Physical & Virtual Cards
Turn card issuing into your growth engine.
Issue physical and virtual cards globally, funded by fiat or stablecoins. Scale from your first transaction to millions with built-in controls and expert support.
1,000+ industry-defining customers worldwide
%201.svg){kind=logo}
_Logo%201.svg)
Everything you need to launch, manage, and grow card programs for customers, partners, and employees.
Launch faster, with confidence
Go from idea to market quickly with expert support, scheme connectivity, and infrastructure built to scale.
Make the experience yours
Create branded physical and virtual cards with flexible controls and journeys that feel native to your platform.
Control every transaction
Set limits, rules, merchant controls, and permissions upfront — then track spend, risk, and reconciliation live.
Turn cards into revenue
Grow through interchange, FX, embedded finance, and stablecoin-backed card programs.
Configure your card program around your needs.
Create the right card for the journey
Issue virtual, physical or digital cards configured around your program needs.
Fund cards from wallets and balances
Connect cards to consumer or corporate wallets. Funds can be loaded, held and spent in real time.
Manage every stage of the card lifecycle
Configure card controls and access reporting on activity, accounts, balances, and statements through API-led workflows or Nium web portal.
Flexible card programs for the way your users spend, get paid, and move money.
We wanted to issue virtual and physical cards to our customers without having to re-implement the whole stack from scratch. We chose Nium for their global coverage, experienced team, and went to market in 3 months. We now process millions of transactions together."
"
Corporate spend and procurement
Give teams branded cards with configurable limits, merchant controls and real-time visibility across expenses, supplier payments, bookings and procurement workflows.
Payouts and disbursements
Move money quickly with spend-ready cards for contractors, creators, gig workers, insurance settlements, marketplace payouts and other controlled disbursement flows.
Travel and hotel payments
Streamline B2B travel payments with virtual cards for online travel agencies, hotels and booking platforms, enabling efficient supplier payments with real-time controls and global settlement.
Global card issuing without global complexity.
Create connected financial experiences
Connect card issuing with wallets, balances, FX and payouts, so customers can receive, hold and spend funds through one experience.
Launch with confidence and built-in protection
Protect programs with 3DS, tokenization, lifecycle controls, fraud-risk tools and chargeback support for eligible disputes, backed by teams supporting design, onboarding, launch and ongoing management.
Stay in control as you scale
Configure card use by channel, geography, merchant category and transaction type, keeping programs flexible without losing control.
Issue cards wherever your customers do business.
Choose the right card scheme
Select from supported Visa, Mastercard, and Discover options based on your market and program needs.
Support the currencies that matter
Fund and issue in supported currencies to meet local customer and business needs.
Expand into new markets
See where scheme and currency capabilities are available to assess opportunities and plan your next launch.
Currencies available for card issuing:
Currencies available for card issuing:
Currencies available for card issuing:
Currencies available for card issuing:
Currencies available for card issuing:
Currencies available for card issuing:
Currencies available for card issuing:
ADJACENT SOLUTIONS
The money movement stack to scale your business globally.
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.
What types of cards can I issue with Nium?
You can issue physical, virtual and digital cards for a wide range of customer programs, including prepaid card programs, embedded card issuance, white label card issuance and card issuing for fintechs. Programs can be configured around your customer journey, with branded cards, multi-currency wallets, spend controls, cardholder rules and real-time visibility built in.
Does Nium support USDC-linked card programs?
Yes. Nium can support USDC-linked card programs and stablecoin card issuance models where digital asset balances or collateral can be connected to real-world card spend. This helps platforms bridge digital dollars with everyday payments, while cardholders spend through familiar physical, virtual or digital card experiences.
How long does it take to launch a card program with Nium?
Launch timelines depend on your program design, markets, compliance requirements and integration scope. Nium supports faster implementation with enterprise-grade APIs, program design support and hands-on delivery from onboarding through go-live. For example, Aspire went from kickoff to live product in about three months.
Which card networks does Nium work with?
Can I issue cards in multiple currencies?
Yes. Nium supports multi-currency card programs where multiple currency sub-accounts can be linked to a single account wallet. Customers can hold, load, convert and spend across supported currencies, with real-time FX available for transactions that require conversion.
How does Nium handle card program compliance?
Nium helps reduce the complexity of launching and operating card programs across markets with licensed infrastructure, program management support and built-in risk controls. Compliance requirements vary by region and use case, but Nium supports customers with onboarding, KYC workflows, transaction monitoring, fraud risk management, dispute management and ongoing program support through its card program management API and operations teams.