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Numarqe FAQs

AP automation, multi-currency spend management and corporate card FAQs.

Straight answers about Numarqe’s AP automation, procure-to-pay workflows, corporate cards, multi-currency supplier payments, accounting integrations and optional working capital for mid-market finance teams.

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General platform and fit

What is Numarqe?

Numarqe is an integrated payables and liquidity platform for mid-market finance teams. It connects procurement, purchase orders, approvals, supplier invoices, batch payments, corporate cards, multi-currency execution, accounting reconciliation and spend analytics in one operating ledger. Finance teams can follow a cost from the original commitment through approval and settlement instead of reconstructing it across separate systems. Optional working capital is available subject to eligibility and agreed terms; borrowing is not a prerequisite for using the platform.

Who is Numarqe designed for?

Numarqe is built for mid-market organisations with complex payables: multiple entities, international suppliers, distributed teams, project-based costs or high transaction volumes. Its core company positioning focuses on businesses with approximately £20 million to £500 million and above in annual revenue, but operational fit matters more than turnover alone. Energy, maritime, construction, logistics, mining, travel and aviation, international NGOs and professional services are priority use cases. The best starting point is a workflow that currently crosses several systems and requires manual reconciliation.

How is Numarqe different from a corporate card or AP tool?

Numarqe combines both sides of spend rather than treating cards and invoices as separate workflows. Procurement teams can raise POs against budgets, finance can match invoices and delivery records, authorised users can execute multi-currency payment runs, and card transactions can be controlled and categorised in the same environment. That means reporting starts with the commitment, not just the bank transaction after money has moved. The result is a connected operating record from procurement intent, through to approval and payment execution, to final accounting reconciliation.

Does Numarqe replace our existing bank or ERP?

Numarqe is designed to sit above your existing financial stack as a payables execution and control layer, not force a wholesale replacement of every banking relationship. It integrates bi-directionally with Xero, Microsoft Dynamics, Sage and NetSuite, with other connections assessed through API scoping. Your accounting platform remains the accounting system of record; Numarqe connects operational approvals, payment activity, coding and supporting documentation to it. The exact ownership of master data and posting rules is agreed during implementation.

Procurement, invoices and controls

How do purchase orders and budgets work?

Finance and operations can set budgets by project, department, cost centre or entity and raise supplier-specific purchase orders against them. A PO can include payment terms, currency, project cost codes, line items, contractual references and delivery milestones. Committed spend becomes visible when the PO is raised, rather than waiting for the supplier invoice. Approval thresholds and variance alerts help teams review commitments before they become unauthorised or over-budget expenditure.

How does AI invoice extraction work?

Invoices can be uploaded individually or in bulk as PDFs or images, or collected from an inbox, or pulled direct from your ERP. Numarqe’s AI extracts information such as supplier details, invoice number, amount, currency and payment details so the team does not have to re-key every field. Extraction accelerates processing; it does not remove the need for exception review. Your configured approval rules determine whether an invoice can proceed to payment.

What is two-way and three-way matching?

Two-way matching compares an invoice with its originating purchase order. Three-way matching also includes the delivery or goods-receipt record. Numarqe compares quantities, values, currencies and line details, then flags discrepancies before authorisation. This supports earlier detection of duplicate invoices, incorrect charges and payments for goods or services not yet verified as received. Complex contract judgements still sit with the relevant budget owner or approver.

Can approval workflows reflect our delegation of authority?

Yes. Numarqe supports multi-level approval hierarchies with thresholds based on factors such as amount, supplier, cost centre, project and category. Teams can configure delegated authority, escalation and separation between procurement, invoice approval and payment release. Every decision is timestamped in the digital audit trail. The platform enforces the workflow configured for your organisation; your finance leadership remains responsible for designing an appropriate delegation-of-authority policy.

How do batch supplier payments work?

Approved invoices can be grouped into a single payment run rather than executed one by one across separate banking portals. Numarqe supports multi-currency batches and shows payment and reconciliation status in the same workflow. Funding can be in your base currency while suppliers are settled in their preferred supported currency. Approval of the batch and its underlying invoices remains controlled through your configured authorisation process.

