By 2025, cryptocurrency payment processing has evolved from an experimental feature into a cornerstone of global B2B finance. For enterprises and high-volume merchants, the capability to accept digital assets and automatically settle in fiat currency is critical for maintaining a competitive edge, optimizing treasury operations, and accessing new markets.
Navigating this landscape requires a partner whose model aligns with your business goals. NOWPayments and PayerURL represent two powerful yet distinct approaches: one offers a developer-friendly, non-custodial API for seamless integration, while the other provides a comprehensive white-label platform for businesses seeking to launch their own payment gateway.
This definitive analysis contrasts NOWPayments and PayerURL across essential enterprise criteria: fee structures and volume discounts, liquidity depth, security certifications, compliance frameworks (KYC/AML), and the ease of API integration. We tackle pressing operational questions, including “Which platform offers better rates for large transactions?” and “Is a white-label solution the right strategic move for our brand?” Our conclusion will provide the clarity you need to select the optimal payment infrastructure for your enterprise growth in 2025 and beyond.
Feature-by-Feature Breakdown
Products
| Products | NOWPayments | PayerURL |
| API Integration Method | ✅ | ✅ |
| E-commerce plugins | ✅ | ✅ |
| Crypto Invoicing | ✅ | ✅ |
| Mass Payouts | ✅ | ❌ |
| Crypto Subscription Tool | ✅ | ❌ |
| White Label Solutions | ✅ | ❌ |
NOWPayments: Offers a comprehensive set of products to cater to businesses looking to accept cryptocurrency payments. It supports various features such as mass payouts, crypto invoicing, and subscription payments. Additionally, it provides a white-label solution for businesses seeking branding flexibility.
PayerURL: Focuses on essential payment features such as API integration, E-commerce plugins, crypto invoicing, and basic mobile/web POS for QR-based payments. However, it lacks some advanced features such as mass payouts, subscription tools, and white-label solutions. Moreover, extended features are available only if the user has a subscription [3].
Verdict: NOWPayments offers a broader range of products suited for more complex business needs with its white-label solutions and mass payout capabilities. PayerURL offers essential services like plugins on a subscription basis but lacks advanced functionalities like recurring payments and mass payouts.
Supported Cryptocurrencies
| Feature | NOWPayments | PayerURL |
| Supported Cryptocurrencies | 300+ | 3 |
| Supported stable coins | 30+ | 1 |
NOWPayments: Supports over 300 cryptocurrencies, including major coins such as Bitcoin, Ethereum, and Litecoin, as well as stablecoins like USDT and USDC. It also provides support for emerging coins and tokens, ensuring a wide range of options for merchants [1].
PayerURL: Supports a limited selection of assets, including Bitcoin, Ethereum, and USDT. While the platform allows for the use of any coin in the Binance Pay wallet, its crypto options are more restricted compared to NOWPayments [3].
Verdict: NOWPayments stands out with its support for 300+ cryptocurrencies, making it more versatile for businesses that want to cater to a broad customer base. PayerURL, while offering essential coins, is more limited in this area.
Payment Methods
| Feature | NOWPayments | PayerURL |
| On-chain payments | ✅ | ✅ |
| Full white-label | ✅ | ❌ |
| Manual invoices (dashboard) | ✅ | ❌ |
| API invoicing | ✅ | ✅ |
| Recurring / subscriptions | ✅ | ❌ |
NOWPayments: Supports on-chain payments for a variety of cryptocurrencies, along with manual and API invoicing capabilities. It also offers recurring payments and subscriptions, allowing businesses to manage regular billing cycles. Additionally, NOWPayments provides full white-label solutions.
PayerURL: Supports on-chain payments and API invoicing, but it lacks manual invoicing and recurring/subscription payment options. It also does not offer white-label capabilities, keeping its branding visible during the payment process.
Verdict: NOWPayments is the better option for businesses that require comprehensive payment solutions. PayerURL, while functional for basic payment processing and invoicing, lacks the flexibility and advanced features that NOWPayments offers for larger businesses or those requiring more control over their checkout experience.
Fees & Pricing
| Feature | NOWPayments | PayerURL |
| Processing fee | 0.5-1% | 0.0-0.5% |
| Customizable network-fee offers | ✅ | ❌ |
| 0% service fee for payouts | ✅ | ✅ |
NOWPayments: Charges a competitive processing fee of 0.5%, which is considered one of the lowest in the market. There are no hidden fees for crypto-to-fiat conversions, and the platform allows merchants to set up automatic conversions at favorable rates. It also offers customizable network fee options, giving merchants control over who pays the network fees [1].
