USAePay
USAePay is a Los Angeles-based online payment gateway supporting the credit card processing industry through white-label, API-driven embedded payment infrastructure for ISOs, SaaS platforms, banks, and merchants across eCommerce, in-person, and unattended channels.
- Company typePrivate
- Founded2004
- HeadquartersLos Angeles, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What USAePay does
USAePay is a Los Angeles-based private payment gateway platform that supports organizations operating in the credit card processing industry with white-label, embedded, and API-driven payment acceptance infrastructure. According to the firmographic record, the company was founded in 1998 and operates with a headcount in the 251–500 range. The platform connects to a broad payments ecosystem with documented integrations to 150+ payment processors and 300+ EMV device certifications, supporting eCommerce, in-person, mobile, and unattended/self-service payment acceptance.
The broader product surface, drawn from the NMI group umbrella under which USAePay operates, is a modular embedded payments platform consisting of three core pillars: a customizable Payments platform that enables partners to find, qualify, acquire, and onboard merchants while sharing in net payment revenue; Merchant Central, a payments CRM and underwriting suite covering pipeline management, sign-up and onboarding, underwriting, boarding, reporting, residuals management, helpdesk, and embedded business capital; and a white-label Payment Gateway with fraud defense and a marketplace of value-added services. Acquired subsidiaries Dwolla (June 2026) and Fee Navigator (June 2026) extend the platform into ACH and real-time payment rails and AI-powered pricing intelligence respectively. Developer tooling includes pre-certified EMV kernels, SDKs and APIs, sandbox access via the Integration Portal, and full technical documentation.
The business model combines transaction-based fees from payment processing with recurring subscription revenue from gateway and platform services. Pricing is quote-based and module-driven, billed monthly, reflecting the enterprise and mid-market positioning of the partner base. Distribution is layered across three GTM motions: enterprise field sales targeting large ISOs, banks, and payment facilitators; a channel model with approximately 6,000 ISOs, software vendors, and resellers that white-label the technology; and a developer-led, API-first self-service motion targeting SaaS platforms building embedded payments. The company processes $502B+ in annual payments volume across 1.2M+ active merchants on 235K+ connected devices, with leadership held by CEO Ben Goretsky, Founder & CFO Alex Goretsky, and CTO Tim McEwen.
USAePay firmographics
Firmographics- Name
- USAePay
- Legal name
- Network Merchants Ltd.
- Website
- https://usaepay.info
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- USAePay is a Los Angeles-based online payment gateway supporting the credit card processing industry through white-label, API-driven embedded payment infrastructure for ISOs, SaaS platforms, banks, and merchants across eCommerce, in-person, and unattended channels.
- Ownership category
- akta.pro rank
USAePay industry classification
Industry- Product category
- Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Payment Gateways & API Connectivity (FSAGABAB), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
Keywords
Where USAePay is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
USAePay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Payment Processing Revenue: NMI generates revenue by enabling payment processing across card, bank, and real-time payment rails. Partners share in net payment revenue based on transaction volume processed through the platform.
- Gateway and Platform Services: White-label gateway solutions and platform services provided to ISOs, software vendors, banks, and payment facilitators, with modular pricing based on feature access.
- Residuals Management: Partners earn residuals on merchant transaction volume; NMI automates payout calculations and distributions through its platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Custom enterprise pricing based on transaction volume and required modules |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
USAePay product offering
Product offeringCore offering
USAePay is an online payment gateway that supports platforms in the credit card industry. It enables secure credit card payment acceptance and processing for merchants and integrated platform partners, providing the underlying payment infrastructure for online and card-present transactions.
Product overview
NMI offers a modular, platform-based embedded payments ecosystem consisting of three core products: NMI Payments (all-in-one customizable payments platform), Merchant Central (CRM and merchant underwriting solution), and Payment Gateway (white label payment processing). These are complemented by multiple add-on modules including Pipeline Management, Sign-Up & Onboarding, Merchant Underwriting, Merchant Boarding, Reporting & Insights, Residuals Management, Helpdesk & Merchant Support, Business Capital, and Time Savings Calculator. The platform is enhanced by recently acquired technologies: Dwolla (real-time payment rails) and Fee Navigator (AI-powered pricing intelligence). NMI also provides developer tools including SDKs, APIs, and EMV Kernels.
Differentiator
Problem solved
Functional benefit
Products and services
- USAePay Payment Gateway Online payment gateway supporting platforms in the credit card industry, enabling secure credit card acceptance and payment processing for merchants and integrated platform partners.
