NOWPayments
NOWPayments is a non-custodial cryptocurrency payment gateway that enables merchants to accept 350+ cryptocurrencies across 110+ blockchains via API, plugins, and white-label deployments, serving e-commerce, travel, gaming, and iGaming businesses globally under the ChangeNOW ecosystem.
- Company typePrivate
- Founded2019
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What NOWPayments does
NOWPayments is a non-custodial cryptocurrency payment gateway launched in 2019 as part of the ChangeNOW ecosystem, headquartered in Amsterdam, the Netherlands. The platform enables merchants to accept payments in 350+ cryptocurrencies across 110+ blockchains and 75+ fiat currencies, settling into merchant-controlled wallets without the gateway holding funds. Its technology stack is anchored by integration with the ChangeNOW non-custodial exchange (for instant coin conversion), NOWNodes (multi-chain node infrastructure), and a sister NOW Wallet product. Distribution is API-first and product-led, with a public REST API, nine pre-built e-commerce plugins (WooCommerce, Shopify, Magento 2, PrestaShop, OpenCart, WHMCS, Zen Cart, Ecwid, Shopware), a virtual PoS terminal, payment widgets, donation tools, subscriptions, mass payouts (up to 1,000 transactions per batch), custody, off-ramp payouts, white-label deployments, and an affiliate program.
NOWPayments monetises through transaction fees: 0.5% on monocurrency payments (merchant receives the same coin paid) and 1% on payments with automatic conversion to a preferred cryptocurrency, plus pass-through blockchain network fees. The company reports more than 30 million transactions per month, $10 billion in lifetime processed volume since inception, and 10,000+ new partners onboarded each month. Named enterprise customers span travel (Travala, airBaltic, Pavilion Hotels), gaming (G2A), and e-commerce (Newegg, Overstock), while a long tail of SMB and individual merchants is served through self-serve sign-up and plugins. Recent strategic activity has centred on speed and cost improvements — including a Zero-Fee Ecosystem Payouts product with 1-second settlement — and compliance tooling via Tax Toolkits integrated with KYC/KYB flows.
The company is privately held with no disclosed funding rounds, operates with an 11-50 person team, and is a subsidiary of ChangeNOW (founded 2017). Leadership attribution is inconsistent across sources: Kate Lifshits is listed as CEO in the management team data while Xena Kash is listed as CEO in the leadership section — this conflict should be reconciled before any investor outreach. Recognitions include ranking as the best crypto payment gateway of 2025 by Forbes Advisor, plus mentions by Grit Daily, Fintechnews, CoinJournal, and NFTPlazas, with a 4.4-star Trustpilot rating.
NOWPayments firmographics
Firmographics- Name
- NOWPayments
- Legal name
- NOWPayments
- Website
- https://nowpayments.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- NOWPayments is a non-custodial cryptocurrency payment gateway that enables merchants to accept 350+ cryptocurrencies across 110+ blockchains via API, plugins, and white-label deployments, serving e-commerce, travel, gaming, and iGaming businesses globally under the ChangeNOW ecosystem.
- Ownership category
- akta.pro rank
NOWPayments industry classification
Industry- Product category
- Cryptocurrency Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG), POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)
Keywords
Where NOWPayments is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Markets served
NOWPayments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel, Marketing or Sales
Revenue model
- Transaction Fees - Monocurrency: 0.5% fee charged on payments where merchant accepts payment in the same cryptocurrency they receive. Fixed service commission not dependent on turnover.
- Transaction Fees - With Conversion: 1% fee charged on payments where merchant receives auto-conversion to their preferred cryptocurrency. Network fees required by blockchains are additional.
