These third-party vendors represent some, but not all, of the integrations that power the Narmi Grow and Narmi Banking platforms. Please contact your Narmi Relationship Manager to see if we support a third-party vendor not listed here.
For more in-depth articles on some of these vendors, go to Account Opening TPVs and Digital Banking TPVs.
Agent IQ
Agent IQ provides a digital customer engagement platform, Lynq™, which augments human bankers with AI to deliver a highly personal, efficient, and scalable digital banking experience. We partner with Agent IQ in Narmi Banking for web and mobile apps to provide live chat with AI self-service, video chat, co-browsing, and real-time language translation. Learn more at Agent IQ in Narmi Banking.
Alkami
Alkami is a financial technology company that provides a cloud-based digital banking platform for financial institutions, primarily banks and credit unions. Our integration with Alkami enables users to create an account through Narmi Grow and then enroll directly with Alkami’s digital banking platform. This feature is relevant only if your institution uses Narmi Grow and Alkami’s digital banking product. For more information, go to Alkami Integration.
Alloy
Alloy is a global identity decisioning platform that helps financial institutions and Fintech companies automate their decisions, approve more good customers, and prevent fraud. Alloy is required to complete the financial institutions' Know Your Customer (KYC), Know Your Business (KYB) through Middesk, Bank Secrecy Act (BSA), and anti-money laundering (AML) processes in our Account Opening product. Alloy is also used for Narmi Guard Transaction Monitoring in Narmi Banking. For more information, go to About Alloy.
Atomic
Atomic Financial provides an infrastructure solution for connecting apps and services to payroll accounts. Atomic enables users to easily and automatically switch their direct deposit from one bank account to another directly within a banking app. This helps financial institutions gain primacy by making it seamless for new customers to fund their accounts. We integrate with Atomic for direct deposit in Narmi Banking for consumers. For more information, go to Direct Deposit.
Authorize.net
Authorize.net is a payment gateway service that allows merchants to accept credit card and electronic payments on their websites and via an IP connection. We connect to Authorize.net for ACH/card funding during Account Opening. Integration with this vendor is required for card funding of our Account Opening product. For more information, go to About Authorize.net.
Banno
Banno is a digital banking platform from Jack Henry. Our integration with Banno enables users to create an account through Narmi Grow and then enroll directly with Banno’s digital banking platform, pre-filled with their information. This feature is relevant only if your institution uses Narmi Grow and Banno’s digital banking product. For more information, go to Banno Integration.
BizChex
BizChex is a business verification service provided by ChexSystems, which is a partner of Alloy. BizChex helps institutions verify business identities, assess risk, and automate the onboarding process for new business accounts, particularly for small businesses. BizChex is an optional add-on you can include in your institution’s Allow workflow.
Candescent
Candescent is a digital banking solutions provider. Our integration with Candescent enables consumer users to create an account through Narmi Grow and then enroll directly with Candescent’s digital banking platform, pre-filled with their information. This feature is relevant only if your institution uses Narmi Grow for Consumers and Candescent’s digital banking product. For more information, go to Candescent Integration.
CheckFree
Fiserv CheckFree is an optional third-party vendor that provides Bill Pay payment functionalities in Narmi Banking. For more information, go to CheckFree.
Deluxe
Deluxe is a financial services technology company that provides payment, data, and check ordering tools. We integrate with the Deluxe check ordering system, allowing customers to order checks directly from Narmi Banking. For more information, go to Account Services.
Elavon
Elavon is a merchant account provider that we use for card funding during account opening. Elavon processes and approves the transaction, handles the transfer of funds from the purchaser, and deposits them into the financial institution. Elavon is tightly integrated with Authorize.net and is required for our Account Opening product. For more information, go to About Elavon.
Ensenta
Ensenta is owned by Jack Henry and provides cloud-based, real-time payment and deposit solutions for web and mobile. We leverage Ensenta for remote deposit capture (RDC) risk review and related deposit-monitoring alert functionality. Ensenta is optional; however, this integration is recommended for financial institutions that use Narmi Banking and want to offer RDC to their customers. Please contact your Narmi General Manager to start integration. For more information, go to About Ensenta.
