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Nium for Platforms
Singapore and San Francisco
What it is
Nium for Platforms lets business platforms embed payouts, multi-currency accounts, cards, and foreign exchange through one API. It serves spend management, payroll, treasury, marketplaces, gig-economy services, SaaS, and B2B embedded-finance platforms. Nium says it processes $84B annually across 190+ countries and supports same-day payouts to 190+ countries in more than 100 local currencies through fiat and stablecoin rails. Platforms can offer branded local accounts, hold and convert balances in over 100 currencies, and send funds globally. Card programs support branded physical and virtual cards funded by fiat or stablecoins, with limits, merchant controls, permissions, and live spend tracking. Developer resources include APIs, SDKs, integration guides, an OpenAPI specification, a Postman collection, and a production-like sandbox. A web portal supports card workflows, reporting, and sandbox access. The service also includes reconciliation, signed HMAC-SHA256 webhooks, localized onboarding, KYC/KYB, monitoring, and fraud controls. Pricing is available on request.
For and against
For
- Payouts reach 190+ countries
- Supports 100+ local currencies
- Offers branded physical and virtual cards
- Includes APIs, SDKs, and sandbox tools
- Provides reconciliation and reporting
Against
- Pricing is available only on request
- Implementation timelines depend on use case and scope
- Compliance requirements vary by market
- Fees use a separate Fee Schedule
The verdict
Nium for Platforms brings payouts, accounts, cards, FX, and operational tools under one API. Its broad payout reach and developer resources suit businesses building embedded financial services, while implementation and pricing require a tailored discussion.
Who it suits
Nium for Platforms suits businesses embedding payments or financial services into software products. It is aimed at platforms in payroll, marketplaces, SaaS, treasury, spend management, and related sectors.
Plans and prices
Nium for Platforms
Read 4 Oct 2026 · nium.com
On the record
- Accounts and FX
- Platforms can offer multi-currency accounts to hold and convert funds, alongside FX services.nium.com · read 4 Oct 2026
- Availability and timing
- Nium says implementation timelines depend on the use case, markets, compliance requirements, integration scope, and capabilities required.nium.com · read 4 Oct 2026
- Card issuing
- Nium supports branded physical and virtual cards funded by fiat or stablecoins, with limits, merchant controls, permissions, and live spend tracking.nium.com · read 4 Oct 2026
- Compliance
- Nium says its embedded payments include localized onboarding, identity verification, and KYB/KYC, with monitoring and fraud controls.nium.com · read 4 Oct 2026
- Developer tools
- Nium provides APIs, SDKs, integration guides, an OpenAPI specification, a Postman collection, and a production-like sandbox.nium.com · read 4 Oct 2026
- Global reach
- The platform page says Nium processes $84B in 190+ countries every year.nium.com · read 4 Oct 2026
- Integrations and partners
- Nium lists Visa and Mastercard as card network partners, Thredd and Fiserv for card issuance, and SWIFT and RippleNet for payment connectivity and settlement.nium.com · read 4 Oct 2026
- Licensing
- Nium's licensing page states that its footprint spans 40+ licenses, authorizations, and registrations across key markets.nium.com · read 4 Oct 2026
- Multi-currency accounts
- Nium offers local accounts, balances in 100+ currencies, currency conversion, and payouts to 190+ countries under a customer's brand.nium.com · read 4 Oct 2026
- Operations
- Nium says its unified platform provides payment data, reconciliation, and reporting.nium.com · read 4 Oct 2026
- Payout reach
- Nium says its platform can send payouts to 190+ countries and in 100+ currencies.nium.com · read 4 Oct 2026
- Payouts
- Nium offers real-time payouts to 190+ countries in 100+ local currencies over fiat and stablecoin rails.nium.com · read 4 Oct 2026
- Pricing
- The platform page directs interested businesses to talk to Nium and does not state a price.nium.com · read 4 Oct 2026
- Security and certifications
- Nium says it is audited annually against SOC 2 Type II, PCI DSS Level 1, ISO 27001, and ISO 22301.nium.com · read 4 Oct 2026
- Security and standards
- Nium's developer documentation displays badges for PCI DSS, ISO 27001, SOC 2 Type 2, and SOC 1 Type 2 compliance, among other privacy standards.docs.nium.com · read 4 Oct 2026
- Support
- Nium says integration support includes a dedicated solutions engineer, a private Slack channel, and 24/7 on-call support during the launch window.nium.com · read 4 Oct 2026
- Webhooks
- Nium says payment state transitions emit signed webhooks verified with HMAC-SHA256.nium.com · read 4 Oct 2026
- Web portal
- Nium says customers can use its web portal to manage card workflows, access reporting, and start building with Sandbox.nium.com · read 4 Oct 2026
