New CEO Steve Pinado outlines NMI’s momentum, expanding ecosystem and vision for the future of embedded payments

NMI®, a global leader in embedded payments infrastructure, announces a record-setting year marked by significant scale, product innovation and continued momentum across its partner ecosystem. The company now powers more than $502 billion in annual payment volume and over 6.5 billion transactions each year, reinforcing its role as a critical payments infrastructure provider for software platforms, independent sales organizations (ISOs), payment professionals and financial institutions worldwide.

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2025 was a milestone year for the NMI team, with the company now powering $502B+ in annual payment volume (Image: NMI).

Over the past year, NMI expanded its reach to 6,000 channel partners, serving over 1.2 million active merchants and supporting approximately 235,000 connected devices across in-store, online, in-app and unattended environments. With more than 150 processor connections, NMI continues to deliver unmatched flexibility, enabling partners to design payment experiences that fit their business models, markets and merchants.

Steve Pinado, Chief Executive Officer of NMI said:

“2025 was a defining year for NMI. We scaled meaningfully, launched products that are already driving real revenue for our partners and continued to prove that flexibility and choice are not buzzwords — they are essential to how modern payments work. Our channel-first approach ensures we build flexible, modular solutions that help our partners grow, and this year demonstrated the impact of that focus.”

Product Innovation Driving Partner and Merchant Growth

NMI expanded its suite of modular payments capabilities designed to help partners move faster, reduce friction and unlock new revenue streams across the payment lifecycle.

Tap to Pay enables partners to turn NFC-enabled mobile devices, such as smartphones and tablets, into secure, contactless acceptance points without additional hardware. Built in collaboration with Mastercard and supported across Android and Apple devices, the solution gives merchants a faster, lower-cost way to accept in-person payments while allowing partners to expand into new use cases with minimal operational complexity.

Network Tokens have emerged as one of NMI’s top solutions for its partners, helping them and their merchants improve authorization rates, reduce fraud and minimize involuntary churn. By replacing sensitive card data with network-issued tokens that automatically update when cards change, network tokens increase transaction reliability and lifetime value, particularly for recurring and subscription-based businesses.

With the launch of Business Capital, NMI expanded beyond payments acceptance to support merchant growth more directly. The solution enables partners to offer fast, flexible access to capital, giving merchants the funds they need to invest in inventory, expansion or day-to-day operations, all within the payments ecosystem they already trust.

All of these capabilities are offered through NMI’s white-label platform, enabling partners to deliver fully branded payment experiences that strengthen customer relationships while NMI operates behind the scenes.

Several of these new offerings are already delivering strong commercial impact. Network Tokens and NMI’s recently launched Shopify integration are now among the company’s fastest growing platform extensions, reflecting growing demand for embedded, frictionless payment capabilities that drive measurable outcomes.

Building on its network of approximately 235,000 connected devices, NMI continued to expand its device ecosystem, supporting new hardware options from Ingenico, IDTECH, Landi and Payter, including the Landi DUET, an all-in-one mobile point of sale solution developed in partnership with Landi, IDTECH, Paysley and TRG. These additions support NMI’s frictionless, end-to-end payments journey, giving partners more choice in how merchants accept in-person payments.

Built for SaaS, Designed for Choice

NMI continued to invest in its developer experience, making it easier for SaaS platforms to embed payments directly into their products. From onboarding and compliance through sign-up to payout, NMI enables software companies to deliver fully integrated payment experiences while maintaining control, flexibility and choice across the entire stack.

Embedded payments are increasingly central to SaaS growth strategies and the NMI platform continues to deliver flexible, modular solutions rather than a rigid, one-size-fits-all mechanism. This approach allows software companies and payments partners to tailor their offerings, adapt quickly and scale without being locked into a single provider or model.

Across processors, devices, value-added services and payouts, NMI provides partners with the flexibility to build payment experiences that evolve alongside their businesses.

Looking Ahead to 2026

Heading into 2026, NMI plans to build on this momentum with continued investment in product innovation, developer tooling and partner enablement. The company will focus on expanding platform capabilities, deepening support for SaaS and embedded finance use cases and delivering even greater flexibility across the payment lifecycle.

“The opportunity ahead of us is enormous,” Pinado added. “We are entering 2026 with strong fundamentals, a growing ecosystem and a clear vision focused on serving our partners in the ever-evolving payment landscape. Our business is built upon helping our partners win by giving them the technology, choice and confidence to build and deliver the solutions of today and tomorrow.”

About NMI

NMI is powering the next generation of embedded payments with its modular payment acceptance platform and industry-leading gateway. Processing over $502 billion annually, we enable SaaS platforms, ISOs, PayFacs and banks to transform payments into a strategic advantage, driving growth, loyalty and new revenue streams.

Our modular, white-label platform puts partners in control, whether embedding payments into software or delivering payment services at scale. From no-code to full control API integrations, and from underwriting to compliance and risk monitoring, NMI handles the complexity so partners can focus on what matters most: their customers.

More than 6,000 technology partners trust NMI to deliver seamless, scalable payment experiences across online, in-app, in-store, mobile and unattended environments. However you are building the future of commerce, build it with NMI. Learn more at nmi.com.

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