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NOWPayments

nowpayments.io

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Spec score 8.5 #11 of 66 in Payment Gateways

What it is

NOWPayments lets businesses accept cryptocurrency payments on websites, online stores, and social media accounts. Its homepage says the gateway supports 350+ crypto coins and 75+ fiat coins. Payment options include invoices, subscriptions, buttons, donations, point of sale, widgets, plugins, and a white-label option. The API supports instant payment notifications and allows one order to be paid with multiple cryptocurrencies. Named ecommerce integrations include WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid. NOWPayments describes its service as non-custodial and says it does not hold or store customer funds. Received crypto can be converted automatically into a chosen cryptocurrency using ChangeNOW. Account security controls include two-factor authentication, role-based access, and withdrawal whitelisting. The company presents the service for businesses including ecommerce, gaming, SaaS, marketplaces, charities, payroll, and travel. It advertises 24/7 support. NOWPayments was founded in 2019 by the team behind ChangeNOW and identifies FD Transfers LLC as its operator. The listed standard payment processing plan is free; blockchain network fees are excluded, and enterprise pricing is available on request.

Spec sheet

What it does
NOWPayments is a non-custodial gateway for accepting cryptocurrency payments, donations and payouts through websites, stores and social accounts.Read 15 Oct 2026 · nowpayments.io
Product
NOWPayments lets businesses accept cryptocurrency payments on websites, online stores, and social media accounts.Read 8 Oct 2026 · nowpayments.io
API
Its payment API supports instant payment notifications and allows one order to be paid using multiple cryptocurrencies.Read 8 Oct 2026 · nowpayments.io
Integrations
NOWPayments names WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid among its ecommerce plugin integrations.Read 8 Oct 2026 · nowpayments.io
Support
The pricing page advertises 24/7 support.Read 15 Oct 2026 · nowpayments.io
Founded
2019Read 28 Sep 2026 · nowpayments.io
Company
NOWPayments 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.Read 8 Oct 2026 · nowpayments.io
AML and KYC
NOWPayments says suspicious transactions may be held while merchants or customers provide KYB/KYC documents.Read 15 Oct 2026 · nowpayments.io
AML/KYC
Its AML/KYC policy says the company may verify customers, request identity or corporate documents, and screen customers against sanctions lists.Read 8 Oct 2026 · nowpayments.io
API products
The API catalogue includes payment, mass-payouts, custody, customer-management, recurring-payments and fiat-withdrawals APIs.Read 15 Oct 2026 · nowpayments.io
Automatic conversion
Merchants can automatically convert incoming cryptocurrency into a preferred coin or stablecoin.Read 15 Oct 2026 · nowpayments.io
Checkout tools
Products include invoices, payment links, payment buttons, embedded widgets, subscriptions, donations and point-of-sale tools.Read 15 Oct 2026 · nowpayments.io
Company addresses
The About page lists a registered address in Kingstown, Saint Vincent and the Grenadines, and a postal address in Tallinn, Estonia.Read 8 Oct 2026 · nowpayments.io
Company profile
LinkedIn lists NOWPayments as privately held, founded in 2019, headquartered in Tallinn, Estonia, with 11–50 employees.Read 15 Oct 2026 · linkedin.com
Crunchbase ownership record
Crunchbase identifies the active private company as CHN Group Limited and says it was created in 2019 by the ChangeNOW team.Read 15 Oct 2026 · crunchbase.com
Documentation
Official API documentation is provided through Postman collections, with API materials advertised for 13 programming languages.Read 15 Oct 2026 · nowpayments.io
E-commerce integrations
Official CMS integrations cover WooCommerce, Magento 2, OpenCart, WHMCS, PrestaShop, Shopify, Ecwid and Zen Cart.Read 15 Oct 2026 · nowpayments.io
Email payouts
Email payouts can scale from 1 to 100,000 recipients and are described as completing in under 10 seconds inside the ChangeNOW ecosystem.Read 15 Oct 2026 · nowpayments.io
Fiat operations
The API page says merchants can accept deposits in more than 20 fiat currencies and withdraw fiat profits.Read 15 Oct 2026 · nowpayments.io
Intended customers
The site presents solutions for ecommerce, casinos, gaming, adult platforms, trading platforms, SaaS, marketplaces, charities, payroll, and travel businesses.Read 8 Oct 2026 · nowpayments.io
Legal entity
NOWPayments' privacy documentation identifies NOWPayments Ltd, registry code 224532, incorporated in Seychelles.Read 15 Oct 2026 · sandbox.nowpayments.io
Limit: G2 fees and interface
G2 reviewers mention high conversion fees, limited fee transparency, an unattractive interface and no dark mode.Read 15 Oct 2026 · g2.com
Limit: G2 mobile and POS
G2 reviewers complain that there is no mobile application and no point-of-sale support.Read 15 Oct 2026 · g2.com
Limit: plugin maintenance
An independent review reports that only the WooCommerce plugin was recently updated, while several other CMS integrations had releases dating from 2020–2022.Read 15 Oct 2026 · payyd.io
Limit: Shopify integration
The same review says the Shopify guide no longer works after Shopify made scripts view-only and found no NOWPayments Shopify App Store app.Read 15 Oct 2026 · payyd.io
Limit: Trustpilot processing delays
Some Trustpilot reviewers report delayed processing or weak status updates; NOWPayments attributes speed to network and asset conditions.Read 15 Oct 2026 · trustpilot.com
Mass payouts
Mass Payouts supports dashboard CSV uploads or API calls and can send to up to 1,000 addresses in one operation.Read 15 Oct 2026 · nowpayments.io
Non-custodial
NOWPayments describes its service as non-custodial and says it does not hold or store customer funds.Read 8 Oct 2026 · nowpayments.io
Non-custodial model
The service says it does not hold merchants' funds by default, although optional custody products are available.Read 15 Oct 2026 · nowpayments.io
Notable news: mass payouts
A PRNewswire release dated August 3, 2021 announced NOWPayments' mass-payments solution for sending cryptocurrency to many wallets through one API call.Read 15 Oct 2026 · prnewswire.com
Notable news: zero-fee ecosystem payouts
A June 1, 2026 release announced zero-fee ecosystem payouts through ChangeNOW Pro wallets, including email payout links and settlement claimed at up to one second.Read 15 Oct 2026 · theblock.co
Official SDK
NOWPayments publishes a Node.js SDK with hosted checkout, direct payments, status polling, payouts and webhook verification.Read 15 Oct 2026 · github.com
Plugin requirements
The WooCommerce plugin requires a NOWPayments account, a cryptocurrency wallet and an API key; the listed plugin version supports WooCommerce through 10.7.Read 15 Oct 2026 · nowpayments.io
Praise: G2 integration and coverage
G2 reviewers repeatedly praise easy integration, broad cryptocurrency support, automatic conversion and responsive support.Read 15 Oct 2026 · g2.com
Praise: Trustpilot setup and support
Trustpilot reviews commonly describe easy integration, many cryptocurrency choices, fast processing and quick support replies.Read 15 Oct 2026 · trustpilot.com
Processing features
The service offers invoices, subscriptions, payment buttons, donation tools, point of sale, widgets, plugins, and a white-label option.Read 8 Oct 2026 · nowpayments.io
Rating on G2
4.5 out of 5 from 13 reviewsRead 15 Oct 2026 · g2.com
Rating on Trustpilot
4.5 out of 5 from 1,100 reviewsRead 15 Oct 2026 · trustpilot.com
SDK licence
The public Node.js SDK repository is released under the MIT licence.Read 15 Oct 2026 · github.com
SDK requirements
The Node.js SDK requires Node.js 18 or newer, uses ESM and has no runtime dependencies.Read 15 Oct 2026 · github.com
Security controls
The homepage lists two-factor authentication, role-based access and withdrawal address whitelisting.Read 15 Oct 2026 · nowpayments.io
Supported currencies
The pricing page advertises more than 350 supported currencies.Read 15 Oct 2026 · nowpayments.io
Trustpilot response practice
Trustpilot states that NOWPayments replies to 100% of negative reviews, usually within 24 hours.Read 15 Oct 2026 · trustpilot.com
TrustRadius pricing listing
TrustRadius shows no listed plans, free version or trial, while describing fees starting at 0.5% or lower for higher turnover.Read 15 Oct 2026 · trustradius.com

