Is NOWPayments the right choice for your business in 2025, and how does it compare to Cryptomus? NOWPayments offers a broad selection of altcoins and simplicity, while Cryptomus is focused on providing robust solutions for diverse businesses. In this comparison, we’ll look at key factors like fees, supported currencies, settlement options, and security to help you choose the platform that best fits your business’s operational scale and financial goals.
By 2025, cryptocurrency payment solutions have become integral to businesses seeking lower transaction fees and greater flexibility in global markets. From e-commerce to SaaS, the demand for easy crypto adoption is growing, offering businesses the ability to diversify assets and manage risk. NOWPayments and Cryptomus serve different needs: one offers a simple gateway for seamless integration, while the other delivers a scalable, API-first solution with enterprise capabilities.
This comprehensive comparison breaks down both platforms across essential metrics, answering crucial questions such as “Which platform is better for high-volume transactions?” and “Do I need direct blockchain control?” By the end, you’ll have the insights to make the best decision for your business’s future.
Feature-by-Feature Breakdown
Products
| Products | NOWPayments | Cryptomus |
| API Integration Method | ✅ | ✅ |
| Crypto Invoicing | ✅ | ✅ |
| Mass Payouts | ✅ | ✅ |
| Crypto Subscription Tool | ✅ | ✅ |
| White Label Solutions | ✅ | ✅ |
NOWPayments: Offers a comprehensive suite of products, including API integration, crypto invoicing, mass payouts, crypto subscription tools, and white-label solutions. These features are designed for businesses seeking flexibility, scalability, and customizable payment experiences, making it particularly suitable for agencies, marketplaces, and enterprise-level operations.
Cryptomus: Provides a similar set of core products, including API integration, crypto invoicing, mass payouts, crypto subscription tools, and white-label solutions. While it covers the essential functionality for crypto payments, NOWPayments provides more advanced customization and recurring payment options, giving businesses greater control over branding and payment workflows.
Verdict: NOWPayments is the stronger choice for businesses in iGaming and other sectors requiring custom branding, recurring payment capabilities, and a scalable toolkit for complex operations. Cryptomus is ideal for e-commerce businesses with standard crypto payment needs, offering a solid but less customizable payment solution.
Custody & KYC
| Feature | NOWPayments | Cryptomus |
| Default non-custodial model | ✅ | ❌ |
| Difficult KYB process | ❌ | ❌ |
NOWPayments: Operates with a non-custodial model by default, allowing merchants to receive funds directly into their wallets, with flexible custody options available for businesses that need them. The KYB process is simple and straightforward.
Cryptomus: Offers a custodial model by default but also provides an option for non-custodial wallets. It does not have a difficult KYB process, simplifying merchant registration.
Verdict: NOWPayments is the better choice for businesses, especially in iGaming, that require flexible custody options along with a non-custodial default model. The simple KYB process is also beneficial for quick and easy setup. Cryptomus, while focusing more on custodial solutions, also offers an easy KYB process, making it a good option for businesses seeking a straightforward crypto payment solution.
Compliance & Transparency
| Feature | NOWPayments | Cryptomus |
| Transaction monitoring / risk flags | ✅ | ✅ |
| Anti-fraud Measures | ✅ | ✅ |
NOWPayments: Provides clear anti-fraud measures and transaction monitoring to ensure secure transactions. Transparency is emphasized with clear policies on risk flags.
Cryptomus: Mentions anti-fraud systems but lacks detailed information on transaction monitoring. Transparency seems less robust compared to NOWPayments.
Verdict: NOWPayments offers a stronger focus on transaction monitoring and AML compliance, which is ideal for businesses in regulated industries, such as crypto finance or financial services. Cryptomus offers an anti-fraud system but lacks extensive compliance features. NOWPayments is better for businesses that need robust compliance measures.
Supported Cryptocurrencies
| Feature | NOWPayments | Cryptomus |
| Number of Supported Assets | 300+ [1] | 20+ [4] |
| Number of Stable Coins | 30+ | USDT, USDC |
| Supported major networks | 10 | 10 |
NOWPayments: Supports 300+ cryptocurrencies, giving businesses the flexibility to accept a wide variety of digital assets.
Cryptomus: Supports 20+ cryptocurrencies, which is more limited compared to NOWPayments.
Verdict: NOWPayments supports over 300 cryptocurrencies, providing flexibility for businesses that want to accept a broad range of digital assets. In contrast, Cryptomus supports 20+ cryptocurrencies, which may be sufficient for businesses with a more limited range of crypto assets but is restrictive compared to NOWPayments.
