{ "name": "Nium", "slug": "nium", "website_url": "https://www.nium.com", "vendor_description": "\"Send domestic and cross-border payments faster, cheaper, with access to local rails on Nium's global payout platform.\"", "categories": [ "payouts" ], "summary": "Nium is a global payout platform, founded in 2014, that enables businesses to send cross-border and domestic payments across 190+ countries via local bank rails, SWIFT, ACH, SEPA, push-to-card, and wallet payouts. It targets marketplaces, payroll providers, gig economy platforms, and travel companies needing to disburse funds at scale. Pricing is negotiated through sales rather than published. The REST API supports idempotency, webhooks, and a sandbox environment, and Nium holds money transmission licenses in 28 US states plus EMI and MPI licenses across the EU, UK, and Singapore.", "capabilities": { "supported_actions": [ "create_payout", "batch_payouts", "cross_border_transfers", "fx_conversion", "fx_rate_lock", "push_to_card", "wallet_payout", "local_bank_rails", "swift", "ach", "sepa", "recipient_onboarding", "kyc_kyb", "account_verification", "beneficiary_management", "virtual_accounts", "multicurrency", "webhooks", "payment_tracking", "real_time_payouts", "cash_pickup", "card_issuing", "physical_card_issuance", "virtual_card_issuance" ], "supported_regions": [ "190+ countries", "United States", "United Kingdom", "European Union", "Singapore", "Australia", "Hong Kong", "India", "Japan", "Malaysia", "Indonesia", "Brazil", "Canada", "New Zealand", "UAE", "South Africa", "Philippines" ], "supported_languages": [], "input_types": [ "SWIFT", "ACH", "SEPA", "local bank rails", "wire transfer", "real-time payment systems", "instant local rails (12+ currencies)", "Direct Debit (30+ countries)", "SWIFT funding (25+ currencies)" ], "output_types": [ "bank account transfer", "push-to-card", "digital wallet payout", "cash pickup", "JSON API responses", "webhook events", "reconciliation reports", "real-time payment status", "FX rate data" ], "webhooks_supported": true, "sandbox_available": true, "sdk_languages": [ "OpenAPI/Any" ], "mcp_server_available": false }, "integration": { "api_style": "rest", "base_url": "https://gateway.nium.com", "api_version": "v1", "versioning_scheme": "url", "stability": "ga", "deprecation_policy_url": "https://docs.nium.com/docs/reference/deprecated-apis", "auth_methods": [ "api_key" ], "auth_docs_url": "https://docs.nium.com/docs/developers/nium-api/authentication", "idempotency_supported": true, "error_format": "vendor-specific", "webhook_signing": null, "webhook_events_url": "https://docs.nium.com/docs/reference/webhooks-overview", "rate_limit_requests": 100, "rate_limit_window": "second", "sdk_packages": [ { "package": "nium.yaml (OpenAPI spec)", "language": "OpenAPI/Any", "official": true, "repo_url": "https://github.com/nium-global/nium-openapi" } ], "mcp_url": null, "quickstart_url": "https://docs.nium.com/docs/getting-started" }, "pricing": { "pricing_model": "contact_sales", "has_published_pricing": false, "starting_price_usd": null, "price_basis": null, "free_tier_available": false, "free_tier_limit": null, "free_tier_details": null, "minimum_commitment": null, "self_serve_signup": true, "requires_sales_call": true, "requires_verification": true, "enterprise_plan_available": true, "price_points": [] }, "compliance": { "soc2": null, "hipaa": false, "gdpr": true, "iso_27001": null, "pci_dss": true, "sla_published": false, "sla_url": null, "data_retention_policy_url": "https://www.nium.com/privacy/privacy-policy", "documented_rate_limits": "Production: 100 requests/second (burst: 50); Sandbox: 20 requests/second (burst: 20); Payouts: 3 TPS per wallet", "known_restrictions": [ "Regulated in 40+ markets; holds MTLs in 28 US states (not all 50), EMI licenses in EU (Lithuania, Malta), MPI in Singapore, AEMI in UK, and various other jurisdictions", "Production payout prefunding requires account manager approval - not fully self-serve", "FX markup: advertises savings of 'up to 250 basis points versus traditional banks' but no specific markup percentage published", "KYB/KYC required for customer onboarding via Nium's eKYB/eKYC APIs before payouts can be executed", "No 1099 or DAC7 tax form generation found