NMI vs Worldpay for Platforms

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.

Worldpay for Platforms provides embedded payment and financial technology for software platforms through web and API offerings. Its three models are Integrated Payments, PayFac-as-a-Service Pro, and PayFac Developer. Integrated Payments lets a platform refer customers while Global Payments handles onboarding, underwriting, risk, compliance, and servicing. PayFac-as-a-Service Pro supplies pre-built infrastructure for a white-labeled payments experience, with Global Payments supporting underwriting and compliance. PayFac Developer gives the platform control over onboarding and merchant support, plus configurable underwriting and risk models. Listed capabilities include global payment acceptance, flexible payouts, split payments, advanced KYC/AML tools, and full account management. PayFac Developer also includes fraud, risk, and compliance tools, reporting, analytics, and direct data access. APIs are offered for Referral Payments, PayFac-as-a-Service, and PayFac Developer. SaferPayments adds PCI support, quarterly external vulnerability scanning, compliance reminders, breach support, and 24/7 merchant support. Pricing is paid and available on request.