PAYMENTS

Build differentiated payment experiences with your banks

Improve customer experience

Streamline payment operations

Scale with confidence

Send, receive, and reconcile payments with your banks through a single API. From adding SEPA instant payment and UK faster payments to launching digital wallets, Numeral supports payments companies throughout all their stages of growth.

Send, receive and reconcile payments with your banks through a single API. From adding SEPA instant payment to launching digital wallets, Numeral supports payments companies throughout all their stages of growth.

A solution for all your payment use cases

Automatic top-ups

Allow users to configure automatic top-ups, debited directly from their bank accounts, leveraging ledgers and direct debits.

External credit transfers

Enable users to initiate FPS, Bacs and SEPA credit transfers to any counterparty directly from your application, using funds from their wallets.

Instant wallet withdrawals

Offer superior user experience by enabling instant wallet withdrawals, thanks to automated payment workflows that fit your internal controls and UK faster payments and SEPA instant credit transfers.

Automatic reconciliation

Enjoy automated reconciliation of your operations and safeguarded accounts.

Digital wallet management

Leverage ledgers and virtual IBANs to track and maintain users' balances.

Programmatic treasury management

Move funds across your settlement and safeguarded accounts to optimise liquidity and comply with regulations.

Direct connectivity to any bank

Easily connect to any bank via a single API. Launch in new countries quickly, build and nurture close relationships with key banking partners.

SEPA, Bacs and FPS indirect participants

Easily connect to your sponsor bank and issue your own IBANs, gain control on payments and R-operations and lower your costs.

Automatic top-ups

Allow users to configure automatic top-ups, debited directly from their bank accounts, leveraging ledgers and direct debits.

External credit transfers

Enable users to initiate FPS, Bacs and SEPA credit transfers to any counterparty directly from your application, using funds from their wallets.

Instant wallet withdrawals

Offer superior user experience by enabling instant wallet withdrawals, thanks to automated payment workflows that fit your internal controls and UK faster payments and SEPA instant credit transfers.

Automatic reconciliation

Enjoy automated reconciliation of your operations and safeguarded accounts.

Digital wallet management

Leverage ledgers and virtual IBANs to track and maintain users' balances.

Programmatic treasury management

Move funds across your settlement and safeguarded accounts to optimise liquidity and comply with regulations.

Direct connectivity to any bank

Easily connect to any bank via a single API. Launch in new countries quickly, build and nurture close relationships with key banking partners.

SEPA, Bacs and FPS indirect participants

Easily connect to your sponsor bank and issue your own IBANs, gain control on payments and R-operations and lower your costs.

A payment operations platform for payment companies

Payments

Send payments through SEPA credit transfer and instant credit transfer, Bacs, and FPS

Collect payments through SEPA direct debit core and B2B and Bacs direct debit

Send international payments through SWIFT

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

Receive real-time notifications as payments are processed

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

Connectivity

Connect to your banks through a single RESTful 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

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

Counterparties

Onboard and verify counterparties to facilitate payments

Manage all counterparties and counterparty accounts in one single place

Assign virtual accounts to counterparties and rotate virtual accounts across counterparties

Notify counterparties as you send, request, or receive payments

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

Frequently Asked Questions

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. We also build in the support and management of edge cases, bank servers unavailability, etc.

Can I use Numeral to connect with my SEPA sponsor bank as a SEPA indirect participant?

Yes, visit our SEPA indirect participant page for more information.

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.

Are there limits on payment volumes and amounts?

No, there are no technical limits on payments amount nor the number of payments you can process on the Numeral platform. Please note that your banks can limit the number and amount of payments.

How much does Numeral cost?

Numeral’s pricing consists of a platform subscription fee, a fee based on the payments processed on the platform, and a fee based on the number of accounts connected to the platform.

Can I use Numeral with any bank?

We need to have an integration with your bank for you to use Numeral. Check our current bank coverage. We’re 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!

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.

Resources

Banking Partners

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Payment Landscape

How PSPs fight IBAN discrimination

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