- Network Fees: Blockchain network fees required for processing transactions, passed through to merchants. These vary based on network load and cryptocurrency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Monocurrency payments - 0.5% flat fee |
| Transaction based/ take rate | Pay-as-you-go | Payments with conversion - 1% flat fee |
| Other | Pay-as-you-go | Zero Network Fees Promotion - USDT TRC20 |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels6 records
NOWPayments product offering
Product offeringCore offering
NOWPayments is a non-custodial cryptocurrency payment gateway that enables merchants to accept 350+ cryptocurrencies across 110+ blockchains, with auto-conversion to preferred currencies, sub-3 minute settlement, and integration via API, plugins, white-label, mass payouts, and custody. The platform processes over 30 million transactions monthly and $10 billion in lifetime volume, serving e-commerce, gaming, SaaS, charity, payroll, and travel merchants globally.
Product overview
NOWPayments is a non-custodial cryptocurrency payment gateway offering a comprehensive suite of payment acceptance and fund management tools. The core product portfolio centers on the Development API, supported by no-code solutions (Payment Button, Payment Widget, Donation Tools, Invoices, Point of Sale) and e-commerce plug-ins (WooCommerce, Shopify, PrestaShop, OpenCart, Magento 2, WHMCS, Zen Cart, Ecwid, Shopware). Fund management is handled through Mass Payouts, Custody, and Off-ramp services. The platform supports 350+ cryptocurrencies and 75+ fiat currencies, with Auto-Conversion enabling merchants to receive payments in their preferred currency. Additional modules include Crypto Subscriptions for recurring billing, White Label for enterprise branding, and Tax Toolkits for compliance. Recent additions include Zero-Fee Ecosystem Payouts for instant, fee-free partner earnings distribution.
Differentiator
Problem solved
Functional benefit
Products and services
- Development API RESTful API enabling developers to integrate cryptocurrency payment acceptance into websites and applications. Supports payment processing, auto-conversion, and real-time transaction notifications via webhooks. Targeted at developers and technical teams at merchants.
- Invoices Crypto invoice tool allowing merchants to create and send payment requests without website integration. Customers receive a payment link and can pay with any of 300+ supported cryptocurrencies. Targeted at SMBs and freelancers.
- Fiat Payments
Quantifiable outcome
- Crypto payment fees are 50-90% lower than traditional payment methods
- +4 more outcomes
Companies that use NOWPayments
Customer profileNamed customers9 records
Segments9 records
Ideal customer profiles6 records
NOWPayments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature6 records
NOWPayments partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered strategic and core.
- PlutoPestrategicStrategic partnership with PlutoPe (non-custodial wallet built on Bolt network) enables users to accept crypto payments seamlessly. Integration provides buy, sell, swap functionality and enhanced liquidity through ChangeNOW infrastructure.
- ChangeNOWcoreChangeNOW is the parent company and non-custodial exchange that powers NOWPayments' instant coin conversion. This integration enables auto-conversion of received crypto to merchant's preferred currency at favorable rates, and provides the infrastructure for the custody and settlement features.
- NOWNodescoreSister company providing blockchain node infrastructure that supports NOWPayments' multi-blockchain operations across 110+ networks.
- WooCommercecorePre-built payment plugin for WooCommerce e-commerce platform enabling easy crypto acceptance for WordPress-based online stores.
- ShopifycoreOfficial payment app integration for Shopify merchants to accept cryptocurrency payments.
- OpenCartcorePayment plugin for OpenCart e-commerce platform enabling crypto acceptance.
- PrestaShopcorePayment module for PrestaShop enabling cryptocurrency checkout for merchants.
- Magento 2corePayment extension for Magento 2 enterprise e-commerce platform.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
NOWPayments competitors and assessment
Company assessmentDirect peers
- BitPay: BitPay is the longest-established crypto payment gateway, offering merchant checkout, invoices, and mass payouts across major cryptocurrencies. It directly competes with NOWPayments for the same enterprise and SMB merchant base with overlapping plugin coverage and fiat settlement.
- CoinsPaid: CoinsPaid provides crypto payment processing for merchants and iGaming operators with custody, payouts, and fiat off-ramp. It directly competes with NOWPayments in gambling/casino verticals and offers similar mass-payout infrastructure.
- Crypto.com Pay: Crypto.com Pay is a merchant payment solution integrated with the Crypto.com wallet and card ecosystem. It competes with NOWPayments in merchant checkout and offers comparable fiat settlement features.