Multi-currency operations and corporate cards

Can we pay international suppliers in their local currency?

Numarqe supports supplier payments across 36+ currencies. You can fund from a supported base currency and settle the supplier in their preferred supported currency, with the exchange rate shown before confirmation. Multi-currency wallets also allow businesses to hold and manage balances across supported currencies. Coverage, payment routes and settlement timing depend on the currency, destination and applicable terms, we will review your vendor footprint during onboarding to ensure optimal routing and speed of settlement.

Will Numarqe eliminate FX costs or currency risk?

Numarqe gives you direct control over your global currency exposure. Through multi-currency accounts, your company can hold local balances, execute real-time spot FX conversions, and eliminate unnecessary currency rebalancing when paying international suppliers. All conversion costs are shown upfront before you execute any conversion or transfer, with zero hidden markups. While Numarqe equips you with operational execution tools to minimise transaction costs, it is not a hedging platform. Strategy decisions, forward contracts, and hedge accounting remain the responsibility of your internal treasury team or specialist advisory partners.

What corporate cards does Numarqe offer?

Numarqe offers virtual and physical Mastercard commercial cards, with virtual-card issuance typically taking about 30 seconds. Cards can be assigned to people, teams, projects, suppliers or specific purchases and used through Apple Pay and Google Pay where supported. Numarqe's card acceptance coverage spans across 210 countries and territories. Availability, denomination and usage remain subject to the card programme and applicable terms.

What controls can administrators place on cards?

Administrators can set limits by amount, currency, date range and merchant type, and can freeze, unfreeze or cancel cards from the platform. Dedicated cards can be created for a supplier, subscription, project or one-off purchase so spend is easier to contain and categorise. Transactions appear in real time and receipts can be attached through the mobile phone workflow. Controls reduce exposure; they do not replace supplier verification, receipt review or a clear expense policy.

Who issues the cards and provides optional credit?

Numarqe cards are issued by Paynetics UK in the UK under its FCA e-money licence, and by Paynetics AD across the EU under its Bulgarian National Bank e-money licence, via its registered agent, Paystratus Group Ltd, and transactions route over Mastercard. Optional credit is provided by Numarqe Capital Limited when a customer chooses and is approved for that facility. Card issuance and credit are separate considerations: using Numarqe for payables does not require drawing credit. Current legal terms and eligibility should always be checked before relying on a specific facility.

Funding, reporting and integrations

Do we have to borrow or draw credit to use Numarqe?

No. Numarqe supports pre-funded payables as well as optional credit. A business can use the platform for procurement, approvals, supplier payments, cards and reporting using its own operational funds. Where a customer needs to bridge a timing gap, a separate working-capital facility may be available subject to underwriting, eligibility and agreed terms. Any 30–90 day repayment period is facility-specific, not an unconditional promise to every customer.

Can we split a payment between our own cash and credit?

Funding flexibility can be configured around the approved operating model, but a percentage split on every invoice or payment run should not be assumed without confirmation. Numarqe supports pre-funded operations and an optional credit buffer, and the available allocation method depends on the facility and account configuration. During scoping, Numarqe will demonstrate the exact funding options for your entities, currencies and payment types before you design treasury policy around it.

How should we treat Numarqe balances and credit on our balance sheet?

Pre-funded operational balances and any drawn credit require assessment under your own accounting framework, contractual terms and entity structure. Numarqe can supply transaction records, approval history and settlement evidence, but your accountant or auditor determines recognition, classification and disclosure. In particular, any credit facility should not be described as universally “off balance sheet” or "accounts payable".

Which accounting platforms does Numarqe integrate with?

Numarqe provides bi-directional integrations with Xero, Microsoft Dynamics, Sage and NetSuite. The integration can bring accounting structures such as the chart of accounts, departments, projects and cost centres into the operating workflow, then return coded transactions and supporting reconciliation data. The precise objects, direction, frequency and posting permissions vary by implementation. Specialist operational systems outside these named platforms require separate API and data-mapping assessment.

