Elavon vs NMI
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Interchange-plus merchant processing | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | Infor | QuickBooks, Xero |
| Vendor | Elavon, Inc. | NMI (Network Merchants, LLC) |
Our take
Where Elavon leads
- Stronger evidenced coverage on 8 of the 24 capabilities where they differ (led by in-person pos hardware and settlement & funding reporting).
- Stated Infor integration the alternative doesn't list.
Where NMI leads
- Stronger evidenced coverage on 16 of the 24 capabilities where they differ (led by machine-learning fraud detection and white-label embedded-payments sdk).
- Stated QuickBooks, Xero integration the alternative doesn't list.
Where they differ
The 24 capabilities (of 50 in the payment processing taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Machine-learning fraud detectionFraud, Risk & Authentication | Not evidenced | Core strength Kount AI-driven fraud scoring |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Not evidenced | Core strength Embedded payments platform for ISOs, SaaS platforms and PayFacs; Collect.js, REST APIs/SDKs |
| Point-to-point encryption (P2PE)Tokenization & Security | Not evidenced | Core strength Point-to-Point Encryption |
| In-person POS hardwarePayment Acceptance & Channels | Supported In-person, contactless card acceptance across Converge/Fusebox/CenPOS gateways | Not evidenced |
| Ecommerce storefront pluginsPayment Acceptance & Channels | Not evidenced | Supported Native Shopify integration, 125+ shopping cart integrations |
| Global payoutsGlobal Reach & Money Movement | Not evidenced | Supported Dwolla marketplace seller payouts, loan disbursement and repayment |
| Settlement & funding reportingGlobal Reach & Money Movement | Supported Payments Insider portal, Payments Core 365 data file | Not evidenced |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Not evidenced | Supported Payer Authentication 2.0 (3D Secure) |
| Chargeback & dispute managementFraud, Risk & Authentication | Supported Chargeback management portal with tracking | Not evidenced |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Not evidenced | Supported KYC/KYB/AML compliance automation via MonitorX |
| Compliant credit-card surchargingBilling & Receivables | Supported Credit card surcharging | Not evidenced |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Not evidenced | Supported Merchant Central gives ISOs/software platforms onboarding (digital sign-up, eSign), automated underwriting (ScanX) and compliance (MonitorX) |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Partial PCI DSS compliance validation support offered; not stated as own Level 1 cert | Core strength PCI DSS Level 1 certified continuously since 2005 |
| Network tokenizationTokenization & Security | Not evidenced | Supported Customer Token Vault network tokens |
| Unified transaction dashboardReporting & Reconciliation | Supported Payments Insider portal, multi-device access to reports | Not evidenced |
| Data export & BI connectivityReporting & Reconciliation | Supported Payments Core 365 comprehensive data file for in-house reporting | Not evidenced |
| WebhooksDeveloper Platform & Checkout Tools | Not evidenced | Supported Webhooks for real-time transaction event notifications |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Not evidenced | Supported Collect Checkout, Collect.js low-code JavaScript payment fields |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Not evidenced | Supported SDKs for Windows/Linux, iOS/Android |
| Native ERP module / embedded processingERP & Accounting Integration | Supported CenPOS gateway markets itself as integrating with DMS/ERP systems; documented integration with Infor Distribution FACTS/SX.e | Not evidenced |
| IVR / phone payment acceptancePayment Acceptance & Channels | Partial Mail order / telephone order (MO/TO) acceptance, not an explicit automated IVR product | Not evidenced |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Supported Fraud rule enforcement | Core strength iSpy rules-based fraud detection with custom velocity thresholds |
| Recurring / subscription billingBilling & Receivables | Supported Card-on-file for recurring/repeat transactions | Core strength Recurring billing automation |
| Coverage across multiple major ERPsERP & Accounting Integration | Not evidenced | Partial QuickBooks and Xero only, via Bill Connect (powered by Biller Genie) |
Both grade identically on the other 26 capabilities — see each product's full profile: Elavon, NMI.
Elavon vs NMI — FAQs
Is Elavon or NMI better for ERP integration?
They state different ERP coverage: Elavon lists Infor; NMI lists QuickBooks, Xero.
Which is cheaper, Elavon or NMI?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Elavon and NMI should each cost you — and whether a third option belongs on your shortlist.