NMI
NMI provides a full-commerce enablement platform that allows you to accept payments across online, in-store, mobile, and self-service channels through a single integrated gateway solution.
Payhip
Payhip is an all-in-one e-commerce platform that allows you to sell digital downloads, online courses, coaching services, memberships, and physical products directly to your customers through a customizable storefront.
Quick Comparison
| Feature | NMI | Payhip |
|---|---|---|
| Website | nmi.com | payhip.com |
| Pricing Model | Custom | Freemium |
| Starting Price | Custom Pricing | Free |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✓ Has free plan |
| Product Demo | ✓ Request demo here | ✘ No product demo |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2003 | 2011 |
| Headquarters | Schaumburg, USA | London, UK |
Overview
NMI
NMI is a versatile commerce enablement platform designed to help you manage payments across every channel your business operates in. Whether you are selling products online, running a brick-and-mortar store, or managing unattended kiosks, you can unify all your transaction data into one central interface. This eliminates the headache of jumping between different providers and gives you a clear, holistic view of your revenue streams and customer behavior.
You can white-label the entire platform to maintain your own branding, making it a favorite for ISOs, ISVs, and payment professionals who want to offer a sophisticated gateway under their own name. The software handles the heavy lifting of PCI compliance and security, allowing you to focus on scaling your operations. With support for over 200 processor connections, you have the flexibility to route transactions wherever they need to go without being locked into a single financial institution.
Payhip
Payhip is a versatile e-commerce platform designed to help you sell any type of digital or physical product with ease. Whether you are launching an online course, selling ebooks, or managing a recurring membership site, you can set up a professional storefront in minutes. The platform handles the technical complexities of file hosting, secure payment processing, and automated delivery so you can focus on creating and marketing your work.
You can integrate Payhip directly into your existing website or use their hosted storefront to build your brand from scratch. It is particularly effective for creators and small business owners because it simplifies global compliance by automatically handling UK and EU VAT. With no monthly subscription fees on the basic plan, you only pay when you make a sale, making it a low-risk solution for growing your online business.
Overview
NMI Features
- Omnichannel Processing Accept payments seamlessly across web, mobile, in-store, and self-service environments using a single, unified integration.
- White-Labeling Apply your own branding to the gateway interface and merchant portal to provide a consistent experience for your clients.
- Advanced Routing Route transactions to different processors based on specific criteria to optimize your processing costs and success rates.
- Customer Vault Store sensitive payment data securely in a PCI-compliant vault so you can process recurring billing and one-click checkouts.
- Automatic Card Suite Keep your recurring revenue flowing by automatically updating expired or replaced credit card information without contacting your customers.
- Fraud Protection Set custom rules and filters to identify suspicious activity and block fraudulent transactions before they impact your bottom line.
- Electronic Invoicing Send professional invoices directly to your customers via email and let them pay instantly through a secure web link.
- Contactless Payments Enable your physical locations to accept Apple Pay, Google Pay, and EMV chip cards for faster, more secure in-person checkouts.
Payhip Features
- Digital Downloads. Upload your ebooks, software, or creative assets and let the platform handle secure file delivery to your customers automatically.
- Online Course Builder. Build and sell beautiful online courses with lessons, quizzes, and certificates to provide a premium learning experience for your students.
- Membership Management. Create multiple membership tiers with recurring payments and exclusive content access to build a steady stream of predictable income.
- Automated VAT Handling. Save hours of administrative work as the platform automatically calculates, collects, and reports UK and EU VAT for your digital sales.
- Affiliate Marketing. Recruit your own team of affiliates to promote your products and only pay them a commission when they generate a sale.
- Customizable Storefront. Design a professional store that matches your brand using the intuitive editor without writing a single line of code.
Pricing Comparison
NMI Pricing
Payhip Pricing
- All features included
- Unlimited products
- Unlimited revenue
- 5% transaction fee
- Custom storefront
- Global VAT management
- Everything in Free, plus:
- Reduced transaction fee (2%)
- Unlimited products
- Unlimited revenue
- All features included
- Email marketing tools
Pros & Cons
NMI
Pros
- Extensive library of over 200 processor integrations
- Highly customizable white-label options for branding
- Reliable uptime and fast transaction processing speeds
- Excellent developer documentation and API flexibility
- Robust reporting tools for multi-channel sales
Cons
- Interface can feel dated compared to newer competitors
- Pricing is not transparent on the website
- Setup process can be complex for beginners
Payhip
Pros
- Access all features on the free forever plan
- Automatic handling of UK and EU VAT compliance
- Extremely simple and fast setup process for beginners
- Supports digital, physical, and subscription-based products
Cons
- Transaction fees on free plan can become expensive
- Limited advanced customization for highly complex websites
- Fewer third-party integrations compared to larger platforms