Real-time payouts network · comparison
Nium vs FeeGuard: network scale vs per-transfer accountability
Moving money well and auditing money that moved wrongly are separate jobs. Nium handles the first, across borders and at volume. This page is about the transfers a refund should have pulled back and did not — including where Nium wins outright.
What Nium does
cross-border payment infrastructure emphasising real-time payout reach for institutions. Source: https://www.nium.com.
That is real capability in its lane — and the lanes below show precisely where it ends.
Everything said here about Nium is summarised from its own public materials at the link above, never from private knowledge of how it works inside. Products change; if any line has gone out of date, tell us at feeguard@teamveristria.com and we will correct the page rather than argue about it.
Side by side: FeeGuard vs Nium
Eight capabilities a Connect platform needs. No empty cells — every row states what each product actually does.
| Capability | FeeGuard | Nium |
|---|---|---|
| Unreversed-transfer detection | Yes — computed on every `charge.refunded` event: proportional expectation, rounding tolerance, ratio clamping | Not applicable — institutional rail. |
| Application-fee leak detection | Yes — application fees tested against reversals via Net Platform Margin; zero- and three-decimal currencies handled | Not applicable — fees institutional. |
| Dispute-loss clawback support | Yes — recoverable figure computed on `dispute.closed` (transfer remainder, fee excluded); early warning on `created`; gated automation | Not applicable — rail-level handling. |
| Cross-border FX monitoring | Yes — realised rates measured against same-day currency-pair baselines; directional loss flagging beyond 0.8% | Partial — network FX. |
| Runs on your live Stripe Connect account today | Yes — read-only restricted key, roughly ten minutes to first findings, revocable anytime | Institutional rail |
| Performs recovery actions | One-click manual reversals (free tier); risk-gated automation with idempotency keys on Monitor Pro | Their tooling |
| Evidence & audit trail | Append-only trail on every action; finding-level evidence ids exportable as CSV | Within platform |
| Pricing model | Detection and the 90-day lookback free · monitoring is a subscription from $49/mo · success fee only when eligible funds are recovered | See vendor site |
Where Nium genuinely wins
- — Institutional reach including hard markets.
- — Real-time corridors material for some flows.
Why platforms choose FeeGuard over Nium
- The return path, not the send path. Payout rails optimise money going out; these detectors watch what should have come back and did not.
- All four vectors, natively. Unreversed transfers, kept fees, uncovered dispute losses and FX drag are separate detectors with separate arithmetic, not one heuristic wearing four labels.
- Free before you pay anyone. Detection and the 90-day lookback cost nothing — measure your stranded dollars before committing to any vendor, including us.
- Ten-minute, read-only setup. One restricted key you create and revoke; no migration, no seller re-onboarding, no payment-path changes.
- Recovery is billed on results. The success fee applies only to dollars actually recovered and confirmed in Stripe — if nothing recovers, nothing bills.
- Evidence-grade trail. Append-only logs with finding-level arithmetic — ready for controllers, auditors and diligence teams.
Bottom line
Rails optimise speed; audits optimise truth. Marketplaces need both speeds at once. If your problem lives in real-time payouts network, Nium deserves its reputation. If your problem is a platform balance lower than your ledger predicts — refunds succeeding while transfers never come home — that problem has exactly one purpose-built answer, and you are reading it. Run the free audit; the number settles the debate faster than any comparison page can.
Common questions
Nium direct for marketplaces?
Primarily via builders/partners; Connect-platform operators remain our audience regardless.
Is FeeGuard a better choice than Nium?
For real-time payouts network, Nium is the specialist and we say so plainly. For detecting and recovering silent Stripe Connect losses — the four vectors above — FeeGuard is purpose-built and Nium does not perform that function. Most platforms comparing the two are feeling the second problem.
Can we run Nium and FeeGuard together?
Yes, commonly. They operate on different objects and different events; neither conflicts with the other’s workflow.
What does switching cost us?
Nothing upfront: read-only key, ten-minute setup, free detection. Recovery carries a success fee only on confirmed dollars — so trying FeeGuard risks no budget at all.