Is NOWPayments a reliable option for businesses in 2025? How does it compare to CoinsPaid in terms of features and performance? In this article, we’ll analyze transaction fees, supported cryptocurrencies, payout speeds, regulatory compliance, and customer feedback to determine which platform offers the best solution for businesses looking to accept cryptocurrency payments.
By 2025, cryptocurrency payment processors have evolved from being niche tools to becoming essential infrastructure for businesses around the world. As more companies—ranging from e-commerce stores and fintech firms to multinational corporations—embrace digital currencies, the ability to accept crypto payments and quickly convert them into fiat has become a necessity. With benefits like reduced transaction costs, faster global transfers, and built-in regulatory compliance, these platforms offer businesses an attractive alternative to traditional payment systems.
In this rapidly changing landscape, NOWPayments and CoinsPaid have emerged as two major players, each offering distinct solutions for businesses looking to integrate cryptocurrency payments. One platform offers a flexible, custodial model with a wide range of features, while the other focuses on a more streamlined, custodial approach with a strong emphasis on regulatory compliance and ease of use.
This article will explore the differences between NOWPayments and CoinsPaid, comparing their fees, supported assets, settlement speeds, and integrations. We will also answer common questions such as, “Is CoinsPaid safe to use?” and “Is CoinsPaid legit?”. By the end, you’ll find out which platform best fits your needs.
NOWPayments vs CoinsPaid: Quick Overview
| Products | NOWPayments | CoinsPaid |
| API Integration Method | ✅ | ✅ |
| Crypto Invoicing | ✅ | ✅ |
| Mass Payouts | ✅ | ✅ |
| White Label Solutions | ✅ | ✅ |
| Crypto Subscription Tool | ✅ | ✅ |
| Features | ||
| Supported Cryptocurrencies | 300+ (e.g., BTC, ETH, USDT, etc.) | 20+ (e.g., BTC, ETH, XRP, USDT) |
| Custody | Custodial & non-custodial model [1] | Custodial model |
| Payment Methods | Crypto and Fiat (via conversion) | Crypto and Fiat |
| Support | 24/7 support for users and merchants via chat, email, Telegram | 24/7 support for merchants only |
| AML/Fraud detection | ✅ | ✅ |
| Account Creation | Quick and simple onboarding without extended verification processes [6] | KYC required for EU transactions and high-value transactions [7] |
| Setup Time | ~5 minutes | 5-10 minutes; KYC can take 1-7 days |
| Crypto Processing Time | ~5 minutes (less than 1 minute for TON) | ~10 minutes* [2] |
| Integrations | ||
| API | ✅ | ✅ |
| POS | ✅ | ✅ |
| Plugins | ✅ | ✅ |
| Widgets | ✅ | ❌ |
| Pricing Plan | ||
| Fees | 0.5% for a mono-currency transaction1% for a multi-currency transaction1.5–2.3% for fiat withdrawalcustom offers for network fees | 0.8% for mono currency transactions1% for multi currency transactions1.5% for crypto deposit with exchange to fiat [3] |
*according to the information on the CoinsPaid’s website
This brief comparison outlines the key differences between NOWPayments and CoinsPaid, but a closer look reveals a more detailed picture.
Feature-by-Feature Breakdown
- Products
NOWPayments: NOWPayments offers a complete suite of tools, including checkout APIs, invoicing, mass payouts, recurring payments, and a subscription tool. These features are ideal for businesses in iGaming and other industries that require flexibility and scalability.
CoinsPaid: CoinsPaid offers essential tools such as checkout APIs, invoicing, and mass payouts. It supports recurring payments and includes a subscription tool, making it a solid choice for businesses with straightforward crypto-fiat processing needs, without the complexity of advanced subscription management features.
Verdict: NOWPayments is better suited for businesses that require a broad range of flexible payment solutions, particularly in industries like iGaming. CoinsPaid is ideal for businesses with simpler, more straightforward crypto-fiat processing needs.
- Supported Cryptocurrencies
NOWPayments: Supports over 300 coins, including BTC, ETH, USDT, and SOL, making it ideal for businesses that want broad payment coverage.
CoinsPaid: Supports around 20 popular coins like BTC, ETH, XRP, and USDT.
Verdict: NOWPayments provides flexibility for businesses that want global or niche crypto acceptance. CoinsPaid is sufficient for businesses targeting a limited range of mainstream cryptocurrencies.
- Custody
NOWPayments: Operates on a custodial model, where funds temporarily pass through its system, ensuring secure handling and compliance with regulations. This is beneficial for businesses that need an extra layer of security and oversight in their operations.
CoinsPaid: Uses a custodial model for merchant transactions, where funds are temporarily held within its system before settlement.
Verdict: NOWPayments is ideal for businesses seeking regulatory compliance and secure fund management, while CoinsPaid offers similar custodial services with a focus on smooth, secure crypto-to-fiat transactions.
- Payment Methods
NOWPayments: Supports both crypto and fiat payments, making it versatile for businesses across various sectors.
CoinsPaid: Primarily accepts crypto, with fiat settlement mostly for EU-based merchants.
Verdict: NOWPayments is better for businesses across diverse industries that require flexible payment options, while CoinsPaid fits companies focused on crypto-heavy operations or EU markets.
- Support
NOWPayments: Offers 24/7 support via chat, email, and Telegram for both merchants and end-users.
CoinsPaid: Provides 24/7 support only for merchants.
Verdict: NOWPayments is ideal for industries such as iGaming, trading, and e-commerce, where both merchants and users require round-the-clock support. CoinsPaid fits industries like FX brokers and iGaming, where support is mainly needed for merchant accounts.
- AML/Fraud Detection, Registration Flow & KYC
NOWPayments: Implements strong AML and fraud detection measures, triggering KYC checks based on transaction volumes and compliance needs. KYC/KYB is required for merchants dealing with fiat transactions, involving quick ID verification [6].
CoinsPaid: Offers robust AML and fraud detection systems, requiring KYC for high-value transactions and EU-based operations. KYC verification can take from minutes to a few days, depending on the transaction type and complexity [7].
Dashboard Features
NOWPayments: Provides a customizable dashboard for businesses to track payments, manage invoices, view balances, and generate detailed reports.
CoinsPaid: Offers real-time reporting and analytics, detailed transaction history, activity tracking of all gateway functions, and support for multiple cryptocurrencies and fiat currencies.
Verdict: NOWPayments is ideal for industries that need flexible and quick KYC verification for fiat transactions. CoinsPaid, with its KYC requirement primarily for EU businesses, fits well for businesses that need robust compliance but can accommodate a slightly longer verification process.
- Integrations
NOWPayments: Offers a comprehensive range of integration options, including API, POS, plugins, and widgets. The POS integration allows physical stores to accept crypto payments, while widgets and payment links provide easy, no-code solutions for quick online integration.
CoinsPaid: Provides API, plugins and POS.
Verdict: NOWPayments provides a more flexible and comprehensive set of integration tools, making it ideal for businesses that need a variety of integration options for both online and in-person transactions. CoinsPaid, with its simpler integration options, is better suited for businesses looking for straightforward solutions or those focused on custom setups.
- Pricing Plan
NOWPayments: Charges a 0.5% deposit fee for mono-currency transactions and 1% for multi-currency transactions. Network fees are customizable based on the network used, and there is a 0% service fee for payouts.
CoinsPaid: Charges a 0.8% deposit fee for mono-currency transactions and 1% for multi-currency transactions. For crypto deposits with conversion to fiat, the fee is 1.5%. Payout processing fees are 0.3% for mono-currency transactions, 1% for multi-currency transactions, and 1% for fiat-to-crypto conversions.
Verdict: NOWPayments offers a more competitive pricing structure with lower deposit fees, and customizable network fees. CoinsPaid, with slightly higher deposit fees and additional conversion costs, is better suited for businesses with specific crypto-to-fiat conversion needs, but NOWPayments remains more cost-effective for businesses with high transaction volumes.
Solutions for other Businesses
NOWPayments
- Provides API, POS, plugins, and widgets for seamless integration, making it ideal for enterprises that need flexible payment solutions for both online and physical stores.
- Specializes in iGaming, e-commerce, SaaS, and NGOs, offering tailored solutions that scale with the complex needs of large businesses.
- Offers crypto subscription payments, perfect for enterprises with subscription-based services or recurring billing models.
- Provides white-label solutions, allowing large organizations to offer a customized and branded payment experience.
- Supports mass payouts, key for enterprises handling payroll, affiliate payments, or large-scale customer subscriptions.
- Enables both crypto and fiat settlement, offering flexibility for enterprises with international operations.
- Includes donation tools, making it an excellent choice for enterprises in the nonprofit sector.
- Features strong AML and fraud detection measures, ensuring compliance for enterprises in regulated industries like e-commerce and finance.
CoinsPaid
- Provides API and e-commerce plugins for easy integration into online stores.
- Offers fiat settlement options, primarily for EU-based merchants, enabling businesses to convert crypto to fiat easily.
- Specializes in iGaming solutions, with over 500+ casinos using its services.
Focuses on non-custodial payment processing, giving businesses complete control over their funds. - AML and fraud detection features tailored for regulated sectors like iGaming and financial services.
- Provides crypto-to-fiat conversion services, making it suitable for businesses that need to settle transactions in fiat currencies.
Verdict: NOWPayments is the better choice for enterprises requiring a versatile, feature-rich platform with global reach, customizable payment solutions, and flexibility in payment methods. CoinsPaid is ideal for iGaming and EU-based businesses seeking non-custodial payment processing and fiat settlement options.
Pros & Cons Summary
| Feature | NOWPayments | CoinsPaid |
| Pros | 24/7 support for both merchants and users | Estonian license ensuring regulatory compliance |
| Supports 300+ cryptocurrencies | Auto-conversion for payouts | |
| Flexible payment methods (crypto & fiat) | Sandbox and test accounts available | |
| No extra charge for white-label solutions | ||
| Auto-conversion for payments | ||
| Cons | Limited fiat payments (e.g., debit cards) | Fewer cryptocurrencies |
| No sandbox | Complex KYB process | |
| Paid withdrawals | ||
| Best For | Global businesses needing a wide range of cryptocurrencies and flexible payment solutions | iGaming and FX brokers looking for a custodial solution with robust crypto-fiat payment processing |
| E-commerce, SaaS, iGaming, and NGOs with complex needs | Businesses seeking auto-conversion for payouts and test accounts | |
| Enterprises requiring white-label solutions, mass payouts, and subscription services |
Real User Reviews & Community Feedback
NOWPayments enjoys a generally positive reputation, with users praising its speed, reliability, and helpful support. Merchants highlight smooth integrations and fast payment processing. While some mention the effort required for custom setups, most agree it delivers on its promises. On Reddit, users appreciate its non-custodial model and transparency, but some note occasional delays in detecting or sending payments and slower support [4].
CoinsPaid also has positive reviews, with many users praising the platform for its user-friendly interface, responsive support, and stable API. Long-term partners emphasize the reliability of the platform, particularly in the iGaming and crypto payment sectors. Some users, however, report issues with delayed transactions, a complicated KYB process, and paid withdrawals. Despite these challenges, many users continue to work with CoinsPaid, appreciating the professionalism of the support team and the auto-conversion feature for payouts. A few negative reviews mention poor communication, unresolved issues, and failed transactions, leading to mixed feedback [5].
General Sentiment: NOWPayments is widely appreciated for its speed, customer care, and flexibility, making it a popular choice for businesses looking for a reliable and fast crypto payment solution. CoinsPaid, while valued for its stable platform and regulatory compliance, faces criticism for transaction delays and complex verification processes. For most businesses, the choice boils down to whether they prioritize agility and customer satisfaction (NOWPayments) or regulatory assurance and specific features (CoinsPaid).
Why Clients Choose NOWPayments Over CoinsPaid
NOWPayments is preferred over CoinsPaid for its greater flexibility and broader range of features. It supports over 300 cryptocurrencies and offers both crypto and fiat payment options, making it ideal for global businesses. NOWPayments provides white-label solutions, mass payouts, and crypto subscription payments, catering to industries with complex needs. The platform also offers 24/7 support for both merchants and users, ensuring seamless transactions and quick setup.
