Our Licenses

Regulated in 35+ markets, instantly benefit from Nium's global coverage
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Australia flag

Australia

Nium Pty Limited (ABN: tel:45601384025) holds an Australian Financial Services Licence (Licence No. 464627) issued by the Australian Securities and Investments Commission, and is registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC) as an independent remittance dealer (Registration No. IND100432795-001).

Authorisations:

  • Money transfers / remittances;
  • Stored value / e-money issuance;
  • Issue branded debit and prepaid cards

Canada flag

Canada

Nium Canada Corporation is a registered Money Services Business (Registration No. M15669293) and is regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

Authorisations:

  • Money transfers / remittances
  • Stored value / e-money issuance
United States of America flag

United States of America

Nium, Inc. operates in the United States under a program sponsored by Community Federal Savings Bank, to which Nium is a service provider. Ixaris USA LLC is a Limited Liability Company, registered under the Laws of Delaware, USA, and operates under a program sponsored by Metropolitan Commercial Ban

Authorisations:

  • Money transfers / remittances
  • Stored value / e-money issuance

European Union flag

European Union

UAB Nium EU is an Electronic Money Institution (License No. 14) regulated by Lietuvos Bankas (Bank of Lithuania) and is licensed to issue e-money and provide payment services in the EEA through the passporting regime.

Authorisations:

  • Money transfers / remittances
  • Stored value / e-money issuance
United Kingdom flag

United Kingdom

Nium Fintech Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Reference Number 901024) for the issuing of electronic money and provision of payment services.

Authorisations:

  • Money transfers / remittances
  • Stored value / e-money issuance

Hong Kong flag

Hong Kong

Nium Limited is licensed by the Customs and Excise Department as a Money Service Operator Licence (Licence No. 16-01-01797).

Authorisations:

  • Money transfers / remittances
India flag

India

Nium India Pvt. Ltd. operates in association with SBM Bank and is regulated by the Reserve Bank of India, vide its approval letter Number. SBM/Mum/RP/009

Authorisations:

  • Via licensed AD-1 bank partners:
    • Collect and facilitate export related transactions;
    • Provide limited-purpose outward remittances and facilitate certain FX transactions; and,
    • Provide payment gateway service to receive export payments from buyers located in approved jurisdictions
  • Via AD-2 licence:
    • Foreign exchange / remittances
Indonesia flag

Indonesia

PT Nium Mitra Indonesia is regulated by Bank Indonesia as a Category 3 Payment Service Provider (License No. 21/261/Jkt/1).

Authorisations:

  • Money transfers / remittances
Japan flag

Japan

NIUM Japan Kabushiki Kaisha is regulated by the Kanto Local Finance Bureau as a Type Ⅱ Funds Transfer Service Provider (License No. 00073).

Authorisations:

  • Money transfers / remittances
Malaysia flag

Malaysia

Nium Sdn. Bhd. with Registration No. 201701000367 is licensed by Bank Negara Malaysia as a Class B Money Service Business (Remittance Business) (Licence No. 00340, valid until 7 January 2025).

Authorisations:

  • Money transfers / remittances
Singapore flag

Singapore

NIUM Pte. Ltd. is regulated by the Monetary Authority of Singapore as a Major Payment Institution (Licence No. PS20200276). Socash Pte Ltd is is regulated by the Monetary Authority of Singapore as a Major Payment Institution (Licence No. PS20200515).

Authorisations:

  • Money transfers / remittances
  • Account issuance
  • Merchant acquisition
  • Stored value / e-money issuance

Latest Resources

Article · 2 days ago
Nium’s Coding Interview Be Like...

Hear from Nium's Senior Engineering Manager, Kuai Yu, about what the Engineering team looks for during interviews.

News · 2 weeks ago
Nium Partners with Jeonbuk Bank to Launch Global Remittance Service

21 November 2023 — Nium, the leader in real-time global payments, and Jeonbuk Bank (JB Bank), a leading South Korean financial institution, have announced a groundbreaking partnership.

Podcast
Season 2 Recap: What's Inspired Us This Year

Hear the most exciting moments from Season 2 of #ForwardExchanges on this special episode. From ‘Women Driving the Future of Fintech’ to ‘Leaving the Legacy Structure of Travel Behind’, and much more!

Article · 3 weeks ago
Nium Cares Spotlight: BAT FOR A CHANCE

Currently in full swing, the ICC World Cup 2023 also gives us a chance, as the Official ICC Fintech Infrastructure Partner, to step back and reflect on our collaborative efforts, with valued charity partners, in an effort to make a positive impact in our ecosystem - beyond fintech. We believe that s

Event
CrossTech World 2023

Nium will be on hand at CrossTech World! Join us and other international financial services companies on November 14-16
in Miami.