What reporting does Numarqe provide?

Numarqe brings card transactions, supplier invoices, committed POs and payment liabilities into dashboards organised by entity, project, budget, currency and supplier. It supports budget variance tracking, procurement forecasting, anomaly alerts and finance-ready reporting. These views help identify duplicate invoices, unusual supplier activity and emerging overruns. They improve operational visibility; statutory reporting, tax decisions and final financial statements still belong in your accounting and governance processes.

How does Numarqe help with month-end close?

Numarqe reduces the reconstruction work caused by exporting card statements, matching invoices and reconciling payment data across separate systems. Transactions can arrive in the accounting platform with coding, project references, exchange-rate information and supporting documentation already attached. Finance can then focus on exceptions and review rather than rebuilding every entry. Numarqe’s customer base has validated reductions in close time of up to 70%; this is a reported outcome, not a guaranteed result for every implementation.

Security, onboarding and support

How is customer data protected?

We protect your data and transactions through enterprise-grade security controls, including AES-256 encryption at rest, TLS 1.3 in transit, role-based access control (RBAC), mandatory multi-factor authentication (MFA), and single sign-on (SSO) support. All platform activity is tracked via continuous transaction monitoring and immutable audit logging. Our systems operate on SOC 2 Type II-compliant infrastructure backed by a 99.9% uptime SLA. We invite your procurement and security teams to review our complete security architecture, compliance reports, and current contractual documentation during your technical due diligence.

How long does implementation take?

Timing depends on entity structure, approval design, currencies, card rollout, data quality and integration scope. Basic platform configuration can be quick (within minutes), while ERP mapping, historical data and custom workflows require a structured implementation. Numarqe’s meeting process starts by mapping your existing tools and a sector-relevant payment scenario, after which a realistic rollout plan can be agreed.

What support is available?

Numarqe supports customers with platform setup, workflow configuration and sector-specific operational questions. The exact account-management model, support hours, service levels and integration responsibilities are captured in your agreement. The agreed implementation plan names an owner on each side for supplier data, approval rules, card policy, ERP mapping, testing and go-live acceptance.

Is Numarqe a bank, and how are customer funds protected?

Numarqe is a financial technology and payables platform rather than a fractional-reserve bank. We partner with regulated Electronic Money Institutions (EMIs) to provide payment, card, and account services. Because your account is an electronic money account rather than a traditional bank deposit, funds are not covered by the UK Financial Services Compensation Scheme (FSCS) or European statutory deposit guarantee schemes (DGS). Instead, our regulated EMI partners protect your money through strict regulatory safeguarding. Under these rules, customer funds are held in segregated accounts with tier-one banks, completely isolated from company operational capital. Customers should review the specific programme terms for the relevant regulated partner, account, and product they use.

Sources and further reading

Oil & Gas

How do we allocate purchase orders and invoice approvals across JOAs where partners share costs on one well or asset?

Numarqe can control procurement and invoice spend against project budgets while preserving the approval record behind each commitment. Teams can create supplier POs, assign them to the relevant well or asset, route invoices through multi-tier approvals and review committed and actual spend through project and entity analytics. A JOA partner-allocation engine is not implied: operating percentages, cash-call logic and any split between operating partners need configuration or integration scoping. Map your own well and asset cost structures to project codes during setup and confirm the exact allocation workflow before rollout. Explore Energy workflows

How are multi-currency EPC contracts handled when equipment, fabrication and the client contract use different currencies?

Numarqe supports supplier payments in 36+ currencies, so finance can process EUR equipment invoices, SGD fabrication billings and other supplier obligations within one batch-payables workflow. Multi-currency wallets, PO references and payment records help keep each EPC commitment traceable by project and entity. The platform records payables execution; it does not replace treasury policy or automatically hedge a USD client contract. Currency conversion treatment, exchange-rate policy and any recharging arrangement should be defined during implementation. Explore Energy workflows

How can we prevent dual billing for standby and active day-rates on one mobilisation invoice?

