B2BinPay vs NOWPayments: Fees and custody
B2BinPay is an enterprise crypto payment gateway and wallet infrastructure provider for merchants, brokerages, and financial institutions. NOWPayments is a non-custodial gateway for online businesses, featuring checkout tools, invoicing, recurring billing, conversions, and payouts.
Fees separate them. B2BinPay's incoming processing starts at 0.40% for monthly volume up to $1 million and falls to 0.25% above $5 million; it also charges a $1,000 onboarding fee. NOWPayments starts at 1% per transaction, excluding network fees, while multi-currency deposits cost 1.5%. Both support more than 350 assets and crypto or fiat settlement. B2BinPay covers 17 blockchains and supports SEPA and SWIFT payouts, while NOWPayments supports 75 fiat currencies, recurring billing, and email payouts. B2BinPay has custodial accounts plus a non-custodial DeFi layer; NOWPayments is non-custodial.
Quick verdict
The deciding difference is the trade-off between enterprise settlement and a non-custodial operating model. B2BinPay offers lower published incoming rates at higher volumes, no processing fee on outgoing merchant payouts, and automatic conversion to USD or EUR with SEPA or SWIFT payouts. Its custodial accounts create counterparty exposure until funds reach the merchant's bank account. NOWPayments starts at 1%, excludes blockchain network charges, and keeps the gateway non-custodial, but crypto price movement can affect funds before conversion or settlement.
Choose B2BinPay if monthly processing can justify the $1,000 onboarding fee, the business needs 17 blockchain networks, regulated fiat settlement through SEPA or SWIFT, or enterprise wallet infrastructure. Its business verification requirement and lack of self-hosted deployment rule out anonymous or fully on-premise setups.
Choose NOWPayments if non-custodial processing, recurring billing, plugins, or email-based payouts matter more than B2BinPay's volume rates. It fits businesses that need support for more than 350 cryptocurrencies, 75 fiat currencies, and mass payouts, while accepting network fees and a standard 1% processing rate.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.2/5 | 4.1/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 4.0 | 4.0 |
| Integrations | 4.5 | 4.5 |
| Settlement options | 4.5 | 4.0 |
| Reliability | 4.0 | 3.5 |
| Support | 4.0 | 4.5 |
| Specs | ||
| Processing fee | 0.4% | 1% |
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion | Crypto, Stablecoins, Fiat, Auto-conversion |
| Coins supported | 350 | 350 |
| Integrations | B2CORE, BridgerPay, FX Backoffice, Praxis Cashier | API, SDKs, Plugins, Shopify |
| Invoicing | Yes | Yes |
| Recurring payments | Not disclosed | Yes |
| Mass payouts | Yes | Yes |
| Self-hosted option | No | No |
| Business verification (KYB) | Yes | Not disclosed |
| Settle in stablecoins | Yes | Yes |
| Merchant countries | Not disclosed | International, subject to restrictions |
| API & SDKs | Yes | Yes |
| Company | ||
| Founded | — | 2019 |
| Headquarters | El Salvador | — |
| Investors | Not disclosed | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Forex and CFD brokerage platforms, High-volume e-commerce merchants, iGaming and digital entertainment platforms | Online stores accepting crypto, Businesses needing recurring billing, Merchants sending mass payouts |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.
FAQ
Is B2BinPay cheaper than NOWPayments?
B2BinPay has the lower starting processing rate at 0.40%, compared with 1% for standard NOWPayments acceptance. B2BinPay's rate can fall to 0.25% above $5 million in monthly volume, while NOWPayments excludes network fees and charges 1.5% for multi-currency deposits.
Which gateway has non-custodial custody?
NOWPayments is non-custodial, while B2BinPay offers custodial accounts alongside a non-custodial DeFi layer. B2BinPay's custodial model creates counterparty exposure until settlement to the merchant's bank account.
Do B2BinPay and NOWPayments support more than 350 assets?
Yes, both support more than 350 cryptocurrencies. B2BinPay processes them across 17 blockchains, while NOWPayments also supports 75 fiat currencies.
Which one supports recurring crypto payments?
NOWPayments supports recurring billing through NOWPayments Subscriptions. B2BinPay lists invoicing and mass payouts, but does not support recurring billing.
Which gateway supports fiat settlement?
Both support fiat settlement and automatic conversion. B2BinPay converts to USD or EUR with SEPA or SWIFT payouts, while NOWPayments supports fiat processing and conversion across 75 fiat currencies.