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Sub-Processors

Last updated: 30 April 2025

To support NMI and its affiliates (NMI)  in delivering its services, NMI engages Sub-Processors to assist NMI with its data processing activities on behalf of NMI.

What is a Sub-processor?

When NMI engages third party service providers in our capacity as a data processor for our customers personal data, the General Data Protection Regulation (“GDPR”) and a number of other global privacy frameworks call these third-party service providers Sub-Processors. Sub-processors are service providers who have or potentially will have access to or process personal data that NMI processes for, and on behalf of, NMI.

This page outlines which Sub-Processors we utilize, the type of data we send them, the purpose as to why we send them this data, and the residency of the entity.

Updates to this list

Due to the nature of our global business, our business needs and services providers may change from time to time. 

We will periodically update this page to reflect additions and removals to our list of Sub-Processors and Affiliates. 

Under the terms of our Data Processing Addendum (DPA), if you are a contracting party, you may reasonably object in writing to the processing of your personal data by a new Sub-Processor within 14 days following the update of this page. 

If you do not object during the 14 day time period, the appointment of the new Sub-Processor shall be deemed accepted. 

For more information on NMI’s privacy practices, please visit our Privacy Policy. If you have any questions regarding this page, please contact us.

List of Sub-processors

 

CardEase

     

Sub Processor

Data Type

Purpose

Entity Residency

AIB

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU

American Express

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU

Barclaycard

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU

Chase Paymentech

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Credorax/Finaro/Shift4 – ePower

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU

Elavon

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU/ USA

F5 Silverline

End User Data Included in User Interactions, API Calls, and Queries

L7 WAF Cloud Service Provider

USA

First Data/Fiserv

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

CAN / EU/ AUS/ USA

Globalpayments

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU/ USA

Heartland

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Lloyds

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

EU

Logz.io

Business User and End User Data emitted in application and security event logs

Centralized logging and SIEM provider

USA

Moneris

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Network Merchants LLC (NMI)

End User Data Required to Complete Transactions

Sister entity providing transaction processing services in the USA

USA

Sinch

End user data required for transaction receipt delivery over SMS

Communications PaaS provider for SMS

EU

TNS

End User Data Required to Complete UK Financial Transactions

Financial networks connectivity provider

EU

TSYS

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Worldpay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA/ EU

Worldpay/ Vantiv

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

       

Omni

     

Sub Processor

Data Type

Purpose

Entity Residency

ACH Direct

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Alternative Payments International

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Amazon Web Services

Username, Email

SSO Cloud Service Provider

USA

BlueSnap

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

BluSky

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Borgun

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Iceland

Braintree

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Braspag

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Brazil

BrasPag V2

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Brazil

Caledon

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

CAN

Cardinal Commerce

End User Data Required to Complete 3DS Authentication

Financial Acquirer Solution provider

USA

CardWorks

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Cashflows

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Chase Paymentech Salem

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

CheckGateway

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Checkout.com Unified Payments

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Checks2Green

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

CollectPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

CollectPay Credit Card

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

CollectPay Plus

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

CreditGuard

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Credomatic Web Service

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Costa Rica & USA

CredoRax

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Israel

CredoRax v2

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Israel

EFTBOP, LLC

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Elavon

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Electronic Check Multi-Location

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

eMerchantPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

EPX

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Evertec

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

EVO

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

F5 Silverline

End User Data Included in User Interactions, API Calls, and Queries

L7 WAF Cloud Service Provider

USA

FACe – ProPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

First Data Canada

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

First National Bank of Omaha ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Giact

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Global Payments Canada

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

CAN/ USA

Google LLC

User interactions and IP Address

Google Cloud Service

USA

Heartland Payment Systems

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

IntegraPay ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

AUS

iStream ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

KBank

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Thailand

Logz.io

Business User and End User Data emitted in application and security event logs

Centralized logging and SIEM provider

USA

Maverick Payments LTD

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

UK

MeS Payment Gateway

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

NCR Payment Solutions/ JetPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Network Merchants LLC (NMI)

End User Data Required to Complete Transactions

Sister entity providing transaction processing services in the USA

USA

NPC Electronic Check

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Nuvei

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

CAN

Nuvei Digital Payments

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

CAN

Optimal Payments

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

UK

Optimal Payments Canada Check

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

UK

Optimal Payments Check

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

UK

PASPX

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Paya (formerly GETI)

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Payliance

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Payment World

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Paymentech Salem Check

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Paysafe

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Paysafe Processing PxP

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

UK

Plug n Pay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

PowerCARD

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Barbados

Priority MX Merchant

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

ProfitStars ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Profituity ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

ProPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

ProPay ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

RS2 Software

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Malta

Santander

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

El Salvador

Secure Payment Systems ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Smart Payments

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

TNS

End User Data Required to Complete UK Financial Transactions

Financial networks connectivity provider

EU

Transact Europe (aka Ryvyl)

