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NOWPayments Review: Quick Verdict
NOWPayments is a crypto-native payment gateway designed for businesses that prioritise broad cryptocurrency support, flexible settlement options, and relatively low transaction fees. With support for 350+ cryptocurrencies and features such as non-custodial settlement and auto-conversion, it offers a practical option for merchants operating in global or altcoin-heavy markets. .
The platform’s main strengths lie in its competitive pricing strengths, intensive coin coverage, and choice between custodial and non-custodial payment flows. Auto-conversion features can help merchants reduce exposure to price volatility, while integrations with major e-commerce platforms make it accessible for online stores and service-based businesses.
Coingape's Rating
NOWPayments Features and Products
Cryptocurrency Support (350+)
NOWPayments supports more than 350 cryptocurrencies in 2025. Major coins such as Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) lead the list. They are followed by altcoins like Cardano (ADA) and Polkadot (DOT).
Stablecoin Support and Volatility Management
The platform supports 30+ stablecoins, including widely used options such as USDT, USDC, and DAI across multiple blockchain networks. These stablecoins are commonly used by merchants to reduce exposure to price volatility.
NOWPayments also offers auto-conversion features, allowing incoming payments to be converted immediately into a preferred settlement currency. Merchants can choose their settlement asset, such as a specific stablecoin, with exchange rates locked at the time of payment.
Adding New Cryptocurrencies
NOWPayments follows a structured process for adding new cryptocurrencies. Asset requests are reviewed on a regular basis, and supported coins are evaluated for network reliability, liquidity, and technical stability. Once testing is complete, newly approved assets are typically added within a few weeks.
E-commerce Integrations
WooCommerce integration is available via a free WordPress plugin. Merchants can add crypto payment buttons directly to their checkout, with orders and payment statuses synced in real time through WooCommerce dashboard.
Shopify integration is implemented through dedicated apps or API keys. Store owners can enable crypto checkout while maintaining automatic order and inventory updates based on confirmed payments.
For more complex requirements, the Magento 2 module supports advanced customisation. It is well suited for enterprise or high-volume stores where developers may need to tailor checkout flows, settlement logic, or reporting.
PrestaShop, OpenCart and ZenCart plugins are generally straightforward to install via their respective marketplaces. These integrations typically support sandbox mode, allowing merchants to test payment flows before going live.
For hosting providers and SaaS businesses, WHMCS integration enables direct crypto billing for clients. Subscription payments can be automated, making it suitable for recurring invoicing and service-based pricing models.
API and Developer Tools
NOWPayments provides a REST API with clear documentation covering core functions such as payment creation, invoice management, and payouts. Developers can access well-defined endpoints for common workflows, along with code examples in languages such as Python, JavaScript, and PHP.
For simpler integrations, the platform offers embeddable payment widgets and buttons that can be added to most websites without extensive development work. These elements support basic customisation, including branding options such as colours and logos, and can generate QR codes for mobile payments.
NOWPayments also includes an invoicing system that allows merchants to create payment requests quickly. Invoices can be shared via email or messaging platforms, with payment status tracked through the merchant dashboard or via webhooks.
A sandbox environment is available for testing integrations before launch. . This environment simulates live payment flow using test funds, allowing developers to validate checkout logic, callbacks, and settlement handling without processing real transactions.
Non-custodial/ Custodial Options
NOWPayments offers both non-custodial and custodial settlement models, allowing merchants to choose how funds are handled based on their operational preferences and risk tolerance.
In the non-custodial mode, payments are sent directly to the merchant’s own wallet after blockchain confirmation. . The platform does not hold funds on the merchant’s behalf, and merchants retain full control over their private keys and assets.
This setup is typically preferred by businesses that prioritise self-custody, security, and independence, but it requires merchants to manage wallets and key storage themselves.
Under the custodial mode, NOWPayments handles payment conversion and payouts on behalf of the merchant. Funds can be settled in a selected cryptocurrency or converted automatically, helping reduce exposure to price volatility.
