NMI
NMI is a global embedded payments enablement platform providing full-stack payment technology with REST APIs for payment processing, tokenization, recurring billing, customer vault management, and payment facilitation across ecommerce, in-person, mobile, and unattended acquisition channels. With over 20 years of operation, NMI connects 1.2 million active merchants, 6,000 channel partners, and 150+ processor connections, processing over $502 billion in annual payments volume.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles NMI the way a machine reads it — 63 machine-readable artifacts across 9 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — NMI scores 47.0/100 (developing), with a separate agent-readiness read of 45/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
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More shapes, themes and sizes → · Score as JSON · How badges work
How we profile NMI
Each block below is one kind of artifact we hold for NMI. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 28
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
NMI Three Step Redirect API
The NMI Three Step Redirect API keeps merchants outside the scope of transmitting sensitive payment data by routing cardholder information directly to NMI servers. Supports tran...
NMI Customer-Present Cloud API
The NMI Customer-Present Cloud API enables browser-based point-of-sale payment processing without software installation. Supports cloud device registration and control, payment ...
NMI Webhook Events API
Here you can find information about webhook events
NMI Affiliates API
The Affiliates API from NMI — 1 operation(s) for affiliates.
NMI Apple Pay API
Here you can find information about endpoints that are related to Apple Pay.
NMI Applications API
Manage merchant applications
NMI Authentication API
The Authorization endpoint allows clients to securely authenticate and obtain an access token for making requests to the API.
NMI Authvia TXT2PAY API
Authvia TXT2PAY® allows your merchants to request payments by text, with no download required. With NMI’s seamless Authvia integration, you can enable your merchants to create n...
NMI Billing & Commission API
The Billing & Commission API from NMI — 2 operation(s) for billing & commission.
NMI Component Sessions API
The Component Sessions API from NMI — 1 operation(s) for component sessions.
NMI Customers API
Customer vault management endpoints
NMI Data and Transaction Reporting API
Query API (query.php) for retrieving transaction, subscription, and invoice data. Intended for existing Classic integrations.
NMI Devices API
Cloud device management and payment request endpoints
NMI Fee Schedule API
The Fee Schedule API from NMI — 2 operation(s) for fee schedule.
NMI Gateway Features API
Gateway Features
NMI Invoicing API
Invoice management endpoints
NMI Marketplace App API
The Marketplace App API from NMI — 1 operation(s) for marketplace app.
NMI Merchants API
The Merchants API from NMI — 4 operation(s) for merchants.
NMI Packages API
Get all the information required for application submissions
NMI Plans API
Recurring payment plan management endpoints
NMI Processors and Services API
Here you can find information about endpoints that provide general services that are useful across a variety workflows.
NMI Products API
Product management endpoints for the Product Manager
NMI Settlement Time API
The Settlement Time API from NMI — 1 operation(s) for settlement time.
NMI Subscriptions API
Subscription management endpoints
NMI Transactions API
Core payment processing operations including credit card, ACH, and cash transactions
NMI Users API
The Users API from NMI — 2 operation(s) for users.
NMI Webhook Events API
Here you can find information about webhook events
NMI Webhook Subscriptions API
Manage Webhook Subscriptions
Scroll within the panel for all 28 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Plans
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Nmi Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Nmi Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
NMI API Rules
SPECTRALJSON Schema 24
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
ACH - Credit
JSON SCHEMAACH - Sale
JSON SCHEMAapplication-document
JSON SCHEMAResponse
JSON SCHEMAConversationAmountInput
JSON SCHEMAConversationCustomerPhoneWithDashes
JSON SCHEMAConversationExpirationDateInput
JSON SCHEMAConversationId
JSON SCHEMAConversationInstructions
JSON SCHEMAResponse
JSON SCHEMACredit Card - Capture
JSON SCHEMACredit Card - Sale
JSON SCHEMAfull-application
JSON SCHEMAResponse
JSON SCHEMAReport Response
JSON SCHEMAResponse
JSON SCHEMAResponse
JSON SCHEMANmiRecordId
JSON SCHEMACollection of Fields
JSON SCHEMApackage-fields
JSON SCHEMApagination
JSON SCHEMAResponse
JSON SCHEMAsubscription
JSON SCHEMAScroll within the panel for all 24 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for NMI — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 9
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 9 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/nmi · machine-readable index on apis.io
This is an independent, third-party profile of NMI, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.