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).

Do I need a money transmitter license to work with Nium?

No! Depending on your needs and industry, Nium can help both licensed and unlicensed companies enable cross – border payments worldwide. To learn more about how Nium can support your business, please contact us.

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.

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.

Spend management platforms

Automate the
Expense &

Reimbursement
Lifecycle

Add real-time, global payments and virtual cards to deliver a borderless experience within your offering

Contact Sales Explore API

Join 1000+ companies on the Nium payments infrastructure

Spend management

Your clients can’t manage spend if
they don’t control payments

How effective is your spend management platform if your savings are eaten by the cost of legacy payment processing and reconciliation? Nium helps platforms serving finance teams to automate the full lifecycle of supplier and employee expenses globally and minimize the friction of cross-border payments.

From travel and expenses to paying invoices and subscriptions, Nium supports every use case to elevate your reimbursement capabilities.

Nium Spend Management - Fintech API Solutions

Bypass intermediary banks and save

Avoid intermediary bank fees
Save money on supplier payments and employee reimbursements when you bypass fees charged by intermediary banks through Nium's network.
Instantly open global wallet accounts
Nium global accounts enable platforms to let your customers store funds in every region they operate – eliminating optimizing time and costs associated with payments.
Money management at your fingertips
Fund local currency in 30 countries, easily navigate compliance complexity, and payout to 190 countries—100 support real-time payments.
Detailed, intelligent route optimization
Nium's Payment Chronometer uses machine learning and updated transaction data to optimize payment routes for speed and cost.

Explore our Network

FX transparency makes a dependable partner

Skip the opaque rates and surprise hidden fees
Nium quotes the real-time interbank rate. Guaranteed cost predictability with the most transparent FX rates around
Take advantage of currency fluctuations
Lock and hold rates for up to 24 hours and choose between converting funds in real-time using pre-funded balances or converting on a future scheduled date.
More coverage and currency pairs
Pay to 100+ currencies optimized through over 2,000 currency pairs including exotic ones

Explore our FX rates

Take control of the spend management lifecycle

Automate manual, low-level work
Relieve finance and accounting teams from invoice management, payouts and reconciliation
Mission-critical visibility
Get real-time payment and settlement data for expenses and more control over cash flow anywhere you operate.
Control and streamline purchasing
Nium’s card capabilities enable customers on your platform to fully digitize their supplier payments and employee expense reimbursements.

Onboard your clients and their payees with confidence

Get clients and their payees live in minutes
Create virtual accounts and collect documentation so clients can start remitting on your platform
Integrated eKYB/eKYC and other identity checks
Prescreen for compliance, fraud, and accurate payment data to reduce risk and exposure
Custom-fit card issuance
Create a virtual and physical card program connected to your expense policies and to your specifications

Never miss funding reimbursements

Automate funding via bank transfers or direct debit
Easily and quickly fund or top-up a multi-currency wallet to support the spend cycle at predefined thresholds
Seamless currency conversion
Nium multi-currency wallet can accept funds in multiple currencies and disburse payments to local currencies
Reliable vendor payouts
Reimbursements land in suppliers and providers verified bank, wallet, or card accounts in their currency

*Available in the US, UK, and EU and more markets upcoming Contact us to get started

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

Let's Meet!

No upcoming events

Events Calendar

All Resources

Nium’s Coding Interview Be Like...

Article · 3 days ago

Nium Partners with Jeonbuk Bank to Launch Global Remittance Service

News · 2 weeks ago

Season 2 Recap: What's Inspired Us This Year

Podcast · 2 weeks ago

Nium Cares Spotlight: BAT FOR A CHANCE

Article · 3 weeks ago

Voices of Nium with Aloysius Tan, Design Manager, Global Brand Experience at Nium

Article · 3 weeks ago

General Inquiries

Frequently Asked Questions

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).
Do I need a money transmitter license to work with Nium?

No! Depending on your needs and industry, Nium can help both licensed and unlicensed companies enable cross–border payments worldwide. To learn more about how Nium can support your business, please contact us.
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.
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.

Premium content

Fearless FX: Currency Exchange to Drive Global Growth

As you build your global business, FX strategies may have been low on your list of priorities. Many organizations relegate FX as a default from their banks. But even a few percentage points can make the difference as you fund subsidaries and global operations.

Read The Report