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.
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.
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
Take control of the spend management lifecycle
Automate manual, low-level work
Relieve finance and accounting teams from invoice management, payouts and reconciliation
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
Hear From Our Customers
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 AspireWatch now →
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 CorretoraRead more →
The Global Infrastructure For Real-Time Payments
Nium moves money, manages foreign exchange, and mitigates fraud so your business can send and receive funds in real-time.
Talk with our representatives to get onboard
Contact Nium's experts to build innovations, get unparalleled technical and account support and get customized pricing and packages.