NMI vs Stax Connect

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.

Stax Connect provides embedded payments for vertical SaaS teams in field services, professional services, healthcare, education, and nonprofit. It offers hosted components, SDKs, branded dashboards, and merchant enrollment paths ranging from hosted to custom. Platforms can accept payments online and in person, support recurring commerce, and offer cards, Apple Pay, Google Pay, ACH, PayPal, and Venmo. Developer tools include a REST API, JavaScript and Python SDKs, mobile SDKs for iOS and Android, and webhooks for payment and dispute events. Payment operations cover enrollment, transactions, disputes, and deposits, with split funding and same-day or next-day deposits. Platforms can use compliant surcharging, custom fees, and other flexible pricing options to monetize payments. Stax lists PCI compliance at scale, in-house AML/KYC checks, daily monitoring, online status, and controls for suspicious activity. Support includes pre-launch implementation help, sales and marketing support before and after launch, and optional post-launch Tier 1 support. Level 2 processing is available on eligible transactions; some in-person capabilities require a card-present integration. Stax Connect is available on Android, iOS, web, and through an API. Pricing is on request.