in documentation", "SOC 2 Type 2 mentioned in DPA as available audit report type 'if such reports are available' - not explicitly confirmed as currently certified" ] }, "developer": { "docs_url": "https://docs.nium.com/", "api_reference_url": null, "openapi_spec_url": null, "postman_collection_url": null, "changelog_url": null, "status_page_url": "https://status.nium.com", "llms_txt_url": "https://www.nium.com/llms.txt", "markdown_docs_url": null, "rendering": "static" }, "adoption": { "launched_at": "2014-01-01", "ga_date": null, "github_stars": null, "github_stars_at": null, "notable_customers": [ "Deel", "KasikornBank", "G2 Travel" ] }, "scores": { "agent_friendliness": 55, "pricing_transparency": 0, "setup_speed": 65, "docs_quality": 25, "procurement_friction": 25, "trust_readiness": 25, "best_for": [ "AI agents and automation - an agent-ready surface (MCP / llms.txt)", "Teams needing broad API coverage out of the box" ], "avoid_if": [ "You need transparent pricing up front", "You want to try it free before paying", "You have strict compliance requirements" ] }, "sources": [ { "field": "vendor_description", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Send domestic and cross-border payments faster, cheaper, with access to local rails on Nium's global payout platform.", "confidence": "high" }, { "field": "categories", "url": "https://www.nium.com/products/issue-cards", "excerpt": "Nium offers a platform enabling businesses to issue and track physical and virtual cards in 30+ markets through a single platform.", "confidence": "high" }, { "field": "supported_regions", "url": "https://www.nium.com/licenses", "excerpt": "Nium is the only fintech infrastructure provider to be licenced in more than 40 countries", "confidence": "high" }, { "field": "input_types", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Instant local payment rails in 12+ currencies, Swift funding in 25+ currencies, Automated Direct Debit in 30+ countries", "confidence": "high" }, { "field": "webhooks_supported", "url": "https://docs.nium.com/docs/reference/webhooks-overview", "excerpt": "Nium supports a robust collection of notifications and webhook events that keeps your platform updated with real-time updates and changes", "confidence": "high" }, { "field": "sdk_languages", "url": "https://github.com/nium-global/nium-openapi", "excerpt": "The README includes specific instructions for generating Python client libraries using OpenAPI Generator version 6.1. No other language-specific instructions are documented in the repository.", "confidence": "medium" }, { "field": "pricing_model", "url": "https://www.nium.com/products/nium-portal", "excerpt": "Connect with our experts to discuss customized pricing", "confidence": "high" }, { "field": "has_published_pricing", "url": "https://www.nium.com/products/global-payouts", "excerpt": "No explicit pricing disclosed. The page mentions transparent FX rates with no hidden markups but provides no rate card or fee schedule.", "confidence": "high" }, { "field": "self_serve_signup", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "Sign up for a Nium Portal account at: https://app.nium.com/sign-up", "confidence": "high" }, { "field": "gdpr", "url": "https://www.nium.com/legal/dpa", "excerpt": "parties shall...comply with applicable Data Protection Laws and this DPA in connection with its Processing of Personal Data", "confidence": "high" }, { "field": "hipaa", "url": "https://www.nium.com/legal/dpa", "excerpt": "The DPA references GDPR, UK GDPR, FADP, PIPEDA, Singapore PDPA, US CCPA, and Indonesian data protection law — HIPAA is not mentioned.", "confidence": "high" }, { "field": "soc2", "url": "https://www.nium.com/legal/dpa", "excerpt": "third-party audit reports such as SOC II type audit reports (if such reports are available)", "confidence": "low" }, { "field": "sla_published", "url": "https://status.nium.com/", "excerpt": "The page does not publish specific Service Level Agreement commitments or formal uptime guarantees. It provides historical uptime metrics but no stated SLA targets.", "confidence": "high" }, { "field": "documented_rate_limits", "url": "https://docs.nium.com/docs/reference/usage-limits", "excerpt": "Production: 100 per second (burst: 50); Sandbox: 