The USAePay merchant console signs in at nmi.com/logins. Enter your username and password there to reach the USAePay dashboard — the virtual terminal, transaction history, and reporting. That is a different URL from the NMI gateway, even though USAePay has been owned by NMI since 2021: the two are separate gateway brands on separate platforms, and your account exists on one or the other.
This page covers where to sign in, how USAePay relates to NMI, which console is yours, what to do when sign-in fails, and how to avoid the lookalike phishing pages that target payment merchants. We do not host a login form — a credential field on any domain other than the genuine console is exactly what phishing looks like.
Which console is yours?
USAePay account
Your welcome email or statement names USAePay. Sign in at nmi.com/logins.
NMI gateway account
It names NMI or Merchant Central. Sign in at the NMI gateway login instead.
Reseller-branded
Use the branded URL your provider gave you, on whichever platform they put you.
The console URL, and the API endpoint
USAePay's merchant console is nmi.com/logins — that is where merchants sign in day to day. There is also a secure transaction endpoint at secure.usaepay.com used by integrations and the API, not for routine sign-in. If a reseller provisioned your USAePay account, your sign-in may carry their branding while running on the USAePay platform — the same white-label pattern as NMI.
People also ask about the USAePay login
Is USAePay the same as NMI?
USAePay is owned by NMI — acquired in 2021 — but operates as a separate brand with its own console, API, and sign-in URL. Same parent company, two distinct products. The shared ownership does not merge the logins; an account on one does not work on the other. See our USAePay overview.
I have an NMI account — can I log in at USAePay?
No. An NMI gateway account uses the NMI sign-in (nmi.com/logins or your reseller's branded URL). USAePay accounts use nmi.com/logins. The platforms are distinct; cross-logging-in won't work, and the wrong console will reject your credentials.
I forgot my USAePay password — how do I reset it?
Use the forgot-password link on nmi.com/logins; USAePay emails a reset link to the address on file. On reseller-issued accounts the payment company may manage password policy, so if no email arrives, contact whoever provisioned your USAePay account.
Does USAePay have a mobile login?
The console is browser-based and works on mobile browsers for transaction lookups. For dedicated mobile card acceptance, USAePay offers SDK-based apps through resellers — the mobile experience depends on the app your provider built on the USAePay platform.
When sign-in fails
- Wrong platform. An NMI-account merchant trying nmi.com/logins (or the reverse) sees a valid screen that rejects them. Confirm which platform your account is on.
- Username confusion. The console username is set at account creation — not necessarily your email or merchant ID. Check the welcome email.
- Account locked. Repeated failed attempts lock the user for a cool-off; wait, then reset.
- Reseller-managed access. Credentials that suddenly stop working may mean the provider disabled the user — contact them.
Avoiding USAePay login phishing
An email warns of a held settlement or required verification and links to a page that mimics the USAePay console on a near-lookalike URL. The form harvests credentials in real time. Bookmark nmi.com/logins and sign in only from the bookmark; verify the address bar before typing anything; turn on multi-factor authentication where your reseller offers it.
FAQ
What is the USAePay login URL?
The merchant console is nmi.com/logins. The API/transaction endpoint is secure.usaepay.com. Merchants want the console.
Is it the same login as NMI?
No. USAePay and the NMI gateway are separate platforms under the same owner, with separate consoles and credentials.
My NMI password won't work here — why?
Because your account is on the NMI gateway, not USAePay. Use the NMI login instead.
How do I reset my password?
Use the forgot-password link on nmi.com/logins. On reseller accounts, contact the provider if no email arrives.
What's secure.usaepay.com then?
The API/transaction endpoint for integrations — not the day-to-day merchant sign-in.
Does this site host the USAePay login?
No. We're an independent reference and never collect credentials.