Payment Methods
| Feature | NOWPayments | Cryptomus |
| On-chain payments | ✅ | ✅ |
| Full white-label | ✅ | ❌ |
| Manual invoices (dashboard) | ✅ | ✅ |
| API invoicing | ✅ | ✅ |
| Recurring / subscriptions | ✅ | ✅ |
NOWPayments: Provides on-chain payments as the primary method, with full white-label solutions, making it ideal for businesses that want to create a branded payment experience. It also supports manual invoices, API invoicing, and recurring payments, providing comprehensive tools for businesses that need flexibility and customization.
Cryptomus: Also offers on-chain payments and both manual and API invoicing, along with recurring subscription support. However, it lacks full white-label customization, making it less suited for businesses that require deeper branding control for their payment systems.
Verdict: NOWPayments has the advantage with its full white-label solution, allowing businesses to offer a fully branded payment gateway. Both platforms support on-chain payments and API invoicing, but NOWPayments is better for businesses that require extensive customization and a branded checkout experience. Cryptomus offers essential functionality but lacks full white-label options.
Processing Time
| Feature | NOWPayments | Cryptomus |
| Typical Confirmations & Timing | ✅ | ✅ |
NOWPayments: Provides instant notifications and settles payments with one blockchain confirmation, ensuring fast transaction completion.
Cryptomus: Similarly offers instant transactions and one blockchain confirmation for settlement.
Verdict: Both platforms provide instant transaction notifications and settle payments after 1 blockchain confirmation, making them ideal for industries like digital goods, and microtransactions that require fast payment processing. The processing time is similar across both services.
Fees & Pricing
| Feature | NOWPayments | Cryptomus |
| Processing fee | 0.5%-1% | 2%-0.4% |
| Customizable network-fee offers | ✅ | ❌ |
| 0% service fee for payouts | ✅ | ✅ |
NOWPayments: NOWPayments charges a 0.5-1% processing fee per transaction, making it highly competitive in the market. The fee is straightforward and easy to understand, benefiting businesses with varying transaction volumes.
Cregis: Cregis operates on a subscription-based pricing model, where businesses pay for access based on team size, wallets, and IP addresses. There are no per-transaction fees, which can benefit businesses with consistent transaction volumes.
Verdict: NOWPayments is better for businesses that prefer per-transaction fees, while Cregis’ subscription model may work better for companies with steady transaction volumes and those looking for predictable pricing.
Financial Settlement & Payouts
| Feature | NOWPayments | Cryptomus |
| API payouts (crypto→wallet) | ✅ | ✅ |
| Dashboard CSV payouts | ✅ | ✅ |
NOWPayments: Supports API payouts, CSV payouts, making it versatile for different payout needs.
Cryptomus: Similarly supports API payouts, providing reliable payout options.
Verdict: Both platforms offer similar API payouts for crypto-to-wallet options. This makes them suitable for businesses that need flexibility in payouts, such as those with global customers or needing fiat-to-crypto and vice versa. NOWPayments provides more advanced reporting for payouts, but Cryptomus is equally reliable for basic payout needs.
Integration & Plugins
| Feature | NOWPayments | Cryptomus |
| REST API | ✅ | ✅ |
| Payment/Create-Intent endpoints | ✅ | ✅ |
| Plugins | ✅ | ✅ |
| Dedicated mobile/web POS (QR) | ✅ | ✅ |
NOWPayments: Offers a fully documented REST API, payment creation endpoints, and a variety of plugins for easy e-commerce integration.
Cryptomus: Provides a similar REST API and plugins for e-commerce platforms but is less diverse in the types of integrations offered.
Verdict: Both platforms support REST APIs, payment/create-intent endpoints, and plugins for e-commerce platforms, making them both suitable for businesses that want easy integration with their existing systems. NOWPayments has a slight edge due to its additional white-label options and more extensive plugin integration support.
Registration & Setup Time
| Feature | NOWPayments | Cryptomus |
| User registration flow | Instant registrationOnly email needed | country selectionnon-US resident checkboxEmail needed |
| Fast Setup time | ✅ | ✅ |
NOWPayments: Provides a simple registration flow and quick setup, making it easy for businesses to get started quickly.
Cryptomus: Similarly, offers a straightforward registration process and fast integration for merchants.
Verdict: Both platforms offer easy registration and quick setup times, making them ideal for businesses that need to get up and running quickly. There is no significant difference in setup time, so businesses can choose either platform depending on other factors like fees and features.
Reporting & Analytics
| Feature | NOWPayments | Cryptomus |
| Dashboard analytics | ✅ | ✅ |
| Exports (CSV/XLS/API) | ✅ | ✅ |
NOWPayments: Offers robust analytics via its dashboard and supports exports in CSV/XLS formats, which is beneficial for businesses managing large volumes of transactions.
Cryptomus: Provides similar analytics capabilities, including transaction history and status management.
Verdict: Both platforms offer dashboard analytics and CSV/XLS exports, which are essential for businesses that want to track their transactions and analyze payment performance. NOWPayments offers more comprehensive reporting tools, but Cryptomus provides sufficient analytics for most businesses with basic reporting needs.
