Peter Galvin doesn’t want your attention. That’s the point.
As Chief Marketing Officer at NMI, Galvin leads a company that powers payment acceptance for thousands of merchants around the world. But most consumers have never heard the name. That’s because NMI doesn’t go to market under its own brand. It builds white-label infrastructure for the platforms that do.
“We sit behind the scenes,” Galvin said. “It’s your brand. Your logo. We just make it work.”
NMI serves independent software vendors (ISVs), payment facilitators, and ISOs that want to embed payment capabilities without building the pipes themselves. It handles everything from onboarding to underwriting, processing to reporting. The goal is flexibility. Partners can use one part of the platform or all of it.
Modularity at scale
The company’s agnostic architecture has made it a natural choice for software providers with diverse merchant bases. From shopping carts and card readers to gateways and tokenization, NMI integrates across the stack.
That flexibility has mattered even more post-pandemic. Galvin noted that many traditional brick-and-mortar businesses had to move online quickly. Gift cards, subscription billing, ecommerce checkout—all became urgent priorities.
NMI’s omnichannel capabilities were built for that transition. Whether a merchant sells in person, online, or both, the platform adapts.
Tapping into convenience
Galvin highlighted two recent product launches that respond directly to partner and merchant needs.
First is a tap-to-mobile solution developed in partnership with Mastercard. Merchants can now turn Android phones—and soon iPhones—into payment devices without any extra hardware. A sales associate can accept contactless payments right on their phone, whether curbside or inside the store.
Second is the rollout of network tokenization. These tokens replace sensitive card data with encrypted substitutes, improving both acceptance rates and security. Subscription businesses benefit by keeping cards on file with less risk. Fraud declines. Processors see fewer chargebacks.
“It's about making it easier to get paid, with fewer interruptions,” Galvin said.
B2B is already built in
While many payment providers are just beginning to target the B2B segment, NMI is already embedded in it. Much of the company’s partner base serves business-facing verticals—from dental and restaurant software to specialty industries like pet care and even gun ranges.
In many cases, these are B2B2C flows. A software company sells into a business, which then sells to a consumer. Galvin said the company is well positioned to support this layered model because of its white-label approach and vertical integration across use cases.
Using AI
NMI isn’t chasing AI headlines. But it is using artificial intelligence in ways that make operations faster and smarter.
Fraud detection is a core use case. Through a partnership with Kount, NMI applies machine learning to reduce false declines and detect suspicious patterns. Internally, AI is used to accelerate product development, improve engineering workflows, and synthesise merchant feedback.
“We’re a big consumer of AI,” Galvin said. “It helps across fraud, product, and customer intelligence.”
The company also uses AI to detect trends in support tickets and enhancement requests—feeding those insights back into the product roadmap.
Behind the brand, ahead of the market
NMI’s global presence has given it a unique vantage point. Its UK operation led early innovations in “unattended” sectors like parking and transit. Those lessons are now influencing US strategy. Conversely, the company’s mature work with US software providers is helping shape international product lines.
The model is clear. Stay behind the scenes. Move fast on infrastructure. Let partners shine.
“We exist so others can lead with confidence,” Galvin said.
And chances are, if you’ve tapped, clicked, or subscribed lately—you’ve already used them.
The Unofficially ETA Transact Team
🌟 Spotlight on Liberis
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