Nium

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

Pricing model

Contact sales [2]nium.com/products/nium-portal“Connect with our experts to discuss customized pricing”nium.com/products“Connect with an expert to discuss your use case, customized pricing and more”

Published pricing

✗ No [3]nium.com/products/global-payouts“No explicit pricing disclosed. The page mentions transparent FX rates with no hidden markups but provides no rate card or fee schedule.”docs.nium.com/docs/fees“No published fee amounts, rates, or percentages are listed on the fees documentation page.”

Free tier

✗ No

Self-serve signup

✓ Yes [4]docs.nium.com/docs/getting-started“Sign up for a Nium Portal account at: https://app.nium.com/sign-up”

Requires sales call

✓ Yes [5]docs.nium.com/docs/getting-started“For production requests, use the Client Prefund Request...contact your Nium account manager to get the request approved”

Enterprise plan

✓ Yes [6]nium.com/products/nium-portal“Connect with our experts to discuss customized pricing”

• Global coverage
• Instant payouts
• Mass payments
• Multi-rail
• Built-in FX
• Recipient onboarding

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

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 [7]nium.com/licenses“Nium is the only fintech infrastructure provider to be licenced in more than 40 countries”nium.com/products/global-payouts“Nium Payouts lets you send money to over 190 countries and make real-time, on-demand payments in more than 100 countries.”

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) [8]nium.com/products/global-payouts“Instant local payment rails in 12+ currencies, Swift funding in 25+ currencies, Automated Direct Debit in 30+ countries”nium.com/products/global-payouts“Swift, ACH, SEPA, wire transfers, real-time payment systems”

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 [9]docs.nium.com/docs/payouts“Bank account transfers, Card payouts, Digital wallet transfers, Cash pickup (select countries), Local currency wires to 8 countries”

Webhooks

✓ Yes [10]docs.nium.com/docs/reference/webhooks-overview“Nium supports a robust collection of notifications and webhook events that keeps your platform updated with real-time updates and changes”

Sandbox / test mode

✓ Yes [11]docs.nium.com/docs/using-the-sandbox“sandbox and production environments have separate API keys and clientHashIds”

SDK languages

OpenAPI/Any [12]github.com/nium-global/nium-openapi“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.”

MCP server

✗ No [13]nium.com

SOC 2

– Unknown [14]nium.com/legal/dpa“third-party audit reports such as SOC II type audit reports (if such reports are available)”

HIPAA

✗ No [15]nium.com/legal/dpa“The DPA references GDPR, UK GDPR, FADP, PIPEDA, Singapore PDPA, US CCPA, and Indonesian data protection law — HIPAA is not mentioned.”

GDPR

✓ Yes [16]nium.com/legal/dpa“parties shall...comply with applicable Data Protection Laws and this DPA in connection with its Processing of Personal Data”nium.com/legal/dpa“The document incorporates EU Standard Contractual Clauses for cross-border transfers”

ISO 27001

– Unknown [17]nium.com/legal/dpa“ISO 27001 is not mentioned in the DPA, the licenses page, or any verified Nium compliance page.”

PCI DSS

✓ Yes [18]nium.com/legal/card-issuing-terms-conditions“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”

Published SLA

✗ No [19]status.nium.com“The page does not publish specific Service Level Agreement commitments or formal uptime guarantees. It provides historical uptime metrics but no stated SLA targets.”nium.com/products/global-payouts“Move money across borders with 99.99% uptime — presented as marketing claim, not a formal contractual SLA document.”

Rate limits

Production: 100 requests/second (burst: 50); Sandbox: 20 requests/second (burst: 20); Payouts: 3 TPS per wallet [20]docs.nium.com/docs/reference/usage-limits“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”

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 [21]nium.com/products/global-fx“up to 250 basis points versus traditional banks and around 150 basis points compared to legacy money transfer providers”nium.com/licenses“Money Transfer Licenses (MTLs) - 28 states”

• Docs
• llms.txt
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://gateway.nium.com

Version

v1

Versioning

url

Stability

ga

Auth methods

api_key

Idempotency keys

✓ Yes

Error format

vendor-specific

Rate limit

100 / second

SDKs

• OpenAPI/Any nium.yaml (OpenAPI spec) · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

2014-01-01

Notable customers

Deel, KasikornBank, G2 Travel

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Razorpay

  "India's All-in-One Finance Platform" that helps businesses accept payments, make payouts, manage banking, automate payroll, and access credit - all from a single platform.

