NOWPayments Alternatives in 2026: Top 5 Crypto Payment Gateways

PassimPay ranks as the best overall NOWPayments alternative in 2026. It supports 74+ cryptocurrencies across 18+ blockchains, charges fees starting at 0.5%, offers automatic conversion to USDT and USDC with EUR and USD payouts, and operates through a Canadian entity registered with FINTRAC as a money services business. BitPay, CoinGate, Cryptomus, and Coinbase Business are stronger for narrower use cases such as enterprise settlement, European regulation, broader coin selection, or USDC-based payments.

Introduction

NOWPayments supports more than 350 currencies and remains one of the broadest crypto payment gateways by asset coverage. However, its pricing, settlement options, compliance model, or available integrations may not suit every business. 

This article compares the five best NOWPayments alternatives in 2026 by fees, supported cryptocurrencies, verification requirements, security, settlement options, and practical use cases. This can help merchants to choose the most suitable provider.

How We Ranked the Best NOWPayments Alternatives

The gateways were ranked as of July 2026. The comparison uses public pricing, product, legal, and support documentation from each provider.

The weighted methodology is:

• Fees and total payment cost — 25%. Published processing fees, conversion charges, fixed transaction costs, and volume-based pricing.
• Supported cryptocurrencies and networks — 20%. The number of assets and blockchains available for merchant payments.
• Security and compliance — 20%. Merchant verification, transaction screening, licensing or registration, and publicly documented security controls.
• Settlement and treasury functions — 15%. Crypto conversion, stablecoin settlement, bank payouts, supported fiat currencies, and reconciliation tools.
• Integrations and user interface — 10%. Payment links, invoices, ecommerce modules, programming interfaces, reporting, and account management.
• Support and mobile access — 10%. Published support channels and documented access to merchant functions from mobile devices.

Consumer wallet applications were not treated as merchant applications unless the provider explicitly documented business-account functionality

NOWPayments Alternatives Compared

Gateway	Fees	Supported coins	KYC	Security	Best for
PassimPay	Starting at 0.5%	74+ cryptocurrencies across 18+ blockchains	Required KYC/KYB	FINTRAC money services business registration, transaction screening, 99.99% reported availability	Best overall balance of cost, asset coverage, compliance, and EUR/USD settlement
BitPay	2% + $0.25 below $500,000 monthly; 1.5% + $0.25 from $500,000; 1% + $0.25 from $1 million	100+ cryptocurrencies across six networks	Required	Licensed and regulated operations with KYC, AML, and transaction monitoring	High-volume merchants needing established bank settlement
CoinGate	Standard 1%; custom enterprise rates	10+ payment cryptocurrencies	Required KYC/KYB	MiCA-licensed provider with AML controls	EU merchants needing regulated crypto payments and SEPA settlement
Cryptomus	2% for new users; negotiable to as low as 0.4%	100+ cryptocurrencies	Required for merchant accounts	Real-time AML screening, two-factor authentication, merchant verification	Broad coin coverage and ready-made ecommerce modules
Coinbase Business	1% for merchants migrating from Coinbase Commerce	Stablecoin-focused payments; broader assets available for trading	Required	Custodial infrastructure, transaction monitoring, sanctions screening	US and Singapore businesses already using Coinbase and USDC

1. PassimPay — Best Overall NOWPayments Alternative

PassimPay takes first place because it combines competitive processing costs with broad blockchain coverage, documented business verification, stablecoin conversion, and payouts in two major fiat currencies.

The platform supports 74+ cryptocurrencies across 18+ blockchains. Its processing fees start at 0.5%, while incoming cryptocurrency can be converted automatically into USDT or USDC. Merchants can also arrange payouts in euros or US dollars instead of retaining their full revenue in volatile assets.

PassimPay requires identity and business verification. Current public product data reports more than $4 billion in processed volume, approximately 750k transactions per month, 99.99% service availability, and more than 530 merchants. These figures give prospective merchants more operational context than general claims about reliability or ease of use.

Advantages

• Processing fees start at 0.5%, below CoinGate’s standard 1% rate and BitPay’s public entry tier of 2% plus $0.25.
• Support for 74+ cryptocurrencies across 18+ blockchains gives merchants broader network coverage than providers concentrated on a few payment networks.
• Automatic conversion into USDT or USDC reduces the need to manage volatile incoming balances manually.
• EUR and USD payouts connect crypto acceptance with conventional accounting and treasury workflows.
• KYC, KYB, transaction screening, and FINTRAC registration provide a documented compliance framework.
• Published operating figures include more than $4 billion processed, 99.99% availability, and more than 530 merchants.

