# The NMI fee schedule your ISO should show you · CheckoutScale > Source: https://checkoutscale.com/reviews/nmi-fee-schedule-your-iso-should-show-you ## Ask the ISO for the NMI schedule before you sign. You are holding an ISO quote that names NMI, and the homepage has no rate you can compare it with. Gateway fees are listed on a schedule in the partner portal. The ISO or software partner who sets up the account is the one with access to that schedule. If the quote includes more than one merchant account, [see how multi-MID routing works](/best/multi-mid-routing) before you sign. It shows the difference between splitting charges inside the gateway and splitting them in the checkout. By [Marcus Reyes](/authors/marcus-reyes), Editor. Published 23 October 2026. ### Where NMI sits between the checkout and the processor The buyer sees a checkout. Behind that page, a gateway carries the card data, and a processor clears the charge on an underwritten account. Those are three jobs. The quote only makes sense once you know which name is doing which one. [NMI's homepage](https://www.nmi.com/) addresses ISOs, software companies, banks and payment facilitators. A merchant usually arrives through one of those partners. The site is built for that audience. [NMI's payments FAQ](https://www.nmi.com/resources/payments-101/faq/) describes a white-label payment gateway for online, in-store, mobile and self-service payments. The same page says the gateway integrates with over 200 payment processors and more than 125 shopping carts. That list is why the name shows up inside an ISO portal or a cart you already pay for. The cart is a separate decision from this bill. If the checkout on the quote is SamCart, the [SamCart review](/reviews/samcart) covers the cart. The schedule in the next section is still the ISO's document. ### NMI payment gateway pricing An NMI payment gateway review usually starts because someone wants a number. The payments FAQ tells a partner to open that merchant's fee schedule in the partner portal when they need the cost breakdown. That schedule gives you the rates you can compare. The schedule has two groups of charges. Gateway transactions, including Tap to Pay, are lines on that schedule. Interchange, card-brand assessments and the processor's markup are set by the processor. The FAQ treats the processing charges as the processor's figures and points the gateway charges back to the portal. A further figure shows up among resellers. In a [Payment Processing thread](https://www.reddit.com/r/PaymentProcessing/comments/18pfngl/nmi%5Fgateway/), a partner who signed up directly with NMI describes a $100 monthly minimum, billed to the partner when boarded merchants fall short on gateway revenue. That report is about the partner's own signup. The rate on your quote is the schedule they give you. ### High-risk merchants and multiple MIDs Merchants in restricted categories usually hear about NMI from an ISO that can place them. [NMI's IntegralPay case study](https://www.nmi.com/resources/case-studies/integralpay-elevates-its-high-risk-merchant-services-with-nmis-white-label-solutions/) describes a merchant-services firm focused on medium- and high-risk ecommerce. The firm white-labels the gateway so it can place those merchants with many processors from a single login. A comment on [Hacker News](https://news.ycombinator.com/item?id=32858338) states the pattern in a single line: "If in fact High risk is necessary then NMI is the most common gateway." The processor's underwriting decides whether your category is approved. The ISO assembles the file. Reserves and monthly caps are terms set in that underwriting, which is why two merchants using the same gateway can face different reserve requirements. Once those accounts exist, several of them can share one NMI login. The FAQ says "we enable the onboarding and management of multiple Merchant Identification Numbers (MIDs) within a single account." On the [payment gateway page](https://www.nmi.com/products/payment-gateway/), Transaction Routing chooses which of those MIDs receives a charge, using the routing directives that are active on that one gateway login. Use the [MID capacity planner](/best/mid-capacity-planner-how-many-merchant-accounts-your-monthly-volume-needs) when you need a count of accounts for this month's volume. Firms that board restricted categories are covered in the [guide to high-risk merchant account providers](/best/best-high-risk-merchant-account-providers-for-online-sellers). ### How NMI payment gateway integration works A custom CRM talks to the gateway through the API. [NMI's getting-started docs](https://docs.nmi.com/reference/getting-started) cover merchant sign-up, payment processing, account management, reporting and webhooks. Account management covers what you are charged