- Alchemy Pay: Alchemy Pay is a crypto-fiat payment gateway serving merchants in Asia and globally with on/off-ramp infrastructure. It directly competes with NOWPayments in fiat on-ramp and crypto checkout, particularly in emerging markets.
- Binance Pay: Binance Pay is the payment arm of Binance exchange, enabling crypto transfers and merchant acceptance across Binance's user base. It directly competes with NOWPayments for merchants seeking access to a large crypto wallet user pool.
- CoinGate: CoinGate is a crypto payment gateway supporting 70+ cryptocurrencies with merchant plugins, POS, and mass payouts. It competes head-to-head with NOWPayments in e-commerce plugin coverage, take-rate pricing, and European SMB targeting.
- Coinbase Commerce: Coinbase Commerce is the merchant payment arm of Coinbase, offering crypto checkout and invoicing to global merchants. It directly competes with NOWPayments in API-first crypto acceptance with similar target customers and integrations.
- Triple-A: Triple-A is a crypto payment gateway licensed by MAS (Singapore) offering merchant checkout, invoicing, and fiat settlement across multiple cryptocurrencies. It competes with NOWPayments in regulated crypto payments with an emphasis on enterprise compliance.
Emerging players
- BTCPay Server: BTCPay Server is an open-source, self-hosted crypto payment processor popular with crypto-native merchants. It overlaps with NOWPayments in non-custodial philosophy but serves more technical/privacy-focused users rather than turnkey SaaS merchants.
Broad incumbents
- Stripe: Stripe is the dominant global online payments incumbent that has expanded into stablecoin/USDC acceptance. While not a pure crypto gateway, its scale, developer platform, and merchant relationships make it a strategic competitor as crypto payments converge with mainstream rails.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
NOWPayments social profiles
Digital presenceNOWPayments financial estimates
Financial estimateRevenue estimate
Valuation estimate
NOWPayments leadership team
Management profileNumber of profiles
Profiles2 records
NOWPayments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NOWPayments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NOWPayments
What does NOWPayments do?
NOWPayments is a non-custodial cryptocurrency payment gateway that enables merchants to accept 350+ cryptocurrencies across 110+ blockchains, with auto-conversion to preferred currencies, sub-3 minute settlement, and integration via API, plugins, white-label, mass payouts, and custody. The platform processes over 30 million transactions monthly and $10 billion in lifetime volume, serving e-commerce, gaming, SaaS, charity, payroll, and travel merchants globally.
Is NOWPayments a public or private company?
NOWPayments is a private company. It is classified as corporate owned and is currently operating.
When was NOWPayments founded?
NOWPayments was founded in 2019. It employs 11 to 50 people.
Where is NOWPayments based?
NOWPayments is headquartered in Amsterdam, Netherlands, in the Europe region.
How does NOWPayments make money?
Three revenue lines are on record. Transaction Fees - Monocurrency is the primary driver. The others are transaction Fees - With Conversion and network Fees.
Who are NOWPayments's main competitors?
Direct peers on record are BitPay, CoinsPaid, Crypto.com Pay, Alchemy Pay, Binance Pay, CoinGate, Coinbase Commerce and Triple-A. BTCPay Server is listed as an emerging player. Stripe is listed as a broad incumbent.
Does NOWPayments have an API?
Yes. NOWPayments offers a public API enabling developers to integrate cryptocurrency payment acceptance into websites and applications. The API supports payment processing, invoice generation, and auto coin conversion features. Developers can access API documentation via Postman, with endpoints for standard e-commerce payment flows and IPN (Instant Payment Notification) callbacks for transaction confirmations. Authentication uses API keys, with example code showing axios-based implementation. Developer documentation is at documenter.getpostman.com/view/7907941/2s93JusNJt.
What industry is NOWPayments in?
NOWPayments's product category is Cryptocurrency Payment Processing. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of FSADAIAB, Crypto Merchant Acquirers & PSPs (Payment Service Providers). Its NAICS code is 522320 and its SIC code is 6200.