Optimize & Simplify Your Residuals with Merchant Central

So, agenda today, we're just gonna do a overview of Merchant Central residuals, cover some of the basics for those of you who don't know, and, why residuals is important. I'm sure you all are very well aware if you're here that the residuals is important to your organization.

And then we're going to go into the new and exciting updates that we've made, with, with regards to our residuals tool, and then we're going to open it up to Q and A.

So without further ado, I am gonna hand it over to Neil to take you through, our residuals tool and our latest and greatest enhancements.

Okay. Hello, everybody.

Thank you for joining. My name is Neil Zluznick, data analyst here at NMI, residual specialist as Jen mentioned, but, I am not a lone wolf. I have a team of three, Andrew Fry and Tatenda Chaviza, who you may or may not have interacted with yet. But, we, we work with ISOs and ISVs during their implementation to set up the residual calculations, on their site.

And then after your implementation, we continue to support you if you have any needs. Maybe you have a new processor, you start working with or troubleshooting you need to do, that you can't figure out on your own, we do continue to work with you Love it. Post implementation as well. So, yeah, nice to meet you if I haven't already. Thank you. And welcome back to those who I do know.

Gonna go through a a demo of a residual import, walk through some of the dashboards and reporting that you, will have, access to yourself and your agents will have access to, and, cover the, some of the new features, like we mentioned.

But before I do that that demo, kinda wanna cover some of the pain points that ISOs and ISVs in the payment space, face, that the merchant central residuals component, solves for. So, you know, as an ISO, you could have multiple payment processors that you work with. Each one gives you a residual file each month that you, you know, take in and then have to pay a residual on. Each one of those is gonna be in a different format and may have unique, fees that you have to either not share with a with an agent or, maybe there are buy rate, changes that need to occur. So, obviously, you can see how it gets very complicated, especially with all these different formats.

We provide you with a centralized uniform reporting tool so that you can just simply import each of those files every month, and then everything is in, one format that is very easy to read, digestible, and shareable, for your agents. So, kinda just talked about this already, but, you know, you may have very complex payout structures, unique scenarios.

We really create this sort of set it and forget it logic so that during your implementation, we sit down with you and really dig into all of your files, making sure that we understand all the different payout structures that you have, so that each month, really, all you have to do is drop that file in, make sure everything looks good, and then publish it for your downstream agents and referral partners.

Billing errors. So this is regarding the the buy rates that you're being charged by the processor. You'd be amazed, how often I'm sitting down with an ISO, and, they're telling me, you know, my my buy rate for Amex Opblue, for example, is ten basis points. And we look at it and, like, oh, it looks like, actually, I've been getting charged twelve basis points by the processor. Like, I guess that's something I should go look at. So we have a tool that, I will show you that's, we call it the fee verifier.

Allows you to easily see, you know, what you're being charged and track if there are any changes happening, from a processor's end that you maybe need to follow-up with to understand, and transparency. Right? So that is giving you additional transparency from from your end so you can see that, from the processor, but also additional transparency for your agents, your referral partners, anyone that you pay any residual to. So, moving along here, let's do an exciting with the residuals features.

Right? So if you're currently using Merchant Central, you've seen this new page. This is the new look. We call it the v two internally, but, this is how the residuals dashboards are looking now.

This first tab is new. This is the sort of landing page that you'll see when you click on residuals. Alright.

What we're looking at here is, you know, all the processor files that have been imported for that month, the net income that came from each one of those files. Uh-huh. That's before the payout. And then the next column there is agent net paid out, so the amount of residuals paid out for that file. And then the ISO profit is just the difference between those two numbers.

So like I said, this this feature here this page here, is new, but, really, the rest of the functionality of the residuals tool has remained the same, just with a new look.

With that said, you know, I know that change can be hard. So, you know, some folks have been using Merchant Central or the CRM formerly known as Iris, for over ten years. You know? And they're used to reporting looking one way, and then all of a sudden, it looks a different way. So we do still have the ability to toggle back to the old look.

