NIUM
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NIUM FOR DEVELOPERS, BUILDERS, AND AGENTS

Build global money movement into your product.

APIs, SDKs, guides, and a production-like sandbox designed to take you from your first API call to production with confidence.

Nium docs

Explore API

190+Countries
100+ Currencies
99.9%Uptime
~180msP50 Latency
POST /v1/payouts 
# Create a cross-border payout
curl -X POST https://api.nium.com/v1/payouts \
  -H "x-api-key: $NIUM_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "sourceCurrency": "SGD",
    "destinationCurrency": "INR",
    "beneficiaryId": "bnf_8x2k9p"
  }'
// Create a cross-border payout
const res = await fetch("https://api.nium.com/v1/payouts", {
  method: "POST",
  headers: {
    "x-api-key": process.env.NIUM_API_KEY,
    "Content-Type": "application/json"
  },
  body: JSON.stringify({
    amount: 5000,
    sourceCurrency: "SGD",
    destinationCurrency: "INR",
    beneficiaryId: "bnf_8x2k9p"
  })
});
# Create a cross-border payout
import requests

response = requests.post(
    "https://api.nium.com/v1/payouts",
    headers={
        "x-api-key": NIUM_API_KEY,
        "Content-Type": "application/json"
    },
    json={
        "amount": 5000,
        "sourceCurrency": "SGD",
        "destinationCurrency": "INR",
        "beneficiaryId": "bnf_8x2k9p"
    }
)
200 OK · txn_4f2a… processing ~180ms

WHY DEVELOPERS CHOOSE NIUM

One integration.
Endless possibilities.

Ship faster

Production-like sandbox, OpenAPI spec, SDKs, Postman collection, and integration guides that get you from API key to first API call quickly.

Debug with confidence

Clear error responses, request IDs, webhook events, testing utilities, and status visibility make issues easier to reproduce and resolve.

Scale globally

One integration unlocks payouts, accounts, cards, FX, and local payment rails across 190+ countries.

Designed for developers

A toolkit you can rely on.

Everything you need to explore, integrate, test, and ship —
without chasing support tickets.

Production-like sandbox

Mirror production endpoints, data shapes, and state machines before
you go live.

SDKs & code samples

Node, Python, Go and Java SDKs with typed request builders and examples.

Open API-first

A complete versioned OpenAPI spec so you can generate clients in any language.

Postman collection

Pre-built requests, environments, and examples to get your first call in minutes.

Error documentation

Standard error codes, request IDs, and retry guidance for every failure path.

Webhooks

Signed, event-driven status updates for payouts, cards, accounts and FX.

Status page

Live status, incident history, and maintenance windows for every region.

WHAT YOU CAN BUILD

Everything you need to move money, all in one place.

Cross-border payouts
Multi-currency accounts
Global collections
Card issuance
Foreign exchange

Most popular

Send money globally through a single API.

Pay customers, suppliers, contractors, and employees across 190+ countries using local rails, SWIFT, and real-time payment networks.

190+ payout destinations, 100+ currencies

Beneficiary management

Account verification

Batch payouts

Real-time status webhooks

Explore Payout APIs

View docs

POST /v1/payouts 
# Request
{
  "amount": 5000,
  "sourceCurrency": "SGD",
  "destinationCurrency": "INR",
  "transferType": "LOCAL",
  "beneficiaryId": "bnf_8x2k9p"
}
# Response (200 OK)
{
  "transactionId": "txn_4f2a...",
  "status": "PROCESSING",
  "fxRate": 62.14,
  "estimatedSettlement": "4s"
}

Hold, manage, and move funds globally.

Access local account details, maintain balances across currencies, and simplify treasury operations from a single account.

Local account details

Multi-currency balances

Internal transfers

Reconciliation support

Treasury workflows

Explore Account APIs

View docs

Collect funds like a local business.

Receive payments through virtual accounts and local collection methods while simplifying reconciliation.

Virtual accounts

Local collection rails

Automated reconciliation

Multi-currency collections

Collection tracking

Webhook notifications

Explore Collection APIs

View docs

Launch card programs without building card infrastructure.

