One Connection
to Real-Time
Global Payments
Accelerate business growth on the world's leading real-time payments infrastructure. Collect, convert, and disburse funds around the world instantly to accounts, cards and wallets.
Instant Account Verification for
Cross-Border Payments
Nium Verify enables instant validation of beneficiary accounts in over 50 markets. Eliminate payment failures and avoid fraud to transact with confidence.
Upcoming Event
Money 20/20 Asia
Bangkok, Thailand · April 22 - 24, 2025
Nium, your single connection to real-time cross-border payments, will be on full display at Money20/20 Asia—on the show floor, in panel sessions, and at our exclusive Nium @ Nite party. Meet our experts at booth 1001 to discuss your payment needs, and discover how the world’s largest real-time payments network is transforming financial flows in Asia Pacific and beyond.
Read more
Products
The Global Infrastructure For Real-Time Payments
Nium moves money, manages foreign exchange and mitigates fraud risk so your business can send and receive funds in real time.
our solutions
Solutions for Modern
Money Movement
Nium Portal
Manage Multiple Payment Applications From a Single-View Dashboard
Develop, deploy, and manage your payment applications directly from our single-view dashboard. Empower payment teams with self-serve tools, feature-rich applications, and intuitive instrumentation.
View interactive demoThe Most Powerful APIs for Faster Integration
Go from idea to implementation quickly and easily with our robust, powerful and flexible APIs. Our rich API documentation, sample data, and code snippets provide developers with powerful tools and elegant APIs to launch your next innovation with ease.
Start buildingThe Nium API
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--url https://gateway.nium.com/n1/api/v1/client/id/wallet/d45193cc-4d3c-421a-ada4-63f4dfcb663d/fund \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '
{
"amount": 500
"destinationCurrencyCode": "SGD"
"fundingChannel": "BANK_TRANSFER"
"fundingInstrumentId": " "<hash-id>"
"sourceCurrencyCode": "SGD"
}
'
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--url https://gateway.nium.com/n1/api/v1/client/api-key/customer/6380ca89-16c8-4d2a-826f-265bb954c39d/wallet/34078ed1-38f7-4ce4-825e-266e85ac1ba1/remittance \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '
{
"beneficiary": {
"id": "64665bf275b2012eca1ca0d5"
}
"deviceDetails": {
"countryIP": "66.249.74.64"
"deviceInfo": "macOS"
"ipAddress": "45.48.241.198"
"sessionId": "40531ac01a6f11edafc28dba55d51275"
}
"payout": {
"swiftFeeType": "SHA"
"audit_id": 112
"destination_amount": 0
"serviceTime": "2022-11-29"
"source_amount": 100
"source_currency": "INR"
"tradeOrderID": "TR012345"
}
"sourceOfFunds": ""Business Owner/Shareholder"
"authenticationCode": "string"
"customerComments": " "Transfer to family"
"exemptionCode": " "01 - Trusted Beneficiary"
"purposeCode": " "IR01802"
}
'
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--url https://gateway.nium.com/n1/api/v2/client/clientHashId/customer/customerHashId/wallet/walletHashId/card \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '
{
"Select one of the following card type": {
"cardType": "PHY"
}
"cardProductId": 100
"cardType": "VIR"
"cardExpiry": "1126"
"nameOnCard": " "John Doe"
"additionalLine": "John Doe"
"issuanceMode": "NORMAL_DELIVERY_LOCAL"
"plasticId": "100100"
"corporateId": "123456"
}
'
Connect to Nium’s Real-time Payments Infrastructure via Swift
Discover the easiest way to initiate, track, and reconcile Swift transactions on the Nium Real-Time Global Payments Network. No complex integrations. Just access to faster, more transparent payments worldwide.
Get started
Global network, global business
-
190+ Payout countries and territories
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100+ Real-Time markets
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Regulated in 35+ markets
Real-Time Money Movement, Made Possible
Move money around the world — from APAC to LATAM, from EMEA to North America, from capital cities to emerging markets. Our direct bank relationships enable nearly all transactions on the Nium network to be settled in real time.
Hear From Our Customers
After shifting to Nium, their Visa cards have been accepted at major merchants and have been well received by clients. The Nium team has been helpful in solving certain issues for us.
– Rajith Shaji, Founder, Volopay
This partnership with Nium is an important milestone...it means we can now deliver even more value to our customers, helping them navigate the complexities of spend management effortlessly.
– Daniel Kniaz, CEO, Weel
We are proud to partner with a global leader, such as Nium, to develop various banking products, from loans to real-time remittance services for foreign immigrants in South Korea.
– Hyunkwun Oh, Deputy CEO, Jeonbuk Bank
We went from kickoff to having a live product in about 3 months...we went from zero to processing millions of transactions together.
– Giovanni Casinelli, Co-Founder & President, Aspire
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We have many criteria: the network, the connectivity, good commercial term, good after-sales service. And Nium fulfills every criteria that we have.
– Tawan Thammanichanon, Head of International Trade Product Management, KBank
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The product demos gave our team a lot of confidence and the technological integration process was seamless and conclusive, reflecting a great start for the partnership.
– Luiz Henrique Didier Jr., Executive Director, Ebury
For marketplaces, the ability to seamlessly acquire sellers operating in multiple markets – and offer them all a consistent payment experience – cannot be understated. Nium is helping us to deliver just that.
– Jérémy Ricordeau, Chief Operating Officer, Lemonway
Our partnership with Nium, a global leader in real-time, cross-border payments, will facilitate seamless, global transactions for our customers... embracing cutting-edge technologies and pushing boundaries to deliver excellence.
– Marwan Hadi, Group Head, Retail Banking & Wealth Mgmt. at Emirates NBD
As companies become increasingly global, the complexities of expanding compliantly across international borders also grow. Our partnership with Nium is designed to address these complexities head-on.
– Job van der Voort, CEO and Co-Founder, Remote