and when funds settle. After the merchant is boarded, that is where the portal schedule shows up. The other path is a shopping cart the partner already integrates with. The processor count and the cart count are the FAQ figures above. The partner tells you which of those carts they will enable on the account they are selling. Platforms that connect a gateway like this follow the same [research method](/methodology) as the other checkout tools here. ### NMI payment gateway on Shopify [NMI's Shopify page](https://www.nmi.com/products/payment-gateway/shopify/) documents a plug-in that connects the online store to the gateway. Order statuses update, refunds are tracked, and sales reports appear in the Shopify dashboard, while the charge is processed through the gateway. The homepage sends merchants through a partner, and that partner enables the plug-in on the account they board. The product page describes what appears in the Shopify dashboard. Ask that partner for the installation steps. ### NMI payment gateway on WooCommerce Shopify is the cart with its own NMI product page. WooCommerce does not appear on the gateway page, the payments FAQ or the homepage, so the partner has to name the connector your store will use. ### When NMI beats Stripe for paid traffic Stripe is the account many paid-traffic sellers open first, with one login and a dashboard aimed at the merchant who signed up. After a team holds underwritten accounts and moves the gateway to NMI, a [Payment Processing thread](https://www.reddit.com/r/PaymentProcessing/comments/1o1d1wy/stripe%5Falternative%5Fare%5Fwe%5Fchasing%5Fa%5Funicorn/) describes NMI's dashboard and API as harder to use than Stripe. The quote still names NMI when the offer needs several merchant IDs on one gateway login. Transaction Routing, on the gateway page already cited, sends each charge according to the directives on that account. A single Stripe account remains one merchant relationship, with the dashboard those sellers already use. The [GoHighLevel review](/reviews/gohighlevel) records the channel rule on a mixed stack: Stripe and NMI together are not supported on one channel. PayPal can sit beside one card processor there. [Checkout Champ](/reviews/checkout-champ), [Konnektive](/reviews/konnektive) and [Sticky.io](/reviews/sticky-io) are the continuity checkouts already reviewed here for sellers who hold several accounts. The [reviews hub](/reviews) lists the wider set. Pick the host that already connects to the processor named on your ISO's schedule, and keep the gateway charges on that same schedule. ### What to ask the company that resells NMI ISOs, software companies that embed payments, and specialists such as IntegralPay are the firms that sell this gateway to a merchant. You sign their agreement. They board you with a processor they have already connected. The price becomes a number in that conversation. Ask for these amounts in writing: * Per-transaction gateway fee * Monthly amount per merchant ID * Setup charge * Whether an inactivity fee applies * Fraud tools included on the account * Processors actually connected to that account Compare your quote with the schedule they give you. The direct-signup minimum in the thread above is a cost on the partner's side. If those amounts are missing from the quote, it names the gateway and leaves the figures out. ### My take I'd start with the portal schedule and the processor list, and I'd skip an ISO that cannot produce either. When the quote includes more than one merchant account, [see how multi-MID routing works](/best/multi-mid-routing). ### Sources * [NMI homepage](https://www.nmi.com/) * [NMI payments FAQ](https://www.nmi.com/resources/payments-101/faq/) * [NMI payment gateway](https://www.nmi.com/products/payment-gateway/) * [NMI Shopify plug-in](https://www.nmi.com/products/payment-gateway/shopify/) * [NMI API getting started](https://docs.nmi.com/reference/getting-started) * [IntegralPay case study](https://www.nmi.com/resources/case-studies/integralpay-elevates-its-high-risk-merchant-services-with-nmis-white-label-solutions/) * [Hacker News on high-risk gateways](https://news.ycombinator.com/item?id=32858338) * [Payment Processing thread on a direct NMI signup](https://www.reddit.com/r/PaymentProcessing/comments/18pfngl/nmi%5Fgateway/) * [Payment Processing thread comparing NMI with Stripe](https://www.reddit.com/r/PaymentProcessing/comments/1o1d1wy/stripe%5Falternative%5Fare%5Fwe%5Fchasing%5Fa%5Funicorn/) Written by Last checked 2026-10-23 --- We rank the platforms that build the pages and host the checkout for teams running paid traffic: order bumps, one-click upsells, split-testing whole checkouts, different checkouts per traffic source, and payment routing for high-risk verticals. 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