Closed-loop payments, built as infrastructure.
The rails for cashless ecosystems. Build, launch, and scale payment systems for schools, events, campuses, and any controlled environment.
Already know what you need? Visit Nal Card for schools or Nal Bazaar for events.
Why closed-loop?
Open networks serve everyone. Closed-loop payments serve your community—with rules designed for your environment.
Control the rules
Define spending policies, set limits, manage permissions. Your ecosystem, your rules. Full control over who can transact, where, and how much.
Operate without friction
Instant card provisioning, real-time balance updates, automated reporting. No cash handling, no reconciliation headaches, no payment delays.
Trust and adoption
A governed ecosystem that parents, schools, and venues trust. Transparent transactions, secure funds, and accountability at every step.
Platform primitives
Modular building blocks that compose into complete payment systems. Like Lego bricks—each piece works alone, but they're designed to fit together.
Identity & Roles
Multi-tenant user management with granular role-based access control.
Wallets & Balances
Real-time balance tracking with instant top-ups and transfers.
Acceptance
POS integration, NFC cards, and QR-based payment acceptance.
Reconciliation
Automated settlement with real-time reporting and audit trails.
Integrations
APIs, webhooks, and SDKs for seamless system integration.
Security
End-to-end encryption, fraud detection, and compliance controls.
Ready-to-deploy solutions
Purpose-built products powered by our infrastructure. Launch in days, not months.
Nal Card
Cashless payments for schools. Parents load, students tap, canteens track.
Nal Bazaar
Event payment infrastructure. Vendors onboard, guests pay, organizers settle.
Build Your Own
White-label our infrastructure. Your brand, our rails.
Same rails. New verticals.
Our infrastructure adapts to any controlled environment. Here's where we're headed next.
Have a use case in mind? Let's talk
Build with confidence
Clean APIs, comprehensive documentation, and sandbox environments. Everything you need to integrate closed-loop payments into your product.
REST API & SDKs
TypeScript, Python, and Go SDKs with complete type definitions.
Webhooks
Real-time event notifications for transactions, balance changes, and more.
Reference Flows
Pre-built integration patterns for common use cases.
// Initialize Nal client
import { NalClient } from '@nal/sdk';
const nal = new NalClient({
apiKey: process.env.NAL_API_KEY,
});
// Create a wallet for a user
const wallet = await nal.wallets.create({
userId: 'user_123',
currency: 'USD',
metadata: { type: 'student' }
});
// Process a transaction
const transaction = await nal.transactions.create({
walletId: wallet.id,
amount: -500, // $5.00 charge
merchantId: 'merchant_456',
description: 'Cafeteria lunch'
});Infrastructure that compounds
We're building the payment rails for controlled environments. Every vertical we enter leverages the same core infrastructure, creating compounding returns on our technology investment.
Reusable Infrastructure
Build once, deploy to many verticals. Our platform primitives adapt to schools, events, campuses, and more.
Multi-Stream Revenue
Transaction fees, platform subscriptions, and value-added services create diversified revenue streams.
High Retention
Embedded payments create deep integration and switching costs. Our customers stay and expand.
Trusted in production
Real institutions, real transactions, real reliability. Built for the demands of daily operations.
Choose your path
Whether you're ready to build, need a turnkey solution, or want to explore a partnership—we're here to help.
Build on Nal
White-label our infrastructure for your use case
Nal Card
Cashless payments for schools
Nal Bazaar
Payment infrastructure for events
Talk to Partnerships
Explore integration opportunities