The USAePay merchant login takes you into the USAePay console at nmi.com/logins — the dashboard where merchants key transactions in the virtual terminal, issue refunds, search history, and pull reports. It is the same sign-in as the USAePay login; "merchant login" simply frames it from the merchant's seat. USAePay is owned by NMI but runs as a separate platform, so a USAePay merchant signs in here, not at the NMI gateway.
What the merchant login opens
Once authenticated, a merchant lands on the USAePay console. The default workspace is the virtual terminal — a keyed-entry transaction form — with navigation to reporting, stored cards, recurring billing, and account settings. Which menus appear depends on the permissions the account administrator or reseller granted the user.
- Key transactions in the virtual terminal — sales, auths, refunds, voids.
- Search and export transaction history and batch reports.
- Manage stored cards for repeat and recurring billing.
- Manage users if you are the account administrator.
USAePay merchant login vs. NMI merchant login
USAePay merchant
Signs in at nmi.com/logins — the USAePay console and virtual terminal.
NMI merchant
Signs in at the NMI gateway — Merchant Central. A separate platform under the same owner.
People also ask about the USAePay merchant login
Is it the same as the NMI merchant login?
No. USAePay and the NMI gateway are separate platforms. A USAePay merchant uses nmi.com/logins; an NMI merchant uses the NMI gateway. Your account is on one platform, not both.
What if my password doesn't work?
Confirm you're on the right platform (USAePay vs NMI), check the username from your welcome email, and wait out any lockout from failed attempts before resetting. On reseller accounts, the provider can reset you.
Can multiple users share one USAePay account?
Yes. A USAePay account can have several users with their own usernames and permissions, managed by the account administrator from within the console.
FAQ
What is the USAePay merchant login URL?
nmi.com/logins — the USAePay merchant console. The API endpoint secure.usaepay.com is for integrations, not sign-in.
Same as the NMI merchant login?
No — separate platform under the same owner. NMI merchants use the NMI gateway.
What does it open?
The USAePay console — virtual terminal, transactions, stored cards, and reports.
Does this site collect my login?
No. We're an independent reference and never collect credentials.