Nium: balances, prefunding and reporting
Nium is a global payments platform that lets businesses, banks and remittance companies send payouts to bank accounts, cards, digital wallets and cash pickup in over 190 countries, with real-time payouts in more than 100. Clients prefund a client prefund account by bank transfer to a Nium virtual account and raising a prefund request, then track balances with GET /api/v1/client/{clientHashId}/balances, prefund and payout webhooks, and a daily Ledger Summary report.
What Nium does
- Nium Payouts send money to individuals or businesses for P2P, B2P, B2B and P2B transactions. source
- Payouts can be sent by API, through the Nium Portal (single or batch payouts without code), through Nium Connect using Swift MT or ISO 20022 messages, or through a custom integration. source
- Nium wallets hold balances in every currency the client's Nium One program configures, and a customer can have multiple wallets. source
- Virtual account numbers can be assigned to customers' multicurrency wallets and to client prefund accounts. source
- Nium also offers multi-currency accounts, FX conversion across 125+ currencies, stablecoin payouts and card issuing. source
Coverage
- Nium Payouts reach over 190 countries, with real-time, on-demand payments in more than 100 countries. source
- Payouts are delivered to a beneficiary's bank account, card or digital wallet, and through cash pickup in some countries. source
- Nium states it can hold, convert and collect in 100+ currencies from one account (homepage, as of October 2026). source
- Nium publishes country guides for US ACH payouts (including same-day ACH and IAT), Canadian EFT and Interac, SEPA Instant and SEPA Credit (EUR), and Faster Payments and CHAPS (GBP). source
How funds are held and prefunded
- Client prefund means adding balance to the client account on the platform; that balance then funds customer wallets. source
- Step one is a bank transfer to Nium's bank account (virtual account number) provided to the client, keeping the transfer reference number. source
- Step two is a prefund request via POST /api/v1/client/{clientHashId}/prefund with amount, currency, bank reference, transfer date, Nium account number and client account number. source
- The platform verifies the transfer against the prefund request, approves it and makes the funds visible in the client prefund account. source
- Client_Prefund is the transaction type for a credit to the client pool balance; Client_Refund is a deduction from it back to the client. source
- On Nium's Payout/Pay-In Platform, funds are applied to a currency wallet as soon as they reach Nium's bank account when the 12-digit wallet ID is in the payment narrative. source
How to see your Nium balance
| Channel | What it gives you | Source |
|---|---|---|
| API | Client Prefund Balances: GET /api/v1/client/{clientHashId}/balances returns each CLIENT_POOL balance by currency, with a default flag and created and updated timestamps. | source |
| webhook | Prefund Approval webhook (template CARD_PRE_FUND_APPROVAL_WEBHOOK) notifies the client of an approved prefund with currency, amount, transaction ID, bank reference, remitter details and pay mode. | source |
| webhook | Remit Transaction Awaiting Funds webhook fires when a payout is requested but the wallet on the given walletHashId lacks sufficient balance. | source |
| report | Ledger Summary is a once-a-day CSV (Client_Ledger_ Summary_Report_{clientHashId}_YYYYMMDD.csv) with opening and closing balances, credits and debits for the client pool and wallet pool per currency, plus totals by transaction type including Client_Prefund. | source |
| portal | A client administrator can view or download the Ledger Summary report in the Nium back-office, and it can also be delivered over SFTP. | source |
| statement file | Customer account statements are generated through the Report APIs or user interface in CSV or PDF, per currency or multicurrency, covering up to six months of data. | source |
| API | Fetch Transactions: GET /api/v1/client/{clientHashId}/customer/{customerHashId}/wallet/{walletHashId}/transactions returns wallet transactions, filterable by systemReferenceNumber. | source |
| API | On Nium's Payout/Pay-In Platform, GET /api/v1/balance/all and GET /api/v1/balance/currency/{currency} return account_number, currency and available balance, and GET /api/v1/account/reconciliation returns debits and credits for an account over a date range. | source |
Regulation
- Singapore: NIUM Pte. Ltd. is regulated by the Monetary Authority of Singapore as a Major Payment Institution (licence PS20200276). source
- United Kingdom: Nium Fintech Limited (FRN 901024) and Nium Payments UK Limited (FRN 900800) are authorised EMIs, and Nium Solutions Limited (FRN 721549) is an authorised payment institution, all with the FCA. source
- EU: UAB Nium EU is an Electronic Money Institution regulated by the Bank of Lithuania (licence 14, 28 September 2017), passported across the EEA; Nium Financial Services Malta Limited is authorised by the MFSA. source
- United States: Nium, Inc. (NMLS ID 1528562) lists money transmitter licences approved in 36 states, and operates programmes sponsored by Community Federal Savings Bank and Cross River Bank. source
- Australia: Nium Pty Limited holds AFSL 464627 and is registered with AUSTRAC as an independent remittance dealer; Canada: Nium Canada Corporation is registered with FINTRAC (M15669293) and as a PSP with the Bank of Canada. source
- Other listed regulated entities include Nium Limited (Hong Kong Money Service Operator), Nium Sdn. Bhd. (Bank Negara Malaysia Class B MSB), Nium Japan K.K. (Type I and Type II Funds Transfer Service Provider), PT Nium Mitra Indonesia (Bank Indonesia) and Nium Instituição de Pagamento Ltda (Brazil EMI, August 2025). source
Connecting Nium to Polynopsis
Forward Nium balance reports and statements to your Polynopsis statement inbox. A direct API connector is on the roadmap. Polynopsis shows it next to every bank, payout partner, exchange and wallet in one live position.
Frequently asked questions
How do I check my Nium prefund balance by API?
Call GET /api/v1/client/{clientHashId}/balances. It returns your CLIENT_POOL balance in each currency, with a default flag and the last update time.
How do I prefund Nium?
Send a bank transfer to the Nium virtual account number provided to you, then raise a prefund request with POST /api/v1/client/{clientHashId}/prefund quoting the bank reference. Nium verifies and approves it, and a Prefund Approval webhook confirms the credit.
Which Nium report shows my daily opening and closing balance?
The daily Ledger Summary CSV shows opening and closing balances, credits and debits for the client pool and wallet pool per currency. It is set up on request and is available in the Nium back-office or over SFTP.
Other payout partners and providers
Sources
- Payouts · Nium
- Country and Regional Guides · Nium
- Prefund Account · Nium
- Wallets · Nium
- Ledger Summary report · Nium
- Customer Account Statements · Nium
- Prefund Approval webhook · Nium
- Remit Transaction Awaiting Funds webhook · Nium
- Transactions · Nium
- Customer Funding · Nium
- Nium homepage · Nium
- Licences · Nium
- Payout/Pay-In Platform: Get balance for all the accounts · Nium
- Payout/Pay-In Platform: Get balance by currency · Nium
- Payout/Pay-In Platform: Accounts Reconciliation · Nium
- Payout/Pay-In Platform: Funds and Ledger Management · Nium
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.