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Launch ScanX Scorecards and View History on Merchant Record in Merchant Central (Beta)

Updated

This feature is currently available for Beta testing. Contact Support to enable.

Overview

Merchant Central users with ScanX connected can now see a merchant's complete Scorecard history — and launch new Scorecards — directly from the merchant record.

Previously, this integration lived only on the lead tab, which surfaced just one Scorecard tied to that lead. Now every Scorecard associated with a merchant (matched via Lead ID) rolls up onto the merchant record itself, giving underwriting and risk teams a full picture of past reviews in a single view.

Launching a new Scorecard is also no longer tied to changing a lead's status — a dependency that made it risky to run checks on merchants who were already live and processing, since a status change could skew reporting. 

With this update, teams can trigger one-off checks (like verifying an ownership change or a new bank account) or run an off-cycle MonitorX check when something looks off, without ever touching the lead status.

Prerequisites

Before configuring ScanX and MonitorX for merchant records in Merchant Central, confirm that:

  • You have a ScanX contract with NMI
  • You have the ScanX → Merchant Central integration configured
  • User has connected their ScanX and Merchant Central accounts
  • The AEX_UNDERWRITING feature flag is enabled (contact support to enable)

How do ScanX and MonitorX work in Merchant Central?

The Lead ID from the merchant’s linked lead is used to tie multiple ScanX records to the merchant to display their full Scorecard history. Both ScanX and MonitorX Scorecard types are shown in the reporting and can be launched in the UI.

The configured mapping groups enable a Scorecard to be launched from the merchant record. If no mapping groups have been set up, then no scorecards will be displayed to launch. A new mapping group type is used to separate the existing status trigger flow from launching ad-hoc Scorecards to limit any potential impact one has on the other.

When a user launches a Scorecard from the merchant record, it is ultimately using the lead data from the linked lead record. This is because lead field data can be updated by Merchant Central users so you can run checks on net new data that the merchant reporting may not have.

All of these capabilities are driven by the core integration between the two platforms that already exists and is a prerequisite to using the new functionality. In order to view and launch Scorecards in Merchant Central, the user also needs to be a ScanX user and have their accounts for each tool connected.

Enabling ScanX and MonitorX in Merchant Central

To enable the feature, configure the Scorecards that can be launched, grant the appropriate Merchant Central user class permission, and connect each user's Merchant Central and ScanX accounts.

Create a mapping group

Complete these steps for each ScanX or MonitorX Scorecard that should be available to launch from a merchant record.

  1. In ScanX, expand the Administration menu.
  2. Go to Integrations → Merchant Central → Map Fields.
  3. The Merchant Central Integration Manager page opens.
  4. Select the Transaction (Scorecard) you want to enable in Merchant Central.
  5. Click + New Mapping Group and enter a name for the mapping group. 
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  6. Select Trigger Scorecard from Merchant Central as the mapping group type. 
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  7. Select the model ID for the Scorecard, then click Next.
  8. Configure the mapping group. We recommend selecting Import existing mapping group to reuse the mapping already used to retrieve data from the Merchant Central lead record. You can also create a new mapping or import a previously exported mapping.
  9. Select the same Transaction (Scorecard) that you selected in step 4.
  10. Select the existing mapping group you want to reuse. If the ScanX and Merchant Central integration is already configured, there should typically be a GET mapping group used to retrieve data from the Merchant Central lead record for the existing status-change workflow. 
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  11. Click Save, then click Confirm to create the mapping group.
  12. Review the field mappings and update them if needed. The imported mapping should typically work without changes. If you make changes, click the save icon.

Enable the Merchant Central user class permission

  1. In Merchant Central, open the left navigation panel.
  2. Go to Manage → User Classes.
  3. Click Permissions for the user class you want to update.
  4. Scroll to the Underwriting section.
  5. Enable ScanX Scorecards on Merchants. 
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Connect a user's ScanX and Merchant Central accounts

Each user who needs to access ScanX functionality from Merchant Central must connect their ScanX account.

  1. In Merchant Central, open the user settings menu in the upper-right corner.
  2. Click Settings.
  3. Go to Connected Accounts.
  4. In ScanX, open the user settings menu in the upper-right corner.
  5. Click Personal Details.
  6. Click Generate Merchant Central API Token.
  7. Copy the generated token.
  8. Return to the Connected Accounts page in Merchant Central and enter the token. 
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For additional integration setup information, see the ScanX Integration Guide.

How to view Scorecard history from a merchant record

  1. Open the merchant record in Merchant Central.
  2. Click the Underwriting tab.
  3. Review the ScanX and MonitorX Scorecards associated with the merchant.
  4. Click the arrow on the right side of a Scorecard to expand its details.
  5. To view the complete Scorecard in ScanX, click the external-link icon. The Scorecard viewer opens in ScanX. 
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Scorecard information displayed in Merchant Central

Using the merchant's linked lead, the Underwriting tab displays ScanX and MonitorX Scorecards associated with the Lead ID.

When a Scorecard is collapsed, Merchant Central can display information including:

  • Scorecard name
  • ScanX ID
  • Creation date
  • Decision reason or reasons
  • Scorecard status
  • Scorecard type, such as ScanX or MonitorX
  • Overall flag

Users can click the external-link icon to open the full Scorecard in the ScanX Scorecard viewer.

Scorecard status colors

The indicator on the left side of a Scorecard uses the following colors:

  • Blue: Open
  • Yellow: Pended
  • Red: Declined or Cancelled

When a user expands a Scorecard, additional information is displayed, including the assigned underwriter and any scoring rules that were flagged, along with the corresponding flag and score.

How to launch a Scorecard from a merchant record

Users can launch an available ScanX or MonitorX Scorecard directly from the merchant's Underwriting tab. The user must have a connected ScanX account, the required Merchant Central permission, and access to the selected Scorecard through ScanX.

  1. Open the merchant record.
  2. Click the Underwriting tab.
  3. Click Launch Scorecard.
  4. Select the Scorecard you want to launch. Available Scorecards are organized by type, such as ScanX or MonitorX. 
    406.png

Launching a Scorecard from the merchant record does not require changing the linked lead's status.

Frequently Asked Questions

  • Can users who do not have a ScanX account view or launch Scorecards? No. To use the ScanX integration functionality in Merchant Central, the user must have a ScanX account connected to their Merchant Central account.
  • Do MonitorX Scorecards work with merchant records? Yes. Both ScanX and MonitorX Scorecards can appear in the merchant's Scorecard history and can be launched from the merchant record when properly configured.
  • Are all Scorecards automatically available to launch from a merchant record? No. A Trigger Scorecard from Merchant Central mapping group must be configured for each Scorecard that should be available to launch.
  • Do staff members with ScanX accounts automatically have access to the Underwriting tab? No. The user's Merchant Central user class must also have the ScanX Scorecards on Merchants permission enabled.