Limitations

• KYC and KYB are mandatory, so PassimPay is not suitable for merchants seeking anonymous or verification-free payment acceptance.
• Its list of 74+ cryptocurrencies is smaller than the 100+ assets advertised by BitPay and Cryptomus and the 350+ currencies supported by NOWPayments.
• Businesses requiring automatic bank payouts in currencies other than euros or US dollars should confirm availability before integration.

2. BitPay — Best for High-Volume Enterprise Settlement

BitPay is one of the longest-established crypto payment processors in this comparison. It has operated since 2011 and reports more than $7 billion processed across over 13 million transactions.

Its merchant pricing is based on monthly payment volume. Businesses processing less than $500,000 per month pay 2% plus $0.25 per transaction. The rate falls to 1.5% plus $0.25 between $500,000 and $999,999 and to 1% plus $0.25 from $1 million. Higher rates may apply to high-risk industries.

BitPay supports 100+ cryptocurrencies across six networks and can settle merchants in local currency, cryptocurrency, or a combination of both. Its documentation states that customer payments can be converted into local currency before a bank settlement is initiated on the next business day.

Advantages

• More than 100 supported payment assets and compatibility with over 100 wallets.
• Bank settlement in US dollars, euros, pounds sterling, and other supported currencies.
• Next-business-day settlement after payment conversion.
• More than $7 billion processed and over 13 million transactions since 2011.
• Published KYC, AML, monitoring, and regulatory controls.
• Online, retail, invoicing, payroll, and mass-payout products are available through one provider.

Limitations

• The entry rate of 2% plus $0.25 is considerably higher than the starting fees of PassimPay and NOWPayments.
• Only six payment networks are advertised, compared with more than 18 supported by PassimPay.
• High-risk businesses may pay rates above the published tiers.
• Smaller merchants may be paying for enterprise infrastructure they do not need.

3. CoinGate — Best for EU-Regulated Crypto Payments

CoinGate is most relevant to European merchants that prioritize regulatory status and bank settlement. The company states that it operates as a crypto payment service provider licensed under the EU Markets in Crypto-Assets Regulation and applies mandatory KYC and AML procedures.

The standard payment-processing fee is 1%, with custom volume-based pricing available to enterprise customers. CoinGate also advertises instant conversion, cryptocurrency payouts, SEPA withdrawals, and SWIFT withdrawals.

Its current pricing page lists support for more than ten payment cryptocurrencies. This is significantly narrower than NOWPayments, BitPay, Cryptomus, or PassimPay, but may be sufficient for companies that mainly expect payments in Bitcoin, Ethereum, and major stablecoins.

Advantages

• A standard 1% merchant-processing fee with no monthly subscription charge.
• Licensing under the European crypto-asset regulatory framework.
• Mandatory business and identity verification.
• Instant conversion designed to reduce exposure to cryptocurrency volatility.
• SEPA and SWIFT withdrawal options.
• Availability across more than 180 countries, subject to account and service restrictions.
• Custom rates for established merchants with higher processing volume.

Limitations

• The public pricing page lists only 10+ payment cryptocurrencies.
• The standard 1% processing fee is twice PassimPay’s advertised starting rate.
• Settlement methods, supported countries, and verification times still depend on the merchant’s legal entity and risk profile.
• CoinGate is strongest for European operations rather than companies seeking the widest possible global asset list.

4. Cryptomus — Best for Coin Coverage and Ecommerce Modules

Cryptomus combines a payment gateway, business wallet, conversion functions, payouts, and ecommerce integrations. Its merchant pages advertise support for more than 100 cryptocurrencies and 23 ecommerce platforms.

The headline rate of 0.4% requires context. Cryptomus states that new users pay a 2% commission per transaction and may negotiate a reduction to as low as 0.4%, depending on business type, monthly turnover, and integration method. The lowest rate should therefore not be treated as the standard price available to every new merchant.

Cryptomus also offers automatic conversion of incoming payments, mass payouts, automatic withdrawals, real-time AML screening, two-factor authentication, and merchant verification.

Advantages

• Support for more than 100 cryptocurrencies.
• Ready-made modules for 23 ecommerce platforms.
• Automatic conversion of incoming payments into a preferred supported currency.
• Real-time screening of incoming transactions for sanctioned, stolen, fraudulent, and other high-risk sources.
• Business-account support and access through a mobile application.
• Published round-the-clock support through the website, email, and Telegram.
• More than 25,000 merchants are referenced in the company’s product materials.

Limitations

• New users begin at 2%, rather than the advertised minimum of 0.4%.
• The final rate depends on individual negotiations and processing volume.
• KYC and merchant verification are required before payment acceptance.
• Businesses requiring regulated fiat settlement should verify legal availability, payout structure, and licensing for their jurisdiction directly with Cryptomus.