This approach is often better suited to beginners or businesses that prefer a simpler setup and do not want to manage wallets or private keys directly.
The choice between custodial and non-custodial modes depends on the level of control and convenience a business requires. Some merchants use a combination of both: options for non-custodial settlement in certain cases while relying on custodial features for automated conversions or simplified operations.
Security consinderations differ slightly in both modes. Non-custodial mode eliminates reliance on a third party for fund custody, while custodial mode typically includes additional safeguards such as platform-level security controls and risk management measures.
Auto-conversion Feature
NOWPayments offers an auto-conversion feature that is triggered once a payment is confirmed on the blockchain. It automatically converts accepted crypto into a selected settlement asset, such as a stablecoin or another supported crypotocurrency.
Merchants can choose their preferred settlement currency, commonly stablecoins like USDT or USDC, to help reduce exposure to price volatility. Exchange rates are typically locked at the time of payment confirmation, providing greater predictability for revenue reporting. Customers, meanwhile, can pay using their preferred cryptocurrency without affecting how merchants receive funds.
Auto-conversion supports a wide range of currency pairs across supported networks. Fees for conversion are transparent and generally aligned with the platform’s standard processing rates, allowing merchants to factor them into overall transaction costs.
Mass Payouts
NOWPayments supports mass payouts, enabling businesses to send cryptocurrency payments to multiple recipients in a single operation. This feature is designed for companies that regularly distribute funds to affiliates, contractors, partners, or service providers.
Using batch-processing, merchants can upload wallet addresses and payment amounts (often via CSV files) and execute payouts efficiently. Transactions are validated and processed in groups, helping reduce manual effort and administrative overhead.
Mass payouts are commonly used in affiliate marketing programs, freelance platforms, and global contractor networks. Compared to traditional bank transfers, crypto-based payouts can be faster and more cost-effective, particularly for international recipients.
Fees typically consist of a percentage-based payout charge plus applicable network fees, with pricing subject to volume and usage.
White-label Solutions
The platform also offers white-label payment solutions for businesses that want to present crypto payments under their own brand. In a white-label setup, merchants can replace NOWPayments’ branding with their own, creating a more consistent and native checkout experience for customers.
Through API-based customization, enterprises can adjust interface elements such as colours, text, and payment flows to match their branding and operational requirements. This option is generally aimed at larger businesses or platforms with in-house development resources.
White-label pricing is typically offered under enterprise-level plans and may include a fixed monthly fee in addition to transaction charges. Costs and features vary based on volume, level or customization, and support requirements.
NOWPayments Fees and Pricing
NOWPayments sets a base fee of 0.5% on a standard crypto payment transaction.. This base fee applies to each payment processed through the gateway. Merchants processing higher transaction volumes may qualify for reduces rates. According to the platform’s pricing structure, processing thresholds, such as higher monthly Bitcoin volumes, can unlock lower base fees. Exact eligibility and discounted rates depend on account activity and are subject to approval.
When auto-conversion is enabled, an additional fee of approximately 0.5% applies, bringing the total cost of converted transactions to around 1% excluding network fees. Network fees vary depending on the cryptocurrency and the network selected. Merchants can often choose lower-cost networks where supported, which may help optimize overall transaction costs.
Fiat withdrawals fee typically range from 1.5% to2.3%, depending on the payout method and region. Crypto payouts do not usually carry an additional service fee beyond applicable network costs.
NOWPayments does not charge setup fees or recurring monthly fees for standard gateway usage, making pricing largely usage-based.
| Gateway | Base Fee | Conversion Fee | Approx. Crypto Support |
| NOWPayments | ~0.5% | +0.5% (when enabled) | 350+ |
| BitPay | ~1% | Included | ~15 |
| CoinGate | ~1% | Included | 70+ |
| Coinbase Commerce | 0-0.5% | Variable | ~10 |
- Competitive base fees around -.5% for standard crypto transactions.