20 per second (burst: 20); 3 Transactions Per Second for each wallet issued by a client for Transfer Money requests", "confidence": "high" }, { "field": "known_restrictions", "url": "https://www.nium.com/products/global-fx", "excerpt": "up to 250 basis points versus traditional banks and around 150 basis points compared to legacy money transfer providers", "confidence": "high" }, { "field": "primary_use_cases", "url": "https://www.nium.com/solutions/marketplaces", "excerpt": "online travel agencies, airlines, hotels, creator economy platforms, and general marketplaces", "confidence": "high" }, { "field": "auth_methods", "url": "https://docs.nium.com/docs/developers/nium-api/authentication", "excerpt": "Nium APIs require a two-part authentication approach combining an API key and client identifier. Transmitted via the `x-api-key` header. Environment-specific (sandbox and production use separate keys).", "confidence": "high" }, { "field": "auth_docs_url", "url": "https://docs.nium.com/docs/developers/nium-api/authentication", "excerpt": "Authentication details are found at /docs/developers/nium-api/authentication within the Nium API documentation portal.", "confidence": "high" }, { "field": "base_url", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "Base URL: https://gateway.nium.com. The API uses versioned endpoints such as /api/v1/, /api/v2/ (for beneficiary and remittance operations), /api/v4/ (for customer onboarding).", "confidence": "high" }, { "field": "versioning_scheme", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "The API uses endpoint-level versioning rather than a single global version, allowing different resources to operate on different versions simultaneously.", "confidence": "high" }, { "field": "sdk_packages", "url": "https://github.com/nium-global/nium-openapi", "excerpt": "The repository contains Nium's OpenAPI specifications. nium.yaml: Primary OpenAPI 3.0.* specification file containing all platform APIs. Libraries can be generated for multiple languages using the OpenAPI Generator tool.", "confidence": "high" }, { "field": "idempotency_supported", "url": "https://docs.nium.com/docs/developers/nium-api/idempotency", "excerpt": "Idempotency is supported by all POST APIs, which allows you to retry requests and avoid mistakenly repeating the same one. The required header is x-request-id. Maximum length: 255 characters. Retention period: Automatically removed after 24 hours minimum.", "confidence": "high" }, { "field": "webhook_events_url", "url": "https://docs.nium.com/docs/reference/webhooks-overview", "excerpt": "Five webhook categories: Callbacks (compliance events), Platform (core platform events), Payouts (payout lifecycle), Payins (wallet funding and chargebacks), Issuing and Cards (card-related events).", "confidence": "high" }, { "field": "categories", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Send domestic and cross-border payments faster, cheaper, with access to local rails on Nium's global payout platform.", "confidence": "high" }, { "field": "supported_regions", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Nium Payouts lets you send money to over 190 countries and make real-time, on-demand payments in more than 100 countries.", "confidence": "high" }, { "field": "input_types", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Swift, ACH, SEPA, wire transfers, real-time payment systems", "confidence": "high" }, { "field": "output_types", "url": "https://docs.nium.com/docs/payouts", "excerpt": "Bank account transfers, Card payouts, Digital wallet transfers, Cash pickup (select countries), Local currency wires to 8 countries", "confidence": "high" }, { "field": "sandbox_available", "url": "https://docs.nium.com/docs/using-the-sandbox", "excerpt": "sandbox and production environments have separate API keys and clientHashIds", "confidence": "high" }, { "field": "mcp_server_available", "url": "https://www.nium.com", "excerpt": null, "confidence": "high" }, { "field": "pricing_model", "url": "https://www.nium.com/products", "excerpt": "Connect with an expert to discuss your use case, customized pricing and more", "confidence": "high" }, { "field": "has_published_pricing", "url": "https://docs.nium.com/docs/fees", "excerpt": "No