News · 1 month ago
Quarterly release - Q4, 2023

New platform innovations to solve transparency and speed challenges of global money movement.

Article · 1 month ago
Reliable Payments with Nium Intelligent Routing

At Nium we have systematically and strategically built a network which covers 100+ real time markets and supports 100 currencies. We have mastered the art of building integrations and have built over 75+ integrations with banks, payment service providers and direct clearing systems.

Article · 1 month ago
Nium Portal Promises Faster Time-to-Market for Clients

We are thrilled to introduce the new redesigned Nium Portal that creates the best experience for both payments back-office and developer personnel. We applied the first principles of simple, easy, intuitive and self-service user experience, to meet the specific needs of your business.

Article · 1 month ago
Precision Payment Tracking with Nium Chronometer - Part 2

Cross border payments are hard and unpredictable because of multiple markets, multiple clearing systems and SLAs, compliance and local regulations and different integration touch points and multiple hops. At Nium, we are determined to not accept this status quo and change cross border payments.

Article · 1 month ago
NIUM’s modern FX gives competitive edge to global banking and software platforms.

Platforms and companies operating globally are faced with a highly volatile FX market, and most solutions aimed at addressing this risk have highly opaque costs. NIUM is solving this by offering guaranteed FX rates while providing full transparency into the FX costs.

Article · 1 month ago
Simplified integration with Nium using SWIFT message standards

Banks and Financial Institutions are increasingly appreciating the benefits of moving away from expensive, slow and opaque international wire transfers to lower cost, faster and predictable local payment rails using Nium’s modern APIs.

News · 1 month ago
Nium Launches Global FX Enhancements to Solve Transparency Challenges of Global Money Movement

SAN FRANCISCO, Calif. and SINGAPORE – October 23, 2023 — Nium, the leader in real-time global payments, today announced Nium Global FX – a product that allows for guaranteed and competitive FX rates. This includes the ability to lock and hold an FX rate for up to 24 hours and settle FX conversions o

Premium
Fearless FX: Currency Exchange to Drive Global Growth

As you build your global business, FX strategies may have been low on your list of priorities. Many organizations relegate FX as a default from their banks. But even a few percentage points can make the difference as you fund subsidaries and global operations.

Premium
Passport to global payments

Learn more about what makes real-time global payments from Nium different. Our global payments infrastructure spans 190+ countries and 100+ currencies. Transparent foreign exchange, intelligent payment routing, and intuitive developer tools make Nium the choice for cross-border money movement.

Event
Money20/20

Join Nium at Money 20/20 in Las Vegas. Meet our experts and network with innovators in payments, banking, fintech, and financial services at the world’s biggest gathering of the global money ecosystem.

Case Study
Aspire - Fast Tracking Finance

Built for entrepreneurs, by entrepreneurs Aspire is the all-in-one finance operating system for businesses. They help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Their mission is to empower the next generation of entreprene

Case Study
Multiplier - Streamlining International Payments

Enabling businesses to hire anyone, anywhere in minutes. Founded in 2020 by co-founders, Sagar Khatri, Amritpal Singh and Vamsi Krishna, Multiplier has fast become the leading global employment platform that makes it easy for companies to employ teams internationally. Its proprietary technology simp

Event
Phocuswright Conference 2023

Join Nium at The Phocuswright Conference US 2023 in Florida on November 13-16. We’ll be on-the-ground at one of North America’s leading travel industry events showcasing our real-time payment expertise and innovative solutions for online travel agencies, airlines and hotels.

Podcast
The Struggle is Real-Time: Meeting the Challenge of Paying Creators

Topic: why the creator economy matters, the role payments play in scaling up a creator-focused platform, what to expect in building a global payments network, and how the latest innovations in payments can give your business the competitive advantage you need to be successful in this new economy.

News · 1 month ago
Nium Hits a 6 with Spectacular Events at Men’s Cricket World Cup

MUMBAI - 12 October 2023 — Nium, the leader in real-time global payments, in partnership with the International Cricket Council (ICC) are thrilled to unveil a spectacular set of events to electrify the ICC Men's Cricket World Cup 2023 in India from 5 October to 19 November 2023.

News · 1 month ago
Nium expands B2B travel payments offering in Asia Pacific

Singapore, 19 October, 2023 - Nium, the leader in real-time global payments, has expanded its B2B travel payments offering in the Asia Pacific (APAC) region, building on rising demand for its virtual card solution offering globally.

Article · 1 month ago
Voices of Nium with Karthik Venkatachalam S.

