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TerraPay

TerraPay

Global Real-Time Settlements

VS

Nium

B2B cross-border payments and card issuance

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

0 shared

2 unique to TerraPay · 1 unique to Nium
Regions

4 shared

4 unique to Nium
Pay methods

1 shared

1 unique to TerraPay · 3 unique to Nium
On payment methods

Nium supports 4 payment methods, 2 more than TerraPay. Verify directly with each provider before signing.

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Show full specs
3 features · 5 payment methods · 8 regions. We don't rank these — they're here for reference.
TerraPay TerraPay
Nium Nium
Quick Facts
Fees
Standard transaction rate
Per-transaction
0.5-1.5% for cross-border B2B transfers
Settlement
Time to receive funds
—
—
Founded
2014
2014
Headquarters
Amsterdam, Netherlands
Singapore
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
TerraPay leads (2 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Payment Methods
Nium leads (4 vs 2)
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Digital Wallet Unique
—
✓
Mobile Money Unique
✓
—
Stablecoin Unique
—
✓
Regions
Nium leads (8 vs 4)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

TerraPay is best when you...

Global Real-Time Settlements
Need Enterprise
Not available with Nium
Need Instant Payout
Not available with Nium
View TerraPay

Nium is best when you...

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

Frequently Asked Questions

What is the difference between TerraPay and Nium?
They share 1 payment method and 4 regions. TerraPay adds Mobile Money that Nium does not list; Nium adds Credit Card, Digital Wallet, Stablecoin that TerraPay does not list; Nium also covers Latin America, Middle East and 2 more; only TerraPay offers Enterprise, Instant Payout.
Which is cheaper, TerraPay or Nium?
TerraPay has published rates from Per-transaction; 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 TerraPay and Nium?
TerraPay lists 4 regions and 2 payment methods; Nium lists 8 and 4. both cover Africa, Asia, Europe and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TerraPay and Nium compare on integration and settlement?
TerraPay offers a sandbox, Nium does not list one; TerraPay supports webhooks.

Are you TerraPay or Nium?

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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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