Neonomics

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What Neonomics is

Neonomics is a paid open-finance platform founded in 2017 and headquartered in Oslo, Norway. It combines account data, verification, financial intelligence, and payments through web access and APIs. Nello Data provides consent-based account and transaction information, balances, and account updates through one API, with real-time refresh. Supported fields include account numbers, names, types, owners, balances, currencies, transaction types, amounts, dates, and counterparties. Verify Account checks bank-account ownership using information from the bank. Nello AI adds transaction categorization and income and expense verification. Nello Pay supports Pay by Bank through an API or hosted payment flow; the hosted flow also supports card payments. Listed payment features include scheduled and batch payments, real-time status, webhooks, and customizable branding. The API is available only to licensed payment providers, while businesses can use the hosted flow. Neonomics says it connects to more than 3,500 European consumer banks. Pricing starts at 5,600 NOK/mo, with no free plan. Customers can test in a sandbox at no cost; production access requires due diligence and a commercial agreement.

Who it suits

Neonomics suits businesses building services around bank data, account verification, transaction intelligence, or payments. Licensed payment providers can use the Nello Pay API; other businesses can use the hosted flow.

What it does well

Consent-based account and transaction data
Real-time data refresh
Verification and transaction categorization
Pay by Bank and hosted card payments
Sandbox testing available

What to know first

No free plan
Nello Pay API limited to licensed providers
Production requires due diligence and agreement
Pricing starts at 5,600 NOK/mo

Verdict

Neonomics combines data, verification, intelligence, and payment functions in one open-finance platform. Check API eligibility, production requirements, and commercial pricing against your integration needs.

Facts from Neonomics's own pages

Account verification: Verify Account checks bank account ownership using information directly from the bank. · neonomics.io, 9 Oct 2026
AI data handling: The FAQ says Nello AI customer data is not exposed to public AI models and is processed only for the consented purpose. · neonomics.io, 9 Oct 2026
API eligibility: The Nello Pay API is available to licensed payment providers only. · neonomics.io, 9 Oct 2026
Bank coverage: Neonomics says it connects to more than 3,500 consumer banks across Europe, with some markets available through a partner API with a minimum volume commitment. · neonomics.io, 9 Oct 2026
Data location: The FAQ says personal data is stored and processed exclusively within the EU/EEA and is never transferred outside it. · neonomics.io, 9 Oct 2026
Developer resources: Neonomics provides developer documentation for its APIs and ready-made solutions, including sandbox access for Nello Pay and Nello Data. · neonomics.io, 9 Oct 2026
Founded: 2017 · neonomics.io, 28 Sept 2026
Headquarters: Oslo, Norway · neonomics.io, 28 Sept 2026
Integration limit: The Nello Pay API is available only to licensed payment providers; businesses can also use the hosted payment flow. · neonomics.io, 9 Oct 2026
Licensing: Neonomics says it is licensed by Norway’s Financial Supervisory Authority for account information and payment initiation services, with EU passporting. · neonomics.io, 9 Oct 2026
Nello AI: Nello AI is an add-on to Nello Data that categorizes transactions and verifies income and expenses. · neonomics.io, 9 Oct 2026
Nello Data: Nello Data provides consent-based account and transaction data, balances, and account updates through a single API. · neonomics.io, 9 Oct 2026
Nello Pay: Nello Pay supports Pay by Bank through an API or hosted payment flow, and its hosted flow also offers card payments. · neonomics.io, 9 Oct 2026
Payment features: Nello Pay lists scheduled payments, batch payments, real-time payment status, webhooks, and customizable branding among its features. · neonomics.io, 9 Oct 2026
Payments: Nello Pay offers Pay by Bank through an API or hosted payment flow, with Pay by Card available through the hosted flow. · neonomics.io, 9 Oct 2026
Payment security: Nello Pay lists Strong Customer Authentication, encryption, Verified Payee, and direct bank-to-bank routing as safeguards. · neonomics.io, 9 Oct 2026
Platform: Neonomics combines account data, verification, financial intelligence, and payments in one open finance platform. · neonomics.io, 9 Oct 2026
Pricing: The FAQ says Nello Data and Nello AI pricing combines monthly platform fees, usage-based fees, and any agreed premium services; exact terms depend on the commercial agreement. · neonomics.io, 9 Oct 2026
Regulation: Neonomics says it is licensed by the Norwegian Financial Supervisory Authority for account information and payment initiation services, with EU passporting. · neonomics.io, 9 Oct 2026
Security: Nello Data describes consent-based access, Strong Customer Authentication, PSD2 compliance, encrypted connections, and regulated open banking infrastructure. · neonomics.io, 9 Oct 2026
Support: Neonomics directs customers to its support channel for questions and offers technical review meetings through Sales. · neonomics.io, 9 Oct 2026
Testing and onboarding: Customers can test in a sandbox at no cost; production access requires due diligence and a commercial agreement. · neonomics.io, 9 Oct 2026
Verification: Nello Data offers account ownership and available balance verification. · neonomics.io, 9 Oct 2026
What it does: Neonomics combines financial data, verification, financial intelligence, and payments in one open finance platform. · neonomics.io, 9 Oct 2026

Where Neonomics stands on Freedom251

Bank Connectivity Software#47 of 71