Stay Ahead of Merchant Risk

ScanX

Merchants expect speed, but accelerated service shouldn’t mean cutting corners. NMI’s ScanX technology provides instant access to robust risk assessment data that helps you make more informed decisions about merchants—both before and after they are added to your portfolio.

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Faster Merchant Onboarding and Ongoing Risk Assessment

NMI Helps You
Identify and
Prepare for X

X is an unknown quantity that can mean anything and everything. With our ScanX and MonitorX tools, you can quickly identify known and unknown potential risks throughout the merchant lifecycle, empowering you to make informed decisions. This is made possible through automated underwriting analysis, Know Your Customer (KYC), Know Your Business (KYB), Anti-Money Laundering (AML) data collection, and much more—all centralized into a powerful automation engine.

ScanX Risk Assessment

Complete a thorough initial risk assessment in minutes, not days. Speed up onboarding,
reduce merchant abandonment, and ensure candidates align with your risk profile.

Powerful Underwriting Automation

ScanX

Access the risk data and insights you need quickly to make confident decisions. Our user-friendly platform helps you gather and analyze risk data, identify risks and onboard new merchants—and it’s all tailored to your specific needs.

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Risk Scorecards
Customize your scoring models to fit merchant risk profiles and integrate merchants seamlessly using our advanced library of modular integrations and scoring rules.
Simplify Data Collection
Automate KYC and AML data collection, consolidating it into a single source of truth.
Supercharge Your Underwriting Team
Process 10x more applications per underwriter by automating decisions—and putting all of the information needed to make a decision in front of those underwriters—in just a matter of minutes.
Faster, More Accurate Underwriting
Significantly reduce underwriting time, enabling faster and more confident approval decisions.
100+ Preconfigured Scoring Rules
Utilize a set of highly relevant qualifiers from a variety of integration partners to create the ideal risk profile for your organization’s needs. Track the outcome of rules over time to assess the benefit and make adjustments to optimize underwriting.
Reduce Merchant Abandonments
Faster underwriting and onboarding will decrease merchant abandonments by up to 70%.
Enhanced Strategic Decisioning
Maintain a comprehensive view of underwriting decisions over time, enabling more informed and strategic decisions.

MonitorX Compliance & Insights

Gain real-time visibility into your merchant portfolio for actionable insights. Maintain
compliance with regulatory standards, mitigate fraud risks, and accelerate business growth.

Inspect and Protect Your Portfolio

MonitorX

Stay informed about your portfolio with automated monitoring. Schedule periodic underwriting risk checks—or run them on-demand—and receive alerts when changes to the business’ risk profile are detected. Automate routine risk decisions and keep your compliance team’s attention focused on the critical items that require their expertise.

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Continuous Regulatory Compliance
Be confident that your merchant portfolio consistently adheres to AML and KYC regulations.
Advanced Automation
Schedule continuous monitoring for your entire portfolio. Auto-approve and resolve any checks that don’t require manual review by your team.
OFAC Compliance Searches
Stay compliant with a proof of record for merchant screening, even when no Office of Foreign Asset Control (OFAC) matches are found.
Audit-Ready Proof of Record
Access clear, complete records of all checks performed on each merchant in your portfolio.
Flexible, Modular Monitoring
Monitor higher-risk segments of your merchant portfolio with additional scans and services. Quickly create numerous scorecard risk profiles to meet the needs of your portfolio and sponsor bank requirements.