You pay for the product. The product will not sell you anything.

There are no ads inside Nummio and there is nothing to cross-sell: no payments business holding your deposits, no payroll to promote on every page, no checking account with our name on it. We charge a subscription, and the subscription is the whole relationship.

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What it looks like when the product is also a sales channel

QuickBooks Online promotes its own payments, payroll, and other Intuit products with in-product banners throughout the app. And because QuickBooks Payments holds the funds, it can place a hold on a payment for review — by its own account, to protect the parties involved, with the review typically completed within 2 business days.

Intuit, "Learn about funds on hold in QuickBooks Payments", verified Sep 9, 2026

None of that is unusual for a company whose accounting product is the front door to a payments, payroll, and lending business. The banners are the cross-sell working as designed, and a payment hold is the payments business managing its own risk. It is simply not what you were buying when you bought bookkeeping.

What we don't have, and therefore can't push

No payments business.

Invoices can be paid by card through your own Stripe account, connected by you, with the money going to you. We never hold it, so we never put it on hold.

No payroll.

We don't run payroll and don't intend to promote one. If you need it, we'll say so on the comparison page and you'll pair Nummio with a payroll provider.

No bank of our own.

Live bank feeds read from the accounts you already have. There is no Nummio checking account, no card, and no lending, so there is nothing to advertise inside your books.

The build gate

Promises like this decay one banner at a time, so it is enforced by a test rather than a policy. An automated test in our build walks every core workflow route in the product, the review queue, expenses, invoices, reconciliation, the close, reports, journal entries, reimbursements, customers, and vendors, and fails the build if any of them imports a marketing component, links to the public pricing or signup pages, carries a promotional marker, or contains sales copy. The one thing that looks like a prompt and isn't one: when you hit a plan limit, the product names the limit and the plan that lifts it, and links to your own billing settings. That is a limit message, not an ad, and the test is written to tell the difference.

The review queue, with nothing else in it.

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