Neonomics

ListedPISP / aggregator

Nordic and EEA account information and payment initiation.

neonomics.io ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Neonomics offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

  • Balancesbanking.ais.balances

    Current and available balance of a linked account.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

  • Scheduled paymentsbanking.pis.scheduled

    A payment the payer approves now for a later date, or a standing order.

  • Bulk paymentsbanking.pis.bulk

    Many payments approved together in one bank authorisation.

Verification

  • Verification of Payeeverification.vop

    EU Verification of Payee: asks the payee's PSP whether the name matches the IBAN, as the Instant Payments Regulation requires.

  • Account ownershipverification.ownership

    Proving the user holds an account by linking it at their bank; the bank returns the holder's name where it reports one.

Reaches many banks through open banking: links accounts and starts payments that go straight from the payer’s bank to the payee’s.

Coverage

Countries

  • NO Norway
  • SE Sweden
  • DK Denmark
  • FI Finland

Account schemes

  • payto://iban
    IBAN
  • payto://bban
    Domestic account number (BBAN)

Custody

Who holds the money while a payment through Neonomics is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

Who is regulated

Neonomics (Finanstilsynet).

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Neonomics with your credentials.

Onboarding

Sandbox
Sandbox on request
Production
Contract with the provider

Poll-only statuses and multi-step SCA; account verification is limited to four calls a day.

Credentials

Neonomics has no adapter yet, so there is no folder layout to create. It will appear here when the provider is integrated.

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