Overall
4.5
Ease of Use
5.0
Features
3.7
Best For
E-commerce merchants (especially small to medium-size stores)
Businesses targeting crypto-savvy or international customers
Freelancers, digital agencies, service providers or subscription-based services
Merchants wanting low-fee, low-friction payment processing
Businesses needing quick deployment of a crypto gateway without heavy DevOps overhead
Pros & Cons
Pros
- Lets you accept 200+ cryptocurrencies, including stablecoins
- Low and transparent fees
- Non-custodial
- Easy integration for online stores and platforms
- Fast and borderless payments, great for international clients
- No monthly fees or recurring gateway costs
- No chargebacks / fraud risk from chargebacks
Cons
- Crypto-only (limited or no fiat / card / traditional payment support)
- Volatility of cryptocurrencies
- Irreversible payments — mistakes can’t be undone
- Minimal support for fiat or traditional payment rails
- Potential regulatory or compliance risks (depending on jurisdiction)
Feature Breakdown
| Feature | Rating | Details |
|---|---|---|
| Invoicing | 4.5 | Generate invoices manually via the dashboard, specifically via API, or use the "recurring invoicing" feature for subscriptions (a rarity in crypto) |
| Crypto payroll | 4.0 | You can upload a simple CSV file to pay hundreds of wallet addresses simultaneously |
| Accounting sync | 2.0 | Lacks native, direct integration with major accounting software like Xero or QuickBooks. Unlike PayPal or Square which sync automatically, you will likely need to use a third-party "connector" tool (like Zapier) or manual entry to reconcile your books at the end of the month. |
| Batch payments | 4.0 | Supports many cryptocurrencies, and works via dashboard upload or API — which is a solid batch-payment capability |
| Compliance | 3.5 | NOWPayments is non-custodial by default — funds go directly to your wallet, which reduces third-party custody risk. |
See It In Action
Video Tutorials
How to accept crypto easily?
Alternative Options
BitPay
A well-established crypto payment processor that enables merchants to accept Bitcoin and convert it instantly to fiat.
Learn More
Confirmo
A crypto invoicing and payment platform designed for businesses wanting compliant, EU-friendly cryptocurrency payment processing.
Learn More
Request Finance
All-in-one crypto + fiat finance ops hub (invoices, payroll, AP/AR, accounting sync, batch payments) for teams and businesses.
Learn MoreFinal Verdict
Recommended For
Online stores, SaaS, freelancers, and digital service providers accepting crypto, businesses needing easy invoicing, payment links, or mass crypto payouts, merchants wanting low fees, fast settlement, and non-custodial direct-to-wallet transfers, and teams with crypto-savvy customers or global payments
Not Suitable For
Businesses needing fiat payment methods or deep accounting integrations, enterprises requiring advanced compliance, audit-grade reporting, or strict regulatory workflows, merchants with customers who mostly pay via cards, bank transfers, or fiat, and companies uncomfortable with crypto volatility or irreversible blockchain transactions
Frequently Asked Questions
What is NOWPayments?
It’s a crypto payment gateway that lets businesses accept 200+ cryptocurrencies online.
How much are the fees?
0.5% for same-coin payments, 1% for auto-conversion. Network (gas) fees also apply.
Can I accept fiat?
No. It is crypto-only. Fiat requires external conversion.
Are payments reversible?
No. Crypto payments are final and cannot be reversed.
Does it work in all countries?
It works globally, but local crypto regulations may affect usage.