Numarqe's invoice-matching workflow compares incoming invoice data with the originating PO and, where used, the goods or service receipt. Line-item differences can be flagged for review before an authorised batch payment run, while multi-tier approvals keep exceptional charges visible to the right budget owner. That creates a controlled exception process; it does not independently know which drilling hours were operationally valid. Daily work reports, standby definitions and contract rate rules still need to be supplied by your operations team. Explore Energy workflows

Can offshore teams use controlled cards for urgent procurement without bypassing approval limits?

Yes. Numarqe provides virtual and physical corporate cards with real-time spend controls for field and remote teams. Administrators can issue cards for a project, supplier or specific purchase and set limits by amount, currency, date range and merchant type. Card transactions feed into the same spend-visibility and reporting environment as other payables activity, helping finance see urgent purchases promptly. A card control is not a substitute for a procurement policy: emergency limits, receipt requirements and subsequent approval responsibilities should be explicit in the operating procedure. Explore Energy workflows

Energy & Renewables

How do we track capital-expenditure milestones against third-party engineering inspection certificates?

Numarqe lets project teams structure supplier POs, budgets and payment approvals around project and entity codes, then track invoices against those commitments. Supporting documents can form part of the finance evidence trail, giving reviewers a clear record before a milestone payment enters a batch run. Numarqe does not independently validate an engineering certificate or connect natively to inspection platforms. The responsible engineer must confirm completion; any document flow from a specialist system requires integration scoping. Explore Energy workflows

How are grid-connection deposits and DNO milestone invoices tracked against development assets?

Finance can assign POs, supplier invoices and payments to the relevant development project and legal entity, creating a consistent view of committed and actual expenditure. Approval matrices can route high-value deposits or milestone invoices to the appropriate project and finance owners before settlement. This gives the finance team a payables record, not an asset-management or grid-programme system. DNO milestones, security arrangements and the capitalisation treatment of deposits remain matters for project documentation and your accountants. Explore Energy workflows

Can corporate cards be restricted for technicians conducting remote maintenance campaigns?

Yes. Numarqe offers virtual and physical corporate cards with real-time controls, including limits by amount, currency, validity period and merchant type. A business can issue a dedicated card for a technician, supplier or maintenance campaign and monitor transactions centrally rather than relying on delayed expense claims. Project and cost-centre references can then support analysis alongside other payables. Merchant availability and connectivity are operational realities, so emergency procedures and receipt capture still need to be defined. Explore Energy workflows

How do we reconcile continuous telemetry or uptime SLAs against software invoices?

Numarqe can match a supplier invoice to its PO and route exceptions through an approval workflow, helping finance verify that the contracted charge and payment evidence agree before settlement. It does not ingest telemetry or independently calculate uptime, generation shortfalls or SLA credits. Your asset-monitoring platform remains the source of operational performance; the relevant report or calculation should be attached to the review process. Automated data transfer from that platform would require separate integration scoping. Explore Energy workflows

Mining & Natural Resources

How do we manage exploration drilling invoices with per-metre rates and recovery penalties?

Numarqe can capture drilling invoices within a controlled procure-to-pay workflow, match them against the relevant PO and route discrepancies through multi-tier approvals. Project budgets and analytics help finance compare committed and actual spend across exploration programmes. The platform does not independently verify metres drilled, core recovery or geological performance. Those quantities and penalty calculations need evidence from operations; the approved figures can then be checked against invoice lines before payment. Explore Mining & Resources workflows

How are cross-border contractor payments handled across concession, camp and haulage currencies?

Numarqe supports batch supplier payments in 36+ currencies and provides multi-currency wallets for managing operational funds. Finance can keep USD concession-related payments, ZAR camp costs and other local-currency supplier obligations within one payables process, with approvals and transaction reporting by project or entity. It does not remove exchange-rate risk or statutory withholding obligations. Treasury, tax and local-payment requirements should be confirmed for each jurisdiction during implementation. Explore Mining & Resources workflows

What controls prevent unauthorised mine-expansion spend without delaying urgent spare parts?

