Enable your merchants to launch within minutes.

The NMI platform has built-in payment facilitator (also known as pay-fac) enablement technology, enabling your merchants to launch within minutes by provisioning both the merchant account and gateway services within a real-time manner.


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What are the advantages of becoming a Payment Facilitator?

As a payment facilitator, you can control all aspects of your customers’ experience, beginning with instant onboarding and continuing with ongoing service with expertise in your clients’ vertical and their unique payment processing needs.


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What is Payment Facilitator Technology?

Payment facilitator technology enables your merchants to launch within minutes by providing both the merchant account and gateway services within a real-time manner.


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What is the Payment Facilitator model?

A payment facilitator (aka pay-fac) takes on submerchants, and with minimal friction or delay, boards them through the payment facilitator’s master account. This model enables pay-facs to control all aspects of their customers’ experience, rather than relying on a third party.


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What are the benefits of becoming a Payment Facilitator?

As a payment facilitator, you can control all aspects of your customers’ experience, beginning with instant onboarding and continuing with ongoing service with expertise in your clients’ vertical and their unique payment processing needs.


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How do I become a Payment Facilitator?

NMI has a ready-to-deploy platform that supports a wide range of payment facilitation needs.


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Provide Payment Facilitator Technology & Speed up Time to Market

NMI carries the burden of building and maintaining a cutting-edge pay-fac platform. Get started today.


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NMI Payment Facilitator Enablement (FACe) Technology

Whether you’re a registered payment facilitator, are considering becoming one or simply want to leverage the benefits without officially registering and managing your merchants’ risk, our platform can scale to your business needs.

Payment facilitator enablement (FACe) technology benefits

Hover over the features below to find out more.

Instant Onboarding

More and more businesses are coming to expect a quick and seamless onboarding process without all the underwriting headaches and wait times. Our unified commerce enablement platform can deliver exactly that—a speedy and painless process that enables you to create both a merchant account and platform account in a single step in real-time.

Automated sub-merchant creation & management

The platform collects a few simple data points and communicates them to the processor in real-time to create a sub-merchant account under the “master merchant” ID.

KYC service & reporting

Know Your Customer (KYC) requirements are different for the payment facilitator model, and our platform provides all the tools necessary to manage these KYC requirements, including comprehensive reporting.

Sub-merchant accounting & billing

Set rates as you see fit for each sub-merchant and the platform tracks the credit card processing and platform fees for every merchant.

Sub-merchant statements

Send consolidated statements, which include merchant account and platform fees, to all sub-merchants directly from the platform.

Reconciliation reporting

Our payment facilitator technology provides “gross settlement” statements that make reconciliation painless for sub-merchants.

Autmomated chargeback importation & notifcation

You and your sub-merchants are kept in the loop on any chargeback activity.

Consolidated platform reporting

If you also service merchants with traditional accounts, our payment facilitator technology reporting is fully backwards compatible with any traditional merchants boarded on the platform.

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The Software and Payments Divide is Shrinking

Frequently asked questions about becoming a payment facilitator

Who can use NMI's Payment Facilitator Enablement (FACe) Technology?

NMI's Payment Facilitator Enablement (FACe) Technology can adapt to the needs of many different business models, including ISOs, VARs, ISVs Fintech Innovators, and Payment Facilitators that cater to merchants in most industry verticals.

How does Payment Facilitator Enablement (FACe) Technology work?

FACe is a layer of our unified commerce platform that operates on a sub-merchant basis where merchants no longer require their own MID. Instead, they are directly boarded under a master MID account on our platform. The merchant simply applies by filling out 7-8 key data points. From there, those data points are evaluated by an underwriting tool and approved or declined in real-time. Once approved, the merchant is boarded as a sub-merchant under the master MID account.

Get in touch

Learn more about becoming a payment facilitator:

By submitting this form you agree to receive communications from NMI