Plans and prices

Standard payment processing Free Network fees required by blockchains are excluded · Enterprise pricing available on request Read 8 Oct 2026 · nowpayments.io
Autoconverted or fixed-rate payments Price not published 1.5% service fee · network fee Read 15 Oct 2026 · nowpayments.io
Off-chain conversions Price not published 1% conversion fee Read 15 Oct 2026 · nowpayments.io
Payments without conversion Price not published 1% service fee · network fee Read 15 Oct 2026 · nowpayments.io
Withdrawals and mass payouts Price not published 0% service fee · blockchain network fee only Read 15 Oct 2026 · nowpayments.io

Every NOWPayments plan and price →

Strong points and limits

Strong points

  • Supports 350+ crypto coins and 75+ fiat coins.
  • Offers subscriptions, invoices, donations, and point of sale.
  • API supports multi-cryptocurrency payments for one order.
  • Lists seven ecommerce platform integrations.
  • Advertises 24/7 support.

Limits

  • Blockchain network fees are excluded.
  • Enterprise pricing is available on request.
  • Customer verification and document requests may apply.

Who it suits

NOWPayments suits businesses that want to accept cryptocurrency through online channels. Its listed use cases include ecommerce, gaming, SaaS, marketplaces, charities, payroll, and travel.

NOWPayments in depth

Read the full write-up

NOWPayments is a non-custodial cryptocurrency gateway for merchants accepting digital-asset payments across stores, websites and social channels. It is strongest for businesses that need many coins and several collection formats rather than a single checkout. The broad integration surface is useful, but costs still include blockchain fees and compliance-related customer checks.

