Options, Charges & Is It Value It?

NOWPayments Overview: Fast Verdict

NOWPayments is a crypto-native fee gateway designed for companies that prioritise broad cryptocurrency help, versatile settlement choices, and comparatively low transaction charges. With help for 350+ cryptocurrencies and options equivalent to non-custodial settlement and auto-conversion, it affords a sensible choice for retailers working in international or altcoin-heavy markets. .

The platform’s major strengths lie in its aggressive pricing strengths, intensive coin protection, and selection between custodial and non-custodial fee flows. Auto-conversion options might help retailers cut back publicity to cost volatility, whereas integrations with main e-commerce platforms make it accessible for on-line shops and service-based companies.

NOWPayments Options and Merchandise

Cryptocurrency Assist (350+)

NOWPayments helps greater than 350 cryptocurrencies in 2025. Main cash equivalent to Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) lead the listing. They’re adopted by altcoins like Cardano (ADA) and Polkadot (DOT).

Stablecoin Assist and Volatility Administration

The platform helps 30+ stablecoins, together with extensively used choices equivalent to USDT, USDC, and DAI throughout a number of blockchain networks. These stablecoins are generally utilized by retailers to scale back publicity to cost volatility.

NOWPayments additionally affords auto-conversion options, permitting incoming funds to be transformed instantly right into a most popular settlement forex. Retailers can select their settlement asset, equivalent to a selected stablecoin, with alternate charges locked on the time of fee.

Including New Cryptocurrencies

NOWPayments follows a structured course of for including new cryptocurrencies. Asset requests are reviewed frequently, and supported cash are evaluated for community reliability, liquidity, and technical stability. As soon as testing is full, newly accredited belongings are usually added inside a number of weeks.

E-commerce Integrations

WooCommerce integration is obtainable through a free WordPress plugin. Retailers can add crypto fee buttons on to their checkout, with orders and fee statuses synced in actual time by means of WooCommerce dashboard.

Shopify integration is carried out by means of devoted apps or API keys. Retailer homeowners can allow crypto checkout whereas sustaining automated order and stock updates primarily based on confirmed funds.

For extra advanced necessities, the Magento 2 module helps superior customisation. It’s nicely fitted to enterprise or high-volume shops the place builders could must tailor checkout flows, settlement logic, or reporting.

PrestaShop, OpenCart and ZenCart plugins are typically simple to put in through their respective marketplaces. These integrations usually help sandbox mode, permitting retailers to check fee flows earlier than going reside.

For internet hosting suppliers and SaaS companies, WHMCS integration permits direct crypto billing for shoppers. Subscription funds might be automated, making it appropriate for recurring invoicing and service-based pricing fashions.

API and Developer Instruments

NOWPayments supplies a REST API with clear documentation protecting core features equivalent to fee creation, bill administration, and payouts. Builders can entry well-defined endpoints for widespread workflows, together with code examples in languages equivalent to Python, JavaScript, and PHP.

For easier integrations, the platform affords embeddable fee widgets and buttons that may be added to most web sites with out intensive growth work. These parts help primary customisation, together with branding choices equivalent to colors and logos, and might generate QR codes for cell funds.

NOWPayments additionally consists of an invoicing system that enables retailers to create fee requests rapidly. Invoices might be shared through e mail or messaging platforms, with fee standing tracked by means of the service provider dashboard or through webhooks.

A sandbox surroundings is obtainable for testing integrations earlier than launch. . This surroundings simulates reside fee move utilizing take a look at funds, permitting builders to validate checkout logic, callbacks, and settlement dealing with with out processing actual transactions.

Non-custodial/ Custodial Choices

NOWPayments affords each non-custodial and custodial settlement fashions, permitting retailers to decide on how funds are dealt with primarily based on their operational preferences and threat tolerance.

Within the non-custodial mode, funds are despatched on to the service provider’s personal pockets after blockchain affirmation. . The platform doesn’t maintain funds on the service provider’s behalf, and retailers retain full management over their personal keys and belongings.

This setup is usually most popular by companies that prioritise self-custody, safety, and independence, however it requires retailers to handle wallets and key storage themselves.

