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 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.

Efficient Cross-Border Payments for SMB & Low-Value Transactions

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.
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.
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

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.
Eliminate unnecessary fees

Ensure recipients receive the full payment amount without deductions, leveraging local payment rails for cost-effective transactions.
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:

Premium content

Avoiding Cost in Translation

For over a decade, Nium has invested in building its payment platform with deep banking relationships and highly focused technology. Nium enables its clients to pay into over 190 countries, through over 110 currencies, using a broad set of payment methods—many of which are real-time. The company moves money at the rate of USD 25 billion annually, while providing compliance checks such as KYB and KYC.

Read the report

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.

Global Payins

Speed up your business expansion by accepting payments through both local and international methods.

Explore Payins

Global Payouts

Send payouts to 220+ 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 FX

Avoid the high-cost intermediaries and get transparency and control to move money anywhere in real time.

Explore FX

Global Card Issuing

Launch physical and virtual card strategies quickly and easily with authorization models that work for you.

Explore Issue Cards

Customer Stories

Hear From Our Customers

customer image Nium Adds Speed, Cost Savings, and Transparency for OZ Câmbio

We chose Nium for its advanced technology and broad payouts reach in 190+ countries around the world. That, combined with the real-time speed of their payments at considerably lower transaction costs, and the company’s broad market knowledge, 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 →

The product demos gave our team a lot of confidence and the technological integration process was seamless and conclusive, reflecting a great start for the partnership.

– Luiz Henrique Didier Jr., Executive Director, Ebury