How global businesses pay and get paid

Global payments. Fast and simple.

Embedded payments and card issuance solutions. All in one API.

Talk to our specialists

Global payments.

Our global payments platform enables effortless Pay Out, Pay In, Card Issuance and Banking as a Service capabilities.

A network of trust.

Move money around the world to your vendors, customers and employees on the world’s leading global network.

API ingenuity.

Go from idea to implementation quickly and easily with our robust, bank-grade APIs designed for scalability.

THE EMBEDDED FINANCE PLATFORM

Purpose-built for power and simplicity.

Payments around the world delivered via bank accounts, cards and e-wallets.

PAY OUT

190+ markets. Zero hassles.

Pay Out to 190+ countries and territories, with speeds as fast as real time in 85 markets.

Learn more about Pay Out

PAY IN

Bank like a local in 35 different countries.

Set up virtual bank accounts in 35 different countries, so you can scale globally, and act locally, with ease.

Learn more about Pay In

ISSUE CARDS

Issue cards in 33 markets.

Tap into our full-stack solution to issue physical and virtual cards in 33 markets worldwide.

Learn more about Issue Cards

BANKING AS A SERVICE

Access 3.2 billion beneficiaries.

Combine our payment and card services to build your next innovation that can access over 3 billion beneficiaries worldwide.

Learn more about BaaS

Our network. Your growth.

Explore our network of licenses, payment methods and global reach to see where your next expansion and innovation can take you.

See our global network

With Nium I saw the ability for us to scale quickly, not only locally but in new markets, and at a commercially feasible cost.

Sam Brown, Founder and CEO

Read our customer stories

Embed our expertise with Nium’s powerful APIs.

PAY OUT

Extend your payment reach. Nium's global, cross-border Pay Out APIs are here to help you make fast, transparent and efficient payments to 190+ countries, 65 in real-time.

Explore the Pay Out API

Bash
Javascript
C#

1curl --request post 
2
3--url "https://api-test.instarem.com:4803/api/v1/fund/create" 
4
5--data {
6    "account_number": 101950173983,
7    "amount": 1000,
8    "instarem_deposit_account": "CIMB-2000496328-USD",
9    "payment_reference": "Funding for transactions in USD"
10} 
11
12--header 'authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJleHAiOjE0OTgxMzQ4OTQsImRhdGEiOnsic3ViIjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWE1IiwiY2xpZW50IjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWExIn0sImlhdCI6MTQ5ODA0ODQ5NH0.pevwSDpk-JDNtVIpqFu_m0Xu1UnDVumrAYStcrxf8sM' 
13
14--header 'content-type: application/json'

PAY IN

Receive funds across borders. Use the Pay In APIs to simplify and embed cross-border payment collection to bank accounts in more than 25 countries.

Explore the Pay In API

Bash
Javascript
C#

1curl --request get 
2
3--url "https://api-test.instarem.com:4803/api/v1/client/{clientId}/payer/{payerId}" 
4
5--header 'authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJleHAiOjE0OTgxMzQ4OTQsImRhdGEiOnsic3ViIjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWE1IiwiY2xpZW50IjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWExIn0sImlhdCI6MTQ5ODA0ODQ5NH0.pevwSDpk-JDNtVIpqFu_m0Xu1UnDVumrAYStcrxf8sM'  
6
7--header 'content-type: application/json'

ISSUE CARDS

Build your own wallet and card solutions by combining modular features from Nium's Banking as a Service suite. Issue cards, create wallets and offer virtual accounts, all with one, simple API connection.

Explore the Issue Cards API

Bash
Javascript
Java

1curl -X GET     'https://apisandbox.spend.nium.com/api/v1/client/{{clientHashId}}/customer/{{customerHashId}}/wallet/{{walletHashId}}/cards?page=0&size=2' 
2
3    -H 'x-api-key: 0mZpIhaLVM1qd8IJhCfgjGJDsY7b5pdr00j' 
4
5    -H 'x-request-id: 123e4567-e89b-12d3-a456-426655440000'  
6
7    -H 'x-client-name: client1'

Bash
Javascript
C#

1curl --request post 
2
3--url "https://api-test.instarem.com:4803/api/v1/fund/create" 
4
5--data {
6    "account_number": 101950173983,
7    "amount": 1000,
8    "instarem_deposit_account": "CIMB-2000496328-USD",
9    "payment_reference": "Funding for transactions in USD"
10} 
11
12--header 'authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJleHAiOjE0OTgxMzQ4OTQsImRhdGEiOnsic3ViIjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWE1IiwiY2xpZW50IjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWExIn0sImlhdCI6MTQ5ODA0ODQ5NH0.pevwSDpk-JDNtVIpqFu_m0Xu1UnDVumrAYStcrxf8sM' 
13
14--header 'content-type: application/json'

Bash
Javascript
C#

1curl --request get 
2
3--url "https://api-test.instarem.com:4803/api/v1/client/{clientId}/payer/{payerId}" 
4
5--header 'authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJleHAiOjE0OTgxMzQ4OTQsImRhdGEiOnsic3ViIjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWE1IiwiY2xpZW50IjoiNTk0MjNmMzZjZWEyMTQ2OTI2ODczOWExIn0sImlhdCI6MTQ5ODA0ODQ5NH0.pevwSDpk-JDNtVIpqFu_m0Xu1UnDVumrAYStcrxf8sM'  
6
7--header 'content-type: application/json'

Bash
Javascript
Java

1curl -X GET     'https://apisandbox.spend.nium.com/api/v1/client/{{clientHashId}}/customer/{{customerHashId}}/wallet/{{walletHashId}}/cards?page=0&size=2' 
2
3    -H 'x-api-key: 0mZpIhaLVM1qd8IJhCfgjGJDsY7b5pdr00j' 
4
5    -H 'x-request-id: 123e4567-e89b-12d3-a456-426655440000'  
6
7    -H 'x-client-name: client1'

Nium: the element that makes fintech go.

Nium’s platform, network and APIs are a formidable combination. Designed to eliminate friction, our suite of technologies creates new business opportunities that span oceans and borders all over the world.

Ready to go?

Connect with our sales team.