published fee amounts, rates, or percentages are listed on the fees documentation page.", "confidence": "high" }, { "field": "requires_sales_call", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "For production requests, use the Client Prefund Request...contact your Nium account manager to get the request approved", "confidence": "high" }, { "field": "gdpr", "url": "https://www.nium.com/legal/dpa", "excerpt": "The document incorporates EU Standard Contractual Clauses for cross-border transfers", "confidence": "high" }, { "field": "pci_dss", "url": "https://www.nium.com/legal/card-issuing-terms-conditions", "excerpt": "Nium and the Client each undertakes to comply with all of the Payment Card Industry Data Security Standard (PCI DSS) rules, regulations and/or standards", "confidence": "high" }, { "field": "iso_27001", "url": "https://www.nium.com/legal/dpa", "excerpt": "ISO 27001 is not mentioned in the DPA, the licenses page, or any verified Nium compliance page.", "confidence": "high" }, { "field": "sla_published", "url": "https://www.nium.com/products/global-payouts", "excerpt": "Move money across borders with 99.99% uptime — presented as marketing claim, not a formal contractual SLA document.", "confidence": "high" }, { "field": "known_restrictions", "url": "https://www.nium.com/licenses", "excerpt": "Money Transfer Licenses (MTLs) - 28 states", "confidence": "high" }, { "field": "primary_use_cases", "url": "https://www.nium.com/about-us", "excerpt": "hundreds of category leaders in banking, travel, payroll, tech and AI", "confidence": "high" }, { "field": "enterprise_plan_available", "url": "https://www.nium.com/products/nium-portal", "excerpt": "Connect with our experts to discuss customized pricing", "confidence": "high" }, { "field": "auth_methods", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "clientHashId: The universally unique identifier (UUID) that represents your account. x-api-key: A randomly generated encoded key required with clientHashId for API requests.", "confidence": "high" }, { "field": "api_style", "url": "https://docs.nium.com/docs/developers/nium-api", "excerpt": "Nium follows the OpenAPI 3.0 specification for its REST API structure.", "confidence": "high" }, { "field": "api_version", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "The API uses versioned endpoints. Examples include /api/v1/ (primary version), /api/v2/ (for beneficiary and remittance operations), /api/v4/ (for customer onboarding).", "confidence": "medium" }, { "field": "deprecation_policy_url", "url": "https://docs.nium.com/docs/reference/deprecated-apis", "excerpt": "Nium maintains a page that lists all deprecated APIs and the date of their deprecation in the same groups they appear on the API reference page. For questions or concerns about deprecated APIs, contact your Nium Project Manager.", "confidence": "high" }, { "field": "quickstart_url", "url": "https://docs.nium.com/docs/getting-started", "excerpt": "New users begin at the Getting Started guide, which provides a 10-step onboarding process with code examples.", "confidence": "high" }, { "field": "error_format", "url": "https://docs.nium.com/docs/error-response-structure", "excerpt": "The API returns error responses with: status (e.g. BAD_REQUEST), message (human-readable summary), errors (array of detailed error messages). Example: {\"status\": \"BAD_REQUEST\", \"message\": \"Unable to read request body or no request body provided\", \"errors\": [...]}", "confidence": "high" }, { "field": "rate_limit_requests", "url": "https://docs.nium.com/docs/reference/usage-limits", "excerpt": "Production environment: Request rate: 100 per second. Burst limit: 50. Sandbox environment: Request rate: 20 per second. Burst limit: 20.", "confidence": "high" }, { "field": "requires_verification", "url": "https://docs.nium.com/docs/developers/nium-api/authentication", "excerpt": "Production keys require contacting Nium support or account manager. Sandbox access via Getting Started guide; production keys require contacting Nium support or account manager.", "confidence": "high" }, { "field": "data_retention_policy_url", "url": "https://www.nium.com/privacy/privacy-policy", "excerpt": "We retain information for different periods of time