Platform Misconduct

This statement outlines NMI’s operational stance on platform integrity involving merchants or other parties using payment flows that leverage NMI technology.

NMI may receive reports or allegations regarding merchants or other parties that allege involvement in fraudulent, deceptive, unlawful, or otherwise harmful activity. When NMI becomes aware of information concerning alleged misuse or misconduct, it evaluates the matter based on the information available to NMI, including the credibility, authority, and relevance to NMI’s platform, which may include consideration of:

• Direction or notification from an acquiring bank, sponsor bank, or payment processor;
• Card network communications, monitoring programs, or rule enforcement actions;
• Law enforcement inquiries, legal process, or regulatory requests;
• Credible technical or security indicators involving NMI systems (e.g., system abuse, malware, credential compromise, etc.); or
• Clear violations of NMI contractual terms, acceptable use provisions, or security requirements.

Unsubstantiated, anonymous, or speculative claims, without supporting evidence or appropriate authority, do not typically warrant direct action by NMI.

Where supported by applicable agreements, network rules, acceptable use considerations and/or posing a business, operational, or reputational risk to NMI (each, in NMI’s sole and absolute discretion), NMI may take appropriate action, including termination of any party’s usage of the NMI platform.

To ensure fairness and clarity, NMI does not:
• Act as a regulator, law enforcement authority, or adjudicator of legal disputes
• Restrict merchants solely based on unsupported accusations or competitive complaints
• Publish or maintain public lists of alleged “bad actors”

Any reports of suspected misuse or misconduct may be submitted to fraud@nmi.com. Submission of a report does not guarantee investigation or action by NMI.