# Global Real-Time Payments | Nium

Move money around the world quickly, safely and easily with Nium’s modern global cross-border payments and card issuance solutions for businesses across the world.

## Payment Solutions

- [Multi Currency Accounts](https://www.nium.com/products/multi-currency-accounts): Open global accounts and fund in local currency.
- [Global Card Issuance](https://www.nium.com/products/issue-cards): Issue physical and virtual cards for real-time payments.
- [Global Payouts](https://www.nium.com/products/global-payouts): Send payouts to 190+ countries via local currencies and methods.
- [Global FX](https://www.nium.com/products/global-fx): Access transparent FX rates and avoid hidden markups.
- [Global Account Verification](https://www.nium.com/products/global-account-verification): Pre-validate beneficiary account details, instantly.

## Platforms and APIs

- [Nium Portal](https://www.nium.com/products/nium-portal): Manage multiple payment applications from one dashboard.
- [API Overview](https://docs.nium.com/apis): Go from idea to implementation quickly using bank-grade APIs.
- [Connect via Swift](https://www.nium.com/connect-to-nium-via-swift): Initiate Swift transactions through Nium’s network.

## Industry Solutions

- [Banks](https://www.nium.com/solutions/banks): Move money across borders in real-time with secure solutions for licensed financial institutions.
- [Money Transfer Operators](https://www.nium.com/solutions/money-transfer-operators): Expand your operations seamlessly around the world with payment corridor support for 190+ countries.
- [Payroll](https://www.nium.com/solutions/payroll): Pay employees anywhere with competitive FX, real-time payments, and direct debit options.
- [Marketplaces](https://www.nium.com/solutions/marketplaces): Accelerate business growth with white-label payout solutions for global marketplace platforms.
- [Spend Management](https://www.nium.com/solutions/spend-management): Take control of corporate purchasing and simplify supplier payments.
- [Creator Economy](https://www.nium.com/solutions/creator-economy): Pay content creators quickly and affordably, wherever they are in the world.
- [Online Travel Agencies](https://www.nium.com/solutions/online-travel-agencies): Maximize efficiency and profitability with flexible travel payments to optimize partner relationships.
- [Airlines](https://www.nium.com/solutions/airlines): Streamline operations and lower cost with closed-loop payment solutions.
- [Hotels](https://www.nium.com/products/hotels): Streamline supplier payments and reduce fraud risk with virtual cards.

## Resources and Insights

- [Case Studies](https://www.nium.com/case-studies): Success stories and insights from leading businesses.
- [Insights](https://www.nium.com/resources/category/insights): Podcast interviews, premium white papers, and ebooks.
- [Events](https://www.nium.com/events): Meet our Nium experts at an industry event.
- [Blog](https://www.nium.com/blog): Posts on latest product releases and company updates.
- [Newsroom](https://www.nium.com/newsroom): Latest announcements and press releases.
- [View All](https://www.nium.com/resources): View all of our resource section content here.
- [FX Calculator](https://www.nium.com/global-fx/fx-tool): Compare a given rate with our transparent FX rates.
- [Licenses](https://www.nium.com/licenses): Explore our license coverage around the world.
- [Corporate Onboarding](https://www.nium.com/guides/corporate-onboarding): Verify your business to open an account with Nium.
- [Payments Platform Docs](https://docs.nium.com/): Send money on-demand to 190+ countries, 100+ in real time.
- [Travel Platform Docs](https://docs.nium.com/travel): Optimize payments to online travel agencies, airlines, and hotels.

## Company Information

- [About Nium](https://www.nium.com/about-us): Learn who we are and how we’re changing the way the world pays.
- [Partners](https://www.nium.com/partners): Collaborate with Nium as a Referral or Technology Partner.
- [Careers](https://www.nium.com/careers): Apply to one of our open roles to join our global mission.
- [Contact Us](https://www.nium.com/contact-us): Get in touch with our team.
- [Office Locations](https://www.nium.com/contact-us/locations): Explore our global locations.

## Additional Resources

- [Get started](https://www.nium.com/get-started): Begin your journey with Nium.
- [Read the announcement](https://www.nium.com/newsroom/nium-launches-verify-for-real-time-account-verification-to-eliminate-misdirected-global-payments): Stay updated with our latest announcements.
- [Legal](https://www.nium.com/legal): Review our legal terms and conditions.
- [Privacy](https://www.nium.com/privacy/privacy-policy): Understand our privacy policies.
- [Trust Center](https://nium.trustcenter.sprinto.com/): Learn about our security measures.
- [Your Privacy Choices](javascript: Cookiebot.renew()): Manage your privacy preferences.
- [IFSM (Malta)](https://www.nium.com/legal/ifsm-complaints-handling-policy): Information on our Malta license.

## API Endpoints

- [Payout API](https://docs.nium.com/apis/docs/transfer-money): API for managing payouts.
- [Payin API](https://docs.nium.com/apis/docs/program-client-and-client-prefund-account): API for managing incoming payments.
- [Issue Cards API](https://docs.nium.com/apis/docs/card-overview): API for issuing cards.
- [Global Account Verification API](https://docs.nium.com/apis/docs/account-verification): API for account verification.