The USAePay gateway login URL is nmi.com/logins. Enter your username and password there to reach Merchant Central, the gateway dashboard. The wrinkle: USAePay is a white-label platform resold by thousands of payment companies, so if your account came from a reseller rather than USAePay directly, your sign-in page may live on a branded URL — something like gateway.yourprovider.com — that runs on the same USAePay infrastructure. Both lead to the identical dashboard.
This page explains how to find the right sign-in for your account, what to do when login fails, and how to spot the fake USAePay login pages that target payment merchants. We do not put a username-and-password form on this site by deliberate policy: a credential field on any domain other than the genuine gateway is exactly what phishing looks like.
Branded vs. direct logins — which is yours?
This is the single most common source of USAePay login confusion. Here is how to tell which kind of account you have:
Direct USAePay account
You signed up with USAePay itself. Your login is nmi.com/logins and the screen carries USAePay branding.
Reseller-branded account
You signed up through a payment company. Your login is a branded URL they gave you, running on USAePay underneath.
USAePay account
Your statement or welcome email mentions USAePay. Sign in at the USAePay console instead.
People also ask about the USAePay login
Why does my USAePay login page show a different company's name?
Because USAePay is white-label. The payment company that sold you the account brands the sign-in screen with their own logo and colors. The platform running behind it is USAePay's. This is by design and is not a sign of anything wrong — most USAePay merchants never see the USAePay name at all. If you are unsure whether a branded page is legitimate, contact the company that issued your account directly, using a phone number from your contract rather than from the page.
How do I find my USAePay gateway login URL?
Check the welcome email from whoever set up your merchant account — the gateway URL is almost always in it. Failing that, look at any saved bookmark, your last login email, or your processing statement, which often names the gateway provider. If you signed up with USAePay directly, it is nmi.com/logins. When all else fails, the reseller that onboarded you can re-send your gateway URL.
I forgot my USAePay password — how do I reset it?
Use the forgot-password link on the sign-in screen; the gateway emails a reset link to the address on file. On white-label deployments, password policy and resets are sometimes managed by the reseller, so if no email arrives, contact the payment company that issued your account. Resellers can also reset a merchant's password from their partner portal.
Is the USAePay login down?
The genuine gateway rarely has full outages. If you cannot reach nmi.com/logins at all, the issue is more often local — a browser extension, corporate firewall, or DNS cache — than a platform outage. Try a different browser or network first. Your reseller can confirm whether there is a known incident.
How to sign in, step by step
- Go to your gateway URL. nmi.com/logins for a direct account, or the branded URL from your welcome email.
- Enter your username. Usually the email or username assigned when the account was created — not your processing account number.
- Enter your password and submit.
- Complete any second factor if your reseller has enabled multi-factor authentication.
- You land on Merchant Central — the dashboard with the Virtual Terminal, transaction reports, and settings.
When sign-in fails
Most "I can't log in to USAePay" cases come down to one of these:
- Wrong gateway URL. A branded-account merchant trying nmi.com/logins (or vice-versa) sees a valid login screen that rejects their credentials because the account does not exist on that host. Confirm your correct URL first.
- Username confusion. The gateway username is set at account creation; it is not your merchant ID or your email unless that was used.
- Account locked. Repeated failed attempts lock the user for a cool-off period. Wait rather than burning more attempts, then reset the password.
- Reseller-managed access. On white-label setups, the partner can suspend or expire a user. If credentials that worked yesterday fail today, contact your provider.
Avoiding USAePay login phishing
An email warns of a "held settlement" or "account verification required" and links to a page that looks like an USAePay or reseller sign-in. The URL is a near-lookalike — an extra word, a swapped domain, an odd subdomain. The form captures the credentials in real time and the operator uses them within minutes. Payment merchants are a standing target for this.
Three habits stop almost all of it:
- Never sign in from an email link. Bookmark your gateway URL and use the bookmark.
- Read the address bar. It must be exactly
nmi.com/loginsor your known reseller host, over HTTPS. - Turn on multi-factor authentication if your reseller offers it — it blunts a stolen password.
If a link, email, or ad sends you anywhere other than your known gateway URL — close the tab and type it yourself.
FAQ
What is the USAePay login URL?
The USAePay gateway login is nmi.com/logins. Reseller-issued accounts use a branded URL from your welcome email, running on the same platform. USAePay accounts use the USAePay console.
Why is my login branded with another company's name?
USAePay is white-label. The payment company that sold you the account brands the gateway with their logo. The platform is USAePay's. This is normal.
I never received a gateway URL. Where do I find it?
It is in the welcome email from whoever set up your merchant account, and often on your processing statement. The reseller can re-send it. A direct USAePay account uses nmi.com/logins.
Can I reset my USAePay password myself?
Usually yes, via the forgot-password link. On some white-label deployments the reseller controls resets — if no email arrives, contact the company that issued your account.
Is this site affiliated with USAePay?
No. USAePay Gateway Guide is independent reference content. The official company site is nmi.com; the official gateway is nmi.com/logins. We are not operated by or endorsed by Network Merchants, Inc.