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Nium Physical and Virtual Cards
Singapore and San Francisco
What it is
Nium Physical and Virtual Cards is a business card-issuing service for physical, virtual, and digital cards funded by fiat or stablecoins. Programs can set spending limits, permissions, merchant controls, and rules for channels, geographies, merchant categories, and transaction types. Cards may connect to consumer or corporate wallets, with funds loaded, held, and spent in real time. Teams manage activity and statements through APIs or Nium’s web portal. Supported schemes include Visa, Mastercard, and Discover, depending on market and program setup. Listed controls and safeguards include 3DS, tokenization, lifecycle controls, fraud-risk tools, and chargeback support for eligible disputes. Nium describes uses in corporate spending and procurement, payouts and disbursements, and travel or hotel payments. Developers receive APIs, SDKs, guides, a production-like sandbox, OpenAPI documentation, and a Postman collection. The service can connect cards with Nium wallets, balances, FX, and payouts. Pricing and program terms are available on request. Documentation limits customers to 1,000 active or locked cards, with lower program limits possible.
For and against
For
- Supports physical, virtual, and digital cards
- Offers detailed spending and merchant controls
- Real-time wallet funding and spending
- Includes APIs and production-like sandbox
- Supports Visa, Mastercard, and Discover
Against
- Pricing and terms require contacting Nium
- Issuance is limited to approved countries
- Physical cards cannot ship across borders
- Maximum is 1,000 active or locked cards
The verdict
Nium provides configurable card issuing with wallet connectivity, real-time funding, controls, and developer tooling. Geographic approval requirements, cross-border shipping restrictions, and card-count limits should shape program planning.
Who it suits
This service suits businesses creating managed card programs for corporate spending, procurement, payouts, travel, or hotel payments. It is intended for teams needing API and web-based card administration.
Plans and prices
Custom card program
Pricing and program terms are not listed; contact Nium
Read 3 Oct 2026 · nium.com
On the record
- API and developer tools
- Nium provides APIs, SDKs, guides, a production-like sandbox, an OpenAPI specification, and a Postman collection for developers.nium.com · read 3 Oct 2026
- Card controls
- Programs can use spending limits, merchant controls, permissions, and rules for channels, geographies, merchant categories, and transaction types.nium.com · read 3 Oct 2026
- Card networks
- Supported card schemes include Visa, Mastercard, and Discover, depending on market and program setup.nium.com · read 3 Oct 2026
- Company
- Nium says it was founded in 2014 and is co-headquartered in Singapore and San Francisco.nium.com · read 3 Oct 2026
- Compliance support
- Nium says it supports card program compliance with onboarding, KYC workflows, transaction monitoring, fraud risk management, and dispute management.nium.com · read 3 Oct 2026
- Funding and management
- Cards can connect to consumer or corporate wallets, with funds loaded, held, and spent in real time; card activity and statements can be managed through APIs or the Nium web portal.nium.com · read 3 Oct 2026
- Geographic limit
- Nium’s card documentation says issuance is limited to approved countries and physical cards cannot be shipped to cross-border markets.docs.nium.com · read 3 Oct 2026
- Integrations
- The product page says card issuing can connect with Nium wallets, balances, FX, and payouts in one experience.nium.com · read 3 Oct 2026
- Issuance limit
- Nium’s card documentation states a maximum of 1,000 active or locked virtual or physical cards per customer, with lower program limits possible.docs.nium.com · read 3 Oct 2026
- Security and risk
- The product page lists 3DS, tokenization, lifecycle controls, fraud-risk tools, and chargeback support for eligible disputes.nium.com · read 3 Oct 2026
- Support
- Nium describes expert support for program design, onboarding, launch, and ongoing management.nium.com · read 3 Oct 2026
- Use cases
- Nium describes card programs for corporate spend and procurement, payouts and disbursements, and travel and hotel payments.nium.com · read 3 Oct 2026
- What it does
- Nium offers businesses physical, virtual, and digital card issuing funded by fiat or stablecoins.nium.com · read 3 Oct 2026