- Broad cryptocurrency support, with 350+ supported coins and tokens.
- Non-custodial settlement option available, allowing merchants to retain control of their funds.
- Limited KYC requirements for basic crypto-only usage, depending on features and volumes
- Wide range of e-commerce integrations, including popular platforms and APIs.
- Auto-conversion options help merchants manage price volatility.
- Mass payouts functionality supports affiliate, contractor, and partner payments.
- No chargebacks, as crypto payments are irreversible by design.
- White-label options available for businesses that require branded checkout experiences.
- Analytics and reporting tools are relatively basic compared to some enterprise-focused gateways.
- Security features are functional but not enterprise-grade, particularly for highly regulated businesses.
- Customer support response times may vary, with some users reporting delays during peak periods.
- May not be ideal for very large enterprises requiring advanced compliance or bespoke settlement workflows.
- Fiat payout options are limited and subject to regional availability and fees.
- Limited customization on standard plans, with deeper customization typically reserved for enterprise or white-label tiers
- Irreversible payments mean no built-in dispute resolution, which may not suit all business models.
NOWPayments operates as part of the broader ChangeNOW ecosystem, which has been active since 2019. This association provides operational continuity and shared infrastructure across related crypto services.
NOWPayments does not operate as a licensed financial institution in the same way as some fiat-focused payment processors. Instead, it functions as a crypto payment gateway, with features and compliance practices designed around cryptocurrency transactions. Businesses using the platform are responsible for ensuring that its use aligns with applicable local regulations.
Reputation and User Feedback
User feedback across third-party review platforms reflects a mix of positive experiences and reported limitations. Merchants frequently cite broad crypto support and flexible settlement options as strengths, while some reviews point to issues such as integration friction or response-time variability.
As with many crypto-native platforms, reported issues often relate to configuration, network conditions, or third-party integrations rather than custody of funds. Updates and fixes are released periodically, and merchants are advised to test integrations thoroughly before deploying them in production environments.
How to Interpret Trust Signals
NOWPayments’ trust profile is best evaluated in context. It is a crypto-focused gateway rather than a regulated fiat processor, and its security model prioritises non-custodial settlement options and operational controls over traditional financial licensing. For businesses comfortable operating within a crypto-native framework, this may be sufficient; others may prefer providers with formal regulatory licensing and enterprise compliance certifications.
NOWPayments Supported Cryptocurrencies
As of 2025, NOWPayments supports 350+ cryptocurrencies, covering a broad range of use cases across blockchains. Support includes widely used assets such as Bitcoin, Ethereum, Litecoin, XRP, and Bitcoin Cash. These form the core of most payment activity on the platform and are commonly used for both retail and business transactions.
NOWPayments supports 30+ stablecoins, including USDT, USDC, DAI, and BUSD, across multiple blockchain networks. Stablecoins are often used by merchants to reduce exposure to price volatility while maintaining the benefits of crypto-based settlement.
In addition to major assets, the platform supports a wide selection of top altcoins such as UNI, AAVE, LINK, and COMP. These assets span ecosystems including Ethereum, Binance Smart Chain, and Solana, allowing merchants to accept payments from users across different blockchain environments.
New cryptocurrency listings follow a structured evaluation process. Requests can be submitted through the merchant dashboard, after which assets are reviewed for factors such as liquidity, network stability, and technical compatibility. Approved assets are typically added within a few weeks, depending on review outcomes.
NOWPayments vs Competitors
NOWPayments vs BitPay
BitPay is a long-established crypto payment provider with a strong presence in regulated markets, particularly the United States. NOWPayments, by contrast, focuses on broader cryptocurrency coverage and flexible settlement options.
