NMI vs STEPpay Virtual Terminal
NMI
nmi.comSTEPpay Virtual Terminal
coalescesolutions.comSide by side
| Figure | NMI | STEPpay Virtual Terminal |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Virtual Terminal Software | 7.6 (#12) | 6.8 (#24) |
| Company history | NMI says its payment gateway has been a cornerstone of its payments offering since 2001. | Coalesce says it has delivered technology solutions since 2008. |
| Founded | 2001 | 2008 |
| Headquarters | Schaumburg, Illinois, United States | Coalesce says it is headquartered in Memphis, Tennessee. |
| Integrations | NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors. | STEPpay is designed to route transactions to merchant accounts using merchant-defined rules, and the page offers a development and integration partner program. |
| Payment methods | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. | The terminal supports credit card and ACH transactions. |
| Payments | The gateway supports online, in-store, self-service, and mobile payments, including EMV and contactless payments. | Users can set up and process one-time or recurring payments through the terminal. |
| Security | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. | The maker describes tokenization that keeps card and banking information in its vault and says card data is not exposed to merchants. |
| Support | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. | Coalesce lists [email protected] as its support contact. |
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.
STEPpay Virtual Terminal
STEPpay Virtual Terminal has no write-up on Specifiction yet; its figures are above.