Underneath the custodial mode,  NOWPayments handles fee conversion and payouts on behalf of the service provider. Funds might be settled in a particular cryptocurrency or transformed mechanically, serving to cut back publicity to cost volatility.

This method is commonly higher suited to newcomers or companies that favor a less complicated setup and don’t wish to handle wallets or personal keys straight.

The selection between custodial and non-custodial modes is dependent upon the extent of management and comfort a enterprise requires. Some retailers use a mixture of each: choices for non-custodial settlement in sure circumstances whereas counting on custodial options for automated conversions or simplified operations.

Safety consinderations differ barely in each modes. Non-custodial mode eliminates reliance on a 3rd get together for fund custody, whereas  custodial mode usually consists of extra safeguards equivalent to platform-level safety controls and threat administration measures.

Auto-conversion Function

NOWPayments affords an auto-conversion characteristic that’s triggered as soon as a fee is confirmed on the blockchain. It mechanically converts accepted crypto into a particular settlement asset, equivalent to a stablecoin or one other supported crypotocurrency.

Retailers can select their most popular settlement forex, generally stablecoins like USDT or USDC, to assist cut back publicity to cost volatility. Alternate charges are usually locked on the time of fee affirmation, offering higher predictability for income reporting. Clients, in the meantime, will pay utilizing their most popular cryptocurrency with out affecting how retailers obtain funds.

Auto-conversion helps a variety of forex pairs throughout supported networks. Charges for conversion are clear and usually aligned with the platform’s customary processing charges, permitting retailers to issue them into general transaction prices.

Mass Payouts

NOWPayments helps mass payouts, enabling companies to ship cryptocurrency funds to a number of recipients in a single operation. This characteristic is designed for firms that often distribute funds to associates, contractors, companions, or service suppliers.

Utilizing batch-processing, retailers can add pockets addresses and fee quantities (usually through CSV information) and execute payouts effectively. Transactions are validated and processed in teams, serving to cut back guide effort and administrative overhead.

Mass payouts are generally utilized in  online marketing packages,  freelance platforms, and international contractor networks. In comparison with conventional financial institution transfers, crypto-based payouts might be sooner and less expensive, significantly for worldwide recipients.

Charges usually include a percentage-based payout cost plus relevant community charges, with pricing topic to quantity and utilization.

White-label Options

The platform additionally affords white-label fee options for companies that wish to current crypto funds underneath their very own model. In a white-label setup, retailers can exchange NOWPayments’ branding with their very own, making a extra constant and native checkout expertise for patrons.

By way of API-based customization, enterprises can alter interface parts equivalent to colors, textual content, and fee flows to match their branding and operational necessities. This feature is mostly geared toward bigger companies or platforms with in-house growth sources.

White-label pricing is usually supplied underneath enterprise-level plans and should embody a set month-to-month price along with transaction fees. Prices and options range primarily based on quantity, degree or customization, and help necessities.

NOWPayments Charges and Pricing

NOWPayments units a base price of 0.5% on a regular crypto fee transaction.. This base price applies to every  fee processed by means of the gateway. Retailers processing increased transaction volumes could qualify for reduces charges. Based on the platform’s pricing construction, processing thresholds, equivalent to increased month-to-month Bitcoin volumes, can unlock decrease base charges. Precise eligibility and discounted charges rely on account exercise and are topic to approval.

When auto-conversion is enabled, an extra price of roughly 0.5% applies, bringing the entire value of transformed transactions to round  1% excluding community charges. Community charges range relying on the cryptocurrency and the community chosen. Retailers can usually select lower-cost networks the place supported, which can assist optimize general transaction prices.

Fiat withdrawals price usually vary from 1.5% to2.3%, relying on the payout technique and area. Crypto payouts don’t often carry an extra service price past relevant community prices.

NOWPayments doesn’t cost setup charges or recurring month-to-month charges for normal gateway utilization, making pricing largely usage-based.

NOWPayments operates as a part of the broader ChangeNOW ecosystem, which has been energetic since 2019. This affiliation supplies operational continuity and shared infrastructure throughout associated crypto providers.

NOWPayments doesn’t function as a licensed monetary establishment in the identical method as some fiat-focused fee processors. As a substitute, it features as a crypto fee gateway, with options and compliance practices designed round cryptocurrency transactions. Companies utilizing the platform are chargeable for making certain that its use aligns with relevant native rules.

