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Nium Launches Verify for Real-time Account Verification to Eliminate Misdirected Global Payments

Nium Launches Verify for Real-time Account Verification to Eliminate Misdirected Global Payments

Nium推出Verify,用於實時帳戶驗證,以消除錯誤的環匯有限公司支付
PR Newswire ·  10/28 19:00

A single API connection to the Nium Network accesses clearing and settlement data from 95% of major banks within 50 countries, verifying global account ownership to improve payment success

通過Nium Network的單個API連接,可以訪問來自50個國家95%主要銀行的清算和結算數據,驗證全球帳戶所有權,以提高支付成功率

SAN FRANCISCO, Calif., Oct. 28, 2024 /PRNewswire/ -- Nium, the leading global infrastructure for real-time cross-border payments, today announced the launch of Nium Verify, a real-time bank account verification solution for businesses and individual accounts, available across 50 markets. Designed to empower businesses with instant verification of beneficiary bank account details, Nium Verify aims to reduce errors, operational inefficiencies, and compliance risks, increasing the confidence of the finality of real-time payments.

加州舊金山,2024年10月28日 / PRNewswire / - Nium是全球領先的實時跨境支付基礎設施,今天宣佈推出Nium Verify,這是一種面向企業和個人帳戶的實時銀行帳戶驗證解決方案,可在50個市場提供。 Nium Verify設計旨在賦予企業即時驗證受益人銀行帳戶詳細信息的能力,旨在降低錯誤,提高運營效率,並減少合規風險,增加實時支付的確定性和可信度。

As companies expand internationally, the need for accurate and secure payment processing has become critical. In 2020, failed payments were estimated to cost the global economy $118.5 billion, creating a huge opportunity for cost savings as well. Traditional methods of account verification are often time-consuming, error-prone, and susceptible to fraud. Nium Verify addresses these challenges by integrating directly with clearing systems and major banks within each country, providing instant confirmation of beneficiary account details before transactions are initiated. Additionally, Verify can be used to streamline onboarding for marketplaces, since the payment does not have to immediately follow the verification.

隨着企業國際擴張,精確安全的支付處理需求變得至關重要。2020年,失敗的支付據估計給全球經濟帶來了1185億美元的損失,也爲成本節約帶來了巨大機會。傳統的帳戶驗證方法通常耗時,容易出錯,並容易受到欺詐。 Nium Verify通過與每個國家的清算系統和主要銀行直接集成,提供受益人帳戶詳細信息的即時確認,然後才啓動交易。此外,Verify可用於簡化市場的入門流程,因爲支付不必立即跟隨驗證。

"Nium Verify comes at a critical time as businesses expand internationally and need to pay multiple beneficiaries across the globe," said Alex Johnson, Chief Payments Officer at Nium. "With Nium Verify, we're providing a solution that not only enhances operational efficiency, but also strengthens security and compliance for cross-border transactions. This helps businesses verify account details with confidence, eliminating costly misdirected payment, preventing fraud and improving customer experience."

"Nium Verify恰逢企業國際擴張之際,需要支付全球多個受益人," Nium首席支付官Alex Johnson說。"通過Nium Verify,我們提供了一個方案,不僅增強運營效率,而且還增強了跨境交易的安全性和合規性。這有助於企業帶着信心驗證帳戶詳細信息,消除昂貴的錯誤支付,防止欺詐,改善客戶體驗。"

Nium Verify benefits Nium's customers by providing:

Nium Verify爲Nium的客戶提供以下優勢:

  • Reduced Payment Failures: Incorrect account information is a leading cause of payment failure, with failure rates often ranging between 10-15%. Verify ensures real-time verification of account details, reducing failure rates and preventing delays.
  • Fraud Prevention and Compliance: Nium Verify ensures that account details match the registered account holder, mitigating fraud risks while meeting regulatory requirements in regions like the UK and EU.
  • Operational Efficiency: By automating the verification process through a single API, Nium Verify eliminates the need for manual intervention, reducing operational costs and expediting payment processes.
  • Faster Settlements: Traditional verification methods can take days. Nium Verify's real-time process reduces settlement delays by up to 5-7 days, allowing for faster and more predictable payments.
  • 減少支付失敗: 錯誤的帳戶信息是支付失敗的主要原因,失敗率通常在10-15%之間。Verify確保帳戶詳細信息的實時驗證,降低失敗率,防止延遲。
  • Nium Verify 確保帳戶信息與註冊帳戶持有者匹配,降低欺詐風險,同時符合英國和歐盟等地區的監管要求。
  • 通過一種單一 API 自動化驗證流程,Nium Verify 消除了手動干預的需要,降低運營成本,加快支付流程。
  • 傳統驗證方法可能需要數天時間,Nium Verify 的實時處理可將結算延遲減少至5-7天,實現更快、更可預測的支付。

"Worldpay processes over 50 billion transactions for an estimated value of $2.3 trillion, and ensuring these payments reach their intended recipients is a top priority," said John McNaught, Head of Payouts at Worldpay, a Nium customer. "Nium Verify is one of the only solutions on the market that allows us to verify account ownership in real-time across multiple markets, potentially saving us millions in costs associated with reconciling misdirected payments. We're looking forward to integrating this technology into a seamless customer experience that reduces payment failures, mitigate fraud, eliminate manual verification, and improves operational efficiencies."

「Worldpay 爲估計價值爲2.3萬億美元的500億筆交易進行處理,並確保這些支付到達預期收款人是首要任務,」Worldpay 支付主管John McNaught(也是 Nium 的客戶)表示。「Nium Verify 是市場上少數幾款能夠讓我們在多個市場實時驗證帳戶所有權的解決方案之一,潛在地能夠節省我們成千上萬與調節錯誤支付相關成本。我們期待將這項技術整合到無縫的客戶體驗中,降低支付失敗率,降低欺詐風險,消除手動驗證,提高運營效率。」

"At ORO, our goal is to humanize and streamline procurement for large enterprises, and a big part of that charter lies with supplier-related risk management," said Sudhir Bhojwani, CEO at ORO Labs, a Nium customer. "Nium Verify can help support that goal by enhancing the efficiency and security of our customers' global supplier payments, where fraud is a common concern. The ability to instantly validate beneficiary account details is a game-changer for our customers, and the real-time process can help them with improved efficiency and compliance, while adding confidence to global B2B transactions."

「在 ORO,我們的目標是爲大型企業人性化、簡化採購流程,其中一個重要計劃是供應商風險管理,」 Nium 的客戶 ORO Labs CEO Sudhir Bhojwani 表示。「Nium Verify 可以通過增強客戶全球供應商支付的效率和安全性來支持該目標,在那裏,欺詐是一個常見問題。立即驗證收款人帳戶詳細信息的能力對於我們的客戶來說是一個絕佳之選,實時處理可以幫助他們提高效率和遵從合規性,同時爲全球的數百億交易增加信心。」

Verify covers all major banks within available markets, providing reliable and comprehensive account verification. The launch of Verify, alongside Nium's recently announced capability that allows financial institutions leverage Swift capabilities and existing infrastructure to connect to Nium's network, deepens the company's comprehensive global payments offering.

Verify 涵蓋了所有可用市場內的所有主要銀行,提供可靠全面的帳戶驗證。Verify 的推出,伴隨 Nium 最近宣佈的允許金融機構利用 Swift 能力和現有基礎設施連接 Nium 網絡的功能,加深了公司全面性的全球支付方案。

About Nium

關於Nium

Nium, the leading global infrastructure for real-time cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 220+ markets, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licences and authorisations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.

Nium是全球領先的實時跨境支付基礎設施,其使命是提供未來的全球支付基礎設施。隨着全球經濟的發展,其支付基礎設施正在塑造銀行、金融科技公司和企業在全球範圍內如何即時收取、轉換和發放資金。其支付網絡支持100種貨幣,覆蓋220多個市場,其中100個市場實時支付。資金可以即時發放到帳戶、錢包和卡上,並在35個市場當地即時收款。Nium不斷增長的卡發行業務已經覆蓋34個國家。Nium在40多個國家擁有監管許可和授權,實現了無縫入賬、快速接入和合規,與地理位置無關。該公司總部設在舊金山和新加坡。

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