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Scott Dunn selects Nium to improve hotel cash flow management with virtual card
payments Read more→

 * Platform
   Interfaces
   Products
   Nium Portal
   New!
   Manage multiple payment applications from one dashboard
   
   API
   Go from idea to implementation quickly using bank-grade APIs
   Global Payouts
   Send payouts to 190+ markets
   
   Global Card Issuance
   Issue physical and virtual cards for real-time payments
   
   Global Accounts
   Open global accounts and fund in local currency
   
   Global FX
   New!
   Access transparent FX rates and avoid hidden markups

 * Solutions
   Solutions
    * Financial Institutions
      Banks, fintech, and money service providers
    * Travel
      B2B Travel payments for OTAs, airlines and hotels
    * Payroll
      Payments for global payroll providers
    * Spend Management
      Corporate purchasing & expense management platforms
   
   Network
   
   Network
   Global Network
   
   Global Licenses
   License coverage around the world
 * Resources
   Resources
    * Resources Center
      Explore latest Nium resources & research
    * FX Tool
      New!
      Compare a given rate with our transparent FX rates
    * Newsroom
      Latest announcements
    * Events
      Meet Nium @ Money20/20 Asia 2024
   
   News
   
   News 1 week ago
   Scott Dunn selects Nium to improve hotel cash flow management with virtual
   card payments
 * Company
   Company
    * About Nium
      Learn about who we are
    * Careers
      Apply to one of our open roles
    * Sponsorship
      Discover more about our partnership with the ICC
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      Read more about our latest news
    * Nium Cares
      Explore our initiatives
    * Events
      Talk to Nium experts at an industry event

 * Developers
   Developers
    * Payments Platform Docs
      Send money on-demand to 190+ countries, 100+ in real time
    * Travel Platform Docs
      Optimize payments to online travel agencies, airlines and hotels
    * Start Building
      Go from idea to implementation quickly using bank-grade APIs

Contact Us Locations
Get Started
 * Platform
   
   
   INTERFACES
   
    * 
      Nium Portal
      New!
      Manage multiple payment applications from one dashboard
    * 
      API
      Go from idea to implementation quickly using bank-grade APIs
   
   PRODUCTS
   
    * 
      Global Payouts
      Send payouts to 190+ markets
    * 
      Global Card Issuance
      Issue physical and virtual cards for real-time payments
    * 
      Global Accounts
      Open global accounts and fund in local currency
    * 
      Global FX
      New!
      Access transparent FX rates and avoid hidden markups

 * Solutions
   
   * 
     Financial Institutions
     Banks, fintech, and money service providers
   * 
     Travel
     B2B Travel payments for OTAs, airlines and hotels
   * 
     Payroll
     Payments for global payroll providers
   * 
     Spend Management
     Corporate purchasing & expense management platforms
 * Resources
   
   * 
     Resources Center
     Explore latest Nium resources & research
   * 
     FX Tool
     New!
     Compare a given rate with our transparent FX rates
   * 
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     Latest announcements
   * 
     Events
     Meet Nium @ Money20/20 Asia 2024
 * Company
   
   * 
     About Nium
     Learn about who we are
   * 
     Careers
     Apply to one of our open roles
   * 
     Sponsorship
     Discover more about our partnership with the ICC
   * 
     Newsroom
     Read more about our latest news
   * 
     Nium Cares
     Explore our initiatives
   * 
     Events
     Talk to Nium experts at an industry event
 * Developers
   
   * 
     Payments Platform Docs
     Send money on-demand to 190+ countries, 100+ in real time
   * 
     Travel Platform Docs
     Optimize payments to online travel agencies, airlines and hotels
   * 
     Start Building
     Go from idea to implementation quickly using bank-grade APIs

Get Started Contact Us


CONNECTING
THE WORLD TO
REAL-TIME
GLOBAL PAYMENTS

Accelerate business growth on the world's leading real-time payments
infrastructure. Collect, convert, and disburse funds around the world instantly
to accounts, cards, and wallets.

Get Started Explore API




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.

Global Payouts
Send payouts to 190+ markets with real-time payments infrastructure for
on-demand business.
Explore Payouts
Global Accounts
Simplify funding, collection, conversion, and disbursements to drive borderless
growth for multiple currencies.
Explore Accounts
Global Card Issuance
Launch physical and virtual card strategies quickly and easily with
authorization models that work for you.
Explore Issue Cards
Global FX
Avoid the high-cost intermediaries and get transparency and control to move
money anywhere in real time.
Explore FX

OUR SOLUTIONS


THE MODERN WAY GLOBAL BUSINESSES PAY AND GET PAID

Financial Institutions

Move money across borders for banks, fintechs, and money service businesses.

