Fluid Pay Virtual Terminal vs NMI
Fluid Pay Virtual Terminal
fluidpay.comNMI
nmi.comSide by side
| Figure | Fluid Pay Virtual Terminal | NMI |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Virtual Terminal Software | 7.9 (#8) | 7.6 (#12) |
| Spec score · Payment Gateways | 7.9 (#22) | 7.7 (#26) |
| Founded | 2017 | 2001 |
| Headquarters | Franklin, Tennessee, United States | Schaumburg, Illinois, United States |
| Integrations | Fluid Pay documentation lists REST APIs for transactions, refunds, recurring billing, invoices, batches, customer vault, custom fields, and webhooks. | NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors. |
| Payment methods | Card and ACH payments appear on the same form, share a customer record, and feed into the same reporting. | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. |
| Pricing | The virtual terminal page directs prospective customers to contact Fluid Pay; the company's white-label gateway pricing page describes a one-time activation fee and a monthly platform fee but gives no amounts. | NMI directs pricing inquiries to its sales team; the pages reviewed do not state a standard public price. |
| Support | Fluid Pay lists [email protected] for existing partners and merchants and says engineers triage support tickets directly. | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. |
| What it does | The cloud based virtual terminal processes card and ACH payments from a browser and supports searching, refunding, reconciling, and batching transactions. | NMI provides an embedded payments platform with payment gateway, merchant onboarding, underwriting, and management tools. |
Plans
Fluid Pay Virtual Terminal
- Fluid Pay Virtual TerminalPriced on request
In their own words
Fluid Pay Virtual Terminal
Fluid Pay Virtual Terminal has no write-up on Specifiction yet; its figures are above.
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.