NMI vs PayTrace
A side-by-side look at NMI and PayTrace: pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  NMINo reviews |  PayTraceNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | Set by your acquirer | Custom quote |
| In-person rate | N/A | N/A |
| Keyed-in rate | Set by your acquirer, not by NMI | Custom quote, with Level 2 and Level 3 qualification applied automatically where the data is present |
| International | N/A | N/A |
| ACH / bank | Reseller-set. The SSI rate card for Agvance lists $15.70 per month plus $0.27 per eCheck | Custom quote through Trace ACH, plus a $25 handling fee for each rejected ACH debit |
| Monthly fee | About $10 to $25 | Roughly $15 to $75 |
| Setup fee | Set by the reselling ISO | Varies by reseller |
| Monthly minimum | N/A | Varies |
| Chargeback fee | Charged by the acquiring bank, not by NMI | N/A |
| Pricing model | Subscription, Custom quote | Interchange-plus, Subscription, Custom quote |
| Contract | Month-to-month | Month-to-month |
| Free trial | No | No |
| Payout time | Varies | Next day |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | No |
| Google Pay | Yes | No |
| ACH | Yes | Yes |
| Wallets | Yes | No |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | No |
| Shopify | Yes | No |
| WooCommerce | Yes | Yes |
| Magento | Yes | Yes |
| BigCommerce | Yes | No |
| Mobile SDK | Yes | No |
| Virtual terminal | Yes | Yes |
| POS hardware | Yes | No |
| Payment links | No | Yes |
| Invoicing | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | No |
| Tokenization | Yes | Yes |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | Yes | Yes |
| Company | ||
| Founded | 2001 | 2004 |
| Headquarters | Schaumburg, IL, United States | Spokane, WA, United States |
| Company size | 251-1000 staff | 51-250 staff |
| Regions | US, CA, EU, UK | US |
| PCI level | Level 1 | Level 1 |
| Currencies | Multi-currency processing including USD and CAD, with the usable list set by the connected acquirer | USD for US merchants |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||