Crypto.com Pay vs NOWPayments: Zero Fees vs 350+ Coins
Crypto.com Pay processes merchant transactions with 0% processing fees, using a custodial model with direct fiat settlement in over 20 currencies. It connects to Shopify and WooCommerce or runs in person through a mobile point-of-sale app, though recurring billing requires the customer to use the Crypto.com App.
NOWPayments operates on a non-custodial model that accepts more than 350 cryptocurrencies and 75 fiat currencies. It charges a baseline transaction fee of 1%, with options for mass payouts and email transfers across blockchains including Bitcoin, Solana, and TRON.
The core difference centers on cost against asset choice. Crypto.com Pay eliminates gateway processing fees and simplifies in-person retail checkout, but its ecosystem limits external subscription flows. NOWPayments delivers broader chain support and payout features for online businesses at the cost of standard transaction percentages.
Quick verdict
The choice between these gateways comes down to fee structures, custody, and token variety. Crypto.com Pay provides zero processing fees and direct bank settlements across 20 fiat currencies, yet merchants accept counterparty custody and limited network variety on Ethereum and Cronos. NOWPayments functions non-custodially across 350 cryptocurrencies and multiple chains like Bitcoin, Solana, and TRON, but charges a 1% standard transaction fee.
Choose Crypto.com Pay if you run an e-commerce or physical retail store that prioritizes 0% gateway fees, want direct fiat settlement into your bank account, or need a mobile point-of-sale checkout without extra hardware.
Choose NOWPayments if you require non-custodial settlement, want to accept a wide roster of over 350 digital assets across networks like TRON and Solana, or need mass payouts and email transfers alongside regular payment processing.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.1/5 | 4.1/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 4.5 | 4.0 |
| Integrations | 4.0 | 4.5 |
| Settlement options | 4.5 | 4.0 |
| Reliability | 4.0 | 3.5 |
| Support | 3.5 | 4.5 |
| Specs | ||
| Processing fee | 0% | 1% |
| Settlement | Crypto, Fiat, Auto-conversion | Crypto, Stablecoins, Fiat, Auto-conversion |
| Coins supported | Not disclosed | 350 |
| Integrations | Shopify, WooCommerce | API, SDKs, Plugins, Shopify |
| Invoicing | Yes | Yes |
| Recurring payments | Yes | Yes |
| Mass payouts | Not disclosed | Yes |
| Point of sale | Yes | Not disclosed |
| Self-hosted option | No | No |
| Settle in stablecoins | Yes | Yes |
| Merchant countries | Not disclosed | International, subject to restrictions |
| API & SDKs | Yes | Yes |
| Company | ||
| Founded | 2016 | 2019 |
| Headquarters | Singapore | — |
| Investors | Citadel Securities, Public token sale | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Shopify and WooCommerce merchants, Retailers wanting direct fiat settlement, Businesses billing clients via invoice | 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 Crypto.com Pay cheaper than NOWPayments?
Crypto.com Pay is cheaper, charging 0% processing fees on merchant transactions. NOWPayments charges a standard transaction fee starting at 1%, which increases to 1.5% for multi-currency deposits.
What is the custody difference between Crypto.com Pay and NOWPayments?
NOWPayments operates on a non-custodial model that directs funds straight to merchant payout wallets. Crypto.com Pay uses a custodial setup where digital asset payments process through the company before withdrawal or fiat conversion.
Which gateway supports more cryptocurrencies?
NOWPayments supports more assets, offering checkout across more than 350 cryptocurrencies on blockchains including Bitcoin, Solana, and TRON. Crypto.com Pay restricts its primary network integration to Cronos and Ethereum.
Can both platforms handle recurring subscription billing?
Yes, but they differ in how customers pay. NOWPayments Subscriptions manages crypto recurring billing directly, while Crypto.com Pay restricts recurring subscription payments to buyers transacting through the Crypto.com App.
Do both services provide in-person point of sale tools?
Only Crypto.com Pay includes a dedicated mobile merchant app that handles physical retail payments without added hardware. NOWPayments focuses on online checkouts, e-commerce plugins, and batch payout tools.