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Nium

Nium

B2B cross-border payments and card issuance

VS

Divvy

Corporate card + expense management for US SMBs

Divvy
Fees from
0.5-1.5% for cross-border B2B transfers vs Free software; card revenue via interchange
Features

0 shared

1 unique to Nium · 2 unique to Divvy
Regions

1 shared

7 unique to Nium
Pay methods

1 shared

3 unique to Nium · 3 unique to Divvy
On fees

Nium publishes 0.5-1.5% for cross-border B2B transfers from. Divvy publishes Free software; card revenue via interchange from. Verify directly with each provider before signing.

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Show full specs
3 features · 7 payment methods · 8 regions. We don't rank these — they're here for reference.
Nium Nium
Divvy Divvy
Quick Facts
Fees
Standard transaction rate
0.5-1.5% for cross-border B2B transfers
Free software; card revenue via interchange
Settlement
Time to receive funds
—
—
Founded
2014
2016
Headquarters
Singapore
Draper, UT, US
Sandbox / Test Mode
—
—
Webhook Support
—
✓
Features
Divvy leads (2 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Bank Transfer Unique
✓
—
Credit Card
✓
✓
Digital Wallet Unique
✓
—
Mastercard Unique
—
✓
Stablecoin Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
Nium leads (8 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—
Southeast Asia Unique
✓
—

Nium is best when you...

B2B cross-border payments and card issuance
Need Crypto Support
Not available with Divvy
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania, Southeast Asia
Divvy doesn't cover these regions
View Nium

Divvy is best when you...

Corporate card + expense management for US SMBs
Need Enterprise
Not available with Nium
Need Startup Friendly
Not available with Nium
View Divvy

Frequently Asked Questions

What is the difference between Nium and Divvy?
They share 1 payment method and 1 region. Nium adds Bank Transfer, Digital Wallet, Stablecoin that Divvy does not list; Divvy adds Mastercard, Virtual Card, Visa that Nium does not list; Nium also covers Africa, Asia and 5 more; only Nium offers Crypto Support.
Which is cheaper, Nium or Divvy?
Nium has published rates from 0.5-1.5% for cross-border B2B transfers; Divvy has published rates from Free software; card revenue via interchange. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Nium and Divvy?
Nium lists 8 regions and 4 payment methods; Divvy lists 1 and 4. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Nium and Divvy compare on integration and settlement?
Divvy supports webhooks.

Are you Nium or Divvy?

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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