CryptoPayIn vs NOWPayments
NOWPayments' 0.5% headline is the cheapest-looking number in the industry. The comparison worth making is the number at the bottom of the stack — and what happens to your account when volume grows.
NOWPayments, from the ChangeNOW exchange family, wins on breadth: 300+ currencies, auto-conversion between assets, plugins, mass payouts, and that famous 0.5% starting fee. For a merchant who wants every conceivable altcoin at the checkout, nothing else comes close, and credit where due — it lists Monero too.
The pricing, however, is a stack rather than a number. Auto-conversion adds ~0.5%; exchange spreads apply on conversions; custody and payout mechanics carry their own schedules. More structurally: it is a “light-KYC” platform, not a no-KYC one — thresholds and risk triggers can require documents precisely when your store starts succeeding, and its terms allow account suspension while you comply.
CryptoPayIn\'s answer is one flat 1% that includes rate-locking (no conversion product, no spread), and an account model with no thresholds to cross because there is nothing to verify at any size. The night your store goes viral is the night you least want a document request.
NOWPayments vs CryptoPayIn, dimension by dimension
Competitor details reflect published pricing and policies as of July 2026 — always verify current terms with the provider.
| Dimension | NOWPayments | CryptoPayIn |
|---|---|---|
| Headline fee | 0.5%+ | 1% flat |
| Real cost with conversion | ~1%+ plus exchange spread | 1% — no conversion product, no spread |
| KYC | Thresholds & risk triggers can require documents | Never, at any volume |
| Supported currencies | 300+ | 12 across 7 networks, all first-class |
| Monero (XMR) | Supported | Supported — on a gateway with no analytics at all |
| Account suspension | Possible pending KYC/risk review | No mechanism exists |
| Auto-conversion to stablecoin | Yes (fee + spread) | No — you settle in the paid asset |
| Signup to first invoice | Minutes (email) + later verification risk | 30 seconds, key only, no later steps |
You genuinely need long-tail altcoins beyond our twelve, want auto-conversion into a single asset, or rely on their mass-payout tooling.
You want a total cost you can compute in your head, zero risk of a document request at scale, an account with no email at all, and settlement in exactly what your customer paid.
Create your account →NOWPayments switchers ask
Isn't 0.5% cheaper than 1%?
The 0.5% applies before conversion fees (~0.5%) and exchange spreads. Stacked, typical all-in cost meets or exceeds a flat 1% — and unlike a stack, a flat fee can't surprise you.
Does NOWPayments really require KYC?
It markets light onboarding, but its terms allow document requests at volume thresholds and risk triggers, with payouts pausable meanwhile. CryptoPayIn has no such clause because there is no identity layer to enforce it with.
Why would I give up 300 coins for 12?
Checkout data industry-wide shows a handful of assets settle almost all volume: BTC, USDT, ETH, LTC, XMR, SOL. We support those first-class — plus the meme tier that actually converts (DOGE, SHIB, PEPE). Long tails add menu noise, not revenue.
Both support Monero — so what's the difference for XMR?
Consistency. An exchange-affiliated, KYC-capable platform accepting a privacy coin is one policy update from delisting it. A gateway with no KYC and no chain analytics has no such pressure — privacy is the design, not an exception.
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The switch takes one afternoon.
One endpoint, one webhook, no KYC and a flat 1% fee. Your first invoice can settle today.