NOWPayments generally offers lower base processing fees and significantly wider cryptocurrency support. It also provides a non-custodial settlement option, which may appeal to merchants who prefer direct control over funds. BitPay, however, offers additional features such as crypto-linked debit cards in select regions, which may be relevant for some users.
| Feature | NOWPayments | BitPay |
| Base Fees | ~0.5% | ~1% |
| Supported Cryptocurrencies | 350+ | ~15 |
| Non-custodial Options | Yes | No |
| Crypto Debit Card | No | Yes (US only) |
| Market Presence | Growing | Established |
NOWPayments vs CoinGate
CoinGate is a Europe-based gateway known for its regulatory alignment and Bitcoin-focused features, including Lightning Network support. Compared to CoinGate, NOWPayments offers lower base fees and a much larger selection of supported cryptocurrencies. CoinGate, however, stands out for merchants primarily accepting Bitcoin and for additional offerings such as crypto-funded gift cards.
Key Differences:
- Fees: NOWPayments’ base fee is typically lower than CoinGate’s standard rate.
- Crypto Coverage: NOWPayments supports a broader range of altcoins and tokens.
- Bitcoin Optimisation: CoinGate supports Lightning Network payments, which can be advantageous for Bitcoin-focused use cases.
NOW Payments vs Coinbase Commerce
Coinbase Commerce benefits from close integration with the Coinbase ecosystem and operates within a more formal US regulatory framework. It is often chosen by merchants seeking familiarity and straightforward onboarding.
NOWPayments differentiates itself through broader cryptocurrency support and more flexible conversion and settlement options. While both platforms offer comparable ease of use, Coinbase Commerce supports a smaller set of cryptocurrencies and generally emphasises stable, mainstream assets.
Comparison Summary
| Feature | NOWPayments | Coinbase Commerce |
| Supported Cryptocurrencies | 350+ | ~10 |
| Base Fees | ~0.5% | 0%–0.5% (variable) |
| Custody Options | Custodial & non-custodial | Primarily custodial |
| Regulatory Focus | Crypto-native, global | US-centric |
| Ease of Use | Comparable | Comparable |
How to Set Up NOWPayments
Creating a Merchant Account
- Visit the NOWPayments website and select Sign Up.
- Register using an email address and password, then verify the account via the confirmation link.
- Complete basic merchant profile details.
- Add one or more wallet addresses for settlement.
- Generate an API key, which is created automatically and used for integrations.
Integrating with WooCommerce
For WordPress-based stores, NOWPayments provides a WooCommerce plugin.
Plugin installation steps:
- Download the plugin file from the official source.
- In the WordPress dashboard, go to Plugins → Add New → Upload Plugin.
- Upload the ZIP file, install, and activate the plugin.
- Enter the API key generated in your NOWPayments account.
Configuration options include:
- Selecting supported cryptocurrencies
- Enabling or disabling auto-conversion
- Customizing payment titles and descriptions at checkout
Testing and Launch:
- Use sandbox mode to simulate transactions and confirm payment flows.ß
- Once testing is successful, switch from sandbox to the production API.
- Monitor initial live transactions to ensure correct settlement and status updates.
Using the API
For custom or non-CMS setups, NOWPayments offers a REST API with comprehensive documentation.
- Start by creating payment or invoice requests via POST endpoints.
- Implement callbacks or webhooks to receive real-time payment status updates.
- Configure webhook URLs securely and verify request signatures to ensure authenticity.
NOWPayments Customer Support
NOWPayments offers customer support through multiple channels, including email, live chat, and an online help center. The knowledge base covers common topics such as account setup, integrations, payouts, and API usage, and is often the first point of reference for routine questions.
Response times can vary depending on request volume and issue complexity. Based on user reports and typical support patterns, replies may range from a few hours to up to a day, with longer wait times occasionally occurring during peak periods.
NOWPayments also maintains community channels where users share implementation tips and troubleshooting advice. While these forums can be helpful for practical insights, official support requests are best handled through direct support channels.
For businesses with higher volumes or more complex requirements, premium or enterprise support options may be available. These plans can include priority handling and, in some cases, access to a dedicated account manager.
Who Should Use NOWPayments?