Numarqe combines budget-linked POs, configurable approval matrices and controlled corporate cards. Routine expansion commitments can follow strict project and entity approvals, while an authorised buyer can receive a card limited to a supplier, amount, currency or merchant category for an urgent purchase. Real-time visibility helps finance distinguish controlled emergency spend from unrelated expenditure. The delegation rules and emergency evidence requirements remain your internal-control decisions, not something the platform should invent. Explore Mining & Resources workflows

How can remote field teams track site expenditure without relying on paper reconciliation?

Virtual and physical Numarqe cards give site teams a controlled payment method with real-time transaction visibility for central finance. Spend can be reviewed by project, cost centre or entity alongside supplier invoices and batch payments, reducing dependence on delayed manual reconciliations. This is not an offline field-data or geological system. Connectivity, receipt collection and any transfer from specialised site software should be addressed in the operating and integration design. Explore Mining & Resources workflows

Yachting & Marine

How do we isolate refit budgets per vessel across multiple single-purpose ownership entities?

Numarqe supports project and entity-level budgets, POs, approvals and spend analytics. A yacht management group can use those dimensions to separate refit commitments and actual supplier costs by vessel and owning SPV, while retaining consolidated finance oversight. That provides a payables and control framework rather than a yacht-registry or ownership-accounting system. The vessel/entity mapping, intercompany treatment and owner reporting format should be confirmed during configuration. Explore Yachting & Marine workflows

How does the platform manage APA expenditure versus corporate operational spend on charter yachts?

Numarqe can use project and entity references, controlled cards and supplier-payment records to separate charter-related expenditure from the management company's operating costs. Transaction-level visibility and approval evidence help finance review what was spent, by whom and against which operational budget. APA rules, charter agreements and owner statements remain the contractual sources of truth; Numarqe does not independently determine what is recoverable from an APA. Configure the coding and reporting approach around your existing yacht-accounting process. Explore Yachting & Marine workflows

How are shipyard milestone invoices matched against independent surveyor sign-offs?

Numarqe can link supplier invoices to POs and route them through configurable approvals before a batch payment is released. Surveyor confirmation and other supporting documents can be included in the finance review evidence, with project references keeping the payment tied to the relevant vessel and refit. The platform does not verify marine engineering work or integrate natively with surveyor systems. The appointed surveyor remains responsible for sign-off, and any automated document exchange needs integration scoping. Explore Yachting & Marine workflows

Can captains receive emergency spending capability without exceeding discretionary limits?

Yes. Numarqe's virtual and physical cards support real-time limits by amount, currency, merchant type and validity period. A captain can therefore receive a dedicated card for a vessel, port call or emergency category while finance retains central visibility and control over subsequent reconciliation. This supports an agreed delegation-of-authority policy; it does not decide whether a purchase was operationally necessary. Emergency escalation, supporting receipts and post-purchase approval should be documented in the vessel's procedures. Explore Yachting & Marine workflows

Construction & Civil Engineering

How does Numarqe support subcontractor retentions and release approvals?

Numarqe supports the financial approval and payment workflow around retentions, rather than replacing construction contract administration. Finance can use project budgets, PO references and milestones to separate the approved payable stage from a later release, then route the release through the appropriate approvers. The contract, valuation and completion evidence remain authoritative. Retention percentages, defects-liability conditions and the legal timing of notices must be configured from the underlying contract; Numarqe does not determine Construction Act compliance. Explore Construction workflows

How do we control variation orders and unexpected subcontractor charges?

Create or amend the relevant PO with an explicit project, phase and approval reference, then match the subcontractor invoice against that commitment. Numarqe's multi-tier approvals and budget reporting can expose charges that differ from the authorised scope before they enter a batch payment. The platform does not independently value a bill of quantities or decide whether a variation is contractually valid. The quantity surveyor and commercial owner remain responsible for measured works and entitlement. Explore Construction workflows

How are plant-hire and subcontractor invoices checked before payment?

