Welcome to uPayments
uPayments is a payment operations platform built for merchants and ISOs using NMI (Network Merchants Inc.) for payment processing. It transforms raw gateway data into actionable business intelligence.What uPayments Does
Sync & Analyze
Automatically syncs transactions, customers, and subscriptions from your NMI gateway. No manual imports.
Detect Patterns
Identifies recurring subscriptions, at-risk customers, and fraud patterns from your transaction history.
Accept Payments
Create branded payment pages and professional invoices — hosted, embeddable, and fully customizable.
Executive Reports
Generate bank-grade PDF reports covering revenue, customers, settlements, declines, and forecasting.
How It Works
- Connect your NMI account — Enter your Private Security Key and gateway URL
- Auto-sync starts — The background worker syncs all historical transactions
- Customers are extracted — Unique customers are identified from transaction emails
- Subscriptions are detected — Recurring payment patterns are automatically found
- Analytics populate — Dashboard, recovery, fraud, and forecasting pages come alive
Platform Tiers
| Feature | Lite $49/mo | Starter $149/mo | Growth $499/mo | Scale $799/mo |
|---|---|---|---|---|
| Dashboard & Analytics | ✅ | ✅ | ✅ | ✅ |
| Transaction Sync | ✅ | ✅ | ✅ | ✅ |
| Customers & Subscriptions | ✅ | ✅ | ✅ | ✅ |
| Payment Pages | — | 5 active | Unlimited | Unlimited |
| Invoicing | — | 25/mo | Unlimited | Unlimited |
| Recovery & Fraud | — | — | ✅ | ✅ |
| Forecasting | — | — | ✅ | ✅ |
| White-label & SSO | — | — | — | ✅ |
All tiers include unlimited transaction sync, customer extraction, and subscription detection. The difference is in commerce tools (payment pages, invoices) and advanced analytics.