Blog

Browse our latest publications on payments, product updates, and more.

Numeral launches in the United Kingdom

The banking aggregation and payment automation platform will help UK fintech companies address the EU market by accessing SEPA and fighting IBAN discriminat ...

Aurélien Gand

💥 Growth Marketing Manager

Aurélien Gand

💥 Growth Marketing Manager

Payment Landscape

83% higher likelihood of consumers choosing fintechs with local IBANs

For many reasons, consumers can be picky when interacting with IBANs and thus choose which financial services to use. At Numeral, we wanted to quantify that ...

Matthieu Blandineau

🙌 Product Marketing Manager

Matthieu Blandineau

🙌 Product Marketing Manager

Our 2023 February Changelog

This month, some new features were launched: advanced monitoring capabilities of SDD R-transactions; enabling file automatic approval; new Returns page in t ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Banking Partners

How bank security protocols help keep the data safe

We explore in this article the main security protocols banks employ to secure the transfer of payment orders with their customers. ...

Victor Mithouard

Victor Mithouard

SEPA Instant Credit Transfer

Instant payments in Europe in 2022 are at an inflection point. The SEPA Instant Credit Transfer scheme finally has broad adoption throughout Europe and planned regulation is aiming to remove remaining frictions.

Payment operations teams are presented with a unique opportunity to build better experiences and make treasury workflows finally real-time.

Download the Guide

Download the Guide

Payment Landscape

How PSPs fight IBAN discrimination

There remain significant operational complexities that fintech companies must navigate when expanding across Europe. One such issue is IBAN discrimination. ...

Victor Mithouard

Victor Mithouard

Payment Landscape

How to replicate Lithuania’s fintech hub success?

Lithuania has become a popular destination for financial technology, or fintech, companies looking to establish a presence in the European Union. ...

Matthieu Blandineau

🙌 Product Marketing Manager

Matthieu Blandineau

🙌 Product Marketing Manager

Banking Partners

The 5 most common bank connectivity channels

A closer look at the most common connectivity channels that banks provide to their customers to transmit payment instructions and retrieve back reporting fi ...

Pierre Guilhou

🏗️ Product Manager

Pierre Guilhou

🏗️ Product Manager

Banking Partners

An overview of the most common bank file and message formats

Companies using direct connectivity solutions need to support multiple message and file formats. Deep dive into the most common ones used by banks. ...

Pierre Guilhou

🏗️ Product Manager

Pierre Guilhou

🏗️ Product Manager

Our January Changelog

Following the launch of Numeral’s Dashboard last month, January has been all about introducing new features to support payment teams better. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Workflow series #1 - Building a buy now, pay later (BNPL) payment flow that scales

A step by step approach at implementing a simplified BNPL payment flow with the Numeral API, inspired by customers such as Alma. Let’s build. ...

Victor Mithouard

Victor Mithouard

Building the foundations of security at Numeral

Numeral processes extremely sensitive sets of data for its customers and banking partners. Discover how security is at the core of Numeral's business. ...

Alexandre Rey Durin

🛡️ Principal Security Engineer

Alexandre Rey Durin

🛡️ Principal Security Engineer

Our December changelog

In December, we enabled users to create virtual accounts and link them to counterparties. From now on, customers can manage the lifecycle of their virtual a ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

A better visibility on your payment operations

From optimising processes to understanding payment incidents, easy human visibility and control of payment operations go hand in hand with increased automat ...

Matthieu Blandineau

🙌 Product Marketing Manager

Matthieu Blandineau

🙌 Product Marketing Manager

SEPA rulebook digest for 2023: what to look for

Every year, the European Payments Council (EPC) updates their SEPA payment schemes rulebooks, which are the set of rules, practices, and standards to achiev ...

Matthieu Blandineau

🙌 Product Marketing Manager

Matthieu Blandineau

🙌 Product Marketing Manager

Our November changelog

In November, we doubled down on payment automation with payment order automatic approval and introduced virtual accounts management into our platform. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

The complexity and CapEx of building a payment automation software

As companies with payments at the core of their product or operations scale, so do their volumes of payments. When this happens, they often decide to replac ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

How Numeral supports SEPA instant payments

The Numeral platform supports SEPA instant payments, in addition to regular SEPA credit transfers as well as SEPA direct debits. Companies can use the Numer ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

The main differences between SEPA Direct Debit Core and B2B

SEPA Direct Debit Core and SEPA Direct Debit B2B both enable regular payments for recurring obligations such as bills, rent, and subscriptions. Functionally ...

Victor Mithouard

Victor Mithouard

SEPA messages: what they are and how they work

What kind of SEPA messages exists? What are their syntax and format? How ISO 20022 sets the standards of messages used by SEPA direct and indirect participa ...

Victor Mithouard

Victor Mithouard

Our October changelog

This October, we expanded our payment methods coverage for SEPA indirect participants, with the support of SEPA instant credit transfer. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Local payment schemes in the UK: CHAPS, BACS, FPS and ATP explained

Though the United Kingdom is within SEPA, the UK relies extensively on local payment schemes because its currency - the pound sterling – is not supported by ...

