NMI vs PayPal Multiparty Payments
NMI
nmi.comPayPal Multiparty Payments
developer.paypal.comSide by side
| Figure | NMI | PayPal Multiparty Payments |
|---|---|---|
| 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 | 0 | 1 |
| Spec score · Embedded Payments Platforms | 7.7 (#11) | 7.9 (#7) |
| Integrations | NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors. | Multiparty checkout uses the PayPal JavaScript SDK and supports client-side and server-side integration. |
| Payments | The gateway supports online, in-store, self-service, and mobile payments, including EMV and contactless payments. | The platform supports PayPal, Pay Later, Venmo in the US, alternative payment methods, and credit or debit cards through its checkout solutions. |
| Security | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. | PayPal's developer security guidance requires HTTPS for API and SDK requests and says HTTPS is enforced on all endpoints. |
| Support | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. | The developer site lists FAQs, account help, and technical support among its help resources. |
Plans
PayPal Multiparty Payments
- PayPal Complete Payments PlatformPriced on request
In their own words
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.
PayPal Multiparty Payments
PayPal Multiparty Payments is a payment-processing offering within PayPal Complete Payments Platform for marketplaces and other platforms. It supports global seller onboarding subject to local regulations and compliance rules, with payment acceptance, partner fees, foreign exchange, payouts, and dispute and chargeback management. Checkout options include PayPal, Pay Later, Venmo in the US, alternative payment methods, and credit or debit cards. Expanded Checkout adds customizable branded card fields, while its fraud tools can be customized. Multiparty checkout uses the PayPal JavaScript SDK and supports client-side and server-side integration. The platform is available only to approved partners, though sandbox testing is available before approval; advanced card payments also require vetting and underwriting. Multi-merchant orders are limited to 10 purchase units, with a 20-second API response timeout. Platform fees are not supported for first-party integrations. Pricing is on request.