NOWPayments

NOWPayments is a cryptocurrency payment gateway that supports over 350 cryptocurrencies, making it one of the most inclusive processors in the market. It enables merchants to accept Bitcoin, Ethereum, stablecoins, and hundreds of altcoins, with options for auto-conversion and fiat settlement.

How NOWPayments Works

NOWPayments provides a hosted checkout solution for e-commerce and service businesses. When a customer chooses to pay with cryptocurrency, NOWPayments generates an invoice with a fixed exchange rate. The platform supports auto-conversion, meaning merchants can accept any supported cryptocurrency but receive settlement in their preferred coin (e.g., USDC, USDT, or BTC). Fiat settlement is also available through partner integrations.

The platform is particularly popular for its extensive altcoin support and competitive fee structure.

Key Features

• 350+ cryptocurrencies: Accept virtually any major cryptocurrency and most altcoins
• Auto-conversion: Accept any supported coin but receive settlement in your preferred currency
• Fiat settlement: Convert crypto payments to fiat currency through partner services
• Mass payouts: Send bulk crypto payments to multiple recipients
• Donation buttons: Embeddable donation and tipping widgets
• Payment links: Create and share payment requests for one-off invoices
• Sandbox mode: Test payments before going live
• API access: Full REST API for custom integrations
• E-commerce plugins: Native integrations for WooCommerce, Shopify, Magento, and more

Fee Structure

NOWPayments offers competitive pricing:

• 0.5% per transaction for crypto-to-crypto settlements
• 1% per transaction for auto-conversion to fiat or stablecoins
• No setup fees or monthly subscription costs
• Network fees paid by the customer

These rates are among the lowest in the industry for hosted processors with such wide coin support.

Supported Cryptocurrencies

NOWPayments supports 350+ cryptocurrencies across multiple blockchains. This includes all major coins (Bitcoin, Ethereum, Solana, XRP, Litecoin, Bitcoin Cash, Dogecoin, Tron) and hundreds of altcoins. The platform supports stablecoins (USDC, USDT, DAI, BUSD) and many DeFi tokens. New coins are added regularly based on merchant demand.

Best For

NOWPayments is ideal for merchants who want to accept the widest possible range of cryptocurrencies without technical complexity. It’s particularly popular among:

• E-commerce stores with crypto-native customers
• Service providers who want to accept niche altcoins
• Content creators and influencers accepting donations
• Businesses needing mass payout capabilities
• Merchants who want auto-conversion to stablecoins

Important Considerations

• KYC required: Identity verification required for merchant accounts and higher withdrawal limits
• Fiat settlement through partners: Direct fiat settlement is available but may require additional verification or partner services
• Wide coin support: The extensive coin list is a major differentiator, but some niche coins may have lower liquidity
• Support: 24/7 customer support available
• Global availability: Available to merchants worldwide, though some restrictions may apply for sanctioned regions
• Processing time: Most payments are confirmed within minutes depending on the blockchain