Nium for Platforms vs PayU Global Payments
Nium for Platforms
nium.comPayU Global Payments
corporate.payu.comSide by side
| Figure | Nium for Platforms | PayU Global Payments |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Cross-Border Payment Platforms | 7.7 (#10) | 7.3 (#19) |
| Headquarters | Singapore and San Francisco | Amsterdam, Netherlands |
| Support | Nium says integration support includes a dedicated solutions engineer, a private Slack channel, and 24/7 on-call support during the launch window. | Prospective customers can contact PayU through a form to hear from a team member, and the page lists an Amsterdam address. |
| What it does | Nium lets business platforms embed payouts, multi-currency accounts, cards, and FX through one API. | PayU’s global platform combines payment gateway, processing, and, in some markets, acquiring bank services for online transactions. |
| Who it serves | Nium supports spend management, payroll, treasury, marketplaces, gig economy, SaaS, and B2B embedded finance platforms. | PayU describes its platform as designed for merchants ranging from emerging e-commerce businesses to established global brands. |
Plans
In their own words
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.
PayU Global Payments
PayU Global Payments provides online payment processing and orchestration for merchants selling across markets. Its platform combines a payment gateway and processing, with acquiring bank services available in some markets. Merchants can connect to hundreds of local and global methods, including cards, digital wallets, online bank transfers, QR payments, deferred payments, local schemes and other alternatives. It supports local settlement, multi-currency handling and more than 20 transaction and payout currencies. The Smart Routing Engine uses criteria set by the merchant to route transactions, with the aim of optimizing approvals and fees. Instant Retry can send a declined transaction through another provider to help recover false declines. A shared dashboard shows approval rates and other metrics, compares methods and providers, and supports account management, reports, analysis and audits. Tokenization encrypts payment data and can reduce a merchant’s PCI scope. PayU describes itself as a PCI Level 1-certified processor and says it supports 3D Secure 2.0. Merchants can set up global payments through one API. Pricing is available by contacting PayU.