Karthik Venkatachalam S, Secure by Design and Cybersecurity Principal at Nium, has had a career pebbled with experience and growth across leading brands such as Standard Chartered Bank and Ernst & Young. He was recently recognized as a Nium’er who consistently makes effort to #MakeItBetter. In sitti

Event
AFP 2023

Join Nium and thousands of treasury and finance professionals at AFP 2023 in San Diego on October 22-25. Nium will be at Booth 505 to share how we enable real-time, cross-border payments, and deliver efficiency and bottom line value to organizations.

News · 2 months ago
Nium Named to the 2023 CB Insights Fintech 100 List of Most Promising Fintech Companies

The leader in real-time global payments honored for a fourth year in a row from a pool of 19,000 companies for its achievements in cross-border payments.

Podcast
Leaving the Legacy Structure of Travel Behind and Embracing Technology

Air travel is a dynamic market influenced by global events and consumer sentiments.

News · 2 months ago
Nium, Expands European Operations with New Regional Headquarters in London’s Square Mile

London, 22nd September 2023 – Nium, the leader in real-time global payments, has opened a new European headquarters in London to accelerate business expansion across Europe and affirm its commitment to the UK as a leading fintech hub.

Article · 3 months ago
Nium joins Singapore’s FAST and PayNow Networks

A giant stride towards revolutionizing global real-time payments. Nium’s inclusion in Singapore’s esteemed FAST (Fast And Secure Transfers) and PayNow networks is an indication of more to come, with the fintech making global real-time payments a reality

Event
Payments Leaders' Summit 2023 | London

Join Nium at Payment Leaders’ Summit UK 2023 in London on October 10-11. The event brings together payment industry leaders and innovators from across the ecosystem for two days of insights, discussion, and networking.

Event
WTM London 2023

Join Nium at the Travel Market World 2023 at the ExCeL, London on 6 - 8 November at booth N11-244. The event is home to the world’s travel trade - the most influential travel and tourism event globally.

Premium
Flying With Fintech: How Virtual Cards Create an Air Travel Payments Revolution

How are OTAs (online travel agencies) flying with fintech? Payment systems in air travel are inefficient, slow, and expensive, creating friction between OTAs and their airline partners. Here's how to rise above it all.

Article · 3 months ago
Why the Switch to Real-Time Payments Could Be This Season’s Best Transfer Business

Global corporates and payroll platforms enabled by real-time payments benefit from faster, cheaper, and more transparent transactions. When exchange rates are locked in, hidden fees are eliminated, and regulatory requirements taken care of, the ‘right time’ to execute payments is all the time.

Article · 3 months ago
Top Payment Considerations for Global Payroll Providers

Learn the current challenges of payroll support, and how to choose the right global payroll platform that adapts to the needs of markets, business models, and technology stacks of international businesses in Nium's new infographic.

Case Study
Delivering Speed and Flexibility for Frente Corretora

Frente Corretora is a trailblazing foreign exchange (FX) broker based out of the Brazilian megacity of Sao Paulo. Pre-pandemic, it led the charge for a new wave of digital payments specialists in the South American country - offering a range of FX-related products, from international remittances to

News · 3 months ago
ICC and Nium Call on Cricket Loving Technologists to Compete in ‘Next In’ Hackathon

The ICC together with official fintech infrastructure partner and leading real-time global payments platform, Nium, today invited all cricket-loving technologists to revolutionize the world of cricket through cutting-edge innovation as part of the second edition of the Next In hackathon. 

Article · 3 months ago
Voices of Nium with Dan Fraguglia

Q&A with Dan Fraguglia, Talent Lead at Nium for the Americas. In this blog, we get to know more about Dan's journey across tech talent acquisition, and gain a better understanding of Nium’s internal culture and how this impacts the way Nium recruits. 

Premium
Like, Subscribe, Pay - Get the Creator Economy Report

Successful, growing platforms know that brand and loyalty metrics matter. Your creators are your lifeblood to the business. This report, created by Nium in conjunction with NewtonX, explores the challenges and role payments play in scaling social platforms globally.

Article · 3 months ago
Nium Partners With Cricket Builds Hope To Empower Women in Rwanda

Cricket Builds Hope is an initiative supporting Nium’s belief that there is power in harnessing sport as a vehicle for positive social change, equality, empowerment, and community.

Article · 4 months ago
The Power of Dynamic Authorization for Spend Management Platforms

As part of Nium’s modern card issuing product, Dynamic Authorization encompasses a suite of API-powered authorization models, offering unmatched flexibility and control, real-time visibility and reporting, and advanced fraud management capabilities.