PayerURL: Uses a tiered subscription model with varying fees based on the plan selected. Premium plans offer a 0% fee, while basic plans may have a transaction fee of up to 0.5%. However, it lacks the ability to customize network fee offers, and merchants don’t have control over who bears the gas fees [3].
Verdict: NOWPayments offers a simple, transparent 0.5% fee structure and customizable network fee options, making it a cost-effective and flexible choice for businesses. PayerURL offers tiered pricing with a 0% fee option for premium plans, but its varied pricing structure and lack of customizable network fees may not suit all businesses.
Financial Settlement & Payouts
| Feature | NOWPayments | PayerURL |
| API payouts (crypto→wallet) | ✅ | ❌ |
| Fiat-to-crypto payouts | ✅ | ❌ |
NOWPayments: Offers both crypto and fiat settlement options. It automatically converts crypto to fiat at a favorable rate, and merchants can receive payouts in over 75 fiat currencies.
PayerURL: Does not provide fiat-to-crypto conversion or direct fiat settlement. Merchants can only receive payments in crypto.
Verdict: NOWPayments provides more flexibility in financial settlement by offering both crypto and fiat options. PayerURL is more limited, offering only crypto settlements.
Integration & Plugins
| Feature | NOWPayments | PayerURL |
| REST API | ✅ | ✅ |
| Plugins | ✅ | ✅ |
| Dedicated mobile/web POS (QR) | ✅ | ✅ |
NOWPayments: Provides WooCommerce integration with its dedicated plugin, making it ideal for businesses using this platform. It also offers an API for custom cart integrations, enabling businesses to tailor their payment solutions. Additionally, NOWPayments supports mobile/web POS (QR), allowing merchants to accept payments through dynamic QR codes on both mobile and web platforms [1].
PayerURL: Primarily supports WooCommerce through its official plugin, along with a basic API for integration. Like NOWPayments, it also provides mobile/web POS (QR) functionality, enabling merchants to accept payments through QR codes [2].
Verdict: Both NOWPayments and PayerURL focus on WooCommerce integration and provide API functionality. However, NOWPayments stands out with its dedicated plugin and slightly more flexible API for custom integrations while also h§aving a payment button and payment widget. Both platforms offer mobile/web POS (QR) solutions, making them equally suitable for businesses needing easy, contactless payment options.
Registration & Setup Time
| Feature | NOWPayments | PayerURL |
| Instant user registration flow | ✅ | ✅ |
| Simple user registration flow | ✅ | ✅ |
| Simple KYC procedure | ✅ | ❌ |
NOWPayments: Setting up an account with NOWPayments is quick, taking less than 5 minutes. There is no extensive KYC procedure. Merchants can start accepting payments immediately after signing up. The platform allows test payments right from the start [1].
PayerURL: Similarly, PayerURL offers a simple and quick registration process. However, the KYC procedure is optional, which can extend the registration time. Moreover, there is a need to provide some necessary details after registration [2].
Verdict: Both platforms provide a simple and fast registration process, allowing businesses to get up and running with minimal hassle. NOWPayments may offer a slight edge due to its instant test payment options.
Reporting & Analytics
| Feature | NOWPayments | PayerURL |
| Dashboard analytics | ✅ | ✅ |
| Exports (CSV/XLS/PDF/API) | ✅ | ❌ |
NOWPayments: Provides detailed analytics with real-time tracking of transactions, revenue, and payment statuses. Merchants can also export transaction data in CSV/XLS formats, offering a comprehensive view of their performance.
PayerURL: Also offers a dashboard for basic analytics, allowing users to view their transaction details. However, it lacks export capabilities and more advanced reporting features, making it less flexible for in-depth analysis.
Verdict: NOWPayments excels with its comprehensive reporting tools and export options, providing businesses with greater control over their data. PayerURL offers basic analytics but falls short in terms of export functionality and advanced reporting features.
Support & Service
| Feature | NOWPayments | PayerURL |
| Telegram chat | ✅ | ✅ |
| Live chat | ✅ | ❌ |
| Dedicated manager | ✅ | ❌ |
| Knowledge base | ✅ | ❌ |
| Support/Help Center | ✅ | ✅ |
NOWPayments: Provides 24/7 email and ticket support, live chat, and dedicated account managers for all users. NOWPayments also offers personalized support with the option for direct communication via Telegram, ensuring continuous assistance. Additionally, it has a comprehensive knowledge base and help center for self-service support.
