Checkout.com vs Nium for Platforms
Checkout.com
checkout.com
Nium for Platforms
nium.comSide by side
| Figure | Checkout.com | Nium for Platforms |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Cross-Border Payment Platforms | 8.8 (#4) | 7.7 (#10) |
| Founded | 2012 | 2014 |
| Headquarters | London, United Kingdom | Singapore and San Francisco |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | Nium says integration support includes a dedicated solutions engineer, a private Slack channel, and 24/7 on-call support during the launch window. |
| What it does | Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform. | Nium lets business platforms embed payouts, multi-currency accounts, cards, and FX through one API. |
| Who it serves | Checkout.com describes its payment services as built for businesses and says it delivers payments to the world’s biggest businesses. | Nium supports spend management, payroll, treasury, marketplaces, gig economy, SaaS, and B2B embedded finance platforms. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
In their own words
Checkout.com
Checkout.com provides businesses with services to accept customer payments and send funds, through multiple payment methods and integration routes. It supports more than 150 processing currencies and local acquiring in over 50 countries. Merchants can take major card schemes, direct debits, vouchers, digital wallets and bank transfers, with recurring and marketplace payments also listed. Integration options include Flow, ecommerce plugins, mobile SDKs for Android and iOS, hosted payment pages and an API; its partner directory names Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Intelligent Acceptance uses an AI engine to optimize payments. Fraud Detection includes network intelligence, machine-learning risk scores, transaction rules, and allow and block lists, with advanced controls and analytics in a Pro tier. Checkout.com says it is PCI DSS Level 1 compliant and its systems are ISO 27001 certified. Pricing is on request and tailored to business profile and risk category; registered charities can receive free processing where the service operates. The company lists Android, iOS, web and API support.
Nium for Platforms
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.