Numarqe's AI extraction and matching workflows help finance compare supplier invoice details with the PO and delivery evidence, while exceptions can be routed to the responsible project owner. This is useful for separating delivery charges, hire periods and other invoice lines that need explanation. Numarqe does not read weighbridge data, plant telematics or site systems natively. Off-hire dates, measured quantities and damage charges need supporting operational evidence, with any automated feed scoped separately. Explore Construction workflows

Can site agents use cards for emergency timber, hardware or PPE?

Yes. Numarqe provides virtual and physical cards with real-time controls, so a site agent can receive a card limited by amount, currency, merchant type or validity period. Finance can monitor spend centrally and associate it with the appropriate project or cost centre, reducing reliance on personal cards and retrospective expense claims. Card controls do not prove that an item was required or received. Site receipt procedures and any subsequent project approval should remain part of the purchasing policy. Explore Construction workflows

Aviation & Aerospace

How can line-maintenance teams obtain urgent AOG parts without uncontrolled card spend?

Numarqe can issue controlled virtual or physical cards for a specific engineer, supplier or urgent procurement event. Real-time limits by amount, currency, merchant category and validity period help contain AOG purchases while giving finance immediate visibility. A dedicated card is easier to reconcile than a personal-card claim and can sit alongside the project's approval and payment records. The platform does not establish airworthiness or supplier certification; those operational checks remain with the authorised engineering organisation. Explore Travel & Aviation workflows

How do we manage MRO workscopes and supplier invoices across projects?

Numarqe can structure MRO procurement through supplier POs, project references, approval matrices and invoice matching. Finance can track committed and actual costs and route exceptions before a supplier payment is executed. This supports financial control over workscopes; it is not a maintenance-management system. Task completion, time-and-material calculations and engineering release documents need confirmation in the specialist system, with integration or document exchange scoped where required. Explore Travel & Aviation workflows

How are international fuel and ground-handling payments controlled?

Numarqe supports multi-currency batch supplier payments in 36+ currencies and can match invoices against approved POs before settlement. Finance can review fuel, handling and other aviation suppliers within a consistent approval and reporting process rather than separate banking workflows. Numarqe does not independently verify uplift volumes, airport turnaround records or into-plane fees. Operational evidence should accompany exceptions, and any flight-data or fuel-system integration needs separate assessment. Explore Travel & Aviation workflows

How do we reconcile expenses across crew bases and operating currencies?

Controlled Numarqe cards and multi-currency payment capabilities give finance a central view of approved crew and operational expenditure. Cards can be limited by person, supplier, amount, currency or merchant type, while project and entity reporting supports review across bases. Numarqe does not calculate per-diems, roster entitlements or crew payroll. Those rules remain in your travel, HR or operations systems; Numarqe handles the controlled spend and payables evidence around them. Explore Travel & Aviation workflows

Travel, Hospitality & Tour Operators

How do we track hotel allocations and supplier deposits against bookings?

Numarqe can record supplier POs, deposits and invoices against project or entity references, then show committed and actual spend through finance reporting. Approval workflows help ensure that room-block commitments and advances receive the right review before payment. The platform does not ingest reservation systems or calculate booking take-up. Your booking platform remains the source of allocations and cancellations; the commercial team should provide that evidence when reviewing supplier settlement. Explore Travel & Aviation workflows

Can tour leaders and destination reps receive controlled cards?

Yes. Numarqe offers virtual and physical cards with real-time spend controls, including limits by amount, currency, date range and merchant type. A tour leader can receive a card for a particular itinerary or operating period while finance monitors transactions centrally and captures the relevant project or cost-centre reference. Itinerary-based automatic reloading is not a standard claim to make without configuration evidence. Spending rules, receipts and emergency escalation should be defined in your travel policy. Explore Travel & Aviation workflows

How do we reduce unnecessary currency conversions on advance travel sales?

Numarqe's multi-currency wallets and supplier payments across 36+ currencies allow finance to hold and use supported currency balances for future supplier obligations. That can reduce avoidable conversions when receipts and payables naturally match, while transparent rates support informed execution. It does not eliminate currency risk or create a hedge. Treasury should set the currency-matching and conversion policy; hedge accounting and forward-contract management remain specialist activities. Explore Travel & Aviation workflows

Can supplier payment approvals be linked to customer departure dates?