Overview

Founded in 2019 by the team behind ChangeNOW, NOWPayments serves ecommerce companies, SaaS providers, marketplaces, casinos, gaming and adult platforms, trading services, charities, payroll operations and travel businesses. The service says it does not hold or store customer funds, which makes its non-custodial model a fit for merchants that want payments routed without leaving balances in the processor's custody.

Customers can pay with more than 350 cryptocurrencies, while fiat support covers more than 75 currencies through connected providers. Banxa is named for card and bank-transfer payments. Businesses can therefore offer crypto and selected fiat methods in the same overall payment setup, although network charges from blockchains remain separate from the processing price.

Key features

Collection tools include invoices, recurring subscriptions, payment buttons, donation pages, point of sale, widgets, plugins and a white-label option. Recurring billing and marketplace payments are supported, so the product reaches beyond one-off ecommerce checkouts. The range is particularly relevant to charities, subscription software and platforms paying or collecting on behalf of multiple parties.

The API provides instant payment notifications and allows a single order to be settled with multiple cryptocurrencies. That is useful when customers hold different assets and a merchant wants one order flow rather than separate orders for each coin. API, SDK and plugin coverage is part of the offering.

Named ecommerce integrations include WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop and Ecwid. Received cryptocurrency can be automatically converted to a chosen cryptocurrency through ChangeNOW, reducing the need for a merchant to manage every accepted asset manually. Account controls include two-factor authentication, role-based access control and withdrawal whitelisting.

Compliance can affect the payment experience. NOWPayments may verify customers, ask for identity or corporate documents, and screen customers against sanctions lists. Its homepage advertises 24/7 support, which matters for merchants operating across time zones.

Pricing

Standard payment processing: free. The plan has no stated processing charge in the supplied terms, but blockchain network fees are required separately. Enterprise pricing is available on request, making that route appropriate for organisations needing a tailored commercial arrangement rather than a published standard plan.

The free processing price should not be read as an all-in transaction cost: network charges can vary by blockchain and transaction. Cryptocurrency payments are supported directly, while fiat payments depend on supported providers such as Banxa. There is no free plan because the service is presented as paid, despite the standard processing line showing 0.00 USD.

Platforms

NOWPayments is available through web, Android and iOS, with API access for custom products and integrations. Plugin support makes it practical for the named ecommerce systems, while the API is the better fit for a bespoke checkout, marketplace or internal billing flow.

Who it's for

Choose NOWPayments when broad coin coverage, recurring or marketplace payments, and multiple checkout formats are central requirements. It is also a sensible fit for merchants wanting non-custodial handling and optional automatic conversion. Businesses with strict cost predictability should budget separately for network fees, and regulated operations should be prepared for possible identity and corporate-document requests.

Pros and cons

Pros: More than 350 cryptocurrencies and 75+ fiat currencies give merchants wide payment reach.

Pros: Invoices, subscriptions, donations, point of sale, widgets, plugins and white-label tools cover varied sales models.

Pros: Instant notifications, multi-cryptocurrency orders and API/SDK/plugin coverage support custom payment flows.

Pros: Non-custodial operation, automatic conversion through ChangeNOW and account controls such as 2FA and withdrawal whitelisting reduce operational friction.

Cons: Blockchain network fees are outside the 0.00 USD processing price, so final costs are not fixed by the plan alone.

Cons: Verification, document requests and sanctions screening may add compliance steps for customers and merchants.

Alternatives

Compare the Crypto Payment Processors list for a wider field of crypto-focused gateways, or the Payment Gateways list when conventional checkout capabilities matter as much as cryptocurrency.

BitPay is worth considering if a free plan and Linux, macOS or Windows support are priorities, with pricing organised around monthly transaction volume. KuCoin Pay suits merchants seeking consumer payments with no KuCoin Pay fee, while merchant pricing is volume-based and handling fees may be added.

Plisio is the better starting point for a freemium setup that includes a free wallet and a separately priced gateway API. CoinPayments offers API and web access with percentage-based processing modes. Apirone uses fixed service fees by cryptocurrency and transfer type. BTCPay Server is the choice for self-hosting with no subscriptions or transaction fees. CoinRemitter provides a free tier with a 0.23% transaction fee and request, address and support limits. Strike API is another paid API option for Android, iOS, web and custom integrations.

Verdict

NOWPayments is a strong match for merchants that need extensive cryptocurrency coverage, varied payment instruments and API-led flexibility without taking custody of customer funds. Look elsewhere if blockchain-fee variability or potential verification requirements conflict with a tightly predictable, low-friction checkout.

Verdict

NOWPayments offers multiple ways for businesses to accept crypto, with API and ecommerce integration options. The listed processing price excludes blockchain network fees, and customer verification may be required.

Where Specifiction places it

Alternatives to NOWPaymentsAll alternatives →