Nium Payments uses the concept of either pre-funded or credit funding accounts to load money onto a virtual card. Whilst pre-funded funding accounts allow you to use only your own funds, credit funding accounts enable you to use your credit allocation, depending on the configuration of your Business Account.
The funds of any funding account can be replenished via a funding source, such as a bank account.
Note: The use of credit funds depend on the agreed terms and conditions. To get more information, contact your Nium support team.