Embrace Germany's
payment evolution
with Nium

In a nation transitioning from cash reliance to digital payments, Nium bridges the gap for businesses eyeing Germany’s $145 billion e-commerce market.

Germany market overview

Use of payment instruments on the internet for Germany

80.6%

Smartphone
Penetration

92.7%

Internet
Penetration

Key Language

German

Population

83, 860, 000

Cross-Border
E-Commerce Revenue

$53 Billion

Market Opportunites

The shift to Digital Payments

Germany, Europe’s second-largest e-commerce market, is on the cusp of a digital payment revolution. Still one of the world’s most cash-reliant economies, the shift from cash to digital methods marks a significant opportunity for businesses to tap into a market with a projected value of $197 billion by 2027.

Market Opportunites

Moving towards
less-cash

While cash remains a staple, government-led education initiatives around the benefits of digital payments are starting to bear fruit. As they do, a huge opportunity to facilitate Germany’s inevitable transition to digital payments is opening up.

Nium’s in-depth local knowledge equips you with all the tools you need to enter this quickly evolving marketplace.

Payout

Payin

Issue Cards

Bank Account (SEPA)

EUR

Real-time

Foreign Currency Wire Transfer (SWIFT)

USD, EUR, SGD, GBP, AUD, CAD, HKD, JPY, CHF, NZD

T+1

Visa Direct

EUR

T+2

Currency

Payment methods

Support for the most
popular payment
methods

Regulated in 35+ markets, instantly benefit from Nium’s global license portfolio. We’ve built one of the world’s most comprehensive networks to power on-demand money movement in Germany. Nium customers can make real-time transfers into 100+ market, via a single connection.

Discover Nium’s capabilities

Nium has worked with leading institutions across the world to gain access to a number of the leading real-time payment networks.

Using a secure, modular API suite, global businesses can access fully compliant payment rails, with regulatory licenses and authorizations in over 40 countries, enabling seamless payment acceptance regardless of geography.

Multi Currency Accounts

Simplify funding, collection, conversion, and disbursements to drive borderless growth for multiple currencies.

Explore Accounts

Global Payouts

Send payouts to 190+ countries with real-time payments infrastructure for on-demand business.

Explore Payouts

Global FX

Avoid the high-cost intermediaries and get transparency and control to move money anywhere in real time.

Explore FX

Global Card Issuing

Launch physical and virtual card strategies quickly and easily with authorization models that work for you.

Explore Issue Cards

Global Account Verification

Access real-time, instant bank account verification across 50+ markets. Pre-validate beneficiary account details, instantly.

Explore Account Verification

Nium Verify

Premium content

Nium Verify

Access real-time, instant bank account verification — eliminating payment failures, reducing operational costs, and enhancing fraud prevention with Nium Verify.

Read the report

Connect to Nium via Swift