Adyen vs NMI
Adyen
adyen.comNMI
nmi.comSide by side
| Figure | Adyen | NMI |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 0 |
| Spec score · Embedded Payments Platforms | 9.0 (#1) | 7.7 (#11) |
| Spec score · Payment Gateways | 8.9 (#4) | 7.7 (#26) |
| Founded | 2006 | 2001 |
| Headquarters | Amsterdam, Netherlands | Schaumburg, Illinois, United States |
| Integrations | Adyen provides a Shopify payments-app integration that requires Shopify Checkout Extensibility. | NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors. |
| Payment methods | The online-payments product supports more than 200 payment methods through one integration. | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. |
| Pricing model | Adyen charges a fixed processing fee plus a payment-method fee per transaction, with no setup or monthly fees. | NMI describes partner gateway pricing in terms of a buy rate and partner-defined merchant fees, and says applicable fees are set out in a proposal or fee schedule. |
| Security | Adyen’s help page states that it is PCI DSS v4.0 Level 1 compliant and undergoes an annual external audit by a Qualified Security Assessor. | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. |
| What it does | Adyen provides one payment platform for accepting, optimizing and settling online payments through a single integration. | NMI provides an embedded payments platform with payment gateway, merchant onboarding, underwriting, and management tools. |
Plans
In their own words
Adyen
Adyen is an online payments platform for businesses that accept, optimize, and settle payments through one integration. It offers access to more than 200 payment methods and supports 136 currencies. Businesses can use ready-made Drop-in checkout components or create a custom flow with the API. Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization. Local acquiring through local licenses is presented as a way to improve authorization rates and lower costs. The platform supports recurring and marketplace payments, with payouts in 36 countries. Listed integrations include Adobe Commerce, Salesforce Commerce Cloud, NetSuite, Shopify, and Microsoft Dynamics 365. It is available through web, Android, iOS, and API. Pricing is transaction-based, with no setup or monthly fees and a fixed processing fee plus a payment-method fee for each transaction. The stated starting price is $0.13. Adyen describes its platform as built for global businesses and enterprise payment volume.
NMI
NMI provides an embedded payments platform for accepting and managing payments online, in stores, on mobile devices, and through self-service channels. Its gateway supports recurring billing, batch processing, webhooks, QR code payment links, transaction routing, and a virtual terminal. Checkout options include a customizable Payment Component, hosted payment pages, and a REST API. The Payment Component tokenizes payment details in the browser so sensitive data does not reach the integrator's servers. Supported methods include major card brands, Apple Pay, Google Pay, EMV, and contactless payments; currency availability beyond USD and CAD depends on the processor. NMI describes its customers as ISOs, software companies, and payment facilitators. Merchants generally work through a certified reseller or ISO that configures the gateway and handles the account. Partners can brand the gateway and portals, while Merchant Central combines CRM and underwriting tools for merchant onboarding and lifecycle management. Developer resources include web APIs, hosted pages, and SDKs for iOS, Android, Windows, and Linux. NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent assessments. Pricing is available on request.