The Finance Base / Payment gateways / NOWPayments
nowpayments.io
NOWPayments
NOWPayments is a cryptocurrency payment gateway for businesses. It supports more than 350 crypto coins and 75 fiat currencies, with invoices, subscriptions, payment buttons, donations, point of sale, plugins and APIs. The provider describes the service as non-custodial, while publishing separate…
Visit nowpayments.io ↗ What it costs
- 7.6 No. 16on Payment gateways
- —price, as published
- Oct 15, 2026read on
What NOWPayments costs
- Autoconverted or fixed-rate payments Not published
- Off-chain conversions Not published
- Payments without conversion Not published
- Withdrawals and mass payouts Not published
- Standard payment processing Free
The standard processing option has no service fee, but blockchain network fees are excluded. Published service charges include 1.5% for autoconverted or fixed-rate payments, 1% for off-chain conversions, 1% for payments without conversion, and 0% for withdrawals and mass payouts.
As nowpayments.io publishes them, read Oct 15, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- No
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 48
Strengths and limits
Strengths
- Supports more than 350 crypto coins and 75 fiat coins
- Invoices, subscriptions, donations, buttons, widgets and payouts
- APIs, plugins and a Node.js SDK are published
- Mass payouts can reach 1,000 addresses per operation
- Provider advertises 24/7 support
Limits
- Blockchain network fees are extra on listed plans
- Several plan prices are not published
- AML/KYC checks can hold suspicious transactions
- Reviewers report processing delays and limited fee transparency
- G2 reviewers report no mobile application and no POS support
What it does
Businesses can use NOWPayments to receive cryptocurrency payments, donations and payouts through websites, online stores and social accounts. Recurring and marketplace payments are supported as well.
Available tools cover invoices, payment links, buttons, widgets, subscriptions, donations, point of sale, plugins and white-label use. The gateway says it supports more than 350 crypto coins and 75 fiat coins.
Fees and plans
The standard processing option carries no service charge, although blockchain network fees still apply. Enterprise rates are supplied on request.
For autoconverted or fixed-rate transactions, the stated service charge is 1.5% in addition to the network fee. Off-chain conversions have a 1% conversion fee, while transactions without conversion carry a 1% service charge plus the network fee.
Withdrawals and mass payouts list a 0% service fee, with the blockchain network fee still charged. The provider does not list a price for the autoconverted, off-chain, or no-conversion plans.
Where it runs
NOWPayments lists Android, iOS, web and API access. It targets websites, stores and social accounts, and names WooCommerce, Magento 2, OpenCart, WHMCS, PrestaShop, Shopify, Ecwid and Zen Cart among its ecommerce integrations.
A published Node.js SDK handles hosted checkout, direct payments, status polling, payouts and webhook verification. The package needs Node.js 18 or later, uses ESM and has no runtime dependencies.
G2 reviewers report that they could not find a mobile application and point to missing point-of-sale support. That comment is from reviewers, not a provider specification.
Protection, as published
NOWPayments says its default model is non-custodial, so it does not hold or store customer funds. Optional custody products are offered too.
Account protections listed on the homepage include two-factor authentication, role-based access control and withdrawal whitelisting. Its AML/KYC policy says it may verify customers, request identity or company documents and screen against sanctions lists.
According to the provider, a suspicious transaction can remain on hold while the merchant or customer supplies KYB or KYC documents. NOWPayments identifies its operator as FD Transfers LLC, incorporated in Saint Vincent and the Grenadines, with addresses in Kingstown and Tallinn.
Strengths
The gateway states that it handles more than 350 crypto coins and 75 fiat coins, alongside checkout formats for recurring and marketplace payments.
Merchants can connect through plugins, APIs and the published Node.js SDK. A Mass Payouts operation can address as many as 1,000 destinations, while email payouts are described as accommodating up to 100,000 recipients.
NOWPayments advertises round-the-clock support and says ChangeNOW can automatically convert received crypto into a selected cryptocurrency.
Catches
The headline processing plan excludes blockchain network fees.
AML/KYC procedures may involve identity or corporate paperwork, and a transaction can be held when it is considered suspicious. Plugin use requires a NOWPayments account, a cryptocurrency wallet and an API key.
Reviewers mention high conversion fees, limited fee transparency, processing delays and weak status updates. NOWPayments attributes processing speed to network and asset conditions.
Who should skip it
Businesses that need a clearly posted conversion price, conventional card-first processing or a confirmed mobile app may find the published information insufficient. Reviewers also mention missing point-of-sale support.
