# Nium vs TrueLayer

| Attribute | Nium | TrueLayer |
|---|---|---|
| **Vioscale score** | 61.1 (14% (low)) | 64.9 (44% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Global payments platform enabling multi-currency accounts, physical and virtual card issuance, and international payouts to 190+ countries with real-time processing available in 100+ countries. | Europe's leading open banking platform enabling Pay by Bank payments. TrueLayer's network of 24M+ consumers processes $116B in annualized volume, helping merchants reduce payment costs and improve conversion. |
| features.capabilities | `{"capability":"money_movement","money_rails":"Accounts, cards, wallets","card_issuing":true,"geo_coverage":"190+ countries","baas_accounts":true,"pricing_model":"quote","multi_currency":true,"target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"data_aggregation","pci_dss_l1":false,"money_rails":"Pay by Bank (bank transfer based)","card_issuing":false,"geo_coverage":"Europe, UK primary","target_segment":"enterprise","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true}` |
| market.availability | `{"hqCountry":"SG","primaryMarkets":["SG","GB","US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"regional","availableCountries":["GB"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing.model | commercial | commercial |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | yes | yes |
| security.iso27001 | - | yes |
| security.soc2 | - | yes |

## Capabilities (Fintech Infrastructure)

| Capability | Nium | TrueLayer |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Money movement | Data aggregation |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | ✓ | ✗ |
| Banking-as-a-service / accounts | ✓ | - |
| Data aggregation / open banking | ✓ | ✓ |
| Payouts / disbursements | ✓ | - |
| Money movement rails (ACH, RTP, wire, card) | Accounts, cards, wallets | Pay by Bank (bank transfer based) |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | 190+ countries | Europe, UK primary |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | ✗ |
| SOC 1 / SOC 2 attestation | - | - |
| PSD2 / Open Banking licensed | - | ✓ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | - |
| **Pricing** |  |  |
| Pricing model | Quote / platform fee | - |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: Vioscale. Generated 2026-09-01T16:52:11.975Z. "-" = undocumented, not absent.*