FIS Positive Pay
FIS Positive Pay is a fraud-prevention service offered in Narmi Banking for business customers. It helps protect against check and ACH fraud by automatically comparing transactions presented for payment against a list of authorized payments provided by the business. Any discrepancies, called "exceptions," are flagged for the business to review and decide whether to approve or reject the payment. For more information, go to FIS Positive Pay.
Glia
Glia's ChannelLess™️ platform facilitates seamless communication and collaboration between customers and support agents across multiple channels, including live chat, video calls, and CoBrowsing. Leveraging AI-powered insights and workflow automation, Glia enhances customer interactions, improves operational efficiency, and ensures compliance and security in customer service processes. We partner with Glia in Narmi Grow and Narmi Banking for web (not mobile), helping your institution create a lasting impression at critical moments of the customer journey. Learn more at Glia.
Harland Clarke
Harland Clarke provides personal checks, business checks, and related financial products. We integrate with Harland Clarke, allowing customers to order checks directly from Narmi Banking. For more information, go to Account Services.
Intuit
Intuit offers a range of products to help individuals and small businesses manage their finances and comply with regulations. For our Business Digital Banking product, we support optional Intuit connection types that allow users to manually or automatically update transaction information in Intuit products. Please contact your Narmi General Manager to begin the integration process. For more information, go to About Intuit.
iPay
iPay Solutions is owned by Jack Henry and provides online consumer and business bill pay, as well as other payment solutions. Bill Pay is a service that enables customers to pay bills (such as rent, mortgage, phone, and utilities) online or through a mobile application, eliminating the need to write and mail physical checks. The service makes it easier to organize bills, save time, and avoid late fees. iPay is an optional API-based payment experience; however, integration with this vendor is currently required for institutions that use Narmi Banking and want to offer bill pay to their customers. For more information, go to About iPay.
Main Street
Main Street provides branded check printing and marketing services to community banks and credit unions. We integrate with Main Street, allowing customers to order checks directly from Narmi Banking. For more information, go to Account Services.
Microbilt
MicroBilt is a leading provider of alternative credit data and risk management solutions for businesses, financial institutions, and consumers. We use Microbilt's Risk Verify Database product for manual account verification of ACH funding transactions in the Consumer Account Opening and Business Account Opening products. RVD is an advanced data system that can flag common potential return risks for ACH debits by analyzing 2.3B real-time consumer transactions and providing a rating. For more information, go to Microbilt.
Middesk
Middesk is a business identity platform that helps companies verify and underwrite their customers and automate business verification. Middesk is required for KYB (via Alloy) in our Account Opening product. For more information, go to About Identity Decisioning and Alloy Business Bundles.
Mitek MiSnap
Mitek MiSnap is a patented mobile capture solution that enables an intuitive user experience and instant capture of high-quality images. Mitek MiSnap is required for remote deposit capture (RDC) technology in the Narmi Banking mobile app, which captures a still image of the front and back of the checks that users deposit. For more information, go to About Ensenta.
MX
MX helps financial institutions and FinTech companies quickly and easily collect, enhance, analyze, present, and act on their financial data. We use MX for Instant Account Verification (IAV) in Narmi Grow and Narmi Banking, as well as our personal financial management platform and data enhancement platform. For more information, go to About MX.
NeuroID
NeuroID is a behavioral analytics tool that helps detect fraud during the account opening flow. It is an Alloy partnership product that analyzes user behavior and detects patterns to understand individuals interacting with online applications. NeuroID is optional for our Consumer Account Opening and Business Account Opening products. Contact your Narmi Relationship Manager or Implementation Project Manager to start integration. For more information, go to NeuroID.
Q2
Q2 is a fintech company providing digital banking and lending solutions. Our integration with Q2 enables users to create an account through Narmi Grow and then enroll directly with Q2’s digital banking platform, pre-filled with their information. This feature is relevant only if your institution uses Narmi Grow and Q2’s digital banking product.
