Payment aggregation tailored to the specific needs of digital businesses across industries.
Digital content providers, mobile game developers, and streaming platforms need payment methods that minimize friction and maximize conversion. NML's carrier billing capability allows end users to purchase digital goods by charging directly to their mobile phone bill — no credit card or bank account required. This is particularly effective in markets where credit card penetration is low, and for micro-transactions where traditional payment methods create unnecessary barriers.
Our direct relationships with mobile operators across Europe and Asia enable seamless phone-bill payment experiences. For content providers, this means access to a payment channel that can significantly increase conversion rates — especially for impulse purchases, in-app transactions, and one-click content access. We handle the full billing cycle, from charge capture through carrier settlement and reconciliation.
Alongside carrier billing, we offer credit card processing (Visa, Mastercard) and SEPA direct debit as complementary payment channels. This multi-method approach ensures that every customer can pay through their preferred method, regardless of market or device. Our receivables management handles any overdue accounts, creating a seamless flow from purchase to payment recovery.
Subscription-based businesses depend on reliable recurring payment processing and efficient handling of failed payments. NML provides the payment infrastructure that SaaS platforms and subscription services need — SEPA direct debit for predictable, low-cost recurring charges, credit card processing for immediate signups, and carrier billing for mobile-first subscription models.
SEPA direct debit is particularly well-suited for subscription billing across European markets. Once authorized, recurring charges are debited directly from the customer's bank account with minimal friction and low transaction costs. For businesses with customers across the SEPA zone, this creates a reliable revenue stream with high payment success rates.
When payments fail — whether due to expired cards, insufficient funds, or mandate cancellations — our integrated receivables management takes over. Automated dunning workflows send payment reminders through the appropriate channels, and escalation to our collection partners ensures that overdue accounts are recovered professionally. This end-to-end approach from billing to recovery maximizes customer lifetime value and minimizes involuntary churn.
Online retailers and marketplaces need a payment partner that can aggregate multiple payment methods into a single integration. NML provides payment aggregation for e-commerce businesses operating across European and Asian markets — combining credit card processing, SEPA direct debit, and local payment methods into a unified payment infrastructure.
Our PCI DSS-compliant processing ensures secure transactions while our multi-currency support enables cross-border commerce without the complexity of managing multiple payment providers. From checkout optimization to settlement and reconciliation, we handle the full transaction lifecycle so merchants can focus on their products and customers.
Post-transaction operations are equally important. We manage chargebacks, refund processing, and reconciliation, and our receivables management service handles overdue accounts through automated dunning workflows and coordination with collection partners. This gives e-commerce operators a single partner for the entire payment and recovery lifecycle.
NML's own telecom licences and carrier relationships are the foundation that makes carrier billing possible. We work directly with mobile and fixed-line operators across Europe and Asia, establishing the billing agreements that allow charges to appear on end-customer phone bills. For telecom operators, partnering with NML means enabling a new revenue stream through third-party carrier billing services.
As a licensed telecommunications provider registered with the Bundesnetzagentur (Germany), RTR (Austria), UKE (Poland), NBTC (Thailand), and IMDA (Singapore), we operate under the same regulatory frameworks as the carriers we partner with. This regulatory alignment ensures seamless integration into existing compliance structures and direct billing settlement processes.
Our proprietary VoIP infrastructure also supports call center operations for telecom providers — from customer service and technical support to billing inquiries and retention campaigns. We combine deep telecom domain knowledge with our payment aggregation capabilities, offering carriers a partner that understands both the communications and the commerce sides of their business.
Get in touch with our team to explore how NML can power your payment infrastructure.
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