Quantifiable outcome
- 70% reduction in operating costs, 68% reduction in transaction time, and increased transaction volume for taxi kiosk customers
- +1 more outcomes
Companies that use USAePay
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles1 record
USAePay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature7 records
USAePay partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- DwollacoreNMI acquired Dwolla to expand payment capabilities, enabling acceptance, management, and movement of money through card, bank, and real-time payment rails — all in one unified platform.
- Fee NavigatorcoreNMI acquired Fee Navigator to add AI-powered pricing intelligence capabilities, enhancing merchant pricing transparency and optimization features.
Scale indicators7 records
Recent moves5 records
Expansion highlights6 records
USAePay competitors and assessment
Company assessmentDirect peers
- Stripe: Stripe is the leading developer-first payments platform with API-based payment gateway, processing, and embedded finance capabilities. It competes directly with NMI for SaaS platform and software partner deals, particularly among fast-growing technology companies seeking an all-in-one stack.
- Authorize.Net (Visa): Authorize.Net is one of the longest-standing hosted payment gateways in the SMB and ISO market, owned by Visa. It competes head-to-head with NMI's gateway offering for small and mid-sized merchants and ISOs seeking a white-label, API-friendly gateway solution.
- Helcim: Helcim is a payment gateway and processor focused on SMBs and ISOs with transparent pricing and a partner program. It is comparable to NMI's ISO/channel-led model, though smaller in scale and primarily North American.
- Stax by Fattmerchant: Stax is a subscription-based payment platform and gateway targeting ISOs and SaaS partners with white-label capabilities. Its partner-channel and embedded pricing model make it a close smaller-scale analog to NMI's Merchant Central and gateway stack.
- Braintree (PayPal): Braintree is PayPal's developer-focused payment gateway targeting mid-market and enterprise merchants, with strong embedded payments positioning. It is a comparable gateway-plus-platform play to NMI for software and marketplace partners.
- EBizCharge: EBizCharge is a payment gateway and processor focused on B2B and SaaS integrations with deep ERP/accounting software partnerships. It competes with NMI in the software-embedded payments space, particularly for vertical SaaS platforms.
Broad incumbents
- Fiserv: Fiserv is a major financial services and merchant acquiring platform (including Clover and First Data assets) that competes broadly with NMI in the ISO, bank, and embedded software partner space. Its scale and acquiring economics make it a structurally larger alternative for large partners.
- Worldpay: Worldpay is a global merchant acquirer and payment processor offering gateway, processing, and ISO services. As a much larger incumbent, it competes with NMI for ISO and bank partnership volume, particularly for merchants wanting gateway-plus-acquiring from one vendor.
- Adyen: Adyen is a global, vertically integrated payments platform serving enterprise merchants with unified gateway, processing, and acquiring. It competes with NMI for large ISO, SaaS, and platform deals where a single global stack is preferred over multi-processor orchestration.
- Square (Block): Block's Square ecosystem (Square, Cash App) provides gateway-style payment services and embedded commerce APIs that overlap with NMI's merchant acceptance and embedded payments offerings, particularly for SMB and SaaS-integrated use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
USAePay social profiles
Digital presenceUSAePay financial estimates
Financial estimateRevenue estimate
Valuation estimate
USAePay leadership team
Management profileNumber of profiles
Profiles3 records
USAePay subsidiaries and ownership
Company hierarchySubsidiaries2 records
USAePay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
USAePay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about USAePay
What does USAePay do?
USAePay is an online payment gateway that supports platforms in the credit card industry. It enables secure credit card payment acceptance and processing for merchants and integrated platform partners, providing the underlying payment infrastructure for online and card-present transactions.
Is USAePay a public or private company?
USAePay is a private company. It is classified as corporate owned and is currently operating.
When was USAePay founded?
USAePay was founded in 2004. It employs 251 to 500 people.
Where is USAePay based?
USAePay is headquartered in Los Angeles, United States, in the North America region.
How does USAePay make money?
Three revenue lines are on record. Payment Processing Revenue is the primary driver. The others are gateway and Platform Services and residuals Management.
Who are USAePay's main competitors?
Direct peers on record are Stripe, Authorize.Net (Visa), Helcim, Stax by Fattmerchant, Braintree (PayPal) and EBizCharge. Broad incumbents are Fiserv, Worldpay, Adyen and Square (Block).
Does USAePay have an API?
Yes. NMI offers SDKs and APIs for payment processing integration. The platform provides developer tools including an Integration Portal (Sandbox), Documentation, SDKs + APIs, EMV Kernels, Processors & Devices integration, and Security features for developers to build payment solutions. Developer documentation is at guide.nmi.com.
What industry is USAePay in?
USAePay's product category is Payment Gateway. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGABAB, Payment Gateways & API Connectivity. Its NAICS code is 522320 and its SIC code is 6199.