But if that is something you relate to and you have agents that are giving you questions or, if you yourself have questions about the new look, I encourage you to reach out to, support. And, myself. I'm happy to answer any questions and hear any feedback you guys have about this new look.

So, one of the best things that I like about this most is, the this new processor tabs up at the top. So instead of having to scroll through, you know, six different processor files to get down to my, MPC Vant of the file there or the Fiserv file, I can just easily click at the top and pull up that file, which, makes it easier and also makes loading times faster. So, very cool stuff. So, gonna move along here into our demo now. Let's just open up the residuals import page.

So I've just clicked on residuals, got a residuals import, and now I'm going to drag and drop my residual file. This is a file, right onto this page.

So you can see it's already recognized that it's PaySafe file and pulled the month and the year because it was conveniently located in the file's name, and I'm gonna hit import.

So give this just a minute here.

Okay. The files recognize a hundred and seventy four unique merchants. I'm gonna go ahead and hit import.

Great. So the import was a success.

This table down here below is what I was talking about, the fee verifier. Right? Yeah. So what we're looking at here, is each fee that is shown up or that we've mapped, from the file.

And the yellow column here shows the expected buyer. So you would plug in your schedule a, and say, this is what I'm expecting to be charged for these fees.

Pink column shows what we were actually charged this month for those fees, for each merchant. So you can see let's just take a look at this online reporting fee. We were expecting to get charged two dollars and ninety five cents. We were charged five dollars. There's an impact of three hundred and fifty six dollars because this occurred a hundred and seventy four times. So, obviously, the next thing you would say is, well, what what merchants are being overcharged? So you click on that and see, here's my list of merchants.

Here's what they were charged, versus what I was expecting Cool. And, the impact. Right? So, I'm sorry.

That's weird. Yep. It's pretty low. So very handy tool for, you know, tracking what you're being charged.

Like I said, it is amazing how often ISOs tell me, oh, I was expecting to get charged this, but, you know, the processor has been tacking on some other buy rate, you know, for x amount of reasons. Very well. But, you know, just give them a reason to go follow-up with their relationship manager on the, private payment processor side. So, very handy tool there.

The caveat here that I always, like to say is just that the the tool is only as good as the residual reporting that you receive. Right? So, you do need to have more than just a summary file in order to utilize this feature. You need to have a detailed file that shows us the count of how many times that fee occurred and the amount that you were charged for that fee type.

Right? So cool. Very good. Okay.

Now that we've imported this file, looped this though that fee verifier, let's go ahead and take a look at the residual reporting for the ISO.

Now we are looking at the grand total page again. So we're seeing, again, net income. This is what came in from that file from each of these files.

This is what we paid out in residuals for that file, and then the difference showing there. Line item additions and line item deductions, these line item feature this line item feature, this is just for anything that doesn't occur inside of your residual file, but you still wanna include in your residual calculation.

So a lot of times, this is used for, bonuses that need to be paid out or equipment fees, is a pretty common thing. So equipment fees don't show up often.

There are some people who, you know, they get a report from Valor, and, we create a Valor mapping for them so that they can just import their Valor file. You know? But there are others that they don't get a clean file that, you know, contains the mid that it's for or the, you know, that information. So they use the line on the future. So yeah, so, kinda moving along here, we're gonna go to the summary view. This is the, sort of the table that you can send to your accounts payable team, right, that says, here's all my agents, and here's what we owe them for this month, which currently we're looking at April twenty twenty five here.

This agent net shows the amount that came in from the processors. This is the residual amount owed for all of their processors, the line item total, and then the, total amount here.

This checkbox here is actually our, for our Paya integration. So we have an integration with Paya that allows you to send an ACH, transfer to actually pay this residual amount. So you can click on this, hit review transaction, and it'll take you to this page where you can actually initiate a trigger that will send to Paya, and then make that transfer, for you. So a lot of people do enjoy that feature, have it all in one place there.

Yeah. So this is kinda just showing all my reps, what we owe them. You can filter this by processor. Like, if we just wanted to look at a single processor, how did how did this one processor do, that kind of thing. So, yep. Very cool.

