This article answers some of the most frequently asked questions (FAQs) about the general terms of use of the Numarqe Payables Platform and the use of Numarqe.

It’s an end‑to‑end accounts payable and procurement control plane that streamlines invoice capture, approvals, batch payment runs, multi‑FX supplier payments, and virtual/physical cards—so you can manage global payables using your own funds, and optionally add a short‑term credit buffer if required.

Paynetics AD issues the Cards via Paystratus Group Ltd, a Technical Provider of Paynetics AD with a company address at 76A James Bourchier Blvd, 1407 Sofia, Bulgaria, company registration number 131574695 and VAT BG131574695, pursuant to an e-money license issued by the Bulgarian National Bank No. 44/11.04.2016.

The underlying credit, when used, is provided by Numarqe Capital Limited. Source: Numarqe.

Yes. You can fund payables from your own accounts in supported currencies, run approvals and batch payment runs, and pay suppliers globally. So that you know – optional credit is available only if and when you choose to use it.

Upload invoices via the UI or API (PDF and image formats supported). Multi‑model AI OCR extracts headers, line items, tax, currency, and dates to reduce errors and accelerate approvals—ideal for high‑volume payables.

Configure simple to granular workflows (e.g., dual sign‑off, policy/budget checks, coding rules). Audit‑ready logs track each action across entities, projects, and suppliers.

Approve and queue large volumes of supplier‑approved invoices, then execute payment runs in one go—across multiple currencies—with full audit trails and reconciliation.

Centralise procurement with unified purchase orders, approvals, supplier bidding, delivery confirmations, and service milestones—supporting transparency, budget control, and on‑time completion across projects or entities.

Yes. Multi‑FX Payments enable payments in up to 36 currencies. You can fund in one currency and settle the supplier in another, reducing operational complexity and supporting global vendor relationships.

Charges and payments in a foreign currency are converted using the Numarqe Exchange Rate. A non‑Card Currency fee may apply for card transactions

Create virtual cards in about 30 seconds for one‑off payments, urgent buys, and travel, and issue physical cards where needed. Cards can be issued in multiple currencies and controlled in real time.

Business spend at merchants that accept the network, including online, POS, phone/mail orders, recurring charges, and other merchant devices..

Only authorised employees and card members, for legitimate company business purposes.

Yes. Cards support contactless and can be added to digital wallets such as Apple Pay and Google Pay, where available.

Set limits per card, projects, currencies; enforce policies with approvals; get instant visibility of spend—no expense forms required.

Prohibited uses include personal/non‑business spend, cash advances, allowing others to use your card, cash refunds, and transactions involving illegal items, pyramid schemes, firearms, counterfeit goods, money laundering, terrorism financing, or pornography‑related services.

Yes, the Account Owner can request additional Cards for Eligible Employees via the Online Account Service.

No. Credit is optional. Most customers run payables with their own funds and use credit tactically as a short‑term buffer.

It can function like an overdraft of roughly up to 30 days by timing invoice uploads and payments—useful if receivables arrive late or for project‑based timing gaps.

imits are based on company circumstances (management accounts, balances, transaction history, credit information). You manage card and account limits across all users.

Memorise your CVV Code, and do not share them with anyone. Keep the Card secure and monitor for any unauthorised use. If your card is a virtual card, you can see your card details inside the Numarqe platform.

Dual sign‑off, configurable approvals, audit‑ready logs, and segregation across multiple entities and projects to meet owner and auditor expectations.

Yes. Both parties must keep Confidential Information confidential, except where disclosure is necessary to perform the Agreement or required by law.

The Account Owner can request additional cards for eligible employees and set up entities, projects, and team controls via the Numarqe platform.

Statements are available online. Check each statement for accuracy. Batch runs and audit logs simplify reconciliation across entities and currencies. Additionally, to reduce reconciliation further you can export your data to your ERP either by exporting the data or by Numarqe feeding your accounting system.

Yes. We may change the fee schedule with at least one month’s notice.

Some transactions may require approval before a merchant accepts them, and we may decline transactions for risk or policy reasons.

The Account Company is fully liable for all Charges, subject to the terms of the "Statements and Queries" and "Lost/Stolen Cards, Incorrectly Executed Transactions and Misuse of Your Account" sections of the T&C's.

All Charges are due and payable by the Due Date specified on your monthly Statement.

The Card remains the property of Numarqe at all times and must be returned or destroyed if requested.

We may suspend, freeze, or deactivate cards or accounts for security, suspected unauthorised use, risk of non‑payment, or other specified reasons. As an account holder, you can also freeze and fully manage your employee cards.

If a Card is reported lost, stolen, or damaged, a replacement card will be sent, provided you are not in default under this Agreement.

It is your responsibility to update Merchants with the Replacement Card information so that they don't have service disruptions.

No, we may require certain Charges to be approved by us before a Merchant accepts them.

Yes, both parties undertake to keep all Confidential Information disclosed or supplied confidential, except as necessary for the performance of the Agreement.

Communications will be made electronically via email, SMS, or the Online Platform Service. It is your responsibility to keep your contact information up to date.

Contact our Customer Service Department.

You can simply notify us that your card is lost or stolen through the application, which will immediately deactivate your card, or you can contact your administrator and call or email our Customer Service team. Your liability for unauthorised charges is limited to £50 unless you have not complied with the Agreement or have acted fraudulently.

Yes, under specific circumstances, such as if the amount charged was greater than expected. Requests must be made within eight weeks of the Charge.

We may freeze or suspend your Card or Account for security reasons, suspected unauthorised use, increased risk of non-payment, or other specified reasons.

We may close your Account or terminate the Agreement, and you will remain liable for all amounts due, including costs incurred in recovering overdue payments.

To close your Numarqe account, you must provide written notice indicating your intention to terminate the agreement. Additionally, you must return all cards issued to you by Numarqe. You will remain liable for all charges, interest, foreign exchange charges, commissions, and other amounts due up to the termination date.

Numarqe will only close your account once all amounts due under the agreement and any supplementary agreements have been fully paid. If you have any further questions or need assistance with the process, contact Numarqe customer service for guidance. You may terminate your Agreement by giving written notice.