Verdict
NOWPayments suits businesses seeking cryptocurrency checkout on websites, stores or social channels and able to meet wallet, API or plugin requirements. Its published offering includes recurring payments, donations, payouts and fiat withdrawals, with the provider describing a non-custodial default.
It is less suited to buyers who need every conversion charge stated up front, a conventional mobile point-of-sale experience or no possibility of compliance-related holds. Network fees remain part of several payment and payout paths.
Who it suits
Pick it if
- Businesses adding crypto checkout to websites or online stores
- Teams needing APIs, plugins, recurring payments or mass payouts
- Merchants that can handle wallet and compliance requirements
Skip it if
- You need a fully itemized conversion price before setup
- You require a confirmed mobile point-of-sale app
- Compliance holds or document checks would not fit your process
Facts we read
- AML and KYCNOWPayments says suspicious transactions may be held while merchants or customers provide KYB/KYC documents. · nowpayments.io, Oct 15, 2026
- AML/KYCIts AML/KYC policy says the company may verify customers, request identity or corporate documents, and screen customers against sanctions lists. · nowpayments.io, Oct 8, 2026
- APIIts payment API supports instant payment notifications and allows one order to be paid using multiple cryptocurrencies. · nowpayments.io, Oct 8, 2026
- API productsThe API catalogue includes payment, mass-payouts, custody, customer-management, recurring-payments and fiat-withdrawals APIs. · nowpayments.io, Oct 15, 2026
- Automatic conversionMerchants can automatically convert incoming cryptocurrency into a preferred coin or stablecoin. · nowpayments.io, Oct 15, 2026
- Checkout toolsProducts include invoices, payment links, payment buttons, embedded widgets, subscriptions, donations and point-of-sale tools. · nowpayments.io, Oct 15, 2026
- CompanyNOWPayments says it was founded in 2019 by the team behind ChangeNOW and identifies its operator as FD Transfers LLC, incorporated in Saint Vincent and the Grenadines. · nowpayments.io, Oct 8, 2026
- Company addressesThe About page lists a registered address in Kingstown, Saint Vincent and the Grenadines, and a postal address in Tallinn, Estonia. · nowpayments.io, Oct 8, 2026
- Company profileLinkedIn lists NOWPayments as privately held, founded in 2019, headquartered in Tallinn, Estonia, with 11–50 employees. · linkedin.com, Oct 15, 2026
- Crunchbase ownership recordCrunchbase identifies the active private company as CHN Group Limited and says it was created in 2019 by the ChangeNOW team. · crunchbase.com, Oct 15, 2026
- DocumentationOfficial API documentation is provided through Postman collections, with API materials advertised for 13 programming languages. · nowpayments.io, Oct 15, 2026
- E-commerce integrationsOfficial CMS integrations cover WooCommerce, Magento 2, OpenCart, WHMCS, PrestaShop, Shopify, Ecwid and Zen Cart. · nowpayments.io, Oct 15, 2026
- Email payoutsEmail payouts can scale from 1 to 100,000 recipients and are described as completing in under 10 seconds inside the ChangeNOW ecosystem. · nowpayments.io, Oct 15, 2026
- Fiat operationsThe API page says merchants can accept deposits in more than 20 fiat currencies and withdraw fiat profits. · nowpayments.io, Oct 15, 2026
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Questions
Is NOWPayments free?
The standard processing option has no service fee, but blockchain network fees are excluded. There is no free plan listed as a separate product tier.
Which fees does NOWPayments publish?
The stated service charge is 1.5% for autoconverted or fixed-rate payments; off-chain conversions and payments without conversion are listed at 1%. Withdrawals and mass payouts show a 0% service fee. Network fees can still apply.
What currency coverage does it list?
NOWPayments says its gateway covers more than 350 cryptocurrency coins and over 75 fiat currencies.
Does NOWPayments hold customer funds?
NOWPayments describes the default service as non-custodial and says it does not hold or store customer funds. It also says optional custody products are available.
What platforms can run NOWPayments?
The service lists Android, iOS, web and API access. Ecommerce plugins and a Node.js SDK are also available.
Can compliance checks delay payments?
Yes. The provider says a suspicious transaction may stay on hold while merchants or customers submit KYB or KYC documents.
Which security controls does the provider list?
Its homepage names two-factor authentication, role-based access control and withdrawal whitelisting among the account security features.
Is NOWPayments yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.