The Leader in
Real-Time
Global Payments
Payroll Payments
Travel Payments
Business Payments
Payments
Payroll Payments
Travel Payments
Business 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.

Built On Nium
Global leaders build on Nium's real-time payments infrastructure to go further, faster.
The Global Infrastructure For
Real-Time Payments
Setup virtual accounts. Convert funds to local currencies. Disburse funds to more than 190 countries.
Nium moves money, manages foreign exchange, and mitigates fraud so your business can send and receive funds in real-time.
Collect, Pay and
Settle Funds Globally,
in Real-Time.
190+ markets, Zero hassles
Global Payouts
Payout to accounts, wallets, and cards in more than 190 markets. Pay employees, suppliers, local sellers and partners wherever you do business.
Learn more →Local collection, global payments
Global Accounts
Whether collecting salary payments or subscription revenues, Nium Payin allows you to collect funds in multiple currencies from customers worldwide.
Learn more →Virtual and physical
Global Card Issuance
Modernize payments for global payroll, spend management, or travel companies with Nium’s virtual card solution.
Learn more →






our solutions
The Modern Way Global Businesses Move Money
Financial Institutions
Move money across borders for banks, fintechs, and money service businesses.
Global Payroll
Scale effortlessly with competitive FX, real-time payments, and direct debit options.
Spend Management
Take control of corporate purchasing and simplify supplier payments.
Travel
Maximize efficiency and profitability by optimizing travel payments with flexible funding methods.
The 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"
}
'


The Most Powerful APIs for Global Money Movement
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 BuildingReal-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.

Global network global business.
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190+ Payout countries and territories
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100+ Real-time markets
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Regulated in 35+ markets
Hear From Our Customers


