USAePay is a payment gateway owned by NMI, known for its API and developer tooling and used by ISOs and software platforms to accept cards across web, retail, and mobile. NMI acquired USAePay in 2021, but it still runs as a separate brand with its own merchant console at nmi.com/logins — distinct from the NMI gateway. Same parent, two products, two logins.
If you searched for USAePay because that name is on your statement or welcome email, your account is on USAePay rather than the NMI gateway proper. Here is what USAePay is, how the two relate, and where you sign in.
What USAePay is
USAePay is a long-established payment gateway — like NMI, it sits between a merchant's checkout, terminal, or app and the processor that settles the money. It captures the card, tokenizes it, screens for fraud, and routes the transaction onward. Its reputation among ISOs and software vendors was built on a clean API and integration tooling, which made it a common choice for embedding payments into custom and vertical software. It is a gateway, not a processor; it connects to acquirers rather than clearing funds itself.
How USAePay relates to NMI
USAePay
Console at nmi.com/logins. API/developer-focused gateway. NMI-owned since 2021, run as its own brand.
NMI gateway
The flagship NMI white-label gateway with Merchant Central and 200+ processor connections.
Together they give NMI two gateway products to offer partners — useful when a reseller or ISV has standardised on one platform's API. For the NMI side, see the payment gateway guide.
What USAePay offers
API & SDKs
The platform's signature strength for embedding payments in software.
Omnichannel
E-commerce, retail/EMV, and mobile acceptance.
Tokenization
Stored-card vaulting for recurring and card-on-file billing.
Virtual terminal
Keyed-entry transactions in the console for phone and mail order.
Merchant console
Transaction management and reporting at nmi.com/logins.
Fraud tools
AVS/CVV filtering and screening to reduce fraud and chargebacks.
Who uses USAePay
USAePay is sold, like NMI, largely through the reseller channel: ISOs and software vendors who want a gateway with strong APIs to embed in their products or offer to merchants. End-merchants land on USAePay because their payment company or software put them there — which is why the USAePay name may appear on a statement even when the merchant signed up with someone else.
People also ask about USAePay
Is USAePay owned by NMI?
Yes — NMI acquired USAePay in 2021. The brands stayed separate: separate consoles, sign-in URLs, and developer docs. The acquisition put two well-known gateways under one roof rather than merging them.
Is USAePay the same as the NMI gateway?
No. They are sibling products under the same owner. The NMI gateway uses Merchant Central; USAePay uses its own console at nmi.com/logins. An account on one does not sign in to the other.
Where do I sign in to USAePay?
The merchant console is nmi.com/logins. See the USAePay login guide for step-by-step help and troubleshooting.
FAQ
What is USAePay?
An NMI-owned payment gateway with strong API/developer tooling, used to accept cards across web, retail, and mobile. Console at nmi.com/logins.
Is it the same as NMI?
No — separate brand and console under the same owner since 2021.
Gateway or processor?
A gateway. It routes to a processor that clears funds — the same role NMI plays.
Where do I sign in?
nmi.com/logins for the merchant console. See the USAePay login guide.
Why is USAePay on my statement?
Your payment company or software put you on the USAePay platform — common with the reseller model.
Does this site host the console?
No. We're an independent reference. We never collect credentials.