NMI Payments is a modular, embedded payments platform combining a white-label, PCI-compliant gateway with a full-stack ecosystem for acquiring merchants and processing payments seamlessly across channels. It simplifies merchant onboarding and underwriting, supports payment acceptance in online, in-store, in-app, self-service, mobile, and digital wallet environments, and enables branded experiences through embedded solutions. Merchants benefit from multi-currency and omnichannel support, frictionless authorization, point-to-point encryption, advanced fraud prevention, tokenization, hosted payment pages, virtual terminals, recurring billing, ACH/eCheck, mobile and contactless payments, and automatic account updates and account vault storage. Developers and partners can integrate via flexible SDKs and APIs, use hosted or in-app checkout options (like Collect.js or hosted payment pages), activate 3-D Secure, and receive real-time webhooks and query API data.