depending on the purposes for which we collect and use it and will delete or de-identify information when it is no longer needed to fulfill these purposes unless a longer retention period is required to comply with applicable laws.", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.nium.com/blog/deel-leverages-niums-global-payments-to-expand-payment-options", "excerpt": "Deel selected Nium as their global payroll solution partner, drawn to the global network of 190 countries. Deel chose Nium to be their card issuance partner to offer contractors an integrated withdrawal option.", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.nium.com/newsroom/nium-launches-global-collections-for-banks", "excerpt": "G2 Travel (hotel payments) cited as a Nium customer using virtual card infrastructure for hotel payment automation.", "confidence": "high" }, { "field": "rate_limit_window", "url": "https://docs.nium.com/docs/reference/usage-limits", "excerpt": "Production environment: Request rate: 100 per second. Also enforces a maximum of 3 Transactions Per Second (TPS) for each wallet issued by a client for Transfer Money requests.", "confidence": "high" }, { "field": "requires_verification", "url": "https://docs.nium.com/docs/onboarding", "excerpt": "Nium's platform onboards corporate customers through a client, verifies their identity, and assigns them a wallet. Customers must submit an application through an API so Nium can complete the customer's KYB verification according to regional regulatory guidelines.", "confidence": "high" }, { "field": "launched_at", "url": "https://en.wikipedia.org/wiki/Nium", "excerpt": "Founded in 2014 by Prajit Nanu and Michael Bermingham. Launched as consumer platform Instarem in August 2015. Rebranded to Nium in 2019.", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.nium.com/case-studies/kbank-using-payments-customer-experience", "excerpt": "Nium announced the expansion of new remittance corridors for customers of KasikornBank through its K PLUS app, with new routes adding onto existing 24 rails in developed markets.", "confidence": "high" } ], "fields_not_found": [ "soc2", "iso_27001", "minimum_commitment", "hipaa", "1099_dac7_tax_form_support", "exact FX markup percentage", "specific per-payout fee amounts (no published rate card)", "webhook_signing", "sla_url", "starting_price_usd", "price_basis", "free_tier_limit", "ga_date", "mcp_url" ], "source_confidence": "high", "last_verified_at": "2026-06-21T00:00:00.000Z", "contribute": { "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.", "endpoints": [ { "action": "review", "label": "Leave a review or comment", "method": "POST", "url": "https://apio.sh/api/feedback/nium", "example_body": { "kind": "review", "rating": 5, "body": "Your experience with this API…" } }, { "action": "field_edit", "label": "Suggest a correction to a field (cite a source)", "method": "POST", "url": "https://apio.sh/api/suggest/nium/{field}", "example_body": { "value": "corrected value", "citations": [ { "url": "https://source.example/page", "excerpt": "supporting quote" } ], "note": "what changed and why" } }, { "action": "new_api", "label": "Suggest a new API to add (only name is required - send as much as you can cite)", "method": "POST", "url": "https://apio.sh/api/suggest/api", "example_body": { "value": { "name": "Acme Email API", "website_url": "https://acme.example", "vendor_name": "Acme", "categories": [ "email" ], "pricing_model": "usage_based", "has_published_pricing": true, "free_tier_available": true, "price_points": [ { "plan": "Pay as you go", "item": "1,000 emails", "amount_usd": 1, "per": "1,000 emails", "source_url": "https://acme.example/pricing" } ], "soc2": "type_2", "docs_url": "https://docs.acme.example" }, "citations": [ { "url": "https://acme.example/pricing", "excerpt": "$1 per 1,000 emails" } ] }, "value_schema": [ { "field": "name", "type": "string", "label": "Product name (the only required field)" }, { "field": "website_url", "type": "string", "label": "Marketing website URL" }, { "field": "vendor_name", "type": "string", "label": "Company/vendor name behind the product" }, { "field": "vendor_description", "type": "string", "label": "One-line description, quoted from the