Real-time cross border payments solutions for every customer you serve.

Nium gives banks a single API platform to collect, convert, and disburse funds globally, delivering funds to bank accounts, cards, or wallets across 190+ countries. Banks use this to move money globally in near real time, backed by direct bank relationships that help settle transfers instantly and speed up the transfer process, without building that connectivity in-house.

Nium replaces the multi-hop correspondent banking chain with direct local rail connections via API, removing intermediary banks from the payment path. Nium offers instant fund movement without hidden markups or intermediaries — avoiding the layered fees and multi-day settlement typical of correspondent routing.

Yes. Nium sits alongside a bank's existing core platform via API rather than requiring a system replacement. Banks integrate specific capabilities as needed — Payout API, Payin API, Issue Cards API, and Global Account Verification API — into their current stack.

Nium pairs its payment infrastructure with comprehensive compliance monitoring on a global scale, and holds 40+ regulatory licenses, authorizations, and registrations across key markets.

Nium's payment APIs can be embedded in as little as 4 weeks. Timelines extend for larger programmes involving new customer-facing products or multiple corridors, where proposition design, contracting, and pilot testing add a few months.