Article · 4 months ago
Precision Payment Tracking with Nium Chronometer

Drawing inspiration from a marine chronometer which helps with precise navigation in high seas, Nium's Payment Chronometer helps our customers effectively sail through the difficult cross-border payment high seas and keeps the customer informed about their payments.

News · 4 months ago
Nium Announces 2022 Net Revenue Grew 2.7x YoY to US$82M

The company’s 2022 annual audit shows impressive growth with a focus on regional expansion, becoming first fintech startup from Singapore to have over 20 offices globally.

Event
Eurofinance 2023

Join Nium at EuroFinance International Treasury Management 2023 in Barcelona on September 27-29. The event brings together over 2,000 influential treasury and financial technology leaders from across the globe to tackle complex challenges with innovative solutions for a rapidly changing environment.

Event
ITB Asia 2023

Join us at ITB Asia 2023, the pinnacle gathering for travel industry professionals and innovators, set in the vibrant city of Singapore from October 25th to 27th, 2023.

Event
FinnoSummit 2023

Join Nium at FinnoSummit 2023 in Mexico City on September 26-27. FinnoSummit brings together Fintech and Insurtech entrepreneurs, innovation executives and investors from the largest financial hubs to search, create and implement new opportunities to transform the industry.  

Event
ATPS APAC

Join Nium at the Airline and Travel Payments Summit 2023 in Bangkok, Thailand on 22 - 23 August. The event will be covering the latest payments and fraud prevention trends for airlines, travel companies and OTAs in Asia Pacific.

Event
SaaStr US 2023

Join Nium at the SaaStr Annual 2023 conference in San Mateo, CA on September 6-8. SaaStr Annual is the world’s largest SaaS community event on the planet, with more than 12,500 SaS executives, founders, and VCs. 

Podcast
Unlocking the Power of Global Payroll: Insights from Industry Leaders

In episode three of Forward Exchanges Michael Bermingham, Co-founder, and Chief Business Officer at Nium, and Laetitia Moncarz, Global Head of Payments at Papaya Global discuss payment considerations and evolving employee expectations.

Event
Fintech DevCon 2023

Join Nium at Fintech DevCon 2023 in Austin, Texas, August 23-25. Fintech Devcon is the only conference for fintech developers and builders designed to unlock knowledge and bring about the next decade of financial innovation. 

Event
EVOLVE 2023

Join Nium at EVOLVE 2023 in São Paulo, Brazil August 22-23. This year’s event will feature hundreds of world’s leading cross-border payments stakeholders to discuss how the industry is constantly evolving, growing, and developing.

Event
Intersekt Australia 2023

Be part of the fintech revolution at Intersekt 2023 in Melbourne, Australia on 30-31 August. Intersekt 2023 is the pinnacle event for fintech developers and creators, offering a platform to share ideas, forge partnerships, and chart the course for the fintech landscape of tomorrow.

Event
Sibos 2023

Join Nium at booth L10 in Hall G at Sibos 2023 in Toronto, Canada. Sibos features thought leaders from around the world who will share insights on ESG standardization, cross-border payments, post-trade data, digital currencies, and AI/machine learning.

Article · 4 months ago
Introducing New Tools to Streamline the Developer Experience

We are excited to announce a few key enhancements to the Nium documentation site and developer portal.

Article · 4 months ago
Voices of Nium with Matthew Farrugia: From Junior Business Intelligence Developer to Principal Product Manager

Sit down with Matthew to unpack his deep passion for this niche industry and pick his brain to understand how he steered his career path with Nium from Junior Business Intelligence Developer to Principal Product Manager.

Case Study
Nium’s Zero-deduction Global Wire Transfers Are A Hit With Alawneh Exchange’s Corporate Customers

Accessing Nium’s global payments infrastructure, will enable us to provide the fast and efficient pay-out services to our customers, looking to remit funds in the biggest markets globally. The partnership with Nium will redefine standards in the remittance business.

News · 5 months ago
Nium Opens New Headquarters in Singapore

Nium affirms long-term commitment to Singapore, announcing new initiatives to drive growth of “BizTech” job category.

Article · 5 months ago
Top Three Trends Global Businesses Face in the B2B Cross-Border Payments Landscape

Global businesses are facing a transforming B2B payments landscape, driven by three key trends.

Article · 5 months ago
The Ultimate Guide to Real-Time B2B Cross-Border Payments

In this post, we’ll examine the cross-border real-time payments space, its benefits and challenges, how it’s developing, and how the right payments partner can connect businesses with the RTP networks of the world.

