Finix vs NMI
Finix
finix.comNMI
nmi.comSide by side
| Figure | Finix | NMI |
|---|---|---|
| Price from | $250/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 0 |
| Spec score · Embedded Payments Platforms | 7.8 (#8) | 7.7 (#11) |
| Founded | Finix says it was founded in 2015. | 2001 |
| Payment methods | Finix lists cards, bank accounts, digital wallets, and ACH among the payment methods available for online payments. | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. |
| Security | Finix's Trust Center lists PCI DSS, SOC 1, and SOC 2 reports and provides access to security and compliance information. | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. |
| Support | The direct merchant pricing page lists dedicated implementation manager and developer support, plus 24/7 emergency support, among its additional benefits. | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. |
Plans
Finix
- Direct Merchants — Standard$250 a month
- Custom pricingPriced on request
- Platforms — StandardPriced on request
In their own words
Finix
Finix is a payments platform for businesses that accept payments or build payment operations into their own products. Its API and dashboard support online and in-person payments, with online methods including cards, bank accounts, digital wallets, and ACH. Payment Links, a Virtual Terminal, and invoices let businesses take or request payments from the dashboard without a custom integration. Recurring billing tools cover subscriptions, installment payments, membership fees, and recurring donations. Finix lists ecommerce integrations for Shopify, WooCommerce, BigCommerce, Drupal Commerce, Adobe Commerce, PrestaShop, and OpenCart. Its tokenization system is described as PCI-compliant, and its Trust Center provides security and compliance information, including PCI DSS, SOC 1, and SOC 2 reports. The direct merchant Standard plan is $250 a month; transaction and other fees also apply. Listed fees include $30.00 per dispute and a $35.00 monthly PCI non-compliance fee until remediated. A starting price is listed as $2.50/mo.
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.