Global Payments Infrastructure
NIUM
Move money across 190+ markets · Real-Time · Borderless
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Global Rails.
Real-Time.

The world's leading real-time payments infrastructure. Move money across 190+ markets instantly.

THE NIUM NETWORK

Infrastructure that gets stronger every day.

Every payment that flows through Nium sharpens our routing intelligence, deepens our corridor coverage, and improves FX rates — you get better without doing a thing.

5B+

payment volume processed every month

↑ Growing 40% YoY

190+

countries where funds can be sent today

↑ 12 new corridors this year

3.5M+

cards issued through the network monthly

↑ Up 65% in 12 months
🔌

One API, every capability

Cards, payouts, accounts, FX, verification — same auth, same webhooks, same dashboard. No vendor sprawl.

⚡

Real-time, not next-day

100+ instant payment rails. Your recipients get funds in seconds whether they're in Singapore, São Paulo, or Nairobi.

🌍

Local everywhere

Real local account numbers, local payment schemes, local compliance. You look like a local bank in 190+ countries.

📋

One contract, full coverage

No per‑corridor negotiations, no card‑scheme licensing, no correspondent banking. We handle the complexity.

Real-Time FX Dashboard

Live rates — updating every 3s

The Full Stack

The full payments stack.
Available as a single API

Six modular products — use one or all.
Same auth, same webhooks, same dashboard.

01 / 06
Card Issuance
Your card program,
live in days.
Physical and virtual cards across Visa, Mastercard, and more. Spend controls, multi‑currency, real‑time transaction data — all via API.
⚡ No card‑scheme licensing required
Explore Card Issuance →
aspire
•••• •••• •••• 3812
Sarah Chen
weel
•••• •••• •••• 5571
Marcus Webb
VISA · DISCOVER · UATP
Global Payouts
Your recipients get paid.
In seconds, not days.
190+ countries, 100+ real‑time rails. Auto‑routes to the fastest available path.
⚡ No per‑corridor partner contracts
Explore Payouts →
🇧🇷 São Paulo · PIX · BRLR$44,000 Sending
🇸🇬 Singapore · FAST · SGDS$12,400 Settled
🇬🇧 London · Faster Payments£8,100 Settled
🇫🇷 Paris · SEPA Instant€9,700 Sending
🇦🇪 Dubai · UAEFTSAED 28,000 Settled
🇳🇬 Lagos · NIP₦12,400,000 Queued
Global Accounts
Collect in any currency,
like a local.
Give customers real local account details — IBANs, sort codes, routing numbers — in 20+ currencies.
⚡ No correspondent bank required
Explore Global Accounts →
IBAN
DE89 3704 0044 0532 0130 00
BIC COBADEFFXXXBalance €48,220.00
Real local banking in 20+ currencies
Stablecoin
Bridge on‑chain funds
to global rails.
Accept USDC from any wallet, auto‑convert to fiat, and pay out locally — without custom bridge engineering.
⚡ No custom bridge engineering
Explore Stablecoin →
Receive  USDC → $50,000
Convert   → ✓ Done
Payout    → €46,820
Settlement in < 60 seconds · 190+ countries
Account Verification
Stop failed payments
before they happen.
Confirm any bank account is real, active, and name‑matched before sending a cent.
⚡ Avg response time: 180ms
Explore Verification →
01  Account submitted → Santander UK
02  Verifying with bank
03  Result returned ✓
Name match · Active status · Real account
Global FX
Keep more margin
on every conversion.
Real‑time rates on 100+ currency pairs with transparent spreads and no hidden markups.
⚡ 100+ pairs · Transparent spreads
Explore Global FX →
USD / EUR0.9218 ▲ 0.12%
USD / GBP0.7854 ▼ 0.04%
USD / JPY149.02 ▼ 0.06%
USD / SGD1.3412 ▲ 0.08%
GBP / JPY191.04 ▲ 0.10%
Cards
Payouts
Accounts
Stablecoin
Verification
Global FX

Built for companies
moving money at scale.

From global airlines to next-gen payroll platforms — Nium powers the payment infrastructure behind the world's most ambitious companies.

Customer Stories

Trusted by Global Fintech Leaders

Fintech innovators, banks and platforms rely on Nium to power cross-border payments, card issuing and global financial products.

Developers

The Most Powerful APIs for Faster Integration

Go from idea to implementation quickly and easily with our robust, powerful and flexible APIs. Our rich API documentation, sample data, and code snippets provide developers with powerful tools and elegant APIs to launch your next innovation with ease.

Build faster with secure global payment infrastructure and developer‑first tools.

Start Building Read Documentation
⚡ REST APIs 🔐 Secure Auth 🌍 Global Payments 📦 SDK Libraries
Node.js Python Java Go PHP
Fund Wallet
Money Transfer
Issue Card
curl --request POST \
--url https://gateway.nium.com/n1/api/v1/client/id/wallet/{walletHash}/fund \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '{
  "amount": 500,
  "destinationCurrencyCode": "SGD",
  "fundingChannel": "BANK_TRANSFER",
  "fundingInstrumentId": "<hash-id>",
  "sourceCurrencyCode": "SGD"
}'
Enterprise Sales

Ready to scale globally?
Let's talk.

Our enterprise team will architect your payment solution, handle compliance across every market, and get you live in days — not months.

Schedule a Call View Case Studies
No commitment required Full API sandbox Enterprise SLA guaranteed