Support & Service
| Feature | NOWPayments | Cryptomus |
| Email/ticket | ✅ | ✅ |
| Live chat | ✅ | ⚠️ |
| Dedicated manager | ✅ | ❌ |
| Knowledge base / help center | ✅ | ✅ |
NOWPayments: Offers 24/7 support through email and live chat, ensuring customers can resolve issues quickly. Additionally, it has a comprehensive knowledge base.
Cryptomus: Also provides 24/7 support but has received mixed feedback regarding the consistency of its live chat support.
Verdict: NOWPayments excels with more consistent support options, including 24/7 live chat and a well-established knowledge base. Cryptomus also offers support but has received some feedback regarding the inconsistency of its live chat. NOWPayments may be a better option for businesses that need reliable support with fewer disruptions.
Solutions for other Businesses
NOWPayments
- E-commerce:
◦ White-label solutions, crypto subscription tools, and support for 300+ cryptocurrencies.
◦ Low fees (0.5%-1%), fast payment processing.
- Subscription-Based Services:
◦ Recurring payments, custom invoicing, and multi-crypto support.
- iGaming & Digital Goods:
◦ Instant payment processing, no chargebacks, ideal for microtransactions.
- Freelancers & Service Providers:
◦ Mass payouts, easy invoicing in crypto and fiat through third party providers.
- Financial Services & Crypto Businesses:
◦ AML compliance, fiat-to-crypto solutions, and transaction monitoring.
Cryptomus
*Screenshot of the home page is sourced from Cryptomus’ official website.
- E-commerce:
◦ Easy integration, mass payouts, and basic crypto payment gateway (20+ assets).
- SMEs:
◦ Affordable payment processing with low fees (2%-0.4%).
- Freelancers & Service Providers:
◦ Mass payments, simple invoicing.
- Privacy-Centric Businesses:
◦ Non-custodial payments, no KYC required.
Verdict: NOWPayments is the ideal solution for e-commerce businesses, subscription-based services, gaming, digital goods, and crypto-related industries that require advanced features like white-label solutions, recurring payments, and AML compliance. Its low fees, wide crypto support, and fast payment processing make it an excellent choice for larger businesses or those looking to scale globally. Cryptomus is a strong option for small and medium enterprises (SMEs) and businesses looking for affordable payment solutions with basic crypto payment options. It works well for freelancers, gaming, and privacy-centric businesses that prioritize low fees, easy integration, and non-custodial payments with no KYC. However, it lacks some of the advanced features of NOWPayments, making it more suitable for businesses with simpler payment needs.
Pros & Cons
NOWPayments
Pros:
- Low fees (0.5%-1%), making it cost-effective for large businesses.
- White-label solutions for custom branding.
- Supports 300+ cryptocurrencies, offering extensive payment options.
- Features recurring payments and crypto subscription tools, perfect for subscription-based services.
- AML compliance and transaction monitoring ensure regulatory adherence.
- Fast payment processing and instant notifications.
- Ideal for large enterprises and global businesses needing scalability and customization.
Cons:
- More complex setup, particularly for white-label solutions.
- Requires more technical knowledge for advanced features, such as custom integration.
- Best suited for larger businesses with higher transaction volumes.
- Higher setup time for businesses looking for advanced features compared to simpler solutions.
Best For:
- Large enterprises and global businesses.
- E-commerce, gaming, and financial services.
- Subscription-based services and businesses needing extensive crypto support.
Cryptomus
Pros:
- Simple and easy integration with websites and e-commerce platforms.
- Allows mass payouts, which is useful for paying multiple contractors or affiliates.
- Offers instant crypto payments, ideal for quick transactions.
- Non-custodial payments with no KYC required, making it appealing to privacy-focused businesses.
Cons:
- Limited range of supported cryptocurrencies
- Lacks advanced features such as recurring payments and crypto subscription tools.
- Higher fees for small businesses
- Does not offer white-label solutions for branding.
Best For:
- SMEs, freelancers, and small businesses.
- Gaming, digital goods, and privacy-driven businesses.
- Businesses looking for a simple, non-KYC, and affordable crypto payment solution.
Real User Reviews & Community Feedback
NOWPayments enjoys a generally positive reputation with users praising its speed, reliability, and helpful support. Merchants appreciate the smooth integrations and fast payment processing. However, some users mention the effort required for custom setups, though most agree it delivers on its promises. Users on Reddit appreciate the non-custodial model and transparency, but occasional delays in detecting or sending payments and slower support are noted. Overall, the platform is seen as an excellent solution for businesses needing reliable crypto payment processing. [4].