Looking on these blue filters, this allows you to just very easily open up the view of this sales rep. So now I'm looking at what they can see. And so let's get into that next.

As a rep, I'm now just seeing, the, you know, Paysafe information that is relevant to me because, we set that up through the user classes, obviously. But all I'm able to see are my merchants, and my buy rates. So, what I'm showing here are the after adjustment buy rates. If we are utilizing residual templates to make buy rate adjustments, the rep will only see their buy rates and their splits.

So this is all totaled up here. You can see, you know, each processor individually, and then they also have that grand total tab that we just looked at.

Getting into this here, this is the details tab. So this actually shows the exact file that you import.

So that pay save file in all of its forest detail, but it would also include, adjusted buy rates.

This can be hidden altogether if you need it to be, or, you can hide specific columns to simplify it.

Just, you know, we can completely tailor it to however you are used to sharing that information with your downstream agents and referral partners.

And then yeah. So we have this profitability tab. This just kinda shows months over months, you know, residual amounts that are being paid, income expense, something gross income, gross expense, and, month over month. These are all the same number because it's the same file. It's been imported multiple times, but, that is what is being shown here.

So you can also see that. Like, this is showing it on a processor level, but this can also be viewed, individually at merchant by merchant if you just click on the dollar sign next to this merchant here. So we can see how is this merchant doing month over month, which really brings me into the next piece that I wanna show you, which is the residuals analytics.

This is a very handy tool for, at the end of the year. A lot of folks will ask, I wanna look at the last year review. Where do I go to do that?

So I will bring them to the residuals analytics. This is showing different metrics here. Right? You know, you can see income, line items, the amount paid out, that's your residual.

Net income is, you know, the difference between that.

Those numbers there. We're showing it in bar graph here, but we can view it as a table, and then this table can be exported.

And, of course, this table can be completely customized, so you just click on this filter option up at the top. You can say last twelve months, last six months, or a custom date range. You can enter that in there. So, very useful. This can also be filtered down by rep. So if I wanted to just look at one sales rep's portfolio over a custom date range, you can do that, and then export all this information.

So very, very helpful functionality here.

Let me get back here to just do all users and just show you some of the other analytics showing down here. So we have income payouts. So this is looking at volume transactions, net income. We have merchant count, net income, net income, basis points profit.

So, you know, things that CFOs love to be able to see this kind of data, just visualize for them.

Here, you are seeing top merchants by volume.

In a pie chart, you can also say, let's take out this big one, see how everybody else kinda compares, without that one in there. So very cool there. This is showing the same thing, but just net income.

Here we have a heat map, showing where are my merchants located by state, and then we have, industry breakdown here showing a different, MCC codes and, that you can also, of course, export this data as well.

So Neil, before we move on from the analytics view, a question just popped up, and I think it might be relevant to to touch on it now is, the question is, are we also able to see which processor is the most profitable for our whole book or which merchants are the most profitable? I guess we're Yeah.

It's a good question.

So on this residuals, grand total page, you know, this is just a very you know, at a at a high level, you can very easily see where am I making the most profit because it's looking at net income versus what's being paid out. So, you know, it it's a very easy computation there to see that. It's not being displayed here.

This you know, everything that we've that we're showing here can be exported, and, you know, you can continue to break down this data, analyze it, however you like. Right? So if you wanted to go in and and do the actual division of, like, what's the basis points or, you know, what's the percentage of profit rate here, it's not being displayed currently, but you could very easily export that, and and view those metrics, that way. So, but but yeah. Let me just take another look.

Yeah. You know, actually, you could use analytics to do that as well. So because just how this is we we could we could use a filter here to these are actually custom properties, so we could potentially use this. There's kind of a few different ways it could be done, but, yeah, absolutely something you could track.

But, great question.

Cool. So, let me just see what Brad had my timeline here. Okay.

Now that we have covered that, I'm gonna jump back to my slides over here so we can kinda just move through some of the newer features.

Get this. Yep. Okay. So we just covered residuals analytics.

We looked at that impact report, the fee verifier.

