# Numarqe
> Numarqe is a UK-based payables and spend-management platform for mid-market companies with £20m–£500m+ revenue and complex, international operations. It connects procurement, purchase orders, approvals, supplier payments, corporate cards, multi-currency wallets and accounting sync in one system, so finance teams see committed and settled spend in one ledger instead of stitching together banks, card providers and spreadsheets.
> Founded in 2020 in London by James Bowler (former mid-market CFO) and Carl Burton. Optional working capital is provided by Numarqe Capital Limited, subject to eligibility and terms. Cards are issued by Paynetics AD (Bulgarian National Bank e-money licence 44/11.04.2016) via Paystratus Group Ltd; card payments route over Mastercard. Client operational funds are held in safeguarded e-money accounts, which is not the same as FSCS bank-deposit protection.
## What the platform does
- [Products overview — all six product pages](https://www.numarqe.com/): the six capabilities below are one connected platform, not separate tools.
- [Corporate cards](https://www.numarqe.com/products/corporate-cards): virtual and physical Mastercard cards with instant virtual issuance (~30 seconds), Apple Pay/Google Pay, real-time limits by amount, currency, merchant category and date, instant freeze/cancel, and spend coded to person, team, project or cost centre.
- [Supplier payments and AP automation](https://www.numarqe.com/products/supplier-payments): AI invoice extraction (supplier, invoice number, amount, currency, payment details) from PDFs, images and inbox ingestion; PO-to-invoice matching; multi-currency batch payment runs in 36+ currencies across 210+ countries; exchange rate shown before confirmation; full audit trail from invoice receipt to settlement.
- [Procurement](https://www.numarqe.com/products/procurement): project/department/cost-centre budgets; supplier-specific purchase orders with payment terms, currency, cost codes, line items and delivery milestones; committed spend visible the moment a PO is raised; milestone-gated payments released only on verified delivery.
- [Governance and controls](https://www.numarqe.com/products/governance-and-controls): multi-tier approval matrices by amount, supplier, cost centre, project and category; delegation, escalation and dual sign-off; automated two-way (PO + invoice) and three-way (PO + goods receipt + invoice) matching; immutable audit trail for internal and external audit.
- [Accounting integrations](https://www.numarqe.com/products/accounting-integrations): bi-directional sync with Xero, Microsoft Dynamics, Sage and NetSuite — chart of accounts, departments, projects and cost centres in; pre-coded transactions, receipts and reconciliation data back out. Other systems require API scoping.
- [Insights and analytics](https://www.numarqe.com/products/insights): real-time dashboards by entity, project, budget, currency and supplier; budget variance tracking; procurement forecasting; AI anomaly and duplicate-invoice detection; finance-ready reporting.
## Who it is for
- [Sectors overview](https://www.numarqe.com/sectors): mid-market companies with multi-entity structures, distributed field teams, project-based costs or high supplier-payment volumes.
- [Energy, offshore and renewables](https://www.numarqe.com/sectors/energy): project-level procurement and batch contractor payments for decommissioning, EPC and wind-farm operations; field team cards for rigs, vessels and sites; multi-currency contractor payouts.
- [Yachting and marine](https://www.numarqe.com/sectors/yachting): crew cards in any port, charter APA tracking, refit supplier payments and owner reporting across SPV and multi-jurisdiction ownership structures.
- [Construction](https://www.numarqe.com/sectors/construction): project budgets by trade package and phase, milestone-gated subcontractor payments, high-volume subcontractor invoice processing and site team cards.
- [Mining and natural resources](https://www.numarqe.com/sectors/mining-resources): remote site cards in 210 countries, multi-currency EPC contractor payments and mine-site project budget tracking.
- [Travel and aviation](https://www.numarqe.com/sectors/travel-aviation): crew and agent cards, MRO and fuel supplier payments, and cross-border ground-handling spend for airlines, charter operators and travel management companies.
- [Logistics and freight](https://www.numarqe.com/sectors/logistics-freight): batch haulier invoice processing against contracted rates, driver and fuel cards with route-level limits, and cross-border toll/fuel/port payments in 36+ currencies.
- [Professional services](https://www.numarqe.com/sectors/professional-services): engagement-level cost tracking, consultant batch payments across subsidiaries, fee-earner cards and working capital for 60–90 day client payment terms.
- [International NGOs](https://www.numarqe.com/sectors/international-ngo): grant-tagged spend tracking and donor audit trails, field team cards and multi-currency payouts across country offices.
## Common questions
- [FAQs: AP automation, spend management and corporate cards](https://www.numarqe.com/faqs): 72 plain answers on how the platform works — PO and budget workflows, invoice extraction and matching, batch payments, card controls, credit eligibility, safeguarding, ERP integrations, security and sector-specific workflows. (Becomes live once the /faqs page is published.)
- [Numarqe vs American Express](https://www.numarqe.com/comparisons/numarqe-vs-amex): what Amex covers (corporate cards and statements) versus what Numarqe adds — AP automation, PO workflows, multi-currency supplier payments, accounting sync and real-time visibility.
- [Numarqe vs Barclaycard](https://www.numarqe.com/comparisons/numarqe-vs-barclaycard): the same comparison for Barclaycard's bank card product.
## Company, security and proof
- [About Numarqe](https://www.numarqe.com/about): founded 2020 in London by James Bowler (former mid-market CFO) and Carl Burton; built for global multi-entity mid-market finance.
- [Security](https://www.numarqe.com/security): AES-256 encryption at rest, TLS 1.3 in transit, mandatory MFA, SSO support, role-based access, SOC 2 Type II infrastructure, 99.9% uptime SLA, 24/7 fraud monitoring and immutable audit logging. PCI DSS, Mastercard and GDPR compliance badges.
- [Case studies](https://www.numarqe.com/case-studies): Enki Subsea (subsea services, automated PO-to-invoice matching and 70% reduction in manual processing time) and Eames Group (unified multi-currency corporate cards and supplier payments), with customer quotes from CFOs.
- [Book a meeting](https://www.numarqe.com/book-a-meeting): 30-minute working session mapping one real supplier payment end to end; no generic demo.
## Content for finance teams
- [Insights and blog](https://www.numarqe.com/blog): practical finance articles on AP, FX, treasury, spend controls and sector operations, written from operational finance experience.
- [Partnerships](https://www.numarqe.com/partnerships): accounting and advisory partner programme covering NetSuite, Dynamics, Sage and Xero practices.
## Optional
- [Sitemap](https://www.numarqe.com/sitemap.xml): all indexed pages.
- [Robots](https://www.numarqe.com/robots.txt): crawling is allowed site-wide with no restrictions.