NOWPayments
Crypto payment gateway with 350+ coins, invoices, mass payouts and plugins for online merchants.
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NOWPayments key facts
| Category | Crypto payments |
|---|---|
| Platforms | Web, API, Plugins |
| Fees | 1% service fee |
| Chains | 350+ crypto coins, 75+ fiat currencies |
| US availability | Not available: terms exclude US residents and citizens |
| Company | FD Transfers LLC (St. Vincent and the Grenadines) |
What is NOWPayments?
NOWPayments is a crypto payment gateway for online businesses. Its pricing page lists a 1% service fee and support for 350+ currencies, and the homepage cites $10 billion processed since 2019. Products include invoices, mass payouts, custody and off-ramp payouts. Its terms state the service is not offered to residents or citizens of the United States, so US merchants cannot use it.
How NOWPayments works
A merchant registers an account, as a business or an individual, and creates payment requests as invoice links or simple requests showing an address and amount; the site also lists an API, a payment button, plugins, a point-of-sale page and a widget.
Each generated deposit address is meant for one purchase only. The merchant can freeze the rate with the Fixed Rate option, valid for 10 minutes, and choose Fee paid by user so the customer covers the commission.
If a payment at the floating rate cannot complete automatically, for example because the amount received is short, NOWPayments may finish it manually and mark it Partially Paid. The Custody product keeps balances in hot and cold storage, allows off-chain conversions without network fees, and limits withdrawals to authorized IP addresses and wallets behind 2FA.
How to start with NOWPayments
- The terms list minimums per coin, set by network conditions, and payments below them cannot be completed.
- KYC can include email and phone checks, document verification, a liveness check and AML screening through a third-party provider.
- The terms state the service is not offered to residents or citizens of the United States, the EU, the UK or the UAE, or to people located in Russia, so US merchants cannot use it.
NOWPayments fees and limits
- The pricing page lists a 1% service fee, and the homepage calls it a starting fee with loyalty discounts, with enterprise pricing on request.
- Mass payouts to ChangeNOW wallets by email are advertised with $0 fees.
The fee is deducted before funds reach your wallet. Network fees and exchange conversion costs are on top and are borne by the merchant, even when no conversion happens.
Risks to know before using NOWPayments
- The contracting party is FD Transfers LLC, registered in St. Vincent and the Grenadines, and some services, including custody, are delivered by unnamed third parties.
- With Custody, NOWPayments holds your balance, so you depend on its security and solvency.
- Network fees can change after the 10-minute fixed-rate window, which can reduce what you receive, and refunds for unsupported coins are handled case by case.
NOWPayments alternatives
Other projects people compare with NOWPayments.
Stripe payment method that lets businesses accept USDC and other stablecoins and settle in local currency.
Licensed stablecoin payment provider for enterprises, with checkout, payouts and local currency settlement.
Crypto payment processor that lets merchants accept Bitcoin, Ethereum and stablecoins and settle in fiat.
Custodial Coinbase business account for accepting stablecoin payments, payment links and invoices.
Payment processor for card, bank and wallet pay-ins and payouts, with USDC settlement to Solana, EVM or Stellar.
NOWPayments pros and cons
- 1% starting service fee with loyalty discounts
- 350+ coins supported
- Mass payouts of up to 1000 transactions at a time
- Terms exclude merchants in the US, EU, UK and UAE
- Enterprise pricing only on request
- Network fees are on top of the service fee
NOWPayments FAQ
What is NOWPayments?
NOWPayments is a crypto payment gateway for online businesses. Its pricing page lists a 1% service fee and support for 350+ currencies, and the homepage cites $10 billion processed since 2019. Products include invoices, mass payouts, custody and off-ramp payouts. Its terms state the service is not offered to residents or citizens of the United States, so US merchants cannot use it.
How much does NOWPayments cost?
1% service fee, according to NOWPayments’s own page (checked Sep 26, 2026).
Is NOWPayments available in the US?
Not available: terms exclude US residents and citizens, according to NOWPayments’s own page (checked Sep 26, 2026).
Sources
How this page works
Sources: NOWPayments: official site, NOWPayments: Pricing, NOWPayments: Homepage. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.