Explore Industry →

Global Payroll

Scale effortlessly with competitive FX, real-time payments, and direct debit
options.

Explore Industry →

Spend Management

Take control of corporate purchasing and simplify supplier payments.

Explore Industry →

Travel

Maximize efficiency and profitability by optimizing travel payments with
flexible funding methods.

Explore Industry →


THE MOST POWERFUL APIS FOR GLOBAL MONEY MOVEMENT

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.

Start Building

The Nium API

Fund Wallet Money Transfer Issue Card

FUND WALLET

Request
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5
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7
8
9
10
11

curl --request POST \
--url
https://gateway.nium.com/n1/api/v1/client/id/wallet/d45193cc-4d3c-421a-ada4-63f4dfcb663d/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"
}
'

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2
3
4
5
6
7
8
9
10
11

curl --request POST \
--url
https://gateway.nium.com/n1/api/v1/client/api-key/customer/6380ca89-16c8-4d2a-826f-265bb954c39d/wallet/34078ed1-38f7-4ce4-825e-266e85ac1ba1/remittance
\
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '
{
"beneficiary": {
"id": "64665bf275b2012eca1ca0d5"
}
"deviceDetails": {
"countryIP": "66.249.74.64"
"deviceInfo": "macOS"
"ipAddress": "45.48.241.198"
"sessionId": "40531ac01a6f11edafc28dba55d51275"
}
"payout": {
"swiftFeeType": "SHA"
"audit_id": 112
"destination_amount": 0
"serviceTime": "2022-11-29"
"source_amount": 100
"source_currency": "INR"
"tradeOrderID": "TR012345"
}
"sourceOfFunds": ""Business Owner/Shareholder"
"authenticationCode": "string"
"customerComments": " "Transfer to family"
"exemptionCode": " "01 - Trusted Beneficiary"
"purposeCode": " "IR01802"
}
'

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curl --request POST \
--url
https://gateway.nium.com/n1/api/v2/client/clientHashId/customer/customerHashId/wallet/walletHashId/card
\
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'x-api-key: your-api-key' \
--data '
{
"Select one of the following card type": {
"cardType": "PHY"
}
"cardProductId": 100
"cardType": "VIR"
"cardExpiry": "1126"
"nameOnCard": " "John Doe"
"additionalLine": "John Doe"
"issuanceMode": "NORMAL_DELIVERY_LOCAL"
"plasticId": "100100"
"corporateId": "123456"
}
'

Go to example
Simplicity
99% Uptime


REAL-TIME MONEY MOVEMENT, MADE POSSIBLE

Move money around the world — from APAC to LATAM, from EMEA to North America,
from capital cities to emerging markets. Our direct bank relationships enable
nearly all transactions on the Nium network to be settled in real-time.

GLOBAL NETWORK GLOBAL BUSINESS.

 * 190+ Payout countries and territories
 * 100+ Real-time markets
 * Regulated in 35+ markets

Explore Our Licenses
Customer Stories

Hear From Our Customers



"WE CURRENTLY LIVE IN A BORDERLESS WORLD WITH A STRONG SENSE OF URGENCY WHERE WE
SEE CUSTOMERS FOCUSED ON THREE PILLARS, RELIABILITY, STATE OF THE ART
TECHNOLOGY, AND MOST IMPORTANTLY, REAL TIME PAYMENTS AND INSTANT PAYMENTS."

- Mauro Neto, New product development, Treviso

Watch now →

NIUM’S SOLUTION HAS HELPED KBANK GROW AND GIVE A BETTER SERVICE TO OUR
CUSTOMERS. NIUM’S SOLUTION IMPROVES EVERY YEAR, AND WE ARE LOOKING FORWARD TO
EXPANDING TO MORE CORRIDORS IN THE FUTURE.

– Tawan Thammanichanon, Head of International Trade Product Management at KBank

Watch now →

“WE CHOSE NIUM FOR ITS ADVANCED TECHNOLOGY AND BROAD PAYOUTS REACH IN 190+
COUNTRIES AROUND THE WORLD INCLUDING SOME OF THE MOST MATURE ECONOMIES SUCH AS
CHINA, HONG KONG, THE U.S. AND THE U.K. THAT, COMBINED WITH THE REAL-TIME SPEED
OF THEIR PAYMENTS AT CONSIDERABLY LOWER TRANSACTION COSTS COMPARED TO OLDER
GLOBAL PAYMENT RAILS LIKE SWIFT, AND THE COMPANY’S BROAD MARKET KNOWLEDGE IN
EMERGING AND ESTABLISHED MARKETS, MAKES IT AN IDEAL PARTNER TO HANDLE PAYOUTS
ABROAD FROM BRAZIL TO THE REST OF THE WORLD.”