Fame and Person Suggestions

Person suggestions throughout third-party overview platforms displays a mixture of constructive experiences and reported limitations. Retailers ceaselessly cite broad crypto help and versatile settlement choices as strengths, whereas some opinions level to points equivalent to integration friction or response-time variability.

As with many crypto-native platforms, reported points usually relate to configuration, community circumstances, or third-party integrations somewhat than custody of funds. Updates and fixes are launched periodically, and retailers are suggested to check integrations totally earlier than deploying them in manufacturing environments.

Easy methods to Interpret Belief Alerts

NOWPayments’ belief profile is greatest evaluated in context. It’s a crypto-focused gateway somewhat than a regulated fiat processor, and its safety mannequin prioritises non-custodial settlement choices and operational controls over conventional monetary licensing. For companies snug working inside a crypto-native framework, this can be enough; others could favor suppliers with formal regulatory licensing and enterprise compliance certifications.

NOWPayments Supported Cryptocurrencies

As of 2025, NOWPayments helps 350+ cryptocurrencies, protecting a broad vary of use circumstances throughout blockchains. Assist consists of extensively used belongings equivalent to Bitcoin, Ethereum, Litecoin, XRP, and Bitcoin Money. These type the core of most fee exercise on the platform and are generally used for each retail and enterprise transactions.

NOWPayments helps 30+ stablecoins, together with USDT, USDC, DAI, and BUSD, throughout a number of blockchain networks. Stablecoins are sometimes utilized by retailers to scale back publicity to cost volatility whereas sustaining the advantages of crypto-based settlement.

Along with main belongings, the platform helps a wide array of high altcoins equivalent to UNI, AAVE, LINK, and COMP. These belongings span ecosystems together with Ethereum, Binance Sensible Chain, and Solana, permitting retailers to simply accept funds from customers throughout completely different blockchain environments.

New cryptocurrency listings observe a structured analysis course of. Requests might be submitted by means of the service provider dashboard, after which belongings are reviewed for components equivalent to liquidity, community stability, and technical compatibility. Accredited belongings are usually added inside a number of weeks, relying on overview outcomes.

NOWPayments vs Opponents

NOWPayments vs BitPay

BitPay is a long-established crypto fee supplier with a powerful presence in regulated markets, significantly the US. NOWPayments, in contrast, focuses on broader cryptocurrency protection and versatile settlement choices.

NOWPayments typically affords decrease base processing charges and considerably wider cryptocurrency help. It additionally supplies a non-custodial settlement choice, which can attraction to retailers preferring direct management over funds. BitPay, nevertheless, affords extra options equivalent to crypto-linked debit playing cards in choose areas, which can be related for some customers.

CoinGate is a Europe-based gateway identified for its regulatory alignment and Bitcoin-focused options, together with Lightning Community help. In comparison with CoinGate, NOWPayments affords decrease base charges and a a lot bigger choice of supported cryptocurrencies. CoinGate, nevertheless, stands out for retailers primarily accepting Bitcoin and for extra choices equivalent to crypto-funded reward playing cards.

Key Variations:

• Charges: NOWPayments’ base price is usually decrease than CoinGate’s customary charge.
• Crypto Protection: NOWPayments helps a broader vary of altcoins and tokens.
• Bitcoin Optimisation: CoinGate helps Lightning Community funds, which might be advantageous for Bitcoin-focused use circumstances.

NOW Funds vs Coinbase Commerce

Coinbase Commerce advantages from shut integration with the Coinbase ecosystem and operates inside a extra formal US regulatory framework. It’s usually chosen by retailers looking for familiarity and easy onboarding.

NOWPayments differentiates itself by means of broader cryptocurrency help and extra versatile conversion and settlement choices. Whereas each platforms provide comparable ease of use, Coinbase Commerce helps a smaller set of cryptocurrencies and usually emphasises steady, mainstream belongings.

Comparability Abstract

Easy methods to Set Up NOWPayments

Making a Service provider Account

• Go to the NOWPayments web site and choose Signal Up.

