How Is Nium Different
From Other Providers?
Not all cross-border payment infrastructure is created equal.
Our network spans 190+ payout countries, supports
100+ currencies, and offers 100+ real-time payment corridors. Plus 24/7 customer support, competitive FX rates, no hidden fees and transparent payments – all in one integration.
Compare Nium
We’re everywhere your business needs to be
When we say global coverage, we mean it. We have the leading global infrastructure for real-time cross-border payments. From Sydney to Vancouver, we’ll move your money where it needs to be.
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Wire transfers | Other platforms | ||
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Direct payouts Send direct payouts to businesses in 190+ countries |
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Funds pass through an average of six FIs, adding cost and delays
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Fewer partnerships with
end-point banks |
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Real-time settlement Settle 80%+ of payments in real time with access to 100+ instant payout corridors |
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Takes an average of 5 days for funds to arrive
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Lack real-time coverage in emerging markets
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Transparent
conversions Convert across 125+ currencies with real-time FX rates |
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Hidden fees and unclear exchange rates
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Define their own interbank
FX rate and lack transparency |
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Global virtual
cards Issue and fund virtual cards in 30+ markets and 20+ currencies |
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Requires a bank account to receive funds
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Limited currencies and coverage
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Wire transfers | Other platforms | ||
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Comprehensive licensing Expand compliantly with licenses and authorizations in 35+ markets |
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Require an intermediary if not licensed in specific regions
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Fewer licenses and authorizations
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Unmatched network Leverage our global network of local banking partners to reduce FX and transaction fees while ensuring speed |
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Fewer banking relationships means limited coverage and more intermediaries
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Inconsistent network capabilities by market
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Anytime processing Process payments and FX conversions 24/7/365, even on weekends and holidays |
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Limited by banking hours and cut-off times
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Transfers may be delayed if booked outside business hours
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Successful payments Ensure payments arrive with 99.99% uptime and contingency routes for every corridor |
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Not all corridors may have equally robust contingency measures
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Smaller networks mean fewer contingency routes
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Better connected, better served
We’ve built relationships with regulators and banks all over the world so you don’t have to.
Built For Enterprise
If consumers can have fast, transparent, and cheap payments, why can’t businesses?
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Wire transfers | Other platforms | ||
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Built for B2B Power business payments with a platform tailored to the unique needs of banks, FIs, and enterprises |
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No specific customer focus, not optimized for enterprise scale requirements
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Lack enterprise and B2B-specific features
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Instant account verification Verify beneficiary accounts in real time across markets — 99% success rate, no penny drop, get started straight away |
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10-15% of payments fail due to incorrect account info and transactions difficult to reverse or cancel
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Lengthy onboarding and requirement to attach transactions to every verification
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Flexible payouts Move money your way — pay out to bank accounts, wallets, and cards |
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Limited flexibility for all payout end points
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Often act as aggregators, impacting transaction efficiency
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Global FX Lock and hold FX rates for 24 hours in 60+ currencies, including emerging markets |
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Limited live rate visibility, manual comparison needed
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Can have high spread rates plus standard fees
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Robust APIs Deploy enterprise-grade APIs to get up and running fast |
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Often require manual intervention and prolonged setup times
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Can have patchy and weak API documentation
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Connect via Swift Use Swift connectivity and MT & ISO20022 messaging for real-time cross-border payments |
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Some wire transfer providers lack Swift capabilities or require a lot of documentation if they do
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Limited Swift connectivity reduces interoperability
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Fund instantly Fund multicurrency global accounts via local and international rails for cheaper wallet top-ups |
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Currency locked at transfer initiation
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Few local pay-in currencies and lack unified reporting
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Wire transfers | Other platforms | ||
|---|---|---|---|---|
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Adjustable fees Control fees across B2B, B2C, and P2P transaction types, saving an average of 2.5% vs traditional wire transfers |
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Fixed fees apply regardless of payment type
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One-size-fits-all fee structure
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Competitive FX rates Track historical FX rates and compare vendors’ markups against interbank rates |
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Fee structures lack visibility and flexibility
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Don’t track against real-time Reuters interbank rates
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Customized pricing Set flexible pricing and charge the rates that suit your business |
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Reliant on fixed fee structures averaging at 6.5% per transaction
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Lack pricing flexibility or add additional transaction volume fees
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Direct transactions Eliminate intermediary fees by transacting directly with the end recipient |
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Intermediaries can charge anywhere between $15-50 USD per transaction
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Without local coverage, rely on intermediary fees
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Transparent,
competitive fees
Nium’s unique global infrastructure and real-time payment network provides transparent, end-to-end FX control, allowing you to set the end pricing.
We’re here to help
Our experts provide unparalleled technical and account support and can offer customized pricing and packages.
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Wire transfers | Other platforms | ||
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On-demand support Access 24/7 dedicated support — from onboarding to scaling high-volume global payments |
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Support typically limited to business hours
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Can be inconsistent throughout customer lifecycle
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Smart tools Use free online tools like our FX calculator and payout playbook to optimize payments |
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Opaque and complex processes via intermediaries, limiting control
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Fewer resources and sparse documentation
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Unbeatable standards Guarantee smooth operations with tight SLAs on funding, monitoring, and error resolution |
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Can struggle to meet expectations for quick response times
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Don’t tailor SLAs for enterprise needs
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Hear how businesses scale with Nium
Our partnership with Nium enables us to expand globally, allowing us to offer even more solutions in new corridors. The partnership offered us the possibility of having a better tracking of our operations and also being able to make payments faster.
– Marcio WIlliam, CEO & Co-Founder of Remessa Online
We chose Nium for its advanced technology and broad payouts reach in 190+ countries around the world. That, combined with the real-time speed of their payments at considerably lower transaction costs, and the company’s broad market knowledge, makes it an ideal partner to handle payouts abroad from Brazil to the rest of the world.
– Rodrigo Xavier, CEO of OZ Câmbio
"We currently live in a borderless world with a strong sense of urgency where we see customers focused on three pillars, reliability, state of the art technology, and most importantly, real time payments and instant payments."
- Mauro Neto, New product development, Treviso
We have many criteria: the network, the connectivity, good commercial term, good after-sales service. And Nium fulfills every criteria that we have.
– Tawan Thammanichanon, Head of International Trade Product Management, KBank
“Partnering with Nium has allowed Ebury to expand into new payment corridors at the pace we need. As a fintech, it is hard to be 'everything, everywhere, all at once', and partnerships like ours with Nium are critical to helping Ebury meet the expectations of our demanding customer base.”
Joe Kemsley, Head of Product Strategy at Ebury
We are very excited about Nium’s attainment of the Japan Type 1 license. With this license, we anticipate not only real-time money transfers, but also cost-effective transactions, enhancing the overall ease and efficiency of the money transfer process between Korea and Japan. This will enable both MOIN and Nium to better satisfy our customers, which is the most thrilling aspect for us.
— Ian Ilseok Suh, CEO of MOIN
We went from kickoff to having a live product in about 3 months...we went from zero to processing millions of transactions together.
– Giovanni Casinelli, Co-Founder & President, Aspire
What Nium does, the coverage that Nium has, the support that Nium provides ... I’d definitely recommend Nium to another company
– Vamsi Krishna, Co-Founder at Multiplier
Industry Recognition
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Connect to Nium via Swift
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5 Focus Areas When Choosing Your B2B Cross-Border Payments Partner
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