchant.

How does NMI charge?

NMI has 0 public standard fee lines in this dataset on November 9, 2026. The headline on the profile is "Set by the reseller" because no single list price was transcribed.

Use NMI's pricing page for any number this dataset left blank. A blank is not zero.

What does NMI cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

NMI does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00.

Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00).

Where does NMI operate?

Coverage: Sold through partners. Coverage depends on the processor. That is where NMI operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does NMI differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. NMI is a gateway with the rate line Set by the reseller and the dispute line Set by the reseller or processor.

NMI sells a quoted or subscription price rather than Stripe's public flat rate. A comparison that invents a percent would be false, so this page leaves the cell blank.

How do you switch from Stripe to NMI?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask NMI, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

Which providers are similar?

These listings share NMI's type. The order is alphabetical, not a rank.

Payoneer: Not a card-checkout rate.
PayPal: 3.49% + $0.49 checkout · 2.99% + $0.49 cards.
QuickBooks Payments: See Intuit.
Razorpay: See Razorpay.

Also read Stripe's fee breakdown and the pricing dataset.

What does NMI publish as its card rate?

NMI's rate line in this directory is Set by the reseller, read on November 9, 2026. Use that line only for the product it describes.

What is NMI's dispute fee?

NMI's dispute line is Set by the reseller or processor. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is NMI the merchant of record?

NMI is a gateway, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise.

Where does NMI operate?

Sold through partners. Coverage depends on the processor. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes NMI has approved.

Should you leave Stripe for NMI?

Only when this is the fit: Software companies and agents that resell a gateway and bring their own processor. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. NMI does not become a yes just because it is on this page.

How much is NMI at $10,000 a month?

NMI has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30.

Which sources were checked?

NMI has no public fee lines in this dataset. Its pricing page is linked below.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.