NMI vs Worldpay
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based | Interchange-plus, with monthly and contract fees |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | QuickBooks, Xero | SAP |
| Vendor | NMI (Network Merchants, LLC) | Worldpay |
Our take
Where NMI leads
- Stronger evidenced coverage on 10 of the 25 capabilities where they differ (led by virtual terminal and configurable rules-based fraud engine).
- Stated QuickBooks, Xero integration the alternative doesn't list.
Where Worldpay leads
- Stronger evidenced coverage on 15 of the 25 capabilities where they differ (led by local & alternative payment methods and direct / domestic acquiring).
- Stated SAP integration the alternative doesn't list.
Where they differ
The 25 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 | ||
|---|---|---|
| Local & alternative payment methodsPayment Acceptance & Channels | Not evidenced | Core strength 60+ payment methods across 170+ countries, including BLIK and UnionPay |
| Virtual terminalPayment Acceptance & Channels | Core strength Virtual Terminal is a flagship product | Not evidenced |
| Direct / domestic acquiringGlobal Reach & Money Movement | Not evidenced | Core strength Domestic acquiring/processing in 70+ markets |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Core strength iSpy rules-based fraud detection with custom velocity thresholds | Not evidenced |
| Recurring / subscription billingBilling & Receivables | Core strength Recurring billing automation | Not evidenced |
| Marketplace / multi-party split paymentsEmbedded Finance & Platform Payments | Not evidenced | Core strength Automated fund splitting and distribution across marketplace parties |
| Point-to-point encryption (P2PE)Tokenization & Security | Core strength Point-to-Point Encryption | Not evidenced |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Core strength PCI DSS Level 1 certified continuously since 2005 | Not evidenced |
| In-person POS hardwarePayment Acceptance & Channels | Not evidenced | Supported In-store and omnichannel card acceptance |
| Settlement & funding reportingGlobal Reach & Money Movement | Not evidenced | Supported Consolidated reporting across processors, acquirers and gateways |
| Chargeback & dispute managementFraud, Risk & Authentication | Not evidenced | Supported Dispute and chargeback management |
| Electronic invoicing with embedded paymentBilling & Receivables | Supported Electronic Invoicing with one-click payment collection | Not evidenced |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Supported Business Capital, powered by Parafin | Not evidenced |
| Unified transaction dashboardReporting & Reconciliation | Not evidenced | Supported Customizable real-time dashboards by region, method and time period |
| Automated payment reconciliationReporting & Reconciliation | Not evidenced | Supported Real-time reconciliation and transparent per-transaction reporting |
| WebhooksDeveloper Platform & Checkout Tools | Supported Webhooks for real-time transaction event notifications | Not evidenced |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Supported SDKs for Windows/Linux, iOS/Android | Not evidenced |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Supported Worldpay B2B Payments (formerly Paymetric) embeds global payments and tokenization directly into SAP |
| Listed on an official ERP marketplaceERP & Accounting Integration | Not evidenced | Supported Worldpay B2B Payments (formerly Paymetric) listed on the SAP Store |
| Digital wallet acceptancePayment Acceptance & Channels | Supported Tap to Pay on iPhone and Android | Core strength Alipay, PayPal, WeChat Pay, Klarna BNPL |
| Multi-currency processingGlobal Reach & Money Movement | Supported USD, CAD and others | Core strength 135+ supported currencies |
| Global payoutsGlobal Reach & Money Movement | Supported Dwolla marketplace seller payouts, loan disbursement and repayment | Core strength Payouts to bank accounts, cards and wallets in 180+ countries |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Supported Merchant Central gives ISOs/software platforms onboarding (digital sign-up, eSign), automated underwriting (ScanX) and compliance (MonitorX) | Core strength PayFac-as-a-Service with underwriting and compliance handled by Worldpay |
| Network tokenizationTokenization & Security | Supported Customer Token Vault network tokens | Core strength Network payment tokens with cross-region failover |
| Coverage across multiple major ERPsERP & Accounting Integration | Partial QuickBooks and Xero only, via Bill Connect (powered by Biller Genie) | Not evidenced |
Both grade identically on the other 25 capabilities — see each product's full profile: NMI, Worldpay.
NMI vs Worldpay — FAQs
Is NMI or Worldpay better for ERP integration?
They state different ERP coverage: NMI lists QuickBooks, Xero; Worldpay lists SAP.
Which is cheaper, NMI or Worldpay?
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 NMI and Worldpay should each cost you — and whether a third option belongs on your shortlist.