Okay. So here's our, first brand new feature I wanna focus on. This is the residuals historical visibility, very powerful tool that allows you to remove access to a residual for for an agent, remove access to their reporting, without removing historical, reporting that you've created or vice versa. Right? By you can grant somebody access to see their residuals starting in a certain month without giving them access to all of the historical residual reporting.

So why would you need to do that? You know, maybe, an agent has, you know, left the company, so you're no longer paying a residual to them, and somebody else has, you know, taken over that account. So now they are responsible for it, and they are then receiving that residual.

You can then stop the visibility for them, you know, for for the agent that left, which will allow them to, main you know, allow all of your historical reporting to stay intact, remove access from any future, residual information for them, and then you can then grant access to the new agent without giving them access to anything historical.

So, obviously, very, very important.

And, yeah, really, you just hit one of these drop downs here where it says hide after or hide before, and it's gonna just hide up uncheck all those boxes that we're looking at, for the months prior and, and and vice versa. So, this is currently in beta right now. So if you wanna have access to this beta, reach out to support.

We will get you set up with this, kinda show you a demo on how it's used, and, make sure you can start utilizing it. So, very, very cool, very huge initiative from our product team.

And, yeah, something we're very excited about. So, and we'll move on to the next one here.

Okay. Great.

Custom properties.

So this is, again, very powerful tool.

What I've got the red little arrow there pointing towards is the auto user assignment.

So this is a very nice feature. Right?

I'm the lead. When you're entering into the CRM, you know, the lead information, you can designate maybe a a a team. Right? So this is my, Chicago team, and this is a high risk merchant. So those those could be custom properties that you've created. And those custom properties have, within them, the ability to auto assign users, which I'm highlighting here, but it also has the ability to hide lead tabs that are, only relevant for that group, or maybe that processor, or maybe it's a high risk, so you only wanna see, those fields that are relevant for that type of a lead.

Really a very, very useful tool that, like, kind of what I'm just talking about here is sort of the tip of the iceberg.

We do have a webinar on this feature, but, what I love about it is it can auto assign users, and then those user accounts are pulling in their their default split that you've set up on the user profile.

And then it pulls in those splits. So really sort of automating that process of the split assignment, for you when you then board this lead, you know, using TurboApp, our our boarding platform, to an integrated processor.

You're then able to, auto assign those splits. Right? So very useful.

And, yeah, I mean, if you are interested in this, it is available to be used, but, I would highly recommend checking out the webinar that, Jaren did, on this topic, yeah, and and really see how it can be used, in-depth.

Yeah. So, I'm gonna move along here.

Okay. Dynamic splits. So this is a great new feature.

This is a way for you to incentivize your agents to bring in larger deals. Right? So let's let's say you normally pay them a thirty percent split, but you wanna say any deal that you bring in that's over a hundred thousand dollars of volume every month or every quarter, however you wanna set it up, we're actually gonna pay you a forty percent split.

So, definitely incentivizing ISOs or agents, to bring in those bigger deals and, giving ISOs a way to reward them automatically. Right? So that is not, something that you have to do manually. This is something that would happen automatically for you once it's set up and configured.

So, yep, again, that is readily available for you to use.

If you have, you know, any questions on that, you can definitely reach out to support.

Pay order. This is what I'm also very excited about. This has been really, really well received by ISOs.

This just says, pay one person their residual and then pay the second person based on the amount that's remaining after the first payment was made was made. So an example showing here, we have Landon at sixty percent and Andrew at ten percent.

If a hundred dollars comes in on this merchant, Landon's gonna get paid sixty dollars, and then Andrew's gonna get paid ten percent of the forty dollars that's remaining. So you can see there that the total payout is now sixty four percent instead of what you would expect seventy as the the total of that.

We did have this functionality already.

You can use net splits to do this.

But especially when you get into layers of two and three, that calculation of how to how to come up with the correct net split. It becomes a lot more complicated, room for error. The pay order is a simple drag and drop.

Very, very easy tool. Very intuitive.

So a lot of ISOs have been very excited about, about this one. So, yeah, another great one.