5. Coinbase Business — Best for the Coinbase and USDC Ecosystem

Coinbase Commerce can no longer be treated as an active standalone alternative. Coinbase required merchants to migrate by March 31, 2026, after which the Commerce portal became inaccessible and could no longer create new payment charges.

Eligible merchants in the United States and Singapore can move to Coinbase Business. The replacement is a custodial, stablecoin-focused platform with payment links, invoices, bank offramps, payouts, accounting integrations, trading, and programming interfaces. Businesses outside the United States and Singapore are currently directed to a waiting list as Coinbase expands into additional countries.

Coinbase Business is most relevant to companies already working with Coinbase, Base, or USDC. Its broader business account can trade and hold hundreds of assets, but the payments product is centered on stablecoins rather than the extensive checkout asset lists offered by NOWPayments or other multi-coin gateways.

Advantages

• Payment links, invoices, payouts, bank offramps, custody, trading, and reporting within one account.
• Strong transaction monitoring and sanctions-screening controls.
• Accounting and reporting integrations.
• APIs for payments, transfers, trading, and fiat conversion.
• Established custody and regulated infrastructure.
• Direct fit for companies already using USDC, Coinbase, or the Base network.

Limitations

• Coinbase Commerce is closed and existing integrations require migration.
• Coinbase Business is currently available directly only to qualifying companies in the United States and Singapore.
• Payment acceptance is stablecoin-focused rather than designed around hundreds of checkout assets.
• Merchants outside supported markets may need another provider.
• The transition documentation lists a 1% payment fee for migrating Commerce merchants.

What Are the Advantages of PassimPay?

Balanced asset and network coverage

PassimPay supports 74+ cryptocurrencies across 18+ blockchains, from popular altcoins to leading stablecoins. Businesses accept the cryptocurrencies their customers typically use for payments and choose the network based on transaction fees and settlement requirements.

Predictable entry pricing

Processing fees start at 0.5%. This is below CoinGate’s standard rate, BitPay’s public entry tiers, the standard rate offered to new Cryptomus merchants, and the migration price documented for Coinbase Business.

The lowest published percentage should never be considered the only cost. Businesses should also compare blockchain charges, conversion costs, withdrawal fees, minimum payout amounts, and any individual pricing conditions before signing an agreement.

Stablecoin conversion and fiat payouts

Incoming assets can be converted automatically into USDT or USDC. Merchants can then arrange payouts in euros or US dollars, allowing the finance team to separate customer payment choice from the currency used for reporting and expenses.

Documented business verification

PassimPay requires identity and company verification rather than positioning itself as an anonymous payment gateway. Its Canadian entity is registered with FINTRAC as a money services business, giving merchants a specific legal entity and registration record to verify.

Publicly verifiable operating figures

PassimPay publishes its processed volume, monthly transaction count, service availability, and merchant count. These figures do not replace technical or financial due diligence. Yet, they provide more useful context than unsupported descriptions such as “secure,” “fast,” or “trusted.”

FAQ

What is the best alternative to NOWPayments?

PassimPay could be the best overall NOWPayments alternative for businesses that need fees starting at 0.5%, 74+ supported cryptocurrencies, 18+ blockchains, mandatory business verification, and EUR or USD payouts. BitPay may be stronger for high-volume enterprise settlement, while CoinGate is particularly relevant to EU-regulated merchants.

Does PassimPay require KYC?

PassimPay requires identity verification and business verification. Merchants should expect to submit information about the company, its representatives, beneficial owners, and business activity before using the payment-processing service.

Which NOWPayments alternative has the most supported coins?

BitPay and Cryptomus both advertise support for more than 100 cryptocurrencies, giving them the largest published asset counts among the alternatives in this comparison. Exact lists and network availability differ, so merchants should verify that the specific coin and blockchain required by their customers are supported.

Is PassimPay licensed?

PassimPay’s Canadian entity is registered with FINTRAC as a money services business. This registration provides a verifiable Canadian regulatory status.

What is the best crypto payment gateway for businesses needing fiat settlement?

PassimPay could be the best balanced option for businesses that need cryptocurrency acceptance with payouts in euros or US dollars. BitPay may be preferable for large merchants requiring settlement in a broader selection of local currencies, while CoinGate is relevant to European companies using SEPA.

Final Thoughts

PassimPay ranks first among the NOWPayments alternatives in this comparison because it combines fees starting at 0.5%, 74+ cryptocurrencies, 18+ blockchains, mandatory business verification, stablecoin conversion, and payouts in euros or US dollars.

NOWPayments still offers a larger asset list. The reason to move is therefore not simply to support more cryptocurrencies. A switch makes sense when a business needs a different balance of regulation, network coverage, pricing, conversion, and bank settlement.