NOWPayments

Overview

NOWPayments is a non-custodial crypto payment gateway that lets businesses accept Bitcoin, stablecoins and 300+ cryptocurrencies with the lowest commission on the market — just 0.5%. Recognized by Forbes Advisor as the best crypto payment gateway of 2025, it processes 30M+ transactions per month and has cleared $10 billion since launch in 2019.

The platform supports 350+ crypto coins and 75+ fiat coins, with automatic coin conversion at favorable rates, fiat-to-crypto and crypto-to-fiat flows, and the ability to process up to 1000 transactions simultaneously — all with 24/7 support and no KYC required for the merchant checkout.

With a Trustpilot rating of 4.5 from 990+ reviews and 10,000+ new partners per month, NOWPayments has become the default gateway for high-risk and crypto-native verticals — casinos, iGaming, trading platforms, adult business, e-commerce, token generation events, SaaS, marketplaces, charity and payroll.

Best for: merchants who need a fast, non-custodial, multi-coin checkout that supports high-risk verticals and offers optional fiat settlement without the compliance friction of a fully regulated PSP.

Fees & Pricing

Pricing at a glance

0.5% per transaction — the lowest commission on the crypto gateway market.
No setup fees — free account creation, no monthly minimums.
No KYC required for the standard merchant checkout — funds settle directly to your own wallet.
Network fees — paid by the customer from their wallet and shown transparently at checkout.

Settlement

Non-custodial — NOWPayments never holds your funds; payouts land directly in your wallet.
Average settlement ~5 minutes — on-chain confirmation time, depending on the coin.
Auto-conversion of coins at a favorable rate — accept any of 350+ coins, settle in your preferred asset.
Fiat payout option — convert crypto revenue to 75+ fiat currencies via integrated partners.

Bottom line

At 0.5% with no setup or monthly fees, NOWPayments sits at the low end of the crypto-gateway fee spectrum — below most exchange-issued gateways (BitPay 1-2%, Coinbase Commerce 1%) and competitive with CoinGate (0.5-1%). The non-custodial model also removes a major counterparty risk that tanked earlier custodial gateways.

Features & Integrations

Industry-leading coin coverage

350+ cryptocurrencies — the widest coin list of any major gateway, including Bitcoin, Ethereum, stablecoins (USDT, USDC, DAI), and obscure altcoins.
75+ fiat currencies supported for payout, with auto-conversion of coins at a favorable rate.
Both fiat-to-crypto and crypto-to-fiat flows in a single integration.

Scale and throughput

Process up to 1,000 transactions simultaneously — built for high-volume iGaming and trading platforms.
30M+ finished transactions per month across the network.
$10 billion processed since 2019 — enterprise-grade volume.

Vertical-specific solutions

Dedicated build-outs for Casinos, iGaming, Trading Platforms, Adult Business — verticals most fiat PSPs refuse.
Plus dedicated flows for E-commerce, Token Generation Events, SaaS and Web Services, Marketplace, Charity and Payroll.

Developer-friendly integration

API, SDKs, plugins for Shopify, WooCommerce, WHMCS, Magento, OpenCart, PrestaShop and more.
Hosted checkout, invoices, donation buttons, mass payouts and recurring billing — all available out of the box.
Non-custodial flow — funds settle directly to your wallet, never held by NOWPayments.

Support and awards

24/7 support with dedicated managers for high-volume accounts.
Multi-award winner: Best Crypto Payment Gateway Global 2025 (World Business Outlook, IntlBM), Best Crypto Payment Gateway of 2025 (Forbes Advisor), Best Cryptocurrency Processing Global 2025 (World Economic Magazine), Best Online Payment Solution of the Year (Ucompares 2025), Shortlisted Euro Med Awards 2025.
Trustpilot 4.5 from 990+ verified reviews.

Pros & Cons

Pros

Lowest commission on the market — 0.5% per transaction, no setup or monthly fees
350+ cryptocurrencies and 75+ fiat currencies — widest coin coverage of any major gateway
Non-custodial — funds settle directly to your own wallet, no counterparty risk
No KYC required for the standard merchant checkout
Scale: 30M+ transactions/month, $10B+ processed since 2019, up to 1000 concurrent transactions
Auto-conversion of coins at favorable rates — accept any coin, settle in your preferred asset
Fiat-to-crypto and crypto-to-fiat flows supported in one integration
Vertical-specific solutions for casinos, iGaming, trading, adult, e-commerce, SaaS, charity, payroll
Plugins for Shopify, WooCommerce, WHMCS, Magento, OpenCart and PrestaShop
Trustpilot 4.5 (990+ reviews) — strong genuine merchant reputation
Multi-award winner in 2025 — Forbes Advisor, World Business Outlook, IntlBM, World Economic Magazine
24/7 support with dedicated account managers for high-volume merchants
Accepts high-risk verticals that fiat PSPs refuse

Cons

Non-custodial means you must manage your own wallet security and key custody
Average ~5-minute on-chain settlement — slower than instant card rails
0.5% fee plus customer-paid network fees — total cost varies with chain congestion
No native card-processing — crypto-only flow unless paired with a card PSP
High-risk vertical focus (casinos, iGaming, adult) may carry reputational baggage for mainstream brands
Fiat payout relies on third-party partners — extra fees and KYC apply at the off-ramp

Frequently Asked Questions

What is NOWPayments?

A non-custodial crypto payment gateway that lets businesses accept Bitcoin, stablecoins and 300+ cryptocurrencies at a 0.5% commission — the lowest on the market. Funds settle directly to your own wallet, with optional auto-conversion and fiat payout in 75+ currencies.

How much does NOWPayments cost?

0.5% per transaction — the lowest commission on the crypto gateway market. No setup fees, no monthly fees, no minimums. Network fees are paid by the customer from their wallet and shown transparently at checkout.

Is KYC required?

No — NOWPayments does not require KYC for the standard merchant checkout. (KYC may apply at the third-party fiat off-ramp if you choose fiat payout.)

How fast is settlement?

Average ~5 minutes — typical on-chain confirmation time depending on the coin. Funds settle directly to your own wallet, never held by NOWPayments.

Which cryptocurrencies can I accept?

350+ cryptocurrencies including Bitcoin, Ethereum, USDT, USDC, DAI and most major and minor altcoins — the widest coin list of any major gateway.

Can I get paid in fiat?

Yes — NOWPayments supports fiat-to-crypto and crypto-to-fiat flows in 75+ fiat currencies via integrated partners. Auto-conversion runs at a favorable rate so you can accept any coin and settle in your preferred asset.

Which integrations are supported?

API, SDKs, and pre-built plugins for Shopify, WooCommerce, WHMCS, Magento, OpenCart, PrestaShop and more. Hosted checkout, invoices, donation buttons, mass payouts and recurring billing all available out of the box.

Is NOWPayments suitable for high-risk businesses?

Yes — NOWPayments has dedicated vertical solutions for casinos, iGaming, trading platforms and adult business, plus e-commerce, token generation events, SaaS, marketplaces, charity and payroll. Verticals that fiat PSPs typically refuse are welcome.

How big is NOWPayments?

30M+ finished transactions per month, $10 billion processed since 2019, and 10,000+ new partners joining each month. Trustpilot 4.5 from 990+ reviews. Multi-award winner in 2025 — Forbes Advisor, World Business Outlook, IntlBM and World Economic Magazine.

Who is NOWPayments best for?

Merchants who need a fast, non-custodial, multi-coin checkout that supports high-risk verticals (casinos, iGaming, adult) and offers optional fiat payout without the compliance friction of a fully regulated PSP.