Manage, Control and Optimize Spending on a Global Scale
Automate global expense and reimbursement processes with real-time payments and virtual cards for a seamless, borderless experience.
Spend management
Efficient Spend Management
for a Connected World
With business now global by default, spend management is becoming increasingly complex and time-consuming, with travel, cross-border suppliers and employees anywhere.
Nium helps businesses and spend management platforms eliminate inefficiencies and reduce costs through real-time global payments, multi-currency wallets and card solutions. With enhanced visibility and control over expenses, including predictable costs and streamlined operations, businesses can confidently control spending at scale.
Streamlined Global Payments and Expense Management
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Eliminate intermediary bank fees
Say goodbye to fees charged by intermediary banks with access to real-time global payment rails.
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Open global wallet accounts instantly
Empower your customers to store and deploy funds in every region they operate in for global operations, efficient payment timelines and reconciliation.
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Optimize money management
Fund local currency accounts in 30 countries, navigate compliance complexity, and payout to 190+ countries, including 100 with real-time payments.
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Route payments for acceptance and value
Optimize payment routes for speed and cost, with end-to-end visibility through Nium’s Payment Chronometer, powered by machine learning and updated transaction data.
Full FX Control
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Control rates and fees at source
Access real-time interbank rates for guaranteed cost predictability, with full visibility over fees and markups.
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Lock and hold rates
Lock FX rates for up to 24 hours and choose to convert funds in real time using pre-funded balances or on a future scheduled date.
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Expand coverage and currency pairs
Manage payments in 100+ currencies optimized through over 2,000 currency pairs, including emerging market currencies.
End-to-End Spend Life Cycle Control
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Automate manual expense management
Save time for finance and accounting teams with automated workflows for invoice management, payouts, and reconciliation.
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Drill down on essential detail
Control cash flow and expenses with real-time payment and settlement insights, driving data-driven decision-making and financial visibility.
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Streamline purchasing and reconciliation
Enable customers to digitize their expenses through virtual cards that improve on-time payments and automate reconciliation.
Built for Global Spending
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Get to market faster
Accelerate the onboarding process and reduce time to market with virtual accounts and digital documentation, enabling clients to start remitting on your platform within minutes.
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Integrate compliance and risk management
Implement robust eKYB and eKYC prescreening processes for compliance, fraud prevention, and accurate payment data verification to minimise risk and exposure while ensuring regulatory compliance.
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Customize card issuance
Develop tailored virtual and physical card programs that align with your expense policies and specifications. Offer specific limits, rules, and merchant categories for enhanced control and flexibility.
Reliable Reimbursements
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Pre-fund wallets on your terms
Ensure your multi-currency wallets are always adequately funded with automated bank transfers or direct debits, set to predefined funding thresholds.
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Convert currency seamlessly
Accept and disburse funds in multiple currencies, minimizing conversion hassles and FX costs through the Nium wallet.
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Ensure reliable vendor and supplier payouts
Guarantee reimbursements for suppliers and providers in their verified bank, wallet, or card accounts, in their local currency through compliant local rails.
Join 1000+ companies on the Nium payments infrastructure
Our Platforms & Enterprises customers include:
Premium content
Intelligent and Scalable Payments for Spend Management Platforms
Everything you need to move money globally
Send, receive, and convert funds worldwide from a single platform built to scale.
Multi-currency accounts
Simplify global funding and manage cross-border money movements without friction.
Explore accounts →
Global payouts
Deliver funds to bank accounts, cards, or wallets across 190+ countries, in real-time, from a single platform.
Explore payouts →
Stablecoin-backed cards
New!Stablecoin card issuance platform gives any business a simple, compliant way to launch global card programs.
Issue stablecoin-backed cards →
Nium Verify
Verify bank accounts instantly across 50+ countries. Reduce failed payments and manual checks with built-in account validation.
Explore account verification →
Built for your business model
Whether you’re a bank, platform, marketplace, or payroll provider, Nium helps you scale, expand globally, and deliver seamless payment experiences.
Hear how businesses scale with Nium
This partnership with Nium is an important milestone...it means we can now deliver even more value to our customers, helping them navigate the complexities of spend management effortlessly.
– Daniel Kniaz, CEO, Weel
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
After shifting to Nium, their Visa cards have been accepted at major merchants and have been well received by clients. The Nium team has been helpful in solving certain issues for us.
– Rajith Shaji, Founder, Volopay
Resources
Ready To Accelerate Your Global Business Growth?
Connect with our experts to explore use cases based on your industry, discuss customized pricing, and answer any questions you have.