NMI Payment Gateway. When the volume that should be good news gets you flagged.
An enterprise client takes hundreds of new patients a day. NMI lets them intelligently route credit card charges across multiple processors based on metadata — so when monthly volume jumps from $30K to $150K and a single processor would flag it as risky, NMI distributes the load instead.
High volume → NMI routes by metadata → load spread, no flags
—— Why We Built It
Growth shouldn’t look like fraud.
One of our enterprise clients receives hundreds of new patients per day. That kind of success creates a strange problem: as monthly card volume climbed from $30K to $150K, individual processors started flagging it as risky — the exact spike that means the business is thriving looks, to a single processor, like something’s wrong.
NMI solves it by intelligently routing charges across multiple processors based on metadata. Instead of pushing all that volume through one processor until it trips a risk threshold, NMI distributes the load — so the payments clear, the growth keeps going, and nobody’s account gets frozen for the crime of doing well.
—— What It Does
One gateway, many processors, zero flags.
Routes across multiple processors
Charges are spread intelligently across several processors — not forced through one until it balks at the volume.
Decisions based on metadata
Routing is driven by the data on each charge — so the right transaction takes the right path, automatically.
Built for enterprise volume
Hundreds of charges a day, six figures a month — the gateway is designed to keep clearing as the numbers climb.
No more risk flags on growth
By distributing load, no single processor sees a spike sharp enough to flag — sudden growth stops triggering false alarms.
Resilience and redundancy
With more than one processor in play, the practice isn’t at the mercy of any single one — payments keep flowing.
Billing stays in Cerbo
However the charge is routed underneath, the transaction ties back to the patient in Cerbo — one record, however it cleared.
Distribute The Load
Scale is a payments problem before it’s a good one.
At enterprise volume, the bottleneck isn’t demand — it’s whether your processors will keep saying yes. NMI spreads charges across several of them by metadata, so a $150K month clears as smoothly as a $30K one. The faster you grow, the more this matters.
Grow fast. Keep clearing.
Cerbo is the best EHR in functional medicine. Always has been. Always will be.