Arbonum vs Nium for Platforms

Arbonum handles payments to global contractors along with invoicing and compliance. Its platform offers instant contracts, multi-country payroll, multi-currency payouts, contractor KYC checks, and banking compliance. The company advertises 24/7 support from local HR and legal experts and says contractors can be onboarded in less than five minutes. The pricing page lists unlimited contractors, users, invoices, GEOs, and currencies, plus customized dashboards and reporting. Vetted tax advisors in 110+ countries can help contractors with tax questions, and Arbonum says it works with SafetyWing on health benefit programs. Its gaming offering supports USD, EUR, GBP, RUB, ARS, BRL, INR, PHP, IDR, and USDC. The platform says each payout receives automatic OFAC, UN, and EU sanctions checks; a payout can include work-product assignment, and contractors sign a mutual NDA. The iPhone and iPad app supports invoice generation, receiving payment, withdrawals, file uploads, and tax reports. Pricing is on request; the listed Pay-as-you-go terms start at $5, paid once, billed from 5.0% per payout, all-in and quoted by corridor, with no per-seat charge, setup fee, or minimums.

Nium for Platforms lets business platforms embed payouts, multi-currency accounts, cards, and foreign exchange through one API. It serves spend management, payroll, treasury, marketplaces, gig-economy services, SaaS, and B2B embedded-finance platforms. Nium says it processes $84B annually across 190+ countries. Real-time payouts can reach 190+ countries in 100+ local currencies through fiat and stablecoin rails. Platforms can provide locally branded accounts, hold balances in 100+ currencies, convert funds, and pay recipients. Branded physical and virtual cards support fiat or stablecoin funding, limits, merchant controls, permissions, and live spend tracking. Developer resources include APIs, SDKs, guides, an OpenAPI specification, Postman collection, and production-like sandbox. A web portal supports card workflows, reporting, and sandbox access. Nium also describes localized onboarding, identity checks, KYB/KYC, monitoring, fraud controls, reconciliation, reporting, and signed HMAC-SHA256 webhooks. Pricing is on request; fees are set out in a separate Fee Schedule.