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Our Services

Payment aggregation, receivables management, and supporting technology services — designed to scale with your business, delivered with institutional-grade reliability.

Payment Aggregation

NML acts as a payment aggregator for third-party businesses — enabling them to accept payments through multiple channels via a single integration. We connect merchants and digital platforms to carrier billing networks, credit card processors, and SEPA direct debit schemes, handling the full transaction lifecycle from capture through settlement and reconciliation.

Carrier Billing allows end customers to pay by charging purchases directly to their mobile or fixed-line phone bill. This is particularly effective for digital content, in-app purchases, and micro-transactions where credit card penetration is low or where frictionless checkout drives conversion. Our direct relationships with mobile operators across Europe and Asia enable seamless phone-bill payment experiences.

Credit Card Processing through Visa and Mastercard networks provides the standard payment rails for e-commerce and subscription businesses. Our PCI DSS-compliant infrastructure ensures cardholder data is protected with end-to-end encryption and tokenization at every stage.

SEPA Direct Debit enables recurring payments and one-off charges via bank account debit across the entire SEPA zone. Ideal for subscription models and recurring billing, SEPA direct debit offers low transaction costs and high reliability for European markets.

Key Capabilities

  • • Carrier billing (mobile & fixed-line operators)
  • • Credit card processing (Visa, Mastercard)
  • • SEPA direct debit across the EU
  • • Recurring billing and subscription management
  • • Full PCI DSS compliance
  • • Multi-currency support and FX settlement
  • • Fraud detection and transaction monitoring
  • • Tokenization and end-to-end encryption
  • • Chargeback and dispute management
  • • Payment gateway API integration

Receivables Management

NML provides end-to-end receivables management as a dedicated service — from the first payment reminder through to final resolution. We manage the complete dunning process, ensuring that overdue accounts are addressed systematically and professionally before they become critical.

Our approach combines automated workflows with structured escalation paths. Payment reminders are sent through the right channel at the right time — email, SMS, or letter — based on the debtor profile and payment history. When accounts require formal collection action, we coordinate with our established collection partners who handle the legal and enforcement stages on our clients' behalf.

We operate within strict regulatory frameworks in every jurisdiction, ensuring full compliance with consumer protection laws and data protection regulations. Our receivables management integrates directly with our payment aggregation services, creating a seamless flow from billing to recovery.

Key Capabilities

  • • Automated dunning workflows
  • • Multi-channel payment reminders (email, SMS, letter)
  • • Escalation to established collection partners
  • • Debtor segmentation and risk assessment
  • • Cross-border receivables management
  • • Integration with payment aggregation services

Telecommunications

NML is a licensed telecommunications operator with proprietary VoIP infrastructure across Europe and Asia. Our telecom licenses and direct carrier relationships form the regulatory and technical foundation that enables our carrier billing services — without them, phone-bill payments would not be possible.

We hold telecommunications licences in multiple European jurisdictions and in Singapore, giving us the regulatory standing to establish direct billing agreements with mobile and fixed-line operators. This infrastructure allows us to offer carrier billing as a payment method to our merchant partners, connecting their customers to a payment channel that requires no credit card or bank account.

Our telecom infrastructure is built on redundant, geographically distributed architecture that ensures high availability. We also operate call center solutions on this infrastructure, supporting inbound and outbound operations for enterprises that require reliable, carrier-grade voice communications.

Key Capabilities

  • • Licensed telecom operator in 5+ jurisdictions
  • • Direct carrier relationships for billing
  • • Proprietary VoIP infrastructure (EU & APAC)
  • • SIP trunking and wholesale voice services
  • • Call center operations
  • • Regulatory compliance across all markets

Software Licensing

NML develops and licenses software platforms that enable businesses to offer and sell their products online. Our solutions provide the commerce infrastructure that merchants need — from product presentation and checkout flows to integrated payment processing through our aggregation services.

Our software is designed to work seamlessly with our payment aggregation infrastructure, giving licensees immediate access to carrier billing, credit card processing, and SEPA direct debit — without the need to establish their own payment relationships or build integrations from scratch.

We offer flexible licensing models that scale with our clients' businesses. Whether a company is launching its first digital product or operating an established platform, our software adapts to their needs while maintaining the security standards and regulatory compliance required for payment-related operations.

Key Capabilities

  • • Online commerce platform licensing
  • • Integrated payment aggregation
  • • Product and storefront management
  • • Flexible licensing models
  • • Security-first development methodology
  • • API integration and customization