Why the world's leading businesses choose Nium for cross-border payments.
Nium’s cross-border payment platform connects businesses to 190+ countries across every major payment rail — moving money at the speed your business demands, with the certainty your customers expect.
Built for businesses that demand speed, global reach, and reliability.
Nium provides global payment solutions for every financial industry.
Banks and financial institutions
Reach global markets through one secure platform, sending cross-border payments via local rails, currencies, and regulated networks worldwide.
Fintechs and payment processors
Scale securely with licensed money transmitter access across multiple jurisdictions, supporting compliance, faster settlement, and global expansion needs.
Enterprises and B2B payments
Simplify corporate disbursements, vendor payments, and payroll with transparent FX, real-time processing, and greater visibility across markets.
With Nium’s partnership, Mashreq now offers the widest network of instant/same-day account credits from the UAE.”
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Additional industry-specific solutions tailored by Nium.
We can now deliver even more value to our customers, helping them navigate the complexities of spend management effortlessly.”
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Travel & hospitality
Issue instant refunds and supplier payments using virtual cards, improving customer satisfaction, and simplifying global expense flows.
Ecommerce & marketplaces
Track cross-border flows in real time with risk alerts, transparent settlement, and automated reconciliation across multiple regions.
Content creators & digital platforms
Deliver fast, secure payouts to creators, affiliates, and players worldwide, reducing delays and strengthening platform loyalty.
How cross-border payments work with Nium.
Collect funds locally
Receive or collect money in your local currency through supported channels such as bank transfers or local payment rails, making it easier to manage incoming funds.
Convert currency with transparent FX
Apply competitive, upfront exchange rates with no hidden markups, giving you full visibility on costs and ensuring predictable conversion for every transaction.
Send funds to bank accounts, cards, or wallets
Send payments directly to your recipient's preferred channel, whether a bank account, card, or digital wallet, using local rails for faster and more reliable settlement.
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Partnering with Nium to integrate these four restricted Asian currencies has saved us a lot of time and effort expanding our network of currencies."
BUILD & MOVE
Connect and send your way.
Use the interface your team prefers. Move money across the most optimal rails.
Send your way
Via Nium Network
Instant payments.
Built for FIs + enterprises.
Send payouts using Nium’s network, purpose built for enterprise-grade and institutional money movement. Settle 80%+ of payments in real time with access to 100+ instant payout corridors.
Via Swift
Swift access.
No complexity required.
Connect to SWIFT rails without the heavy integration. Initiate, track, and reconcile cross-border payments in real time with the transparency and speed your customers expect.
Via Stablecoin
Stablecoin payouts. Direct to you wallet.
Move stablecoin across borders without converting to fiat first. Initiate, track, and settle payments in real time — on the rails built for how money is moving next.
Connect your way
Via API
Build once. Move money everywhere.
Nium’s API connects currencies, rails, and onchain networks—with the documentation, sample data, and code snippets to get your team to market fast.
Via SDK
Pre-built + configurable. End-to-end.
A single dashboard giving your team complete visibility into every payment, every customer, and every transaction — with the controls to act on what you see.
Via Portal
Full visibility.
One dashboard.
The dashboard gives you the flexibility to send payments, view balances, and get status updates in real-time – giving you insights to act on what you see.
From integration to live in days.
Enterprise-grade APIs, clear documentation, and dedicated support ensure you need to integrate once and scale globally without rebuilding.
ADJACENT SOLUTIONS
The money movement stack to scale your business globally.
CONTACT US
Let money move.
Talk to our team about how Nium can help you collect, covert, send, and spend with faster, more transparent payments worldwide.
FAQs
Answers you didn’t know you needed.
How does Nium compare to traditional wire transfers for cross-border payments?
Traditional wire transfers are slow, expensive, and opaque — often taking 2–5 days, passing through multiple correspondent banks, and arriving with fees deducted along the way. Nium routes payments directly across its own global network, reaching 190+ countries with real-time settlement available in many key markets. Fewer intermediaries means lower cost, faster arrival, and full visibility at every step.
How many countries does Nium support cross-border payouts?
Nium supports payouts to 190+ countries, with real-time settlement available across a significant number of those markets. You can explore the full country-by-country breakdown, including available payment rails and methods, in the Nium Atlas reference guide.
What percentage of Nium's payments settle in real time?
Nium settles 80%+ of payments in real time, with access to 100+ instant payout corridors globally. The exact percentage varies by corridor and payment rail. Markets with direct local rail access tend to see the highest real-time settlement rates, while corridors still reliant on correspondent banking settle somewhat slower.
How does Nium handle FX transparency and hidden fees?
Nium shows you the rate before you move. No hidden markups, no fees deducted mid-transfer. FX rates are competitive and visible upfront, and locked rates are available across 30+ currencies. What you see is what your recipient gets.
Does Nium support Swift connectivity?
Yes. Businesses can connect to Nium via Swift without a complex integration. Once connected, you can initiate, track, and reconcile cross-border payments in real time with faster settlement and full transparency across every transfer.
How does Nium's account verification reduce failed cross-border payments?
Nium Verify validates bank accounts instantly across 50+ countries before a payment is sent. That means fewer failed transfers, less manual reconciliation, and no funds stuck in limbo. For high-volume B2B cross-border payments, it's a material reduction in operational overhead.
What licenses and regulatory approvals does Nium hold?
Nium holds regulatory licenses and approvals across multiple jurisdictions globally, covering payments, money transmission, and electronic money. The full list is available at nium.com/licenses.
How much can businesses save on cross-border payments by switching to Nium?
It depends on your current setup: volume, corridors, and how many intermediaries sit in your payment chain. Businesses that move high volumes internationally typically see material savings by reducing correspondent banking fees and FX markups. Talk to our team for a cost comparison based on your specific flows.