Victor Mithouard

Victor Mithouard

Banking Partners

Why successful fintech companies are leaving their BaaS providers

BaaS providers have been instrumental in the launch and growth of many fintech companies. The fintech ecosystem might not be as flourishing as it is today w ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

SEPA payments by the numbers

How do SEPA payments compare to other common payment methods in the eurozone? How quickly do the newer SEPA methods progress in the area? ...

Victor Mithouard

Victor Mithouard

R transactions for SEPA indirect participants

In addition to regular SEPA payment flows, SEPA indirect participants have access to additional payment flows. These flows are known as R-transactions. ...

Aurélien Gand

💥 Growth Marketing Manager

Aurélien Gand

💥 Growth Marketing Manager

The challenges companies face when building bank integrations

This article shares our learnings on the challenges of building direct bank integrations. We also outline how an API-first connectivity solution can help ac ...

Luis Rodrigues

🏂 Lead Software Engineer

Luis Rodrigues

🏂 Lead Software Engineer

Our September changelog

In September, we’ve doubled down on reconciliations by introducing a customisable reconciliation engine, and started supporting the EBICS protocol. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

The different stakeholders involved in SEPA

In this article, we outline the key organisations behind SEPA. We examine the role each organisation plays and look at how those actors involved in a SEPA p ...

Victor Mithouard

Victor Mithouard

The different SEPA payment schemes

The first SEPA payment scheme was introduced in 2008, called SEPA Credit Transfer. Since then, SEPA’s functionality has since expanded significantly. Today, ...

Victor Mithouard

Victor Mithouard

Common characteristics of a SEPA payment

SEPA payments are highly standardised, with scheme rules set by the European Payments Council (EPC). Though every SEPA scheme has unique characteristics, th ...

Victor Mithouard

Victor Mithouard

SEPA, its history, and its members

Since 2008, the Single European Payments Area (SEPA) has made euro-denominated bank payments simpler and faster. In 2021, SEPA payments accounted for more t ...

Victor Mithouard

Victor Mithouard

Our August changelog

August has been a busy month, with the addition of SEPA direct debit as a new payment method as well as the support of counterparties. ...

Pierre Guilhou

🏗️ Product Manager

Pierre Guilhou

🏗️ Product Manager

Banking Partners

How Numeral creates value for our banking partners

Banks are essential partners to companies and the most reliable and cost-effective way to send and receive large volumes of payments. This article explains ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

Payment orders and the lifecycle of a payment

Payments are key to the operations of companies across a number of industries such as financial services, insurance, real estate, or temp work. Yet, scaling ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Our July changelog

This month, we are excited to announce the launch of SEPA instant credit transfer as a new payment method as well as our new automated reconciliation engine ...

Pierre Guilhou

🏗️ Product Manager

Pierre Guilhou

🏗️ Product Manager

Opening Numeral to new customers

Today, we are excited to announce that we are now ready to open the Numeral platform to customers, 12 months after my co-founder Hichem Mâalmi and I officia ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

Our June changelog

This month, we are happy to announce that we are now fully supporting SEPA indirect participant payment and related flows, starting with BPCE Payments as ou ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Our May changelog

This month, we are excited to announce the launch of reconciliations as a new building block to our platform as well as expected payments as a new type of p ...

Pierre Guilhou

🏗️ Product Manager

Pierre Guilhou

🏗️ Product Manager

Our April changelog

This month, we have added Société Générale as a new bank. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Our March changelog

This month, we have added support for account transactions and balances as well as virtual account numbers. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Our February changelog

We are happy to announce the launch of our platform and first bank integration with BNP Paribas, initially supporting SEPA credit transfers. ...

Lina Mechat

🏗️ Product Manager

Lina Mechat

🏗️ Product Manager

Our manifesto

Payments are the lifeblood of the economy. When companies grow, handling payment operations manually becomes a real challenge. Numeral removes the complexi ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

Announcing Numeral and our €13 million first round of funding

6 months ago, my co-founder Hichem Mâalmi and I started working on Numeral within the fintech startup studio Logic Founders to build the best payment automa ...

Édouard Mandon

🏄 Co-founder & CEO

Édouard Mandon

🏄 Co-founder & CEO

Browse by category

SEPA 101

Discover the intricacies of the Single Euro Payments Area and the different payment methods it offers to companies.

Inside Numeral

Get a sneak peek into Numeral and our team. We are building the new standard for payment operations and love to share how we are doing it.

Technology

Let’s talk technology and how to build a secure, highly-reliable SaaS payment platform processing billions of euros every year.

Banking partners

Learn more about our European banking partners and how - together with Numeral - they help create value for their customers.

Customer verticals

Payroll, fintech, insurance... every sector has its specific needs when it comes to payment operations. Discover them.

Payment landscape

Learn about pan-European payments, SEPA as well as the challenges and opportunities faced by payment operations teams

Product

Stay in the know of the latest updates to the Numeral platform and features we are launching.

Not sure where to start?

Let’s talk about how we can work together to accelerate your payment flows. Get a demo of our platform, explore our pricing, or get started right away.