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SPECIFICTION
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Nium Physical and Virtual Cards

nium.com

WebAPI
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Spec score 7.1 #15 of 22 in Card Issuing Platforms

What it is

Nium Physical and Virtual Cards lets businesses issue physical, virtual and digital cards funded by fiat or stablecoins. Programs can apply spending limits, permissions and merchant controls, with rules for channels, geographies, merchant categories and transaction types. Cards connect to consumer or corporate wallets, where funds are loaded, held and spent in real time. Teams manage activity and statements through APIs or Nium’s web portal. Visa, Mastercard and Discover are supported depending on market and program setup. Listed controls include 3DS, tokenization, lifecycle management, fraud-risk tools and chargeback support for eligible disputes. Nium describes uses in corporate spend and procurement, payouts and disbursements, and travel or hotel payments. Compliance support includes onboarding, KYC workflows, transaction monitoring, fraud-risk management and dispute management. Developers receive APIs, SDKs, guides, a production-like sandbox, OpenAPI specification and Postman collection. Card issuing can connect with Nium wallets, balances, FX and payouts. Pricing and program terms are on request. Issuance is limited to approved countries, with a maximum of 1,000 active or locked cards per customer and potentially lower program limits.

Spec sheet

What it does
Nium offers businesses physical, virtual, and digital card issuing funded by fiat or stablecoins.Read 3 Oct 2026 · nium.com
Integrations
The product page says card issuing can connect with Nium wallets, balances, FX, and payouts in one experience.Read 3 Oct 2026 · nium.com
Support
Nium describes expert support for program design, onboarding, launch, and ongoing management.Read 3 Oct 2026 · nium.com
Headquarters
Singapore and San FranciscoRead 28 Sep 2026 · nium.com
Founded
2014Read 28 Sep 2026 · nium.com
Company
Nium says it was founded in 2014 and is co-headquartered in Singapore and San Francisco.Read 3 Oct 2026 · nium.com
API and developer tools
Nium provides APIs, SDKs, guides, a production-like sandbox, an OpenAPI specification, and a Postman collection for developers.Read 3 Oct 2026 · nium.com
Card controls
Programs can use spending limits, merchant controls, permissions, and rules for channels, geographies, merchant categories, and transaction types.Read 3 Oct 2026 · nium.com
Card networks
Supported card schemes include Visa, Mastercard, and Discover, depending on market and program setup.Read 3 Oct 2026 · nium.com
Compliance support
Nium says it supports card program compliance with onboarding, KYC workflows, transaction monitoring, fraud risk management, and dispute management.Read 3 Oct 2026 · nium.com
Funding and management
Cards can connect to consumer or corporate wallets, with funds loaded, held, and spent in real time; card activity and statements can be managed through APIs or the Nium web portal.Read 3 Oct 2026 · nium.com
Geographic limit
Nium’s card documentation says issuance is limited to approved countries and physical cards cannot be shipped to cross-border markets.Read 3 Oct 2026 · docs.nium.com
Issuance limit
Nium’s card documentation states a maximum of 1,000 active or locked virtual or physical cards per customer, with lower program limits possible.Read 3 Oct 2026 · docs.nium.com
Security and risk
The product page lists 3DS, tokenization, lifecycle controls, fraud-risk tools, and chargeback support for eligible disputes.Read 3 Oct 2026 · nium.com
Use cases
Nium describes card programs for corporate spend and procurement, payouts and disbursements, and travel and hotel payments.Read 3 Oct 2026 · nium.com

Plans and prices

Custom card program Priced on request Pricing and program terms are not listed; contact Nium Read 3 Oct 2026 · nium.com

Every Nium Physical and Virtual Cards plan and price →

Strong points and limits

Strong points

  • Physical, virtual and digital card issuing
  • Granular spending and merchant controls
  • Real-time wallet funding and balances
  • APIs, SDKs and production-like sandbox
  • KYC and transaction-monitoring support

Limits

  • Pricing requires contacting Nium
  • Issuance limited to approved countries
  • Physical cards cannot ship cross-border
  • Maximum 1,000 active or locked cards per customer

Who it suits

Nium suits businesses building card programs for corporate spending, procurement, payouts, disbursements or travel payments. It is designed for enterprise program support through APIs and a web portal.

Verdict

Nium combines card issuing, controls, wallet funding, compliance tooling and developer resources for business programs. Country availability, card caps and unlisted pricing should be checked during program planning.

Where Specifiction places it

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