An NMI alternative with transparent, published pricing.
NMI is a strong gateway, but it's sold mainly through ISOs and resellers, so your relationship, and your pricing, sit at that reseller layer. CoreGateway publishes its pricing ($20/month plus interchange-plus 0.50% + $0.15), lets merchants sign up directly, and includes the same core gateway features in the standard plan.
Customer vault · Recurring billing
Surcharging · Virtual terminal
What comes standard on the CoreGateway platform.
The CoreGateway platform offers the same core toolkit NMI does, here is the standard feature set, available to merchants and ISO partners alike.
Customer vault included
Tokenize and store cards for returning customers and recurring charges, built in, not a separate add-on module.
Published, transparent pricing
$20/month plus transparent processing you can price out up front, with no rate negotiated through a reseller layer.
Recurring billing + card updater
Subscriptions and payment plans are standard, and the automatic card updater prevents failed charges when a customer's card expires.
Modern REST API
Clean REST and JSON with sandbox keys and clear docs, instead of a legacy XML integration.
Hosted payment page
A drop-in, PCI-friendly checkout (SAQ A) that keeps card data off your servers, included in the standard plan.
Built-in surcharging
Pass the card fee to customers where the law allows, configured right in the gateway, no separate module.
From sign-up to first payment.
Getting started on CoreGateway is straightforward.
Apply and get approved
Submit your business details and get a merchant account with published pricing. Standard low-risk approvals happen in 1 to 2 business days.
Integrate
Build against the REST API for a custom checkout, or drop in the hosted payment page in minutes. Migrate saved cards with the customer vault and set up recurring billing.
Go live
Switch your production traffic to CoreGateway and start processing. Your previous processor stays available as a fallback until you sunset it.
Pick what each merchant actually needs.
Virtual Terminal
Keyed-in payments from any browser. Phone orders, MOTO, ad-hoc charges.
Hosted Payments Page
Branded checkout pages, customizable in minutes.
Invoicing
Branded invoices with pay links. Customize with your brand name, logo, and address.
Recurring & Subscriptions
Flexible schedules, smart retries, Account Updater.
Customer Vault & Card Updater
PCI-scoped tokenization with automatic card refresh on expiration.
L2 / L3 + Surcharging
Interchange optimization on B2B/govt cards, state-rule-aware surcharging.
NMI Alternative FAQ.
When NMI is the better choice.
NMI is a strong, established gateway with a broad reseller and ISV ecosystem and deep enterprise integrations. If you are a platform or ISV that specifically wants NMI's ecosystem, or your processor relationship is already built around it, staying may be the right call. CoreGateway makes more sense for merchants who want to deal with the gateway directly at a published rate, with a partner program still available if you ever want one.
NMI is distributed mainly through resellers, so there is no single public merchant price; the details on this page are structural and current as of July 2026. See nmi.com. Last updated July 2026.
Considering a switch from NMI?
30-minute call. We will look at your current NMI setup, your effective rates, your feature usage, and map a clean path to CoreGateway. If NMI is the right answer for your situation, we will say so.