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Independent reference

The USAePay Merchant Login, USAePay by NMI Login

USAePay is a white-label payment gateway resold by thousands of payment companies, which makes "where do I log in?" a genuinely confusing question. This guide answers it — and explains what the platform actually does.

Find your USAePay login What the gateway does
200+ connected processors Online, in-person & mobile Since 2001
nmi.com/logins
USAePay LoginGateway sign-in nmi.com/logins
Merchant CentralTransactions & reports Dashboard
USAePayUSAePay-owned, separate console console
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Which sign-in are you looking for?

USAePay runs several products under one roof, each with its own login URL. Pick the one that matches your account.

USAePay Login

The main gateway sign-in at nmi.com/logins, plus how to find your reseller's branded login.

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Merchant Login

Where merchants reach Merchant Central to view transactions and run reports.

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Partner Login

The ISO/reseller portal for managing merchant accounts, residuals, and provisioning.

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USAePay Login

USAePay is USAePay-owned but separate — sign in at its own console, not nmi.com/logins.

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A hand holding US bank notes beside a card payment terminal on a counter — illustrating how the USAePay gateway connects card acceptance to a processor
The platform

USAePay is the gateway behind the brand on your statement

USAePay (Network Merchants, Inc.) is a white-label payment gateway. It moves card transactions between a merchant's website, point-of-sale, or mobile app and the bank that settles the money — across more than 200 connected processors and acquirers.

Because USAePay is sold under partners' own brands rather than directly, most merchants never see the name "USAePay" on their statement — they see their reseller's. That is exactly why sign-in URLs vary so much from one USAePay merchant to the next.

  • The underlying gateway is nmi.com/logins
  • Your portal may live on a branded reseller URL
  • Both open the same Merchant Central dashboard
The products

One integrated payments ecosystem

The same platform powers the gateway, the merchant dashboard, and USAePay's second gateway brand.

Payment Gateway

The core product — tokenization, the Customer Vault, recurring billing, and processor-agnostic routing to 200+ acquirers.

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Merchant Central

The reporting and Virtual Terminal dashboard merchants sign in to day to day to key transactions and pull reports.

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USAePay

USAePay's other gateway brand, acquired in 2021 — a separate console with a strong API, same parent company.

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Why merchants land here

What the USAePay gateway actually gives you

Processor-agnostic

One gateway routes to 200+ processors, so a reseller can change acquirers without changing your software.

Tokenization

The Customer Vault stores cards as PCI-compliant tokens for card-on-file and recurring billing.

Omnichannel

E-commerce, in-person EMV, and mobile run through one platform with unified reporting.

Fraud tools

Velocity rules, AVS/CVV filtering, and the iSpyFraud screening layer are built in.

Recurring billing

Subscription and installment scheduling against vaulted tokens, with retry logic.

Developer API

Three-step and direct-post APIs plus SDKs for embedding payments in software and sites.

200+
Connected processors & acquirers
2001
Founded in Schaumburg, IL
3
Channels: online, in-person, mobile
1
Dashboard — Merchant Central
FAQ

Common questions about USAePay

The questions merchants and partners ask most — short answers, with links to the full guides.

Where do I log in to USAePay?

The USAePay sign-in hub is nmi.com/logins. Because USAePay is white-labelled, many merchants reach the same gateway through a branded URL their reseller provided. If your account came from a payment company rather than USAePay directly, your login page may carry their name while running on USAePay infrastructure. Our USAePay login guide explains how to find yours.

What is USAePay?

USAePay (Network Merchants, Inc.) is a payment-technology company that operates a white-label payment gateway. ISOs, software platforms, and merchants use it to accept card payments online, in person, and on mobile across 200+ connected processors. Founded in 2001, headquartered in Schaumburg, Illinois.

Is USAePay a payment processor or a gateway?

A gateway, not a processor. A processor (Fiserv, Worldpay, TSYS) clears funds with the card networks; the gateway captures, encrypts, tokenizes, and screens the card, then routes it to the processor. USAePay is processor-agnostic, connecting to 200+ acquirers. See the gateway guide.

How much does the USAePay gateway cost?

There is no single public price. USAePay is sold through resellers who set their own pricing, so a merchant pays a monthly gateway fee plus a small per-transaction gateway fee on top of the processor's interchange-plus rate. Your statement itemizes the gateway line.

Why is my USAePay login branded with another company's name?

Because USAePay is white-label. The payment company that sold you the account brands the sign-in screen with their own logo and colors, while the platform underneath is USAePay's. This is normal — most USAePay merchants never see the USAePay name at all.

How do I find my USAePay gateway login URL?

Check the welcome email from whoever set up your merchant account — the gateway URL is almost always there, and often on your processing statement too. A direct USAePay account uses nmi.com/logins. If you can't find it, the reseller that onboarded you can re-send it.

Is USAePay the same as USAePay?

USAePay is owned by USAePay — acquired in 2021 — but runs as a separate brand with its own console. The USAePay gateway proper signs in at nmi.com/logins. Same parent company, two distinct products and two distinct login URLs.

Is this the official USAePay site?

No. This is an independent reference. The official company website is nmi.com and the official sign-in hub is nmi.com/logins. We are not affiliated with, sponsored by, or endorsed by Network Merchants, Inc.