Issue physical and virtual cards with controls, security, and real-time transaction visibility.

Virtual cards

Physical cards

Spend controls

Card lifecycle APIs

Authorization webhooks

Program management

Explore Card APIs

View docs

POST /v1/cards 
# Request
const card = await nium.cards.create({
  cardholderId: "ch_9v2p",
  type: "virtual",
  currency: "USD",
  spendLimit: {
    amount: 2500,
    interval: "monthly",
  },
});
# Response (200 OK)
{
  "cardId": "card_71bdc4",
  "last4": "4021",
  "status": "ACTIVE",
  "expiry": "09/29"
}

Convert currencies programmatically.

Get FX quotes, lock rates, and execute conversions through a single integration.

Real-time FX rates

FX quotes

Currency conversions

Locked rates

Multi-currency settlement

Conversion tracking

Explore FX APIs

View docs

HOW TO INTEGRATE

Built for the way your team
already ships.

Nium Embed is a suite of pre-built SDK components that let any partner platform embed compliant financial flows — payouts, onboarding, accounts, and more — directly inside their product, under their own brand. No redirects, no UX overhead.

[1]

Sign up for the Nium Portal

Verify your email, set up MFA, and you're in. Manage keys, monitor transactions, and configure the integration.

[2]

Retrieve your API credentials

Nium generates a clientHashId and x-api-key. Find them under Configuration → API keys. Sandbox and production are isolated.

[3]

Make your first API call

Use the Postman collection to explore endpoints. Start with Get Client Details to verify your credentials.

[4]

Onboard a customer and fund a wallet

Customers are the entities you hold and transfer funds for. Onboard via the API, then fund the wallet in sandbox.

[5]

Add a beneficiary and create a payout

Register the person or organization receiving funds, then POST to /remittance to move money from the wallet.

[6]

Go live

Swap sandbox credentials for production keys. Fund wallets with the Client Prefund Request. Most teams ship in two weeks.

PROCESS

The infrastructure underneath, at a glance.

Uptime | last 90 days
99.9%
Across every service, region, and rail.
P50 payout latency
~180ms
Authenticated, screened, priced, and routed.
Markets live
190+
100+ currencies. 40+ local payment rails.
Licenses held
60+
EMI, MSB, MTL, and equivalents across regions.
Audited:
SOC 2 Type II
PCI DSS Level 1
ISO 27001
ISO 22301
Nium Portal access

Sign up for the Nium Portal

API documentation

Getting started with the Nium API

Payout API docs

Card issuance API docs

Travel API docs

Nium Verify API docs

CONTACT US

Are you ready to move with certainty?

Talk to our team or start building in the sandbox.

Talk to us

Explore API

FAQs

Answers you didn’t know you needed.

What can I build with Nium’s API?

Cross-border payouts, multi-currency accounts, card issuance, spend management, global payroll, stablecoin settlement, and more through one connected platform. One integration unlocks every capability.

Is there a sandbox environment for testing before going live?

Yes. Sandbox mirrors production endpoints. Swap the API key when you're ready to move real money — the code doesn't change.

What authentication method does Nium’s API use?

A clientHashId paired with an x-api-key sent as headers. Sandbox and production credentials are fully isolated.

Does Nium offer SDKs or only REST APIs?

Both. First-party SDKs cover Node, Python, Go, and Java. A full OpenAPI spec is available for any other language.

How long does it take to integrate Nium’s API?

Most teams reach production in under two weeks. The Postman collection and sandbox get you making calls in minutes.

What is Nium’s API uptime and reliability SLA?

99.9% uptime across every service, region, and rail, measured continuously and published live at status.nium.com. Nium is audited annually against SOC 2 Type II, PCI DSS Level 1, ISO 27001, and ISO 22301.

Does Nium’s API support webhooks for real-time payment events?

Yes. Every state transition emits a signed webhook, verified with HMAC-SHA256 against your endpoint secret.

What support is available during integration?

A dedicated solutions engineer, a private Slack channel, and 24/7 on-call during your launch window.