Description
NOWPayments is a leading crypto payment gateway that enables businesses to accept cryptocurrency payments with ease. Launched by ChangeNOW and ranked as the best crypto payment gateway by Forbes in 2025, it has processed over $10 billion in transactions since 2019.
Key Features
- Accept 350+ Cryptocurrencies — Accept Bitcoin, Ethereum, USDT, USDC, and 350+ coins with auto-conversion to your preferred currency.
- Fiat Payments — Fiat on-ramp and off-ramp capabilities via integrated payment providers.
- Multiple Integration Options — REST API, invoices, payment buttons, payment widgets, donation tools, point of sale, and white-label solutions.
- E-Commerce Plugins — Ready-made integrations for popular e-commerce platforms.
- Recurring Subscriptions — Set up crypto subscriptions for SaaS and membership businesses.
- Mass Payouts — Send bulk payments to multiple recipients in one transaction.
- Custody Services — Store funds in a secure custody balance to reduce network fees.
- Enterprise Security — Two-factor authentication, role-based access control, and withdrawal whitelisting.
Pricing
- 0.5% service fee for payments without conversion (customer pays in same coin you receive)
- 1% service fee for payments with auto-conversion or fixed-rate
- 0% service fee for withdrawals and mass payouts (network fees only)
- 0.5% fee for off-chain conversions within custody
- No monthly subscription fees
Supported Assets
350+ cryptocurrencies including BTC, ETH, USDT, USDC, LTC, BCH, XRP, TRX, BNB, DOT, XMR, SOL, and 30+ stablecoins. 75+ fiat currencies supported through fiat on-ramp providers.
Ideal For
E-commerce stores, SaaS platforms, marketplaces, charities, travel & hospitality, and any online business looking to accept crypto payments with low fees and a broad range of integration options.
Highlights
Pros
- Custody-free design — funds are sent directly to the merchant's wallet, not held by NOWPayments
- Lowest service fee on the market starting at 0.5% for mono-currency payments
- Auto-conversion feature protects merchants from crypto price volatility by converting to stablecoins
- Supports 350+ cryptocurrencies and 30+ stablecoins across multiple blockchain networks
- Multiple integration options including API, payment button, widget, invoices, white-label, and POS terminal
Cons
- Auto-conversion fee rises to 1% when accepting payments in a different currency than settlement
- No direct fiat settlement to bank accounts — fiat on-ramp/off-ramp handled through third-party providers
- E-commerce plugin support limited to WooCommerce and WHMCS — no Shopify or native Magento integration
- No specific regulatory license disclosed, which may be a concern for enterprise merchants
- Network gas fees apply on top of service fees, adding cost especially on congested blockchains