How our payment aggregation infrastructure delivers measurable results.
A pan-European digital services provider needed reliable telecommunications infrastructure to underpin carrier billing operations across five markets. Their existing telephony setup lacked the capacity, redundancy, and regulatory compliance required to support real-time payment authorization via mobile networks. Without carrier-grade voice connectivity to mobile network operators, the provider could not offer phone-bill payment as a checkout option — a critical gap in markets where credit card penetration remains low. They required a partner who could build and operate a VoIP infrastructure that met the stringent uptime and quality requirements of both telecommunications regulators and payment processing standards.
NML designed and deployed a proprietary VoIP infrastructure across multiple European points of presence, establishing direct SIP interconnects with mobile network operators in each target market. The architecture was built for carrier-grade reliability with full geographic redundancy, real-time call quality monitoring, and automated failover between routes. All voice traffic is encrypted and recorded in compliance with telecommunications and payment regulations. This infrastructure serves as the technical foundation for carrier billing, enabling real-time authorization flows between merchants, NML's payment aggregation platform, and mobile operators. The system supports interactive voice response for payment confirmation, SMS-based two-factor authentication, and direct MSISDN validation — all essential components of a compliant carrier billing workflow.
99.97%
Infrastructure uptime
5
European markets connected
<200ms
Average authorization latency
A rapidly growing e-commerce platform was expanding from three to twelve European markets and needed a unified payment aggregation layer that could handle the full spectrum of consumer payment preferences across regions. Their existing single-acquirer setup resulted in high decline rates in newer markets, limited currency support, and no ability to offer carrier billing or local payment methods. With over two million monthly transactions projected and twelve currencies to support, the platform needed an aggregation partner who could consolidate multiple payment channels into a single integration while ensuring PCI DSS compliance and meeting the regulatory requirements of each target market.
NML deployed its payment aggregation platform, consolidating multiple payment channels behind a single API integration. The solution supports credit card processing (Visa, Mastercard) with intelligent acquirer routing, SEPA Direct Debit for recurring subscription payments, and carrier billing via direct mobile network operator connections — enabling customers to pay through their phone bill. The entire infrastructure operates within NML's PCI DSS Level 1-compliant environment, with card data tokenization to minimize the client's compliance scope. We configured intelligent payment method presentation for each market, automatically surfacing the most relevant options based on customer geography: carrier billing in mobile-first markets, SEPA for recurring payments in the Eurozone, and card payments as a universal fallback. Real-time transaction monitoring, automated fraud scoring, and receivables management through established collection partners ensure both security and revenue protection.
2M+
Monthly transactions processed
12
Currencies supported
99.7%
Transaction success rate
A digital subscription service offering streaming content and premium apps across Europe was experiencing significant checkout abandonment in markets with low credit card penetration. In several Southern and Eastern European countries, fewer than half of potential subscribers held a payment card suitable for online transactions, and SEPA Direct Debit adoption among younger demographics remained limited. The platform needed a payment method that could reach the mobile-first consumer segment — users who had a smartphone and a mobile contract, but no readily available traditional payment instrument. They required a partner capable of integrating carrier billing across multiple mobile network operators in a compliant, scalable manner.
NML integrated its carrier billing aggregation platform with the subscription service, connecting five major European mobile network operators through direct technical and commercial agreements. The integration enables subscribers to authorize recurring payments that appear directly on their monthly phone bill or are deducted from prepaid credit. NML's platform handles the full payment lifecycle: MSISDN identification, real-time authorization via the mobile operator, subscription management, and settlement. Each operator integration was configured to comply with local telecommunications and consumer protection regulations, including mandatory double opt-in flows and transparent pricing disclosure. NML also implemented receivables management through established collection partners for failed carrier billing transactions, ensuring revenue recovery without the platform needing to manage collections directly.
5
European networks integrated
40%
Conversion increase in low card markets
Seamless
Phone-bill payment experience
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