Cryptomus has a more mixed reputation, with several positive reviews highlighting its fast payments and user-friendly interface. Customers generally appreciate the low fees and simple setup. However, there are several critical reviews that highlight issues with refunds and disputes. Some users report that they were scammed or faced difficulties getting their funds returned after disputes, raising concerns about customer protection. In a notable review, a user expressed frustration about additional payment requests not being credited. Cryptomus has responded to some complaints, explaining its fees and policies, but such complaints affect its overall trustworthiness. Despite this, some users have praised the platform for its security and quick payments, making it suitable for businesses in need of a basic crypto payment gateway [5].
General Sentiment: NOWPayments tends to have a stronger reputation, particularly for its reliability and the array of features it offers for large enterprises. While some users report minor issues, such as occasional delays and slower support, it remains a reliable option for large enterprises, e-commerce, and subscription services. NOWPayments is praised for its scalability and compliance, making it ideal for businesses requiring robust solutions. Cryptomus has a more mixed reception. While its simple integration and low fees are praised, there are notable complaints regarding customer service, refunds, and dispute resolution. Cryptomus struggles with some serious trust issues, especially with users reporting scam-like behavior during refund disputes, which undermines its overall reputation. However, it still serves well for small businesses, freelancers, and privacy-driven users who prioritize low fees and easy-to-use crypto payments.
Why Clients Choose NOWPayments Over Cryptomus
Clients tend to choose NOWPayments over Cryptomus due to its advanced features and comprehensive solutions tailored for larger businesses. NOWPayments offers white-label solutions, enabling businesses to fully brand their payment system, which is a significant advantage for e-commerce platforms and global enterprises looking to provide a seamless, custom-branded payment experience. In addition, NOWPayments supports 300+ cryptocurrencies, far surpassing the 20+ assets offered by Cryptomus, giving businesses the flexibility to accept a wider range of digital currencies. For businesses with recurring payment models or subscription services, NOWPayments provides essential tools like crypto subscription tools and automated invoicing, making it a more robust choice for businesses needing scalable, automated payment solutions.
Another key reason clients choose NOWPayments is its reliability and compliance features. The platform is known for its speed, fast payment processing, and AML compliance, which is essential for businesses operating in regulated industries. These features provide peace of mind to merchants, ensuring that their transactions are not only quick but also compliant with industry standards. In contrast, Cryptomus, while offering low fees and a user-friendly setup, has faced criticism for refund issues and dispute resolution, which can undermine trust and reliability. With NOWPayments, businesses gain the confidence of a trusted, well-supported platform, making it the ideal choice for large-scale enterprises and businesses seeking more security, features, and scalability.
Final Verdict: NOWPayments or Cryptomus?
For large enterprises, iGaming platforms, e-commerce and businesses needing scalability and compliance → NOWPayments wins.
NOWPayments offers white-label solutions, supports 300+ cryptocurrencies, and includes advanced features like crypto subscription tools and AML compliance. Its flexible custody options, reliable support, and fast payment processing make it an ideal choice for businesses in iGaming, e-commerce, and other industries that require robust, customizable, and compliant crypto payment solutions.
For small businesses, freelancers, and small-volume platforms → Cryptomus is the better option.
Cryptomus provides a simple setup, low fees, and is a user-friendly solution, making it an excellent choice for e-commerce businesses with basic needs or those just starting in the crypto space. Its non-custodial payments and lack of KYB requirements make it especially appealing for privacy-conscious users. While it lacks some of the advanced features of NOWPayments, it provides a cost-effective and easy-to-use platform for businesses that prioritize simplicity and low transaction fees over customization and scalability.
FAQ: NOWPayments vs Cryptomus 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 Cryptomus regulated and legit?
Cryptomus is not explicitly regulated, and while it claims to follow AML policies, some users have raised concerns about its dispute resolution and refund processes. Despite this, it is considered legit but may not be suitable for businesses in highly regulated industries.
Which is cheaper: NOWPayments or Cryptomus?
Cryptomus generally offers lower fees (2% to 0.4%) compared to NOWPayments (0.5% to 1%), making it the cheaper option for small businesses. However, NOWPayments provides more advanced features that may justify its higher fees for larger-scale operations. Moreover, NOWPayments fees are the same regardless of the merchants’ volume and industry.
Which gateway is better for large enterprises?
NOWPayments is the better option for large enterprises, offering white-label solutions, AML compliance, and support for 300+ cryptocurrencies. It is designed for scalability and global operations, making it ideal for businesses with complex payment processing needs.
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 on a third-party provider’s side. 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 Cryptomus without a bank account?
Yes, you can use Cryptomus without a bank account, as it primarily operates with cryptocurrencies. It allows users to make and receive payments directly in crypto, and there’s no requirement for a traditional bank account to use the platform.
How We Compared NOWPayments vs. Cryptomus (Methodology)
This comparison was based on: