NOW PAYMENTS

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COMPANY detail

NOWPAYMENTS
Start accepting crypto payments NOW

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NOW PAYMENTS

Company Overview.

Year Founded 2019
Status Private
Specialties Crypto, Finance, Fintech
Company Size 11-50 Employees
Industry Financial Services
Location Tallinn, Estonia

Description.

NOWPayments is a non-custodial crypto payment gateway founded in 2019 and operated by FD Transfers LLC, a company incorporated in Saint Vincent and the Grenadines, with operational headquarters in Tallinn, Estonia. Launched by ChangeNOW (the team behind the instant crypto exchange of the same name), NOWPayments processes 30M+ transactions per month and has handled over $10B since inception, serving 10k+ new partners monthly. The platform offers a modular toolkit spanning Payments API, invoices, fiat payments, subscriptions, payment widgets, POS, plugins, and white-label gateway solutions — all powered by auto-conversion through ChangeNOW's exchange infrastructure. 

The platform charges a fixed 0.5% commission for monocurrency payments and 1% for multi-currency conversions (with exchange), with zero fees on payouts. Key features include mass payouts, scheduled withdrawals, custody tools, Banxa fiat on-ramp integration, and a White Label program offering full frontend customization with API integration in 13 programming languages. NOWPayments targets high-volume sectors including e-commerce, iGaming, casinos, trading platforms, adult platforms, SaaS, marketplaces, charities, payroll teams, and travel agencies. Kate Lifshits has served as CEO since June 2024.

Key Infrastructure.

Payments API
Payments API
REST API enabling merchants to embed cryptocurrency payment acceptance on websites and apps, supporting 200+ cryptocurrencies with automatic settlement to merchant wallets.
Fiat Payments
Fiat Payments
Fiat on-ramp via Banxa integration enabling customers to pay with credit cards, bank transfers, and local payment methods, auto-converted to crypto for the merchant.
Payment Widget & Button
Payment Widget & Button
Embeddable payment widget and one-click payment button for websites and stores, requiring minimal integration, a single HTML code snippet to deploy.
Subscription Billing
Subscription Billing
Recurring payment module for subscription-based businesses, supporting automated crypto charge collection at defined intervals.
Invoicing
Invoicing
Crypto invoice generator allowing merchants to create, send, and track payment requests with automatic conversion to preferred cryptocurrency or fiat.
Point of Sale
Point of Sale
Physical point-of-sale solution enabling in-person crypto payments for retail environments.

Additional Features.

Auto-Conversion
Automatic conversion of incoming crypto to the merchant’s preferred coin or fiat at settlement, powered by ChangeNOW.
API Documentation
Postman-hosted API docs with examples in 13 programming languages, plus IPN (Instant Payment Notification) integration support.
Donation Widget
Dedicated donation widget and button for charities, content creators, and fundraisers to accept multi-crypto donations with customizable amounts.
AML Compliance Framework
Built-in AML measures, transaction monitoring, and anti-fraud systems with KYC/CDD and Travel Rule policy documentation.
Stablecoin Dominance
45% of all merchant transactions are processed in stablecoins (USDT, USDC), per Cointelegraph coverage of NOWPayments' internal data (Feb 2026).
Affiliate Program
Commission-based partner program allowing affiliates to earn from referring merchants to NOWPayments (reviewed on Trustpilot by partners).

General Questions.

NOWPayments provides a non-custodial crypto payment gateway enabling businesses to accept 350+ cryptocurrencies and 75+ fiat currencies as payment. It offers APIs, widgets, plugins, invoicing, and white-label solutions for e-commerce, iGaming, SaaS, and fintech platforms, with auto-conversion powered by ChangeNOW's exchange infrastructure.

High-volume sectors including e-commerce stores, iGaming/casino operators, trading platforms, SaaS businesses, marketplaces, charities, payroll teams, travel agencies, and affiliate/CPA networks. Notable clients include Tradeit.gg, Betfinal, Admitad, and BAZEDBET.

No specific licenses are disclosed. The company is registered as FD Transfers LLC in Saint Vincent and the Grenadines, with operational presence in Tallinn, Estonia. The CEO states they have a dedicated compliance team to ensure licensing in each operating region. No specific regulatory license numbers are listed.

Multi-chain: Bitcoin (BTC), Ethereum (ETH), TRON (TRX), Binance Coin (BNB), Polkadot (DOT), Solana (SOL), and 350+ additional cryptocurrencies. Stablecoins include USDT (ERC-20, TRC-20) and USDC. 75+ fiat currencies supported for customer payment options.

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