And, last but not least, we have dynamic line items here. We sometimes often refer to this as quantity based payouts as well, but, really, this is a way to give an activation bonus to your agents, so you can set up, different tiers of, how this will work. But, so in the example showing here, over the last month, if you activate you know, five merchants activate and start processing, you know, you're not gonna get a payout. But if you go over five, then you're getting a two hundred dollar bonus. If you go over ten, you're gonna get a two hundred and fifty dollar bonus.

These can also be set up dynamically.

So that would just mean that the number showing here would be multiplied by the number of activations.

So if you wanted to give them two dollars per activation, you would just hit this little checkbox here to make that work that way. So, yeah, another very, very exciting tool.

Very curious to hear feedback on that as well and, get your feedback to see, you know, how you're feeling about it and how, you think it should work maybe or if you like it or if you don't like it. Always always wanna hear your guys' feedback.

You know, like I said, Andrew, Tatenda, and I, you know, we we really do we take your feedback, and we we we deliver it to the product team. So we make sure that, you know, the things that are needed in the in the marketplace are being delivered by the product team and, passing along that feedback. And as you probably know as well, or may or may not know, there's also a great give feedback option up at the top right of your CRM.

You just click on your name and then put give feedback, and that does get submitted directly to our product team as well.

So that way you can not only have us, advocating for, what you're talking about, but, submit it directly to them. And then other users of the CRM have the ability to go in and upload that, to emphasize the importance of it. So, yeah, speak with that.

Feel like we're in a good place to jump over to q and a here.

I think we've got quite a few in it.

Right?

Yeah. Lots of lots of, engagement, which is exciting to see. And thank you so much, Neil, for walking us through all of the enhancements.

To Neil's point, all of this all of these enhancements were based off of direct feedback from our partners.

We're listening to you, and, we encourage you to submit that feedback because next time when we when we talk about residuals, it might be your idea or your request that we've gone ahead and implemented.

So, keep on submitting that feedback.

And, and like I said, we're listening to you. So without further ado, I think we can, we can jump into questions.

So question number one was, where is the source data for the buy rate?

So the source data for your buy rate, I mean, that would be assuming we're talking about the same thing here.

That would be your schedule a that you get from the processor. Right? Maybe they've not provided you with one, but your buy rate is what you expect to be charged for a given fee.

Right? And so you would have one with the processor as well as maybe you would have a a schedule a with your sales agent. Right?

If you don't have a schedule a from the processor, I would imagine you could probably request one, or you can do it the old fashioned way, go into the residual file and calculate, you know, if I have that fee detail, you know, how many times did this fee occur, divided by what was I charged? And there you can see, you know, the the rate that you are being charged for that particular fee.

Right. Thanks, Neil.

Yeah.

Alright.

This one came up a couple of times.

We have, we have some partners that are boarding to the NMI gateway, which is great to hear. Did you know that you can board to the NMI gateway directly from Merchant Central using through Turbo app? If you didn't, we did also cover that in a webinar, late last year. So encourage you to check out our webinars, and we can also send you a link of where all of our previous webinars have been stored.

But, yes, with regards to the gateway question in particular, can we get gateway residuals factored into this? Is it possible, I guess, to bring the gateway residuals into, our calculator tool?

Yeah. Definitely.

It it is definitely possible.

It you know, the thing that, will sometimes create an issue is you'll you'll have a a gateway file, and I'm not sure if we're talking I guess I should start by saying, the NMI gateway, we have as Jen just alluded to, we've just, you know, created a new, fully integrated process so you that those residuals can automatically come in for you. Right? But for other gateways, maybe you get a monthly file from them, that, you wanna incorporate into your residual. Right?

It's definitely possible. It's not difficult. The issues that we sometimes run into is that there won't be a mid on that gateway. Right? Maybe it'll be a gateway ID that's unique to that gateway, and it will be different than the mid, that you have in your system.

So in cases such as that, I can show you how to do a very easy v lookup to, just say, if you find this gateway ID, replace it with this MID. That's one solution.

And then we, you know, import with the MIDs, having been converted. Right?