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Bulgaria

Transact Pro

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

Latvia

TSYS

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Turnkey Payments (TPE)

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Turnkey Payments (TPE) ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Twilio

Business User and End User Data

Communications PaaS provider for voice and SMS

USA

USAG ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Vantiv Now Worldpay Core

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Vericheck ACH

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Voicepay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

       

USAePay

     

Sub Processor

Data Type

Purpose

Entity Residency

Chase Paymentech – Tampa – UTF 1.97

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Elavon – Encompass 4.028

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

EPX – PostAPI

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

F5 Silverline

End User Data Included in User Interactions, API Calls, and Queries

L7 WAF Cloud Service Provider

USA

FD

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Global – East Version 2014.002

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Heartland

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Logz.io

Business User and End User Data emitted in application and security event logs

Centralized logging and SIEM provider

USA

MeS

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Planet Payment

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

RapidConnect

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

TSYS

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Twilio

Business User and End User Data

Communications PaaS provider for voice and SMS

USA

Vantiv

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

WorldPay

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

WorldPay RBS

End User Data Required to Complete Transactions

Financial Acquirer Solution provider

USA

Bluefin

End User Data Required to Complete Transactions

P2PE Decryption Solution provider

USA

Virtucrypt (FutureX)

End User Data Required to Complete Transactions

P2PE Decryption Solution provider

USA

Actum Processing

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

CheckGateway

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

EFT BOP

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

Paya

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

Payliance

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

ReliaFund

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

RP Solutions

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

Vericheck

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

Vericheck Veer

End User Data Required to Complete Transactions

Financial Acquirer Solution provider (ACH)

USA

Google LLC

User interactions and IP Address

Google Cloud Service

USA

       

Merchant Relationship Management (Agreements Express)

     

Sub Processor

Data Type

Purpose

Entity Residency

AlertLogic

System information and architecture, server vulnerabilities, system logs, server filesystem contents

Intrusion detection and managed detection response, file integrity monitoring

UK

AWS

All customer data

Infrastructure hosting provider

USA + CAN

CloudFlare

End User Data Included in User Interactions, API Calls, and Queries

L7 WAF Cloud Service Provider

USA

ComplyAdvantage

Business: Name

Owner: Name

Watchlist/sanctions monitoring.

USA

Datadog

System information, system logs, database metadata

System monitoring and observability

USA

Equifax

Owner/ControlPerson: Name, TIN, Address, Phone

ScanX Credit (Individual) – Depracted

USA

Esendex

User’s Phone Number

2FA phone authentication

USA

EverC

Business: Name, Website, Address, Email, Phone

Merchant webcrawl risk detection and post-approval website monitoring

USA

Experian

Owner/ControlPerson: Name, TIN, Address, Phone

ScanX Credit (Individual)

USA

Experian Business

Business: Name, TIN, Address, Phone

Owner/ControlPerson: Name, TIN, Address, Phone

ScanX Credit (Business)

USA

Fastly

End User Data Included in User Interactions, API Calls, and Queries

L7 WAF Cloud Service Provider

USA

G2 Web Services

Business: Name, Website, Address, Email, Phone. Owner: Name, Address, Email, Phone

Merchant website monitoring

USA

Giact (LSEG)

Business: Name, TIN, Address, Phone.

Owner/ControlPerson: Name, TIN, Address, Phone, Email, IP Address.

Banking: Name on Account, Routing #, Account #

ScanX Identity & Banking Data – utilized by majority

USA

IRIS CRM

Business and Owner PII Data, Underwriting Results

Share Merchant & Underwriting data between systems.

USA

KYC Sitescan

Business: Name, Address, Phone, Website.

Owner/ControlPerson: Name, Address, Phone

ScanX webcrawl

USA

LexisNexis

Business: Name, TIN, Address, Phone.

Owner/ControlPerson: Name, TIN, Address, Phone.

ScanX Identity Data

USA

Mastercard

Business: Name, Tax ID, Address, Phone.

Owner/ControlPerson: Name, Tax ID, Address, Phone

ScanX MATCH Integration

USA

Microbilt

Banking: Name on Account, Routing #, Account #

ScanX Banking Risk

USA

Mixpanel

User Browser Information, Customer Name, City, System role, AEX System Info (eg user ID, system IDs), MCC Code, ScanX Score, decision reason.

Product Insights / Usage Analytics

USA

Paya ACH Boarding API

Business and Owner PII Data

Boards merchants to Paya for ACH Processing

USA

Rollbar

API Error Message, Scorecard Id

Provides real-time error tracking for ScanX API errors returned by providers.

USA

Salesforce

Business and Owner/ControlPerson PII Data

Customers can have AEX send data to their respective Salesforce environments (eg. Create/Update Accounts and Contacts)

USA

Segment

User Browser Information, Customer Name, City, System role, AEX System Info (eg user ID, system IDs), MCC Code, ScanX Score, decision reason.