Paymentus
Paymentus is an optional third-party vendor integrated via the Narmi Application Framework (NAF) that provides Bill Pay and Person-to-Person (P2P) payment options in Narmi Banking. For more information, go to Paymentus.
Pinwheel
Pinwheel is a fintech company that provides an API platform designed to connect financial institutions and other businesses to consumer payroll data. Pinwheel enables users to easily and automatically switch their direct deposit from one bank account to another directly within a banking app. This helps financial institutions gain primacy by making it seamless for new customers to fund their accounts. We integrate with Pinwheel for direct deposit in Narmi Banking for consumers. For more information, go to Direct Deposit.
Plaid
Plaid is a data aggregator and technology company that operates a data transfer network that securely connects consumers' bank accounts to thousands of fintech applications (e.g., for budgeting, payments, or wealth management). We integrate with Plaid through our Open Banking API, which provides a secure, reliable way for financial institutions to share customer financial data with authorized third parties using the Financial Data Exchange (FDX) standard. With our API, financial data aggregators like Plaid can access customer data directly, eliminating the need for less secure screen-scraping methods. For more information, go to About Open Banking.
SavvyMoney
SavvyMoney is a credit score and digital lending solution that integrates directly with Narmi Banking for consumers. With SavvyMoney, customers can access and monitor their credit scores in real time, access their credit data to find opportunities within a financial institution's existing portfolio, and find interactive loan payment calculators and educational content. For more information on SavvyMoney, please contact your Narmi Relationship Manager.
Topaz Systems Inc.
Topaz Systems Inc. provides electronic signature solutions for digital documents through its signature devices and accompanying software. Our Consumer Staff-Led Account Opening product uses Topaz to collect legally valid handwritten signatures for digital applications. For more information, go to Topaz Systems, Inc.
Twilio
Twilio is a cloud communication platform as a service (CPaaS) that provides APIs for making and receiving phone calls, sending and receiving text messages, and performing other communication functions. We use Twilio for our two-factor authentication (2FA) communications. When a user adds a phone number as a 2FA device, Twilio sends a text for mobile numbers and makes a voice call for landline numbers. For more information on 2FA in our products, go to Two-Factor Authentication. For information on how to see your users’ past notifications, go to Notification History.
Velera
Velera offers a wide range of services and solutions for credit unions’ operations, including payment processing, card management, and fraud management. We integrate with Velera for various card management features, including push provisioning, card replacement, card limit increases, travel notes, and card alerts. For more information on these features, go to Card Management.
Verafin
Verafin offers a variety of fraud management solutions, providing your institution with a centralized platform that combines adaptive fraud alerts, robust case management, management dashboards, and user-friendly reporting functionality. We integrate with Verafin for real-time fraud monitoring with Ensenta, as well as generate and send audit reports to Verafin for regular processing and fraud monitoring. For more information, go to About Verafin.
Vouched
Vouched provides identity capture solutions to verify new customers for KYC and KYB. Vouched thoroughly verifies user identity by leveraging artificial intelligence and performs identity checks across multiple data points to build a data profile that complements the Visual ID check itself, making it easier for financial institutions to detect and uncover fraud. In addition to visual identification and data verification, Vouched helps customers make more informed identity decisions by validating customer identity in the state's DMV registry in real time. Vouched is optional, and you can contact your Narmi General Manager to start integration. For more information, go to Vouched.
VSoft
VSoft is a global provider of banking and payments solutions for financial institutions. Narmi Banking integrates with the VSoft Home Banking Interface, which facilitates the request and retrieval of check images via HTTP. The interface enables end-users to request and view check images connected to their deposit transactions. For information on viewing check images in Narmi Banking transactions, go to Transaction Details.
Zelle
Zelle is a payment network and service that enables users to quickly transfer money between US bank accounts. While Zelle can be enabled across a variety of core banking systems, we currently support Zelle via Jack Henry Associates (JHA) PayCenter, which only works with the major Jack Henry core banking systems (SilverLake, Symitar Episys, CIF 20/20, or Core Director) and FIS Zelle, which works with FIS core banking systems. If you wish to enable Zelle via JHA PayCenter, please contact your JHA representative. For more information, go to About Zelle.