PARTNER ECOSYSTEMS
How the NMI and USAePay partner networks are structured
Neither NMI nor USAePay sells primarily to end merchants. Both run on partner channels — ISOs, ISVs, resellers, and white-label operators — and understanding that structure explains almost everything about pricing, support, and onboarding speed on both platforms.
The partner types, in plain terms
| Partner type | What they do | Who carries merchant risk |
|---|---|---|
| ISO (Independent Sales Organization) | Registered with the card networks; sells and supports merchant accounts | The ISO / sponsoring acquirer |
| Reseller | Typically operates under a registered ISO; earns revenue share without full network registration | The ISO above it |
| ISV (Independent Software Vendor) | Embeds the gateway into its own software product | Depends on structure; often the underlying acquirer or a PayFac layer |
| White-label partner | Rebrands the gateway entirely as its own platform | Depends on the underlying agreement |
| PayFac / semi-PayFac | Onboards sub-merchants under one master merchant account, often instantly | The PayFac itself |
Neither NMI nor USAePay is itself a payment facilitator — both are gateways that can support PayFac-style sub-merchant onboarding for partners who build that layer on top.
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NMI Partners
How NMI's ISO, ISV, and white-label programs are structured, and how buy-rate and revenue-share pricing typically works.
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USAePay Partners
USAePay's reseller console, certified acquirer relationships, and its long-running channel-first model.