vendor" }, { "field": "categories", "type": "string[]", "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]" }, { "field": "primary_use_cases", "type": "string[]", "label": "What it's used for" }, { "field": "supported_actions", "type": "string[]", "label": "Concrete API actions/capabilities" }, { "field": "supported_regions", "type": "string[]", "label": "Countries/regions/data-residency" }, { "field": "supported_languages", "type": "string[]", "label": "Human/spoken languages supported" }, { "field": "input_types", "type": "string[]", "label": "Accepted input types/formats" }, { "field": "output_types", "type": "string[]", "label": "Produced output types/formats" }, { "field": "webhooks_supported", "type": "bool", "label": "Supports webhooks?" }, { "field": "sandbox_available", "type": "bool", "label": "Dedicated sandbox/test mode?" }, { "field": "sdk_languages", "type": "string[]", "label": "Languages with an official SDK" }, { "field": "mcp_server_available", "type": "bool", "label": "Official MCP server?" }, { "field": "pricing_model", "type": "enum", "label": "Pricing model", "values": [ "usage_based", "subscription", "seat_based", "hybrid", "contact_sales" ] }, { "field": "has_published_pricing", "type": "bool", "label": "Concrete prices published publicly?" }, { "field": "free_tier_available", "type": "bool", "label": "Recurring/perpetual free tier (not a trial)?" }, { "field": "free_tier_details", "type": "string", "label": "What the free tier includes" }, { "field": "minimum_commitment", "type": "string", "label": "Any stated minimum spend/commitment" }, { "field": "self_serve_signup", "type": "bool", "label": "Get an API key without talking to sales?" }, { "field": "requires_sales_call", "type": "bool", "label": "Does going live require sales?" }, { "field": "enterprise_plan_available", "type": "bool", "label": "Named enterprise tier?" }, { "field": "starting_price_usd", "type": "number", "label": "Lowest published paid entry price (USD number)" }, { "field": "price_basis", "type": "string", "label": "Unit the starting price is per, e.g. '1,000 emails'" }, { "field": "free_tier_limit", "type": "string", "label": "Free-tier ceiling in literal terms" }, { "field": "price_points", "type": "object[]", "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]" }, { "field": "soc2", "type": "enum", "label": "SOC 2 status", "values": [ "type_2", "type_1", "in_progress", "none", "unknown" ] }, { "field": "hipaa", "type": "bool", "label": "HIPAA (e.g. BAA available)?" }, { "field": "gdpr", "type": "bool", "label": "GDPR compliance stated?" }, { "field": "iso_27001", "type": "bool", "label": "ISO 27001 certified?" }, { "field": "pci_dss", "type": "bool", "label": "PCI DSS compliant?" }, { "field": "sla_published", "type": "bool", "label": "Published SLA / uptime commitment?" }, { "field": "documented_rate_limits", "type": "string", "label": "Documented rate limits, quoted" }, { "field": "known_restrictions", "type": "string[]", "label": "Notable documented restrictions/limits" }, { "field": "auth_methods", "type": "string[]", "label": "Auth methods", "values": [ "api_key", "oauth2", "jwt", "basic", "hmac_signature", "mtls", "session" ] }, { "field": "api_style", "type": "enum", "label": "Primary API style", "values": [ "rest", "graphql", "grpc", "soap", "websocket" ] }, { "field": "base_url", "type": "string", "label": "API root/base URL" }, { "field": "api_version", "type": "string", "label": "Current API version string" }, { "field": "quickstart_url", "type": "string", "label": "Quickstart / hello-world URL" }, { "field": "docs_url", "type": "string", "label": "Developer docs URL" }, { "field": "api_reference_url", "type": "string", "label": "API reference URL" }, { "field": "openapi_spec_url", "type": "string", "label": "OpenAPI spec URL" }, { "field": "changelog_url", "type": "string", "label": "Changelog URL" }, { "field": "status_page_url", "type": "string", "label": "Status page URL" }, { "field": "notable_customers", "type": "string[]", "label": "Named public customers" }, { "field": "launched_at", "type": "string", "label": "Launch date (ISO date or year)" } ] }, { "action": "token", "label": "Optional - raise your rate limit", "method": "GET", "url": "https://apio.sh/api/feedback/token" } ] } }