Checkout.com vs NMI
Checkout.com
checkout.comNMI
nmi.comSide by side
| Figure | Checkout.com | NMI |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 0 |
| Spec score · Payment Gateways | 8.8 (#7) | 7.7 (#26) |
| Spec score · Embedded Payments Platforms | 8.9 (#3) | 7.7 (#11) |
| Founded | 2012 | 2001 |
| Headquarters | London, United Kingdom | Schaumburg, Illinois, United States |
| Payment methods | Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers. | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. |
| Security | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. |
| What it does | Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform. | NMI provides an embedded payments platform with payment gateway, merchant onboarding, underwriting, and management tools. |
| Who it serves | Checkout.com describes its payment services as built for businesses and says it delivers payments to the world’s biggest businesses. | NMI identifies ISOs and software vendors as key audiences for its embedded payments platform. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
In their own words
Checkout.com
Checkout.com provides businesses with services to accept customer payments and send funds, through multiple payment methods and integration routes. It supports more than 150 processing currencies and local acquiring in over 50 countries. Merchants can take major card schemes, direct debits, vouchers, digital wallets and bank transfers, with recurring and marketplace payments also listed. Integration options include Flow, ecommerce plugins, mobile SDKs for Android and iOS, hosted payment pages and an API; its partner directory names Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Intelligent Acceptance uses an AI engine to optimize payments. Fraud Detection includes network intelligence, machine-learning risk scores, transaction rules, and allow and block lists, with advanced controls and analytics in a Pro tier. Checkout.com says it is PCI DSS Level 1 compliant and its systems are ISO 27001 certified. Pricing is on request and tailored to business profile and risk category; registered charities can receive free processing where the service operates. The company lists Android, iOS, web and API support.
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.