Gigapay vs Nium for Platforms

Gigapay has no write-up on Specifiction yet; its figures are above.

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.