Numarqe can organise supplier obligations through PO details, approval workflows and scheduled payment-review processes. A departure-related milestone can be used as an internal reference where it is represented in the configured workflow, but Numarqe does not automatically ingest booking or departure data from a reservation platform. Any release driven by live booking status requires integration scoping. Finance should retain control over cancellation, refund and exception review. Explore Travel & Aviation workflows

Logistics & Freight

How do we process high volumes of haulier invoices without losing rate control?

Numarqe supports AI invoice extraction, PO matching and multi-currency batch payment runs, giving finance a controlled way to process large haulier volumes. Exceptions can be routed through multi-tier approvals before settlement, and project or cost-centre references support subsequent analysis. The platform does not automatically know every lane rate or fuel-surcharge formula. Contracted rates and transport evidence need to be supplied through your workflow, with any transport-management integration scoped separately. Explore Logistics & Freight workflows

Can driver and fuel cards be restricted by route or spending category?

Numarqe provides virtual and physical cards with real-time limits by amount, currency, merchant type and validity period. Finance can issue cards to individual drivers or vehicles and use project or cost-centre coding for route-level review, reducing cash advances and personal-card claims. Live vehicle location and route completion are not native card data. A route restriction based on telematics or a fuel network's own controls would need specialist integration and operating rules. Explore Logistics & Freight workflows

How do we manage cross-border tolls, fuel and supplier payments?

Numarqe supports supplier payments in 36+ currencies and multi-currency wallets, enabling finance to manage toll, fuel, port and haulier obligations in one payables workflow. Exchange rates are visible before payment confirmation, and transaction reporting helps consolidate the resulting costs. It does not remove FX risk or guarantee that every local payment method is available. Currency coverage, settlement route and local requirements should be checked against your actual network. Explore Logistics & Freight workflows

How can finance see route and vehicle costs in near real time?

Numarqe can associate card transactions, supplier invoices and payments with project or cost-centre references, giving finance timely spend visibility by the dimensions you configure. A route or vehicle can be represented as a reporting reference where that suits the operating model. Numarqe does not ingest GPS, delivery or vehicle telematics natively, so it should not be presented as a route-profitability engine without the necessary data. Integration scope determines how operational milestones join the financial record. Explore Logistics & Freight workflows

Professional Services & Consulting

How do we track contractor invoices against client engagements?

Numarqe lets you code contractor POs, invoices and payments to the relevant client engagement, so committed and actual costs remain visible before they become unrecoverable leakage. Set a budget for each phase, assign the supplier PO to the engagement and route invoices through multi-tier approvals. Project and entity analytics then help finance compare delivery cost with the relevant client or practice. Numarqe does not replace time recording or determine what is contractually rechargeable; those rules remain in your engagement and practice-management process. Explore Professional Services workflows

How do we control consultant travel and client entertainment?

Issue controlled virtual or physical cards to consultants with limits by amount, currency, merchant type and validity period. Transactions are visible centrally and can be associated with the relevant engagement or cost centre, reducing the delay and ambiguity of personal-card expense claims. This enforces the configured spending parameters; it does not decide whether a client will reimburse a charge. Your travel policy, client contract and receipt-review procedure remain the basis for recoverability. Explore Professional Services workflows

How do we handle cross-border consultants and intercompany project costs?

Numarqe supports supplier payments in 36+ currencies and project/entity-level reporting, allowing finance to manage cross-border consultant obligations within one approval and payment workflow. Entity references and multi-currency records provide evidence for reviewing shared delivery costs. The platform does not determine transfer pricing, permanent-establishment exposure or intercompany tax treatment. Those allocations and policies belong with your finance and tax advisers, supported by the transaction records Numarqe provides. Explore Professional Services workflows

How do we stop subscription and contractor spend continuing after an engagement ends?