Event
Seamless Asia 2023

Marina Bay Sands Expo & Convention Centre, Singapore June 27-28th, 2023

Article · 5 months ago
Six Advantages of Real-Time Cross-Border Payments

Real-time payments offer a solution by enabling instant fund transfers and providing businesses with a competitive advantage. In this blog, learn the six advantages of real-time cross-border payments.

Premium
Paying Employees and Freelancers in the On-Demand Economy

In this Sifted Talks webinar, sponsored by Nium, experts discuss how to optimize payroll experience, in this on-demand economy.

Article · 5 months ago
Nium Webinar Explores the Key Elements of Real-time Payments for Global Businesses

Recently, Nium hosted a webinar shedding light on its comprehensive offerings and how the teams address the questions and concerns of prospects from financial institutions, global payroll platforms, spend management platforms, marketplaces, and the travel industry.

Article · 6 months ago
Nium Reaches New Heights in Europe with GM Hire, Regional Expansion, and Revenue Growth

Nium, the leader in real-time global payments, today announced the appointment of Manuel Sandhofer as Senior Vice President and General Manager, Europe, following unprecedented growth in the region.

Article · 6 months ago
Why You Should Have an International Team — and How to Pay Them

Getting your payroll right for international employees comes with challenges — and getting it wrong can be costly.

Article · 6 months ago
Compliance Challenges with Real-time Cross-Border Payments

Explore what payments compliance is, why it's important for merchants, financial institutions, and other organizations, the challenges of real-time B2B payments compliance, and how to overcome them.

Article · 6 months ago
Presence “in absentia.”: A Recap and Takeaways from Web Summit in Rio

Our decision to participate in the event stemmed from the growing interest we have observed among our existing and new clients looking for the Nium experience for their payment needs in Latin America. And it turned out we weren’t alone.

Article · 6 months ago
Client Conversations and Trends

Based on our conversations on the Nium Checkout side, here are some key points we are hearing from clients in the space.

Article · 6 months ago
How Nium's Checkout Product Enables Global Businesses to Enter India's Competitive Market with Ease

Domestic payment processing is well established in India, with various players solving specific niche needs. These players range from acquirers, payment gateway aggregators, and payment orchestration providers, among others, who assist merchants in processing their sales.

Article · 6 months ago
India – An Untapped Market for Travel and Digital Goods Businesses

With India’s population reaching 1.4 billion and global forecasts unanimously predicting its rise as the world’s third-largest economy by 2023, surpassing Japan and Germany, global enterprises are increasingly interested in entering the Indian market.

Article · 6 months ago
Payment challenges for global companies — and how payroll platforms could be a secret weapon

Getting international payroll right from the very beginning is crucial for businesses. Could utilising different models be the way to go?

Article · 6 months ago
How APAC is Winning the Real-Time Payments Race

The world of payments is rapidly evolving – and reshaping the world itself at the same time. When it comes to real-time payments, the Asia-Pacific (APAC) region is leading the charge. With an increasing number of countries embracing digital finance and fintech innovation, it's no surprise that four

Article · 7 months ago
How Real-Time Payments Have Fueled Latin American Economies

Latin America (LATAM) is in the middle of a real-time payments revolution that is rapidly changing how people and businesses make transactions. The emergence of fast-payment systems like Transferencia 3.0 in Argentina, PIX in Brazil, and SPEI in Mexico has driven remarkable growth while bringing a g

Article · 7 months ago
A Q&A with Volker Steinle on Nium Payments and Fintech

As Nium continues to scale and strengthen our global payments infrastructure worldwide, we’re pleased to have Volker Steinle join us as Senior Vice President and General Manager of the Americas. Based out of our San Francisco HQ, Volker’s expertise as a veteran in the payments space accelerating sal

Article · 8 months ago
5 Payment Considerations for Global Payroll Platforms

Hiring global talent is easier than ever, with companies embracing remote work and hiring talent by the millions, regardless of geography. See how global payroll platforms are modernizing their compliance, currency management, data and privacy, and scalability efforts.

Article · 8 months ago
Nium Partners with Cricket Builds Hope to Empower Women in Rwanda

Nium is proud to co-sponsor the “Women’s Empowerment Program,” in partnership with FIS Global, with a joint donation to the Cricket Builds Hope foundation. Cricket Builds Hope’s unique program, designed to incorporate cricket as a tool for social change, empowers low-income young women in Rwanda to

Article · 8 months ago
Nium Travel Adds Support for Emirati Dirham (AED) to its Virtual Card Funding and Issuing Capabilities

Currency support for popular tourist hub allows Nium customers to issue a virtual card and spend in AED for fast payments, reduced complexity, and improved transaction-level controls By Christian Falzon, Product Director, Nium Travel The United Arab Emirates (UAE) are a must-visit country with fanta

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