CoinsPaid, while solid for iGaming and FX brokers, is more limited with only 20 cryptocurrencies and primarily focuses on crypto payments with EU-based fiat settlement. Its non-custodial model and auto-conversion for payouts are strengths, but the KYC process can be slow, and it lacks the customization options that NOWPayments offers. For businesses seeking flexibility and fast global integration, NOWPayments is the more versatile choice.
Final Verdict: NOWPayments or CoinsPaid?
- For flexibility, global reach, and a wide range of cryptocurrencies → NOWPayments wins.
NOWPayments stands out with support for over 300 cryptocurrencies and 75+ fiat currencies, offering businesses crypto and fiat payment options. Its flexible integrations, including API, POS, plugins, and widgets, make it ideal for businesses in diverse industries like e-commerce, iGaming, and SaaS. With fast payouts, 24/7 support, and customizable solutions like mass payouts and subscription payments, NOWPayments is a versatile and user-friendly solution for enterprises with complex payment needs. - For non-custodial solutions and EU-based businesses with a focus on crypto-only payments → CoinsPaid is the better option.
CoinsPaid is well-suited for iGaming, FX brokers, and EU merchants who need non-custodial payment processing and fiat settlement within Europe. It offers a stable API and auto-conversion for payouts, making it ideal for businesses looking for a simple yet reliable crypto payment solution. While it supports fewer cryptocurrencies and has a complex KYC process, CoinsPaid remains a strong choice for businesses prioritizing compliance and control over funds.
FAQ: NOWPayments vs CoinsPaid 2025
Is NOWPayments safe to use in 2025?
Yes, NOWPayments is considered safe to use. The platform operates with a custodial model, ensuring secure handling of funds. It employs robust security measures, including two-factor authentication (2FA), whitelisted wallets, and IP addresses to protect merchants and their transactions.
Is CoinsPaid regulated and legit?
Yes, CoinsPaid is a legitimate service. It is licensed in Estonia and complies with financial regulations in the European Union. CoinsPaid adheres to AML (Anti-Money Laundering) policies and follows regulatory standards to ensure a secure and compliant service for businesses.
Which is cheaper: NOWPayments or CoinsPaid?
NOWPayments offers 0.5% for mono-currency transactions, 1% for multi-currency transactions, and 1.5–2.3% for fiat withdrawals, with custom network fees and volume discounts available. In comparison, CoinsPaid charges 0.8% for mono-currency transactions, 1% for multi-currency transactions, and 1.5% for crypto deposits with exchange to fiat. Overall, NOWPayments provides a more cost-effective solution, especially for high-volume businesses, due to its competitive pricing and discount options.
Which gateway is better for large enterprises?
NOWPayments is an excellent choice for large enterprises due to its scalability, flexible integration options, and support for 300+ cryptocurrencies and 75+ fiat currencies. Its features like mass payouts, white-label solutions, and crypto subscription payments cater to the complex needs of large businesses. While CoinsPaid is suitable for businesses focusing on non-custodial solutions and EU-based fiat settlements, NOWPayments offers broader flexibility and is ideal for enterprises that require a versatile, global payment solution.
Does NOWPayments require KYC?
NOWPayments complies with all applicable legal frameworks, including anti-money laundering (AML) and know-your-customer (KYC) regulations. KYC is triggered when AML mechanisms are activated, and merchants dealing with fiat payments are required to undergo KYC/KYB verification. This process includes a quick ID verification to ensure compliance and security. Businesses dealing with fiat-to-crypto transactions will need to complete the KYC/KYB procedure, which is simple and can be done through the dashboard, with activation forms for fiat providers available.
Can I use CoinsPaid without a bank account?
Yes, you can use CoinsPaid without a bank account to accept cryptocurrency payments. The platform allows you to manage crypto payments directly in your wallet, and you can also convert crypto to fiat without needing a bank account initially. However, to withdraw fiat, you will need to link a bank account for the transfer.
How We Compared NOWPayments vs. CoinsPaid (Methodology)
This comparison was based on:
- NOWPayments Official Site
- CoinsPaid Official Site (as of August 27, 2025).
- CoinsPaid Support – Withdrawal Fees & Limits (as of August 27, 2025).
- Reddit Discussions.
- Trustpilot Reviews.
- NOWPayments support – KYC AML Procedure.
- CoinsPaid Blog – Importance of KYC (as of August 23, 2025).