Nelnet Payment Services (NPS) provides a modern, secure platform for accepting and managing payments across cards, bank accounts, and digital wallets — all through a single, unified API experience.
Whether you’re building a simple checkout flow or a multi-merchant platform, NPS is designed to help you move money securely, reliably, and at scale.
NPS handles the complexity of payments so you can focus on your product.
With NPS, you can:
- Accept credit card and ACH payments
- Support Apple Pay, PayPal, and Venmo
- Tokenize sensitive payment data safely in the browser
- Process payments using flexible transaction models
- Manage refunds, voids, and returns
- Automatically keep payment credentials up to date
Security is built into every layer of NPS.
- Sensitive payment data is collected using a hosted tokenization iframe
- Merchants never handle raw card or bank account numbers
- Tokens remain stable while credentials are updated behind the scenes
- Fraud analytics and optional CAPTCHA protections are applied automatically
Lower PCI burden, fewer failed payments, and a simpler integration experience.
NPS APIs are REST-oriented and built around predictable, intuitive patterns:
- JSON request and response bodies
- Consistent field names and data types
- Clear error handling and response codes
- Hierarchical account models for platforms and merchants
Everything you need to go from API keys to your first successful payment is documented here.
Most integrations follow a simple path:
- Generate API keys and create a JWT
- Use the UI SDK to tokenize payment details securely
- Submit payments using the Payments API
- Handle lifecycle events, refunds, and reporting as needed
All NPS APIs follow shared standards to ensure consistency across services.
- Common request and response structures
- Standard headers and field definitions
- Predictable pagination and filtering
📘 Review the NPS API Standards to understand how our APIs are designed.
Whether you’re modernizing an existing payment flow or building something entirely new, NPS gives you the tools to move fast without sacrificing security or control.
If you’re new here, start with the Quick Start.
If you’re integrating deeply, the sidebar is your roadmap.
Let’s build something solid.