Extend vs Nium Physical and Virtual Cards

Extend manages company card spending and employee expenses with virtual cards, expense tracking, receipt management, and accounting reconciliation. Virtual cards can carry spending limits and expiration dates for vendor payments, subscriptions, or team expenses. Card creation is available only through participating bank partners; eligible Visa or Mastercard cards from other banks can be registered for expense management. Other tools include budgets, receipt capture, expense reports, reimbursements, approval workflows, and transaction reporting. Integrations include QuickBooks Online and Desktop, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics 365 Business Central. The virtual card API supports issuance, transaction metadata, real-time authorization and clearing data through webhooks, and configurable card controls. Extend says it is PCI and SOC 2 compliant and uses TLS with SHA-256 and RSA encryption. Starter is free for up to five users and 100 virtual cards per month. Pro costs $8.99/user/mo (annual) or $11.99/user/mo (monthly), with a 10-user minimum for either option.

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.