NOWPayments: A Feature-Rich Crypto Payment Gateway

NOWPayments is a non-custodial cryptocurrency payment gateway launched by ChangeNOW in 2019. Headquartered in Amsterdam, Netherlands, with additional presence in Estonia, it enables businesses and developers to accept a wide array of digital assets. NOWPayments is built with a focus on security, low fees, automation, and ease of integration.

Non‑Custodial & Secure

• Non‑custodial by design: NOWPayments does not hold users’ private keys or funds. All payments are routed directly to merchants’ own wallets, minimizing counterparty risk.

• Security layers: Features include two-factor authentication (2FA), role-based multi-account management, and withdrawal whitelists, ensuring a secure and controlled payment environment.

Straightforward & Competitive Fee Structure

• Ultra-low fees: Charges a flat 0.5 % per transaction, with an optional 0.5 % added if currency conversion is used, capped at 1 % total.

• Transparent pricing: Blockchain network fees are passed through directly without any hidden markups.

• Cost-effective alternative: Compared to gateways that charge 1.5 % or more, NOWPayments offers significant savings, especially for high-volume or low-margin businesses.

Extensive Multi‑Currency Support

• 300+ cryptocurrencies supported: Including BTC, ETH, XRP, XMR, DASH, SOL, ADA, DOGE, stablecoins like USDT and USDC, and many others. The list expands regularly.

• 75+ fiat currencies: Merchants can invoice in USD, EUR, GBP, CAD, INR, AUD, BRL, THB, VND, and more, making crypto more accessible to customers around the world.

• Auto‑conversion: Customers can pay with one coin, and merchants can receive funds in another automatically converted at favorable rates.

Developer‑Friendly Integration

• Powerful APIs: NOWPayments supports 13 programming languages, RESTful architecture, fast response times, and 99.99 % uptime.

• Flexible integration options:

  • Payment API

  • Mass payouts

  • Custody API

  • Recurring payments

  • Fiat withdrawals

  • Invoicing and point‑of‑sale support

  • Payment buttons and widgets

  • Plugins for WooCommerce, Shopify, WHMCS

• Quick deployment: Developers can set up live or sandbox environments in minutes using comprehensive documentation and intuitive tools.

Fast, Reliable Transactions & Scalability

• High performance: NOWPayments is capable of handling up to 1,000 transactions simultaneously with fast backend processing for sub-5-minute settlements.

• Scalable architecture: Suitable for microtransactions and large enterprise volumes alike, with built-in tools for automation, bulk payouts, and recurring billing.

• Ideal for diverse use cases: E-commerce stores, SaaS platforms, charities, online games, and crypto-based platforms all benefit from the flexible design.

Compliance & Safety Measures

• AML/KYC for fiat-related services: Crypto-only merchants are not required to complete KYC, but fiat withdrawals or conversions must comply with applicable regulations.

• Enhanced security controls: Features such as IPN callbacks, secret keys, wallet whitelisting, and audit-friendly logs support secure and traceable operations.

Global Reach & Market Position

• Operates in over 150 countries.

• Handles more than 30 million crypto transactions monthly.

• Used by thousands of merchants from e-commerce shops to global platforms.

• Frequently updates its feature set: recent additions include WalletConnect, fiat withdrawals, and affiliate tools.

Conclusion

NOWPayments is an advanced, affordable, and flexible crypto payment gateway that makes accepting cryptocurrency both easy and secure. Its non-custodial nature, broad asset support, and automation features provide unmatched flexibility for startups, SMBs, and crypto-savvy platforms. It’s particularly strong in areas underserved by traditional payment providers and ideal for businesses looking to offer crypto checkout in under an hour.