Best for
- Freelancers and independent professionals who want to accept crypto payments directly into their own wallets
- SMBs looking for a relatively low processing fees on crypto transactions
- Merchants that require broad cryptocurrency support, including a wide range of altcoins and tokens
- Privacy-conscious businesses that prefer minimal KYC requirements for basic crypto-only use cases
- Affiliate programs and platforms that need mass payout functionality for partners or contractors
Not ideal for
- Large enterprises that require advanced analytics, reporting, or bespoke financial controls
- Businesses operating in highly regulated environments that need comprehensive licensing or strict compliance assurances
- Merchants who rely on crypto-linked debit cards or card-based payouts, which are not offered by the platform
NOWPayments Review: Final Verdict
However, NOWPayments may not be the best fit for every use case. Businesses that require advanced analytics, enterprise-grade compliance frameworks, or card-based payout options may find the platform’s capabilities limited compared to more regulated or fiat-focused providers. Customer support quality can also vary depending on volume and issue complexity.
Overall, NOWPayments is best suited for freelancers, small to medium-sized businesses, affiliate platforms, and privacy-conscious merchants that want to accept a wide range of cryptocurrencies without committing to complex infrastructure or high fixed costs.
Merchants that need debit card payouts, formal regulatory alignment in specific jurisdictions, or advanced reporting may want to consider alternatives such as BitPay, Coinbase Commerce, or CoinGate, depending on their operational requirements.
As with any payment solution, businesses should assess their transaction volumes, compliance obligations, and settlement preferences before choosing a gateway.
Did you find this review helpful?
Our Review Methodology
At CoinGape, we take our crypto payment gateway reviews seriously. Our recommendations are based on hands-on testing and objective evaluation criteria, with a clear separation between editorial analysis and commercial relationships.
Each platform included in this guide is reviewed using a consistent framework designed to reflect how crypto payment gateways perform in real-world business use cases.
1. Hands-On Testing
We create merchant accounts and process real transactions on every gateway we review. This allows us to evaluate onboarding, checkout experience, settlement flow, and overall usability from a business perspective.
2. Fee Verification
All fees are verified directly through official documentation and test transactions. We assess percentage-based fees, fixed charges, conversion costs, and note any hidden or conditional fees where applicable.
3. Security Assessment
We evaluate security features, custody models, compliance certifications, and platform track record. This includes reviewing publicly reported incidents, regulatory positioning, and available security controls.
4. Support Testing
We contact customer support with real queries to assess response times, clarity, and effectiveness across available channels such as email, live chat, or documentation.
Frequently Asked Questions (FAQs)
Is NOWPayments safe and legit?
+Yes, NOWPayments is a legitimate crypto payment gateway. It offers non-custodial settlement options, meaning funds can be transferred directly to merchants’ wallets, reducing third-party custody risk. The platform also uses standard security measures such as SSL encryption, 2FA, and acc
What fees does NOWPayments charge?
+NOWPayments typically charges a base processing fee of around 0.5% per transaction. If auto-conversion is enabled, an additional conversion fee (usually around 0.5%) applies. Network fees vary by blockchain. There are no setup or recurring monthly fees for standard gateway usage.
How do I withdraw money from NOWPayments?
+Withdrawal methods depend on the settlement model used. In the non-custodial mode, funds are sent directly to the merchant’s wallet after confirmation, with no additional withdrawal step. In custodial mode, merchants can withdraw funds via the dashboard to external wallets. Fiat withdrawals are available in select regions, typically take 2–5 business days, and may incur fees in the 1.5%–2.3% range.
Does NOWPayments require KYC?
+Basic crypto-only merchant accounts may not require KYC. However, verification may be required for certain features, higher transaction volumes, or fiat-related services, depending on regulatory and risk requirements.
Does NOWPayments serve the global market?
+NOWPayments is available to merchants in many countries and supports cross-border crypto payments. However, fiat payout availability and certain features may vary by region, and businesses are responsible for ensuring local regulatory compliance.