The other thing that I've seen is some gateways have the option for you to have, like, an external identifier or some other field inside of the gateway portal that you can enter in that MID that you're looking for, that can be exported with your monthly file that you get from them. So that's another solution for that as well. So, totally possible to incorporate those gateway fees, and and residuals into your calculation. Yeah. No no problem.

K. Yes.

And I think we got a quick follow on question, actually, that just came in.

Someone asked him, they put the MID or the MID as the external identifier. Can that be possible using it that way?

Yeah. Exactly. Yep. That's exactly kinda what I just, alluded to. So, yeah, if you, have the ability to include an external identifier in your gateway, that's where you can enter in that mid so we can avoid the vlookup that I mentioned.

You know? You don't have to convert anything. It'll already be included in your statement that you get, and we'll just create that in your mapping, so that when you drop that file in, it'll read that as the MID. So, yeah, definitely possible.

So the another question is, I'd like to know more about the fee verifier. When I import residuals, am I not seeing the ability to verify our buy rates?

Is there a feature that we have to request to be turned on, or is there a setup missing under our processes?

Great question. So, and, that is because some so if there are certain residual files that the system already knows how to read, for example, like a Fiserv Passo file, that's a standard file. We see it all the time. We've already built that logic in. But there are litany of other files that, we need to create a mapping for it to read that.

So if you want to see that and you're not currently seeing it, you can reach out to support to schedule something if you're not familiar with how to do it yourself.

But, we just basically need to create in your files mapping the logic that says, here's the fee count, and here's the fee expense amount, so that it knows when you drop that file in, I'll parse that information. Right? So, and I mentioned this kinda during that piece, but, if you have just a summary file that only shows gross income expense and it doesn't have that fee detail broken out, then there's really not anything we can do, unless we have that fee detail, in in the in the file. So great question. Yeah. Please reach out to support.

We are happy to schedule a call to help you get that set up if it's not already.

Great. Thanks, Neil.

In reference to residuals historical visibility, can you set it up to have a rolling period, say eighteen months, where it's visible to the agent?

Yeah. I think I understand that question correctly.

You can I mean, we looked at it and had all those checkboxes?

You can select any checkboxes that are relevant for that individual. So if there's eighteen if it's an eighteen month period, you can say, you know, after this month, turn it on, and then after this month, turn it off.

As far as rolling, I'm not really sure if I understand that piece, but, you know, like yeah. I don't know. May but I don't know if that would need further clarification or not, but, maybe follow-up with us if, if that doesn't answer your question.

And, how is, how is it different from permission changes inside of the residuals import tab?

Now we're talking we're still on the topic of visibility residuals visibility, or is it a faster process?

So how does it change how does how is that different than what's in the the user class permissions? Is that kinda what it said? Right?

It's it's I'd say oh oh oh, so I can clarify.

I think, so within residuals historical visibility, this is at the merchant level, whereas permission on the import are more for the entire upload. I think it's really really comparing the two. Yeah.

Yeah. Right.

That is correct. Yeah. It is on the merchant level.

That's exactly a great decision to make. So, you could set this visibility up on a merchant level, whereas, you know, granting permissions, to residuals using user classes is different. Right? So for a basic user is what is the user class is referred to would be like a sales rep or referral partner. They have associated access, meaning they can only see residuals for the accounts that they are assigned to directly.

Then if you move up to the next level, you have, like, an advanced user. Right? And this is someone who might be a sales manager who they can only see they can see whatever they're assigned to directly, but they can also see, residual data for agents that they manage. Right? So on their user profile, you would create a manager, managee relationship, and then they would have access to see anyone that they manage, the residuals for that those individuals.

And then on the the final level, you have an administrator level who is like yourself and can just see absolutely everything, regardless of permissions.

So, those are kind of, like, how the residual, permissions work.

You can also customize processor residuals, like hiding groups, user classes from seeing specific processor files. But, usually, the former that I'm that I talked about is kind of the the the way you would manage residuals before historical visibility and after. Yeah.

