Our Services

NML aggregates payment channels for third-party businesses — enabling them to accept payments through multiple methods via a single integration. We operate carrier billing and direct debit directly under our own telecommunications licenses, and route card payments to established payment partners, 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 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.

Card Payments are made available to merchants through our integrations with established payment partners. Card data is processed within our partners' certified environments and is never stored on NML systems — minimizing the merchant's compliance scope while preserving a single point of integration.

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

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 payment 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.