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PayNow

PayNow

Singapore transfers

VS

Nium

B2B cross-border payments and card issuance

Nium
Fees from
Custom vs 0.5-1.5% for cross-border B2B transfers
Features

0 shared

2 unique to PayNow · 1 unique to Nium
Regions

2 shared

6 unique to Nium
Pay methods

1 shared

3 unique to PayNow · 3 unique to Nium
On fees

PayNow uses custom pricing, quoted on engagement. Nium publishes 0.5-1.5% for cross-border B2B transfers 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.
PayNow PayNow
Nium Nium
Quick Facts
Fees
Standard transaction rate
Custom
0.5-1.5% for cross-border B2B transfers
Settlement
Time to receive funds
Instant
—
Founded
2017
2014
Headquarters
Singapore
Singapore
Sandbox / Test Mode
—
—
Webhook Support
✓
—
Features
PayNow leads (2 vs 1)
Crypto Support Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Digital Wallet Unique
—
✓
Paynow Unique
✓
—
Qr Code Unique
✓
—
Real Time Payments Unique
✓
—
Stablecoin Unique
—
✓
Regions
Nium leads (8 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia
✓
✓

PayNow is best when you...

Singapore transfers
Need Instant Payout
Not available with Nium
Need Low Fees
Not available with Nium
View PayNow

Nium is best when you...

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

Frequently Asked Questions

What is the difference between PayNow and Nium?
They share 1 payment method and 2 regions. PayNow adds PayNow, QR Code, Real-Time Payments that Nium does not list; Nium adds Credit Card, Digital Wallet, Stablecoin that PayNow does not list; Nium also covers Africa, Europe and 4 more; only PayNow offers Instant Payout, Low Fees.
Which is cheaper, PayNow or Nium?
PayNow has custom pricing quoted on engagement; Nium has published rates from 0.5-1.5% for cross-border B2B transfers. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayNow and Nium?
PayNow lists 2 regions and 4 payment methods; Nium lists 8 and 4. both cover Asia, Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayNow and Nium compare on integration and settlement?
PayNow supports webhooks; PayNow publishes a settlement time of Instant.

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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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