  Usage · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Trolley

  "The Payouts Platform for the Internet Economy"

  Hybrid · public pricing · self-serve

• Wise Platform

  "Payments infrastructure to power the world's money" - banks, financial institutions and enterprises can plug into Wise's network to offer cross-border payment, card issuing, and multi-currency account capabilities.

  Usage · public pricing · self-serve

Nium alternatives · Nium vs PayPal Payments · All Payouts & Disbursement APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: nium.com
2. ↑Pricing model: nium.com · nium.com
3. ↑Published pricing: nium.com · docs.nium.com
4. ↑Self-serve signup: docs.nium.com
5. ↑Requires sales call: docs.nium.com
6. ↑Enterprise plan: nium.com
7. ↑Regions: nium.com · nium.com
8. ↑Input types: nium.com · nium.com
9. ↑Output types: docs.nium.com
10. ↑Webhooks: docs.nium.com
11. ↑Sandbox: docs.nium.com
12. ↑SDK languages: github.com
13. ↑MCP server: nium.com
14. ↑SOC 2: nium.com
15. ↑HIPAA: nium.com
16. ↑GDPR: nium.com · nium.com
17. ↑ISO 27001: nium.com
18. ↑PCI DSS: nium.com
19. ↑Published SLA: status.nium.com · nium.com
20. ↑Rate limits: docs.nium.com
21. ↑Known restrictions: nium.com · nium.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_rail":true,"fx_included":true,"mass_payments":true,"global_coverage":tr…
2. 2026-06-21 Summary Md: (none) → Nium is a global payout platform, founded in 2014, that enables businesses to s…
3. 2026-06-21 Score Pricing Transparency: (none) → 0
4. 2026-06-21 Score Setup Speed: (none) → 65
5. 2026-06-21 Score Docs Quality: (none) → 25
6. 2026-06-21 Score Procurement Friction: (none) → 25
7. 2026-06-21 Score Trust Readiness: (none) → 25
8. 2026-06-21 Best For: (none) → AI agents and automation - an agent-ready surface (MCP / llms.txt), Teams needi…
9. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying, Y…
10. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
11. 2026-06-21 Score Agent Friendliness: (none) → 55
12. 2026-06-21 Has Structured Data: (none) → Yes
13. 2026-06-21 Robots Allows Agents: (none) → Yes
14. 2026-06-21 Status Page URL: (none) → https://status.nium.com
15. 2026-06-21 Docs URL: (none) → https://docs.nium.com/
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt URL: (none) → https://www.nium.com/llms.txt
18. 2026-06-21 Llms Txt Present: (none) → Yes
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 HIPAA: set to No
24. 2026-06-21 GDPR: set to Yes
25. 2026-06-21 PCI DSS: set to Yes
26. 2026-06-21 SLA Published: set to No
27. 2026-06-21 Data Retention Policy URL: set to https://www.nium.com/privacy/privacy-policy
28. 2026-06-21 Documented Rate Limits: set to Production: 100 requests/second (burst: 50); Sandbox: 20 requests/second (burst…
29. 2026-06-21 Rate Limit Requests: set to 100
30. 2026-06-21 Rate Limit Window: set to second
31. 2026-06-21 Known Restrictions: set to Regulated in 40+ markets; holds MTLs in 28 US states (not all 50), EMI licenses…
32. 2026-06-21 Auth Methods: set to api_key
33. 2026-06-21 Auth Docs URL: set to https://docs.nium.com/docs/developers/nium-api/authentication
34. 2026-06-21 API Style: set to rest
35. 2026-06-21 Base URL: set to https://gateway.nium.com
36. 2026-06-21 API Version: set to v1
37. 2026-06-21 Versioning Scheme: set to url
38. 2026-06-21 Stability: set to ga
39. 2026-06-21 Deprecation Policy URL: set to https://docs.nium.com/docs/reference/deprecated-apis
40. 2026-06-21 Quickstart URL: set to https://docs.nium.com/docs/getting-started
41. 2026-06-21 Idempotency Supported: set to Yes
42. 2026-06-21 Error Format: set to vendor-specific
43. 2026-06-21 Slug: set to nium
44. 2026-06-21 Requires Verification: set to Yes
45. 2026-06-21 Launched At: set to 2014-01-01
46. 2026-06-21 Notable Customers: set to Deel, KasikornBank, G2 Travel
47. 2026-06-21 Fields Not Found: set to soc2, iso_27001, minimum_commitment, hipaa, 1099_dac7_tax_form_support, exact F…
48. 2026-06-21 Source Confidence: set to high
49. 2026-06-21 Extractor: set to claude-subagent:sonnet
50. 2026-06-21 Last Verified At: set to 2026-06-21T00:00:00.000Z

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/nium \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/nium/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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