• Register utilizing an e mail handle and password, then confirm the account through the affirmation hyperlink.
• Full primary service provider profile particulars.
• Add a number of pockets addresses for settlement.
• Generate an API key, which is created mechanically and used for integrations.

Integrating with WooCommerce

For WordPress-based shops, NOWPayments supplies a WooCommerce plugin.

Plugin set up steps:

• Obtain the plugin file from the official supply.
• Within the WordPress dashboard, go to Plugins → Add New → Add Plugin.
• Add the ZIP file, set up, and activate the plugin.
• Enter the API key generated in your NOWPayments account.

Configuration choices embody:

• Choosing supported cryptocurrencies
• Enabling or disabling auto-conversion
• Customizing fee titles and descriptions at checkout

Testing and Launch:

• Use sandbox mode to simulate transactions and make sure fee flows.ß
• As soon as testing is profitable, swap from sandbox to the manufacturing API.
• Monitor preliminary reside transactions to make sure right settlement and standing updates.

Utilizing the API

For customized or non-CMS setups, NOWPayments affords a REST API with complete documentation.

• Begin by creating fee or bill requests through POST endpoints.
• Implement callbacks or webhooks to obtain real-time fee standing updates.
• Configure webhook URLs securely and confirm request signatures to make sure authenticity.

NOWPayments Buyer Assist

NOWPayments affords buyer help by means of a number of channels, together with e mail, reside chat, and an internet assist heart. The information base covers widespread matters equivalent to account setup, integrations, payouts, and API utilization, and is commonly the primary level of reference for routine questions.

Response occasions can range relying on request quantity and concern complexity.  Based mostly on consumer experiences and typical help patterns, replies could vary from a number of hours to as much as a day, with longer wait occasions often occurring throughout peak durations.

NOWPayments additionally maintains group channels the place customers share implementation suggestions and troubleshooting recommendation. Whereas these boards might be useful for sensible insights, official help requests are greatest dealt with by means of direct help channels.

For companies with increased volumes or extra advanced necessities, premium or enterprise help choices could also be obtainable. These plans can embody precedence dealing with and, in some circumstances, entry to a devoted account supervisor.

Who Ought to Use NOWPayments?

Finest for

• Freelancers and unbiased professionals who wish to settle for crypto funds straight into their very own wallets
• SMBs on the lookout for a comparatively low processing charges on crypto transactions
• Retailers that require broad cryptocurrency help, together with a variety of altcoins and tokens
• Privateness-conscious companies that favor minimal KYC necessities for primary crypto-only use circumstances
• Affiliate packages and platforms that want mass payout performance for companions or contractors

Not perfect for

• Massive enterprises that require superior analytics, reporting, or bespoke monetary controls
• Companies working in extremely regulated environments that want complete licensing or strict compliance assurances
• Retailers who depend on crypto-linked debit playing cards or card-based payouts, which aren’t supplied by the platform

NOWPayments Overview: Closing Verdict

Nonetheless, NOWPayments might not be the perfect match for each use case. Companies that require superior analytics, enterprise-grade compliance frameworks, or card-based payout choices could discover the platform’s capabilities restricted in comparison with extra regulated or fiat-focused suppliers. Buyer help high quality can even range relying on quantity and concern complexity.

Total, NOWPayments is greatest fitted to freelancers, small to medium-sized companies, affiliate platforms, and privacy-conscious retailers that wish to settle for a variety of cryptocurrencies with out committing to advanced infrastructure or excessive fastened prices. 

Retailers that want debit card payouts, formal regulatory alignment in particular jurisdictions, or superior reporting could wish to contemplate alternate options equivalent to BitPay, Coinbase Commerce, or CoinGate, relying on their operational necessities.

As with all fee resolution, companies ought to assess their transaction volumes, compliance obligations, and settlement preferences earlier than selecting a gateway.

Joel is a crypto content material author at CoinGape. He’s a Technical and Content material Author with an in-depth information of web3 and self-custody options, Fintech, and superior computing.
Joel has over 8 years of expertise in creating content material round blockchain know-how and monetary options.

He has an extended historical past of working with high crypto tasks and writing for notable media, together with Coingecko and CoinInsight. He has additionally held advisory positions in a number of startups and contributed to many profitable launches. In his free time, he enjoys a number of sports activities and Comedy Sitcoms.