Spend management
Turn spend management into a product advantage.
Give your customers real-time control over business spend with branded physical and virtual cards, built-in controls, and clear transaction visibility, without building the issuing infrastructure yourself.
1,000+ industry-defining customers worldwide
BUSINESS VALUE
Power spend without the complexity.
Spend management should feel seamless, not stitched together. Nium brings the payments infrastructure you need into one platform, so you can deliver control, visibility, and automation without the operational lift.
Give customers the cards and controls they need.
Launch flexible card programs
Issue virtual and physical cards across 30+ markets with limits, approvals, and real-time controls — no BIN sponsor or card network relationships required.
Flexible spending, built-in control
Issue virtual cards instantly for software, travel, advertising, projects, or other business needs, while finance teams set budgets, restrict spend, and track transactions in real time.
Keep card management native
Bring requests, approvals, issuance, spend tracking, and receipt capture into your platform for a more seamless customer experience.
Make multi-currency spend easy to manage.
Enable multi-currency wallets
Let customers hold balances, fund budgets, and manage spend across 100+ currencies.
Give customers FX control
Help customers convert funds at transparent rates and manage currency exposure.
Support global teams
Enable local spending across markets and currencies while keeping control centralized.
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.”
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Automate the expense lifecycle.
Connect spend to accounting
Link approvals, cards, transactions, receipts, and reconciliation in one automated flow.
Simplify onboarding and compliance
Use built-in eKYC and eKYB across markets without building the processes from scratch.
Speed up reconciliation
Send enriched transaction and merchant data into accounting systems to reduce spreadsheets and manual matching.
ADJACENT SOLUTIONS
The money movement stack to scale your business globally.
Physical and virtual cards
Launch an on-demand card program, funded by fiat or stablecoins. Protection built in.
Cross-border payouts
Send funds to 190+ countries in real time, in 100+ currencies. One integration or a simple SDK.
Multi-currency accounts
Hold, convert, and manage funds in multiple currencies from one account.
contact us
Let money move.
Talk to our team about how Nium can help you collect, convert, send, and spend with faster, more transparent payments worldwide.
FAQs
Answers you didn’t know you needed.
How does Nium support spend management platforms?
Nium provides white-label spend management payments infrastructure including corporate card issuance for platforms, multi-currency wallets for expense platforms, FX control, and automated expense reconciliation APIs. Spend management platforms can embed virtual card issuance, multi-currency accounts, cross-border payments, and expense automation through one API — without building payment infrastructure or applying for banking licenses.
Can I issue corporate cards through Nium?
Yes. Nium supports corporate card issuance for platforms across 30+ markets. You can issue virtual, digital and physical cards through a card issuance API for spend management with real-time spend controls including spending limits, merchant category restrictions, approval workflows, and instant card freezing. Cards can be issued for employees, departments, projects, or vendors with controls managed directly from your platform.
Does Nium support real-time spend controls?
Yes. Nium provides real-time spend controls for corporate card programs including transaction limits, merchant category blocking, spending approvals, and instant card controls. Spend management platforms can set rules at the card, user, department, or company level, with realtime visibility into transactions as they happen through real-time payment rails for corporate spend.
Which currencies does Nium support for expense management?
Nium supports multi-currency wallets for expense platforms across 100+ currencies with FX control for spend management through 2,000+ currency pairs. Spend management platforms can help customers hold balances, convert funds, and manage corporate spend across currencies with transparent, real-time interbank rates and full visibility over fees.
Can Nium handle eKYB and eKYC for spend management onboarding?
Yes. Nium provides eKYB and eKYC for expense platforms including identity verification, business validation, and customer onboarding workflows. This helps spend management platforms support compliant payment flows, card issuance, and cross-border expense management without building compliance infrastructure from scratch.
Does Nium support multi-currency wallets for enterprise expense management?
Yes. Nium supports multi-currency wallets for expense platforms that let businesses hold balances, prefund budgets, and manage corporate spend across 100+ currencies. These wallets can be used for card funding, expense reimbursements, and international spend with FX control for spend management to help customers convert funds at transparent rates and manage currency exposure.