The payment operations platform for all your payment workflows

Numeral combines robust bank integrations, a modular API, and a modern dashboard - everything you need to scale payment operations with confidence.

Payments

Send payments through SEPA credit transfer and instant credit transfer

Collect payments through SEPA direct debit core and B2B

Send international payments through SWIFT

Manage SEPA R transactions (recalls, rejects, returns, and refunds) and inquiries

Receive real-time notifications as payments are processed

Features

Payment file batching, generation, signature, and encryption

Payment status report file validation and parsing

Bank cut-off time management

Corporate and interbank / SEPA indirect participant payments

Accounts

Receive prior-day balances and transactions at the end of the day

Receive intraday balances and transactions throughout the day

Receive real-time notifications as transactions are posted and balances are calculated

Search balances and transactions with no history limit

Features

Account debit and credit notifications

Prior-day account reports

Intraday account reports

Account report file parsing

Connectivity

Connect to your banks through a single REST API

Numeral connects to your banks and manages payment, payment status report, and account report files for you

Be notified in case of bank connection or file transfer failure

Features

SFTP / EBICS / MQ / bank API support

ISO 20022 XML pacs and pain message support

File validation, description, and parsing

File validation, description, and parsing

Bank server / API monitoring

Reconciliations

Automatically reconcile payments processed with transactions posted

Use virtual IBANs to automate the reconciliation of incoming payments

Use expected payments to reconcile payments executed outside of Numeral

Receive real-time notifications as reconciliations are created

Features

Flexible reconciliation data model

Automated reconciliation engine

Manual override of automated reconciliations

Custom reconciliation rules

Counterparties

Onboard and verify counterparties to facilitate payments

Manage all counterparties and counterparty accounts in one single place

Assign virtual IBANs to counterparties and rotate virtual accounts across counterparties

Notify counterparties as you send, request, or receive payments

Features

Multi-account counterparty support

Account number verification

Account holder verification

Direct debit mandate management

Controls

Approve payment orders and payment files before they are sent to your banks

Setup payment approval workflows that match your internal controls

Review audit trails of your payments and counterparties

Keep the full control of your data

Features

Payment order and payment file approvals

Counterparty and counterparty account approvals

Action logs and audit trails

Payment files history

Dashboard

Review and approve payments in one single place

View all account balances and transactions with no history limit

Invite users, assign user roles and permissions, and setup payment approval workflows

Import and export data through CSV

Features

Advanced filtering, sorting, and search

User roles and permissions

Payment status history and audit trails

CSV import / export

Developer center

API

Integrate Numeral’s REST API into your own product and systems

Receive real-time notifications through webhooks

Manage API keys, IP whitelisting, and webhooks in the developer center

Features

REST API

API security (HTTPS, IP whitelisting, mutual TLS, and webhook header signature)

Idempotency

Metadata

Events and webhooks

Industries

Payments

Automate payments and reconciliations at scale. Add new payment methods into your products through a single API.

SEPA indirect participants

Connect to your SEPA sponsor bank and automate all your payment, R transaction, and reconciliation flows.

Lending

Differentiate through better payment options to customers and merchants. Enhance gross margin by automating your payment operations.

Insurance

Embed real-time claim payments into a frictionless global claim management flow.

Real estate

Automate and centralise payments from rents collection to supplier payouts into a single platform.

Payroll

Attract and retain the best talents on your platform through faster payments.

Marketplaces

Automate merchant payouts and keep track of funds with ledgers.

Travel and transportation

Grow faster with better payment operations. Automatically and instantly send payouts to your suppliers.

Not sure where to start?

Let’s talk about how we can work together to accelerate your payment flows. We can demonstrate our platform, create a plan or get started right away.

Contact us