Can I pay out to cards for my freelancers, creators, influencers, or other workers?

Yes! In some countries, we can support Payout to card using the Visa Direct network. Another option is to issue your own branded cards to those workers and then load funds onto those issued cards when a payment is warranted.

I’m looking for a payments partner, but I’m not sure if I’m an “online platform.” Can you tell me more about this term?

Many terms are being used to describe a wide range of businesses. We are using “online platforms” because it is generally accepted as a broad segment of businesses that operate digitally to connect customers. Examples include (but are not limited to): Spend management platforms (sometimes also referred to as expense management platforms) Supplier payment platforms (sometimes referred to as account payable/receivable platforms) Payroll platforms (either as part of a human resources (HR) service, human capital management (HCM) service), or a stand-alone payroll platform) Marketplaces Talent platforms (includes freelancer payments, gig worker payments, contractor payments, creator payments, influencer payments, and more).

Can you make payments to emerging markets such as India?

Yes! Using our API, you can pay out to markets all around the world. Explore our network for more details.

Can I share in the revenue for payments?

Yes! We have many customers that choose to partner with Nium for this exact reason. We can design a program that helps you meet your own business needs and those of your customers.

What products are available to SaaS and Online platforms?

Nium offers Payin , Payout , and Card Issuance aimed at helping you design the program that works best for your platform participants. These disbursements, collections, and issuing products support most platform businesses, including spend management, supplier payment platforms, payroll platforms, marketplaces, and talent and gig platforms (those that help connect freelancers, gig workers, creators, and influencers to jobs and monetization of their work).

Where do you offer real-time payments?

Nium offers real-time p ayments to 100+ markets across the globe. This includes markets such as the United Kingdom and Mexico, as well as emerging markets such as Malaysia, the Philippines, India , and more. For a full list, please see our network page.

Do I need a license to make payments with Nium?

No. Nium holds 11 licenses around the world and can support clients that want to operate as an agent of Nium. Naturally, there are factors we must consider for businesses seeking to move money under our license. Contact us for more information and to discuss your needs.

Global Workforce

Payroll at Scale

Enabling payroll providers to differentiate with real-time, cross-border capabilities.

Get Started Contact sales

Join 1000+ companies on the Nium payments infrastructure

Payroll

Winning in a Borderless World

Businesses are struggling with precision, efficiency, and deliverability when paying their global workforces. Nium allows you to offer flexible, game-changing global payroll with onboarding and processing that creates new opportunities and differentiation.

Nium works for all disbursement models, including Employer of Record (EOR), corporate payroll, and contract employees. It's ideal for global entities/subsidiaries, gig economy/outsourcing, creator economy, service marketplaces, royalties, translation, and education.

Supported currencies

Create and manage bank accounts in 20+ currencies with one API

USD

Direct Debit supported

EUR

Direct Debit supported

GBP

Direct Debit supported

SGD

AED

CAD

AUD

NZD

JPY

HKD

SEK

DKK

NOK

CHF

CNY

THB

TRY

PLN

HUF

ILS

MXN

ZAR

RON

CZK

PHP

Payroll that never sleeps

With access to 190+ markets, including real-time to 100 markets 24x7 - even on holidays

Create multi-currency accounts in minutes
Avoid the hassle of setting up and managing local bank accounts. Send, convert, hold and receive dozens of currencies to optimize treasury management.
Lock in rates and convert in bulk
Get live interbank exchange rate and lock them in for up to 24 hours. Convert to make payroll in bulk.
Send payroll with multiple payment options
Pay out to bank accounts, wallets, cards or even cash through local rails and international wires. For SWIFT payments, choose between a SHA or OUR transfer fee model for zero-deduction wires.

Nium - Your partner for mission-critical payroll

Your world-class partner for mission-critical payroll

Transparent fees, always
Get live, 24x7 rates to uncover hidden fees and markups and avoid being overcharged.
Ensure the most efficient transfers
Enjoy pinpoint accuracy in payment tracking and real-time updates on speed and progress with SWIFT UETR (Remote, Feel, Oyster, Multiplier) and our Payment Chronometer tool.
Eliminate payment error cycles
Nium’s intelligent payment routing and microdeposit pre-validation adds predictability, eliminates friction, reduces delays, minimizes returns and repairs.

Nium Improves onboarding flow while reducing complience risk

Improve onboarding workflow while reducing compliance risk

Faster onboarding via APIs
Verify businesses in real-time using eKYB and eKYC. Reduce time spent on admin and manual tasks.
Scalable in global markets
Leverage a single API standard process to onboard payees globally, speeding up time to market.
360° regulatory oversight
Comply with AML/CFT priorities and enhance security with liveliness checks, real-time transaction monitoring, and fraud detection.

Never miss funding a payroll cycle

Automate funding via bank transfers or direct debit
Easily and quickly fund or top-up a multi-currency wallet to support the payroll cycle at predefined thresholds
Seamless currency conversion
Nium multi-currency wallet can be used to disburse payments to local currencies
Reliable employee payout
Payroll lands in employees verified bank, wallet, or card accounts in their currency

Customer Stories

Hear From Our Customers

customer image Aspire - Fast Tracking Finance

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 at Aspire

Watch now →

customer image Multiplier - Streamlining International Payments

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

Watch now →

customer image Delivering Speed and Flexibility for Frente Corretora

The corridors are lightning fast. Euros are almost instant, which is always a happy surprise for the client. We say a maximum of two days, but it usually ends up being minutes. It’s a kind of magic which they love.

– Micael Martins, Head of Product, Frente Corretora

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General Inquiries

Frequently Asked Questions

Can I pay out to cards for my freelancers, creators, influencers, or other workers?

Yes! In some countries, we can support Payout to card using the Visa Direct network. Another option is to issue your own branded cards to those workers and then load funds onto those issued cards when a payment is warranted.
I’m looking for a payments partner, but I’m not sure if I’m an “online platform.” Can you tell me more about this term?
Many terms are being used to describe a wide range of businesses. We are using “online platforms” because it is generally accepted as a broad segment of businesses that operate digitally to connect customers. Examples include (but are not limited to):
- Spend management platforms (sometimes also referred to as expense management platforms)
- Supplier payment platforms (sometimes referred to as account payable/receivable platforms)
- Payroll platforms (either as part of a human resources (HR) service, human capital management (HCM) service), or a stand-alone payroll platform)
- Marketplaces
- Talent platforms (includes freelancer payments, gig worker payments, contractor payments, creator payments, influencer payments, and more).
Can you make payments to emerging markets such as India?

Yes! Using our API, you can pay out to markets all around the world. Explore our network for more details.
Can I share in the revenue for payments?

Yes! We have many customers that choose to partner with Nium for this exact reason. We can design a program that helps you meet your own business needs and those of your customers.
What products are available to SaaS and Online platforms?

Nium offers Payin, Payout, and Card Issuance aimed at helping you design the program that works best for your platform participants. These disbursements, collections, and issuing products support most platform businesses, including spend management, supplier payment platforms, payroll platforms, marketplaces, and talent and gig platforms (those that help connect freelancers, gig workers, creators, and influencers to jobs and monetization of their work).
Where do you offer real-time payments?

Nium offers real-time payments to 100+ markets across the globe. This includes markets such as the United Kingdom and Mexico, as well as emerging markets such as Malaysia, the Philippines, India, and more. For a full list, please see our network page.
Do I need a license to make payments with Nium?

No. Nium holds 11 licenses around the world and can support clients that want to operate as an agent of Nium. Naturally, there are factors we must consider for businesses seeking to move money under our license. Contact us for more information and to discuss your needs.

Premium content

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.

Read The Report