Use a supplier or engagement-specific PO with a defined approval scope and a dedicated card with an appropriate limit and validity period. Finance can then review recurring charges and new invoices against the active project rather than discovering them in a later reconciliation. Numarqe's controls support this review; they do not infer that a milestone has been accepted or that a subscription is no longer required. The engagement owner should confirm closure and cancellation actions with each supplier. Explore Professional Services workflows

Recruitment & Staffing

How do we manage the gap between contractor payroll and client collections?

Numarqe gives finance visibility of supplier obligations, approvals and upcoming payables, while optional working capital may help bridge an approved timing gap subject to eligibility and terms. Project and entity reporting helps distinguish client or branch commitments and monitor the cash requirement. Numarqe is not a payroll engine and does not calculate contractor tax, timesheets or client collections. Your payroll and billing systems remain authoritative; any facility decision should be based on the actual receivables cycle and agreed terms. Explore Professional Services workflows

How do contractor timesheets and invoices enter the approval workflow?

Finance can match an approved supplier invoice against the relevant PO and route exceptions through multi-tier approvals before a batch payment run. Timesheets or client confirmations can be used as supporting operational evidence within that review process. Numarqe does not natively integrate with Bullhorn, Jobdiva or Vincere or independently approve worked hours. Your recruitment system and client authorisation remain the source of time and rate evidence, with any automated transfer scoped separately. Explore Professional Services workflows

Does Numarqe determine IR35 status or umbrella-company compliance?

No. Numarqe does not determine IR35/off-payroll status, validate FCSA or Professional Passport accreditation, or replace legal and tax due diligence. It can hold a controlled supplier-payment workflow with PO references, approval history and invoice evidence so authorised reviewers can check that required documentation has been considered. The recruitment business remains responsible for status determinations, tax treatment, approved-supplier rules and escalation of non-compliance. Explore Professional Services workflows

Can branch managers use cards for client entertainment with real-time limits?

Yes. Numarqe provides virtual and physical cards with controls by amount, currency, merchant type and validity period. A branch manager can receive a dedicated card with an agreed limit while finance sees transactions centrally and assigns them to the relevant branch, client or project reference. This reduces retrospective expense administration but does not make every entertainment cost allowable or rechargeable. Your expense policy and receipt-review process still apply. Explore Professional Services workflows

NGOs, Charities & Humanitarian Aid

How do we separate restricted donor grants from unrestricted operating funds?

Numarqe can use project, grant and entity references to separate commitments, supplier invoices and card expenditure in the payables workflow. Budget controls and transaction reporting help finance review spending against the relevant funding purpose and retain approval evidence. This supports grant administration; it does not certify donor eligibility or replace the organisation's restricted-fund accounting. Your grant agreements and accounting policies determine what may be charged to each award. Explore International NGO workflows

Can emergency response teams use controlled cards for local relief supplies?

Yes. Numarqe offers virtual and physical cards with real-time limits by amount, currency, merchant type and validity period. Authorised responders can receive a dedicated card for a deployment or supplier category while central finance retains transaction visibility and supporting spend records. Card and payment availability depends on the country, currency and programme terms, and the platform is not an offline procurement system. Emergency procedures should cover connectivity, safeguarding, receipt collection and post-purchase review. Explore International NGO workflows

How do we collect evidence for donor reporting and audits?

Numarqe links supplier invoices, PO references, approvals and payments in a traceable payables workflow. Project or grant coding and transaction records can help finance assemble evidence for a donor review without reconstructing every payment across separate bank portals. The platform does not certify compliance with FCDO, ECHO, USAID or any other donor's procurement rules. Competitive-tender evidence, eligibility and local tax or exemption documents remain the organisation's responsibility. Explore International NGO workflows

How do we handle grant currencies and local supplier payments?

Numarqe supports multi-currency wallets and supplier payments in 36+ currencies, allowing finance to hold supported balances and settle approved local obligations through a consistent approval process. Exchange-rate visibility and transaction records support reconciliation between the grant currency and operational spend. Numarqe does not determine donor conversion rules or guarantee availability in every jurisdiction. Confirm supported currencies, payment routes and any reporting requirements before deployment. Explore International NGO workflows