Comparison · 2026 edition
Nium vs Trolley: payouts compared 2026.
Nium and Trolley side by side in the Payouts and Mass Payments Index 2026: scores, evidence, published facts and awards.
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Nium and Trolley side by side in the Payouts and Mass Payments Index 2026: scores, evidence, published facts and awards.
In the Payouts and Mass Payments Index, Trolley scores higher overall: 4.5 out of 5 (91 out of 100) against 3.4 (67), ranking 1 and 5 of 11. Trolley also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Nium | Trolley |
|---|---|---|
| Score out of 5 | 3.4 | 4.5 |
| Score out of 100 | 67 | 91 |
| Overall rank | 5 of 11 | 1 of 11 |
| For marketplaces and gig platforms (out of 100) | 66, rank 5 | 91, rank 1 |
| For firms paying contractors and creators (out of 100) | 53, rank 6 | 93, rank 1 |
| For payment and fintech firms (out of 100) | 83, rank 2 | 88, rank 1 |
| Type | Cross-border payouts infrastructure | Payouts and tax compliance platform |
Each score with the evidence behind it.
| Criterion | Nium | Trolley |
|---|---|---|
| Global reach | 5/5 190+ countries and 100+ currencies published. | 5/5 210+ countries and 135+ currencies published. |
| Published pricing | 0/5 Not published. | 5/5 Plan prices, per-payment fees by method and the 2.00% conversion margin published; only the top plan is unpriced. |
| Payee onboarding and tax | 1/5 Beneficiary account checks in 50+ countries; recipient portal and tax forms not published. | 5/5 White-label onboarding, identity checks and US and EU tax reporting all published. |
| Payout methods and speed | 5/5 Bank, card, wallet and stablecoin payouts with same-day and real-time delivery stated. | 4/5 Bank, wire, PayPal, Venmo, debit card and check published; no delivery time stated. |
| Integration | 4/5 API, SDK, web portal and a stated go-live time of days. | 4/5 API, accounting integrations and a self-serve trial; bulk upload not confirmed on the pages read. |
| Regulatory standing | 5/5 Licences with numbers in 14 jurisdictions, ISO 27001 and SOC 2 Type 2. | 4/5 UK, US and Canadian licences published with numbers; SOC 2 report offered without its type stated. |
Each criterion is scored 0 to 5 against the best published offer in the Payouts and Mass Payments Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Nium | Trolley |
|---|---|---|
| Global reach | "Reach 190+ countries in fiat or stablecoin"; payouts "in 100+ local currencies". | Pays out to "210+ countries & territories" in "135+ currencies". |
| Pricing | Not published; "Rates and fees are surfaced at the time of the transaction." | Standard: "$0/year + transaction fees"; Pay $2,399 a year; Tax $2,399 a year; Trust $1,199 a year. Per payment: ACH $1.00, wire with FX $10.00, USD wire without FX $25.00, Venmo $1.50, debit card 1.00% ($1.50 min), PayPal $0; currency conversion 2.00%. Trolley Plus: "Talk to Sales". |
| Payout methods and speed | "Deliver to bank accounts, cards, or wallets, in fiat or stablecoin"; "100+ real-time corridors"; real-time markets "can settle same-day". | Not listed in this index |
| Integration | "Go live in days via API, SDK, or web portal"; "Validate beneficiary accounts instantly across 50+ countries". | API and SDK; QuickBooks Online, Xero, NetSuite and Zapier; data exports to Snowflake and Redshift; 30-day trial with no credit card. |
| Regulatory standing | NIUM Pte. Ltd. MAS Major Payment Institution PS20200276; Nium Fintech Limited FCA e-money institution 901024; UAB Nium EU Bank of Lithuania e-money licence No. 14; Nium, Inc. NMLS ID 1528562 with money transfer licences in 36 states; licences also listed for Australia, Canada, Hong Kong, Japan and others. | Trolley Payments UK Ltd: FCA payment institution, reference 771016; Trolley US Inc: FinCEN MSB 31000323661955, NMLS ID 2309944, with state licences listed by number; Trolley CA Inc: FINTRAC M18487871. SOC 2 report access offered. |
| Security | Badges for PCI DSS, ISO/IEC 27001, SOC 2 Type 2 and SOC 1 Type 2. | Not listed in this index |
| Payee onboarding and tax | Not listed in this index | White-label onboarding; Trust covers identity verification and "11,230+ worldwide documents"; IRS statement $2.00 and digital platform reporting (DAC7) $3.00 per unit; tax automated across "30+ jurisdictions". |
| Payout methods | Not listed in this index | Domestic and international bank transfers, wires, PayPal, Venmo, US debit card and checks. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Nium: pricing and payee onboarding and tax.
Not published or not stated by Trolley: payout methods and speed and integration.
Facts read on 26 October 2026 from: nium.com/products/global-payouts, nium.com/regulatory-disclosures; and trolley.com/trolley-pricing, trolley.com/trolley-vs-payoneer, trolley.com/trolley-regulatory-licenses.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Payment and fintech firms needing real-time payouts and licences in many markets.
Platforms paying creators and sellers that want a full published price list.
Tell us what you need and where you operate.