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. Programs can set spending limits, permissions, merchant controls, and rules for transaction types, channels, geographies, and merchant categories. Cards can link to consumer or corporate wallets, with funds loaded, held, and spent in real time. Teams can manage card activity and statements through APIs or the Nium web portal. Supported schemes include Visa, Mastercard, and Discover, depending on market and program setup. Listed security and risk tools include 3DS, tokenization, lifecycle controls, fraud-risk tools, and chargeback support for eligible disputes. Nium describes uses in corporate spending and procurement, payouts and disbursements, and travel and hotel payments. 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. Pricing and program terms are available on request. Issuance is limited to approved countries, and documentation sets a maximum of 1,000 active or locked cards per customer, with lower program limits possible.