Maybe on the similar but different topic. For people that are using net splits, would you recommend that they move to dynamic splits?

Yeah. So it would be pay order would be the the replacement for, net splits.

I think that it can be used. It's just very situational, because sometimes net splits are used to accomplish other things as well. Net splits can say, I get an I I receive a hundred dollars from a merchant, as the ISO, and we pay a fifty percent split on it. But we don't pay fifty percent of one hundred percent of it.

We pay fifty percent of ninety percent. So you take that ten percent haircut, you know, cover overhead, and then what you're actually paying out is fifty percent of ninety. So the residual paid out is forty five dollars. Right?

So that's that's a different thing than pay order, which is where there's multiple users.

One's being paid out first, and then somebody is being paid out second.

So, you know, both both features there is some overlap, but, like, both features kind of do unique things.

But, definitely, if you want to, reach out to support, just, shoot us an email, and we'll take a look at that specific scenario for you and see if it's a good fit for you.

Perfect. Thank you.

So we'll just, cover a couple more questions before we wrap up. There was a lot of questions. Thank you so much for everyone's engagement. If we don't get to your question, we will follow-up through an email.

And as Neil, Neil already alluded to, if you need further clarification, feel free to reach out to support on any of the items, and, they'll definitely direct, any of your requests to Neil and his team.

So, this is this is, interesting because we've heard this one before. Is there a way to set the legacy view as default?

We're talking about residuals b two versus legacy.

That's yeah.

For sure. So I don't remember exactly how this works. I think that if you switch back to legacy, yeah, I don't think it yeah. It doesn't stay that way.

You know, I don't think there is a way to do it. I would say that.

You know, but, I would encourage you to try really hard to get used to the new look. You know, I know because I, you know, I went through this myself. Like, I'm like, oh, you know, I'm so used to it looking this way. Now it's a new look.

I I get it. Like, it it can be difficult to, adjust, but I think, once you spend a little bit of time kinda using it, it, like, really clicks very quickly because, really, everything is exactly the same, just kind of different different, graphics and everything. So, yeah, if you're still continuing to have issues, please reach out to me or support, and, you know, happy to give you a quick, you know, quick call and, answer any questions, hear any concerns you have, and make sure that you are comfortable with it yourself and comfortable with sharing it with your agents as well.

So It's like anything any any change.

It does take a little bit of getting used to, but, take it from Neil and take it from us internally. Once you, once you familiarize yourself with the new view, the new UI, you will learn to love it, as we all have. And, and, yeah, I strongly encourage you to to familiarize yourself with the v two.

Alright.

So like I said, if we didn't get to your question, we will follow-up through email. Thank you again for all of your engagement.

Neil, if you could just flip over to the next slide.

Thank thank you very much. Alright.

Yes. So here at, Merchant Central or NMI Merchant Central, we offer a lot of products and solutions for you.

Already spoke about the NMI Gateway. We do have a direct connection through Merchant Central wherein you can open up gateway accounts through one click.

So that option is available to you. So we do have our gateway. We have NMI payments. So So if you're ever looking for an embedded payment solutions, we have you covered there. And then merchant relationship management, this encompasses so much, not just the residuals tool, but we have processor boarding through our turbo app. We have processor reporting. We have automated underwriting.

We have esignature and web forms. So we have the whole suite of solutions that allow you to that allow you to manage your merchants, in one single location.

Twenty twenty five, we're working on one x, which is essentially one platform to manage your whole, your merchants.

So if you are utilizing our gateway, you'll be able to access the gateway directly from within Merchant Central.

So like I said, one place, one platform, one experience. That is a big push for us this year. If you're interested in learning more about our features and our solutions, feel free to contact any of us. We will be sending out this recording. We'll be sending out the links to former webinars in case you wanna learn more about our features and functionalities.

And, thank you all so much for joining today. Thank you, Neil, for taking us through all of the latest and greatest enhancements.

And, look forward to seeing you all again next time on our webinar.

And, yeah, look out for the registration. We will be hosting another webinar in the coming months and, excited to see you all again.

Thank you everyone and, enjoy the rest of your day.