NMI vs PayLolly Virtual Terminal

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.

PayLolly Virtual Terminal lets businesses take card payments through an internet-connected device using a browser. PayLolly says it can serve customers anywhere in the world and supports more than 150 payment methods, including Visa, Mastercard, American Express, UnionPay, PayPal, Apple Pay, and Google Pay. Its Smart Routing Engine chooses a payment provider using card, customer, and payment data. Reporting brings transaction information together for KPI reporting, customizable dashboards, and financial report exports. PayLolly states that the service supports over 200 payment processors and 125+ shopping carts, and connects with major shopping carts and e-commerce tools. Businesses can accept payments through no-code payment links, shopping platform integrations, or APIs. Security features listed by the company include PCI DSS Level 1 compliance, a 3DS fraud engine, configurable risk settings, and dispute management. PayLolly says it can set up a Virtual Terminal or Payment Link within hours; website payment integrations typically take a few days. Pricing is available on request, with a described nominal charge for each processed transaction. The company offers a dedicated account manager and 24/7 support.