Nium Physical and Virtual Cards

What Nium Physical and Virtual Cards is

Nium Physical and Virtual Cards lets businesses issue physical, virtual, and digital cards funded by fiat or stablecoins. Card programs can set spending limits, permissions, merchant controls, and rules for transaction types, channels, geographies, and merchant categories. Cards can connect to consumer or corporate wallets, with funds loaded, held, and spent in real time. Teams can manage card activity and statements through APIs or Nium’s web portal.

Supported card schemes include Visa, Mastercard, and Discover, depending on market and program setup. The product page lists 3DS, tokenization, lifecycle controls, fraud-risk tools, and chargeback support for eligible disputes. Nium describes use cases in corporate spending and procurement, payouts and disbursements, and travel and hotel payments. Its compliance support includes onboarding, KYC workflows, transaction monitoring, fraud risk management, and dispute management. Developers can use APIs, SDKs, guides, a production-like sandbox, an OpenAPI specification, and a Postman collection. Card issuing can connect with Nium wallets, balances, FX, and payouts. The company describes expert support for program design, onboarding, launch, and ongoing management. Program terms and pricing are available on request. Issuance is limited to approved countries, with a maximum of 1,000 active or locked cards per customer; lower program limits may apply.

Who it suits

Nium suits businesses building card programs for corporate spending, procurement, payouts, disbursements, or travel and hotel payments. It is also suited to teams that need card controls, API access, and support with onboarding and program management.

Limits

Card documentation sets a maximum of 1,000 active or locked virtual or physical cards per customer, and lower program limits may apply. Issuance is limited to approved countries, and physical cards cannot be shipped to cross-border markets.

Getting started

1. Visit Nium’s physical and virtual cards page.
2. Contact Nium to discuss pricing, program terms, and approved markets.
3. Use the APIs, SDKs, guides, sandbox, OpenAPI specification, or Postman collection to develop the program.
4. Work with Nium on program design, onboarding, and launch.
5. Manage card activity and statements through the APIs or Nium web portal.

Verdict

Choose Nium if your business needs a configurable card program for spending, payouts, or travel, with APIs, wallet connections, and compliance support. Look elsewhere if you need published pricing or issuance outside approved countries; program limits can also be lower than 1,000 cards per customer.