Crypto payment gateway supporting 350+ assets with a 1% starting fee
NOWPayments is a non-custodial crypto payment gateway for businesses accepting Bitcoin, stablecoins and other digital assets. The platform states that it supports more than 350 cryptocurrencies and 75 fiat currencies, with checkout, invoicing, subscriptions, conversions and payouts available through one account.
Merchants can connect payment tools through APIs, SDKs, plugins and other integrations. Checkout and crypto invoices let a business request payment in a supported asset, while auto-conversion can change received cryptocurrency into another asset or fiat currency. The platform also offers payment processing for fiat-to-crypto and crypto-to-fiat flows.
Recurring billing is available through NOWPayments Subscriptions. Its payout tools support payments to multiple recipients, including email-based payouts that avoid collecting a wallet address from every recipient. The company reported average mass payout processing of 1–3 minutes in October 2026 and email payout delivery in under one second.
Standard payment acceptance starts at 1% per transaction, excluding blockchain network fees. Multi-currency deposits cost 1.5%, while single-currency deposits cost 1%. Partner rates can reach 0.3%, and enterprise pricing is available on request. Settlement can involve crypto or fiat processing, depending on the selected workflow and asset.
Account controls include two-factor authentication, role-based access, withdrawal whitelisting, transaction monitoring and anti-fraud measures. The platform supports more than 100 crypto wallets and lets businesses manage payment history and payout workflows from an account dashboard.
NOWPayments began operating in 2019. Its website reports more than $10 billion processed since launch, over 30 million finished transactions per month and more than 10,000 new partners per month. In September 2026, it reported year-on-year increases of 103.8% in successful integrations and 92% in partners completing a first transaction.
The main trade-offs are the 1% starting fee plus network charges, exposure to exchange-rate movement before conversion, and reliance on the gateway for payment processing and payout operations. Crypto payments are generally irreversible, so an incorrect address or amount can be difficult to recover. A provider outage or shutdown could interrupt checkout or settlement.
NOWPayments combines broad asset support with payment and payout tools, but merchants still face network fees, crypto volatility and provider counterparty risk.
NOWPayments is a broad payment gateway for merchants that want crypto checkout, invoicing, conversions and payouts in one account. Its clearest strength is coverage: the company lists 350+ cryptocurrencies, 75+ fiat currencies and 30+ stablecoins as of October 2026. That is a larger stated asset range than a gateway limited to Bitcoin or a few stablecoins, although support for an asset does not remove network-specific settlement risks.
Standard payment acceptance starts at 1%, excluding blockchain network fees, while multi-currency deposits cost 1.5% and single-currency deposits cost 1%. Partner rates can reach 0.3%, and enterprise pricing is available on request. The fee structure is less simple than a single advertised rate because the final cost depends on deposit type, partner status and the relevant blockchain.
Integration coverage is a strong point. NOWPayments offers APIs, SDKs, plugins, checkout tools and crypto invoicing, alongside more than 100 supported crypto wallets. It also has recurring billing through Subscriptions, mass payouts and auto-conversion into another asset or fiat currency. Email-based mass payouts, enabled with ChangeNOW PRO in June 2026, remove the need to collect a wallet address from every recipient.
Settlement is flexible rather than purely crypto-only. The platform lists fiat-to-crypto and crypto-to-fiat processing, stablecoin support and automatic conversion. Its October 2026 payout figures put average mass payout processing at 1–3 minutes and email payout delivery under one second.
The company has operated since 2019 and says it has processed $10 billion since launch and more than 30 million finished transactions per month. NOWPayments describes custody wallets, balance management and treasury tools, while its listing identifies the gateway as non-custodial, so merchants need to distinguish payment processing from any wallet workflow they choose to use.