– Rodrigo Xavier, CEO of OZ Câmbio

Watch now →

"WE CURRENTLY LIVE IN A BORDERLESS WORLD WITH A STRONG SENSE OF URGENCY WHERE WE
SEE CUSTOMERS FOCUSED ON THREE PILLARS, RELIABILITY, STATE OF THE ART
TECHNOLOGY, AND MOST IMPORTANTLY, REAL TIME PAYMENTS AND INSTANT PAYMENTS."

- Mauro Neto, New product development, Treviso

Watch now →

NIUM’S SOLUTION HAS HELPED KBANK GROW AND GIVE A BETTER SERVICE TO OUR
CUSTOMERS. NIUM’S SOLUTION IMPROVES EVERY YEAR, AND WE ARE LOOKING FORWARD TO
EXPANDING TO MORE CORRIDORS IN THE FUTURE.

– Tawan Thammanichanon, Head of International Trade Product Management at KBank

Watch now →

“WE CHOSE NIUM FOR ITS ADVANCED TECHNOLOGY AND BROAD PAYOUTS REACH IN 190+
COUNTRIES AROUND THE WORLD INCLUDING SOME OF THE MOST MATURE ECONOMIES SUCH AS
CHINA, HONG KONG, THE U.S. AND THE U.K. THAT, COMBINED WITH THE REAL-TIME SPEED
OF THEIR PAYMENTS AT CONSIDERABLY LOWER TRANSACTION COSTS COMPARED TO OLDER
GLOBAL PAYMENT RAILS LIKE SWIFT, AND THE COMPANY’S BROAD MARKET KNOWLEDGE IN
EMERGING AND ESTABLISHED MARKETS, MAKES IT AN IDEAL PARTNER TO HANDLE PAYOUTS
ABROAD FROM BRAZIL TO THE REST OF THE WORLD.”

– Rodrigo Xavier, CEO of OZ Câmbio

Watch now →

"WE CURRENTLY LIVE IN A BORDERLESS WORLD WITH A STRONG SENSE OF URGENCY WHERE WE
SEE CUSTOMERS FOCUSED ON THREE PILLARS, RELIABILITY, STATE OF THE ART
TECHNOLOGY, AND MOST IMPORTANTLY, REAL TIME PAYMENTS AND INSTANT PAYMENTS."

- Mauro Neto, New product development, Treviso

Watch now →


RESOURCES

InsightsEvents


LET'S MEET!

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READ MORE

All Resources

SCOTT DUNN SELECTS NIUM TO IMPROVE HOTEL CASH FLOW MANAGEMENT WITH VIRTUAL CARD
PAYMENTS

News
Read

AUSTRALIA'S LEADING SPEND MANAGEMENT PLATFORM WEEL PARTNERS WITH NIUM AND VISA
TO ACCELERATE GLOBAL GROWTH AND CUSTOMER OFFERING

News
Read

SOLVING GLOBAL PAYROLL CHALLENGES WITH REAL-TIME PAYMENTS

Article
Read

SECRET ESCAPES CHOOSES NIUM TO ENHANCE PAYMENT EXPERIENCE FOR HOTELS

News
Read

NIUM BECOMES FIRST GLOBAL FINTECH TO SECURE COVETED TYPE 1 FUNDS TRANSFER
LICENSE FROM JAPAN’S FINANCIAL SERVICE AGENCY

News
Read

Frequently Asked Questions




THE LEADER IN REAL-TIME GLOBAL PAYMENTS

Accelerate global business growth with Nium’s payment infrastructure allowing
you to collect, convert, and disburse funds instantly to accounts, cards, and
wallets around the world.


COMPANY

 * About Us
 * Resources
 * Newsroom
 * Careers
 * Contact Us


PLATFORM

 * Global Payouts
 * Global Accounts
 * Global Card Issuance
 * Global FX
 * Nium Portal
 * Network


SOLUTIONS

 * Spend Management
 * Financial Institutions
 * Payroll
 * Travel


DEVELOPERS

 * Documentation
 * Payout API
 * Payin API
 * Issue Cards API

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