3 steps to better payment operations
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Connect your bank
Enter your bank’s SFTP, EBICS, or API credentials to enable Numeral to securely connect and exchange payment, payment report, and account report files with your bank.
Build your payment workflows
Build your payment workflows – from initiation to reconciliation through approvals – into your own product and tools using Numeral’s API and webhooks.
Run your payment operations
Review, approve, and reconcile your payments from Numeral’s dashboard using built-in user roles and rules.
Numeral connects directly to your bank
Numeral connects to your bank’s SFTP or EBICS server, messaging queue, or APIs to securely send and receive payment, payment report, and account report files.
Build your ideal payment workflows
Integrate Numeral’s API and webhooks to build your ideal payment products and workflows into your systems.
Single API
for any number of banks, accounts, payments, protocols
4 weeks
average integration time
1 line of code
to add a new payment or bank
Run your payment operations at scale
Review, approve, reconcile, and audit your payments in one single place. View all account balances and transactions with no history limit.
One platform to power all your payment operations
Payments
Accounts
transactions in real time from all your bank accounts.
Reconciliations
Receive real-time notifications as reconciliations are created.
One platform to power all your payment operations
Payments
Accounts
transactions in real time from all your bank accounts.
Reconciliations
Receive real-time notifications as reconciliations are created.
How Numeral empowers innovators across industries
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Managing bank integrations at scale is critical to our ability to grow Spendesk. Numeral is answering that exact need, with a strong focus on security and reliability as well as an impressive product development pace.
Numeral is what every PM in charge of payments is looking for: an easy way to tap into banks' file transfer capabilities through APIs. Similar to what Stripe, Adyen, and ProcessOut did for card acquiring, Numeral gets bank transfers into the modern era.
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Thanks to Numeral, we can focus on the most critical incidents and rapidly solve merchant’s issues. Numeral’s complete integration into our and BNP Paribas’ systems, audit trails, and approval rules enable us to further automate the process of managing thousands of daily payments at scale and securely.
Frequently Asked Questions
Does Numeral intermediate funds?
Numeral is a payment operations software, not a payment service provider. As such, Numeral doesn’t intermediate funds. Your funds flow directly between yours and your customers' and partners' bank accounts. Numeral only exchanges files and messages with your banks to initiate payments from your bank accounts or fetch account or payment-related information. Doing so, Numeral enables you to move funds directly in and out of your bank accounts.
Does Numeral use open banking APIs?
No. Numeral connects to bank corporate connectivity channels for increased reliability and cost efficiency of payments.
Can I use Numeral with any bank?
You can use Numeral with any bank we integrate with. Check our current bank coverage here. We are building integrations with new banks every month, and prioritise based on our customers needs. Get in touch with us to discuss your bank coverage needs.
How much does Numeral cost?
Numeral’s pricing consists of a subscription fee, payment fees, and connected account fees
Are there limits on payment volumes and amounts?
No, there are no technical limits on payments amount, nor on the number of payments you can process on the Numeral platform. Please note that both number and amount of payments can be limited by your banks.No, there are no technical limits on payments amount, nor on the number of payments you can process on the Numeral platform. Please note that both number and amount of payments can be limited by your banks.
Do I need to open a new account with my bank to use the Numeral platform?
If you are a corporate or financial institution customer to your banks, there is a high chance that your bank account can connect directly to Numeral through our integrations.
Are there limits on the number of banks and accounts I can work with on the Numeral platform?
No, you can work with as many banks and accounts as you want on the Numeral platform.
Do I have to fund a wallet to use the Numeral API?
No. Numeral connects directly to your bank account to enable programmatic payments without the intermediation of a wallet.
Are there limits on the number of counterparties I can enter on the Numeral platform?
No, you use as many counterparties as you want on the Numeral platform.
Does Numeral open bank accounts for me?
No. We believe that keeping your own relationships with your banks is critical for your business. However, Numeral makes connecting with your banks connectivity solutions seamless. We will guide you with the information you need from your banks in order to make it work.
How does Numeral connect to banks?
For each bank and each payment method, we determine the best bank direct connectivity solution from available options (SFTP, EBICS, API, …). We then build the integration for the selection option, which consists in building the logic that transforms calls made to our API into messages and files accepted by the bank direct connectivity solution, and vice versa, in addition to the support and management of edge cases, bank servers unavailability, etc.
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.
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