Security controls include two-factor authentication, role-based access, withdrawal whitelisting, AML measures and transaction monitoring. NOWPayments is not self-hosted. Volatility before conversion is another consideration.
| Processing fee | 1% · unverified |
|---|---|
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion · unverified |
| Coins supported | 350 · unverified |
| Integrations | API, SDKs, Plugins, Shopify · unverified |
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Self-hosted option | No |
| Settle in stablecoins | Yes · unverified |
| Merchant countries | International, subject to restrictions · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Point of sale, Business verification (KYB).
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Accepts Bitcoin, stablecoins and more than 350 cryptocurrencies through checkout integrations, APIs, SDKs and plugins.
Creates payment requests for supported assets, giving merchants an alternative to building their own crypto billing flow.
NOWPayments Subscriptions supports crypto payment plans, payment tracking and automatic renewals.
Sends crypto to multiple recipients, with average processing reported at 1–3 minutes in October 2026.
Businesses can send crypto using an email instead of collecting a wallet address from every recipient; delivery is reported under one second.
Converts received cryptocurrency into another supported asset or fiat currency, depending on the selected settlement workflow.
Two-factor authentication, role-based access and withdrawal whitelisting restrict access to accounts and approved payout wallets.
This is the checkout and payment acceptance layer for businesses accepting Bitcoin, stablecoins and other supported cryptocurrencies. Merchants can connect it through APIs, SDKs, plugins or crypto invoicing tools.
Send crypto covers business payouts to recipients. NOWPayments also supports email-based mass payouts, with delivery listed as under one second as of October 2026.
Auto-conversion converts received cryptocurrency into another asset or fiat currency. It is intended for merchants that want to reduce exposure to the asset received at checkout.
Subscriptions lets businesses create recurring crypto billing plans, track payments and offer automatic renewals through ChangeNOW.
The usable feedback is mostly positive, but it is limited and often promotional or incidental. Users specifically praise easy setup, broad coin support, and card payment options, while no repeated product complaint is raised by at least two different authors.
“I'm using they have a good WooCommerce plugin and easy to set-up. The service do all the stuff and you don't need to worry about anything.”
“How I accept card payments for a Telegram bot without giving any platform my SSN — NOWPayments + BTC in practice Stripe killed my account before I even finished onboarding. Square wanted government ID.”
“I would recommend Nowpayments.io. They allow various crypto-currency payments with the cheapest fees + it supports credit/debit card payments local and international.”
Based on 68 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
No user reviews yet. Have you used NOWPayments? Share your experience below.
NOWPayments was founded in 2019 and operates under the NOWPayments brand.
Standard payment acceptance starts at 1%, excluding blockchain network fees. Multi-currency deposits cost 1.5%, single-currency deposits cost 1%, partner rates can reach 0.3%, and enterprise pricing is available on request.
NOWPayments lists 350+ cryptocurrencies and 30+ stablecoins as of October 2026, alongside 75+ fiat currencies. Supported assets and networks vary by payment workflow.
Yes. Its Subscriptions product lets businesses set up crypto billing plans, track payments and offer automatic renewals through ChangeNOW.
Yes. Mass payouts support multiple recipients, and email-based payouts can send crypto without collecting a wallet address from every recipient. Average mass payout processing is listed as 1–3 minutes as of October 2026.
No. The self-hosted option is listed as false, so merchants use the provider's hosted gateway, integrations and account workflows.
Recent public posts from @NOWPayments_io, shown as published. Not reviewed or endorsed by CryptoReview.
Enterprise crypto payment gateway and wallet infrastructure supporting over 350 digital assets
Open-source, self-hosted Bitcoin and Lightning payment processor charging 0% processing fees
Crypto payment gateway processing over $300M annually with zero-fee options and fiat settlement
Digital asset payment gateway with 99+ assets and 0% conversion or custody fees on payouts
Crypto payment gateway with 1% processing and MiCA licensing since 2025
Open-source, self-hosted crypto payment processor charging 0% transaction fees
Type at least two characters. Press ↵ to see all results.
