Payment orchestration for WooCommerce

One plugin.
Every rail.

Nummaria consolidates every payment method you run into one WooCommerce plugin, then routes each checkout across the rails you already own. No single point of failure.

We never hold your money. We route it to accounts you already own.

CheckoutWeighted rails
1 order 45%Pay by bank 15%Invoicing 20%Bank transfer 15%Cards 5%Crypto

The problem
01

Five plugins to manage

A different plugin for cards, one for bank transfer, another for invoicing — each with its own dashboard, its own reconciliation, its own reporting.

02

One acquirer away from closure

Your whole storefront depends on a single account. The day it freezes, checkout stops and so does trading.

03

Fees priced for your category

High-risk verticals pay 10–15% to specialist PSPs. The rate reflects your category, not your business.

The rails

Every way you take money, in one plugin

Connect the accounts you already hold. Nummaria orchestrates between them — you keep every account, terminal, and settlement.

<1%

Open banking pay-by-bank

Account-to-account payments in GBP and EUR. Money lands straight in the merchant's own bank, at a fraction of card cost.

Hosted links

B2B invoicing

Raise an invoice with a hosted pay link. The buyer settles by their preferred rail; you reconcile it in the same surface.

Weighted rotation

Manual bank transfer

Spread volume across multiple bank accounts with weighted rotation — no single account carries the whole book.

Optional module

Cards on your Stripe

Keep taking cards on the merchant's own Stripe account. Nummaria routes to it — it never becomes a middleman.

Supported

Crypto

Accept crypto through the merchant's own wallet or provider, reported alongside every other rail.

One reporting surface

Payment-mix analytics across every rail — volumes, costs, and settlement in a single dashboard, not five.

Weighted routing

You set the weights. The plugin steers each checkout.

Set a weight per rail; Nummaria decides which methods each checkout shows, session-sticky. Steer volume toward the rails that cost you under 1%.

Routing mix£50,000 / month volume
Open banking70%
Bank transfer10%
Cards (Stripe)15%
Crypto5%
Open banking · 0.8% Bank transfer · 0.2% Cards · 2.9% Crypto · 1.0%
Monthly fees
£532
Blended 1.06% across your rails
Saved vs 12%
£5,468
A 12% PSP charges £6,000/mo

Weights you control

Move a slider and every checkout reflects it. Weights are session-sticky, so a returning customer sees a consistent set of methods.

Routed to accounts you own

Every route settles into the merchant's own bank, Stripe, or wallet. Nummaria decides the path, never the destination.

Method-steering discount

"Pay by bank, save 4%." Reward customers for choosing the rails that cost you least. Discounts are lawful; card surcharges are not — so Nummaria only ever does discounts.

Resilience

Your Stripe account dies. You keep trading.

Any Tuesday

Volume is distributed

Checkout runs across five rails. Cards are one slice of the mix, not the whole business.

10:42am

Stripe freezes the account

A review, a spike, a category flag. The card rail goes dark without warning.

10:42am + 0s

Weight drops to zero

Nummaria reweights automatically. Checkout stops offering cards and keeps offering everything else.

10:43am

You are still trading

Orders keep landing in the accounts you own. Stop renting your survival from one acquirer.

Optional add-on — not the core

The Compliance Pack

A weekly storefront compliance scan for high-risk merchants — the evidence a processor review wants to see.

  • Weekly scan with a scoreYour storefront is scanned every week and scored, with flagged lines and a trend you can hand over.
  • Researcher-verification gateA human researcher verifies findings before they enter the record. No unchecked automated claims.
  • Signed attestation ledgerEvery scan is written to a tamper-evident, signed ledger — durable evidence at review time.
Compliance scoreThis week
82 of 100
Good standing
2 lines to review
+6 over 4 weeks
Flagged lines
  • Refund policy missing on 2 product pages
  • Descriptor mismatch on one gateway
  • Terms, privacy, contact — all present
  • Prohibited-item scan clear
Weekly trend12 weeks
Attestation ledgersigned
  • a3f9…e21Wk 12 scansealed
  • 7c1b…9d4Wk 11 scansealed
  • e02a…4f7Wk 10 scansealed
Live in three moves

Install, connect, set weights

Install the plugin

Add Nummaria to WooCommerce like any other plugin. No migration, no replatform.

Connect accounts you own

Add credentials for your banks, Stripe, and wallets. Credentials, never funds — the money never touches us.

Set your weights

Tune the routing mix and turn on steering discounts. Change them any time — it takes effect on the next checkout.

Pricing

Flat monthly. A small fee on pay-by-bank. Nothing on the rest.

Indicative pricing for the concept — final numbers land at launch. No percentage of card volume, no all-in markup.

Starter
For a single storefront consolidating its methods.
£X/mo
+ £0.XX per pay-by-bank transaction
  • All rails, one plugin
  • Weighted routing + steering discounts
  • One reporting surface
Get early access
Most merchants
Growth
For merchants running real volume across several rails.
£X/mo
+ £0.XX per pay-by-bank transaction
  • Everything in Starter
  • Multi-account weighted rotation
  • Priority failover reweighting
Get early access
Compliance Pack
Add-on for high-risk verticals under processor review.
£X/mo
Added to any plan
  • Weekly scored scan
  • Researcher verification
  • Signed attestation ledger
Talk to us

Compare: 6.5% + 30¢ all-in platforms and 10–15% high-risk PSPs. You own the accounts. You keep the rate.

FAQ

Questions worth asking

Is Nummaria a payment processor?

No. Nummaria never touches funds. Every account, terminal, and settlement belongs to you — we orchestrate between rails you already own. We are software, not a bank or a processor.

What happens if a provider closes my account?

That rail's weight drops to zero and Nummaria keeps offering the rest. Because your volume was already distributed across accounts you own, checkout stays open and you keep trading.

Are steering discounts allowed?

Discounts are lawful; card surcharges are not. Nummaria only ever rewards customers for choosing cheaper rails — "pay by bank, save 4%" — and never adds a surcharge for choosing cards.

Which rails and countries?

Open banking pay-by-bank in GBP and EUR, B2B invoicing with hosted pay links, manual bank transfer with weighted rotation, cards on your own Stripe, and crypto. More rails and regions follow at launch.

What is the Compliance Pack?

An optional add-on for high-risk merchants: a weekly storefront scan with a score and flagged lines, a researcher-verification gate, and a tamper-evident signed attestation ledger — the evidence you show a processor at review.

When can I get it?

Nummaria is in early access now. Join the list and we'll bring you on as we open the plugin to more WooCommerce merchants.

Stop renting your survival from one acquirer

One plugin. Every rail. Payments without a single point of failure — routed to the accounts you already own.