Usage analytics database

USA

Tincheck.com

Business: Name, Tax ID.

Owner/ControlPerson: Name/TaxID

Tax ID Verification

USA

TransUnion Canada

Owner/ControlPerson: Name, TIN, Address, Phone

ScanX Credit Canada (Individual)

CAN

TransUnion USA

Owner/ControlPerson: Name, TIN, Address, Phone

ScanX Credit (Individual)

USA

Userpilot

User Id, Name, Email

In-App usage analytics events reporting

USA

NMI Payments

     

Sub Processor

Data Type

Purpose

Entity Residency

Aperia

PAN, PAN Expiration date, DBA, DBA email address, Owner’s name, MID, DDA, DBA

Risk Monitoring; ACH Returns; chargeback retrieval

USA

Merrick

PII (name, DOB, SSN, Address), DDA, ABA, PCR,DBA information

Sponsor Bank

USA

Caine & Weiner

PII (name, DOB, SSN, Address), DDA, ABA, DBA information

Collections

CAN

GIACT

Name, address, DOB, SSN

Bank account validation

USA

Experian

Name, address, DOB, SSN, email address, TIN – legal and DBA information on the business, and bank ABA/DDA .

Identity verification and credit check

IRE

Chase

Merchant

First Party Processor

USA

Elavon

Merchant

First Party Processor

USA

EPX

Merchant

First Party Processor

USA

Fiserv

Merchant

First Party Processor/ACH Operator

USA

Global Payments

Merchant

First Party Processor

USA

TSYS

Merchant

First Party Processor

USA

Bank of America

Merchant

ACH Operator

USA

Truist

Merchant

ACH Operator

USA

Jack Henry

Merchant

ACH Operator

USA

Salesforce

PII – Name, email, phone number, business address

CRM

USA

       

Merchant Relationship Management (IRIS CRM)

     

Sub Processor

Data Type

Purpose

Entity Residency

Twilio

Business User and End User Data

Communications PaaS provider for voice and SMS

USA

Fiserv

Merchant

Merchant account boarding

USA

FIS Worldpay (Vantiv)

Merchant

Merchant account boarding

USA

Priority Payment Systems

Merchant

Merchant account boarding

USA

TSYS

Merchant

Merchant account boarding

USA

Paysafe

Merchant

Merchant account boarding

USA

Clearent

Merchant

Merchant account boarding

USA

Elavon

Merchant

Merchant account boarding

USA

Fundomate

Merchant

Merchant funding requests

USA

Conformance

Merchant

Merchant underwriting

USA

Agreement Express

Merchant

Merchant underwriting

USA

Paya

ACH account holder

ACH transactions

USA

NMI

Merchant, cardholder

Gateway boarding, card transactions

USA

USAePay

Merchant

Gateway boarding

USA

Authorize.Net

Merchant, cardholder

Gateway boarding, card transactions

USA

Paytrace

Merchant, cardholder

Card transactions

USA

Zapier

Lead

Automation with 3rd party systems

USA

Encytro

Merchant

PCI boarding and reporting

USA

ControlScan/Sysnet/VikingCloud

Merchant

PCI boarding and reporting

USA

Lob

Merchant

Merchant owner birthday postcards

USA

Esquire Bank

Merchant

Merchant account boarding

USA

Westamerica Bank

Merchant

Merchant account boarding

USA

Ambition

User

User performance tracking

USA

Bugsnag

No PII, errors

Error monitoring service

USA

PusherJS

Lead

Websockets service – Events (like, lead note added)

USA

Google Maps

Lead Address

Address autocomplete based on search results

USA

Google Calendar

User

User can sync their google calendars

USA

Google GMail

User

User can send emails using their gmail accounts

USA

Microsoft Calendar

User

User can sync their outlook calendars

USA

Microsoft Outlook

User

User can send emails using their outlook accounts

USA

Google Firebase

Notifications

Mobile App – Device Notifications

USA

Atlassian (Jira)

Mixed

Tasks, Epics, might contain some data

USA

Google Drive

Mixed

Share securely files inside the company

USA

Arcum

Merchant processing data

Retention analysis

USA + CAN

Name

Data Type

Purpose

Entity Residency

Product

Authvia

Phone number

Text 2 pay

USA

Authvia

G+D

Card Holder information

Network Tokenization

USA

Network Tokens

Mastercard

Merchant information, Card Holder information

Provision of card brand tokens

USA

Network Tokens

Kount

Personal Identifying information

Fraud Scrubbing

USA

Kount Fraud scrubbing

Biller Genie

Merchant information

Sign merchant up for Biller genie

USA

Biller Genie

Litle / TSYS

Card holder information

Automatic Updater

USA

Account Updater

Worldpay

Card holder information

Automatic Card Updater

USA

Automatic Card Updater
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