A Global Transfer Network at the Speed of Modern Business
Deliver reliable, flexible payments on a global scale, with real-time capabilities for over 100 markets.
![Money Transfor Operator](https://www.nium.com/themes/NiumCMS/images/money-transfer-operators/hero-mto.png)
Money Transfer Operators
Move Money Anywhere Efficiently and On-Demand
Modern money is increasingly global, with businesses and individuals moving capital across borders to support remittances, international suppliers and complex business models. Nium enables money transfer operators to efficiently send funds anywhere, including for low-value transactions and to unbanked customers. With 24/7 FX conversions and reliable payment speeds through real-time local rails, MTOs can provide a superior customer experience, reduce operational costs, and expand their market reach to build a truly borderless business model.
![Move Money Anywhere](https://www.nium.com/themes/NiumCMS/images/money-transfer-operators/mto-introduction.png)
![Efficient Cross-Border Payments for SMB & Low-Value Transactions](https://www.nium.com/themes/NiumCMS/images/money-transfer-operators/efficient-cross-border.png)
Efficient Cross-Border Payments for SMB & Low-Value Transactions
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Connect your global audience
Make payments to over 190 countries, including 100+ real-time destinations, ensuring more than 80% of transactions reach beneficiary accounts within 15 minutes.
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Offer tailored payment options
Provide payouts to bank accounts, wallets, and cards through local rails or through local and foreign currency wires for maximum customer flexibility.
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Minimize fees and FX
Optimize for lower costs by leveraging local rails, manage costs with zero-deduction wire transfers through OUR or shared costs through SHA, with full visibility over fees and FX before you submit a transaction.
![End-to-End Transparency and Reliability](https://www.nium.com/themes/NiumCMS/images/money-transfer-operators/end-to-end-transparency.png)
End-to-End Transparency and Reliability
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Track payments precisely
Drill down into payment journeys with Nium’s Chronometer tool for real-time updates on payment statuses and estimated delivery for complete transparency, or track your wires with SWIFT’s UETR.
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Eliminate unnecessary fees
Ensure recipients receive the full payment amount without deductions, leveraging local payment rails for cost-effective transactions.
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Pre-validate beneficiary accounts
Minimize payment errors and returns, friction and delays by pre-validating beneficiary details upfront for complete predictability.
Join 1000+ companies on the Nium payments infrastructure
Our FI customers include:
Products
The Global Infrastructure for Real-Time Payments
Nium moves money, manages foreign exchange and mitigates fraud risk so your business can send and receive funds in real time.
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220+
Payout countries
and territories
100+
Real-time
markets
100+
Supported
currencies
75M
Cards issued
worldwide