PayerURL: Offers Telegram chat support but does not provide live chat or dedicated account managers. There is no separate section for the knowledge base, however, there are several blog posts about payments and api integration.
Verdict: NOWPayments offers superior support with live chat, a knowledge base, and dedicated managers for clients with an opportunity to communicate personally via Telegram. PayerURL offers more limited support, with no live chat or dedicated managers and no knowledge base section.
Solutions for other Businesses
NOWPayments
- Large Enterprises: Seamless integration with high-volume platforms, custom solutions, and dedicated account managers.
- iGaming: Supports fast, secure on-chain payments with instant exchange guarantees for global players.
- Trading Platforms: Wide crypto asset support and high-volume payment processing for traders.
- Token Generation Events (TGE): Facilitates token sales with multi-crypto support and recurring payments.
- E-commerce: Easy integration with WooCommerce for global crypto payments and subscription models.
PayerURL
*The screenshot of the home page is sourced from PayerURL’s official website.
- Online Stores: Simple WooCommerce integration for accepting crypto payments with basic invoicing and low setup effort.
- Merchants in Niche Markets: Accepting payments in cryptocurrency without the complexity of integrating large enterprise solutions.
Verdict: NOWPayments is the better choice for large enterprises, iGaming platforms, trading businesses, Token Generation Events (TGE), and e-commerce businesses that need advanced, customizable payment solutions. It offers seamless integration with multiple platforms, white-label options, crypto-to-fiat settlements, mass payouts, recurring payments, and advanced analytics, making it ideal for high-volume operations. On the other hand, PayerURL is more suited for online stores and niche markets, providing easy WooCommerce integration, basic invoicing, and secure on-chain payments. While PayerURL is cost-effective and simple to implement, it lacks the advanced features and flexibility that NOWPayments offers, making the latter a better option for businesses with more complex needs and larger transaction volumes.
Pros & Cons
NOWPayments
Pros:
- Wide support for 300+ cryptocurrencies and stablecoins.
- Full API and plugins for seamless integration with various platforms.
- White-label solutions and customizable features for branding flexibility.
- Recurring payments and mass payouts features for large-scale payouts.
- Crypto-to-fiat conversion with favorable rates and settlement options.
- 24/7 support with dedicated account managers for large clients.
- Advanced reporting, analytics, and dashboard features for enterprise-level tracking.
Cons:
- Slightly higher processing fees (0.5-1%).
- No sandbox.
Best For:
- Large enterprises, marketplaces, SaaS, e-commerce, and iGaming needing non-custodial control with custody options available, custom branding, and robust payment solutions. It’s ideal for businesses that need flexibility, scalability, and reliable customer support.
PayerURL :
Pros:
- Simple, fast registration with minimal setup required.
- Easy integration with WooCommerce for small-to-medium-sized e-commerce businesses.
- Basic invoicing and payment processing for a streamlined crypto payment experience.
- Affordable pricing structure with tiered plans.
Cons:
- Limited cryptocurrency support (mainly BTC, ETH, USDT).
- No advanced features like mass payouts, recurring payments, or crypto-to-fiat settlement.
- Lacks white-label solutions or deep customization options.
- Limited reporting and analytics.
Best For:
- Small to medium-sized online stores, creators, and niche market businesses that need a simple, cost-effective way to accept cryptocurrency payments. It’s particularly suited for WooCommerce-based stores and businesses looking for basic, no-fuss crypto payment solutions without the complexity of advanced features.
Real User Reviews & Community Feedback
NOWPayments enjoys a generally positive reputation across Reddit and TrustPilot. Users consistently praise its speed, reliability, and helpful support. Merchants highlight smooth integrations with platforms like WooCommerce and seamless payment processing [6]. The ability to integrate with a wide range of cryptocurrencies is another appreciated feature, making it a flexible option for various industries. However, some users mention that custom setups can be time-consuming for those with unique needs. Overall, most users agree that NOWPayments delivers on its promises and provides a robust service for large enterprises and high-volume transactions [7].
PayerURL has a mixed reputation based on user reviews from platforms like TrustPilot. While some users appreciate the fast customer service and easy-to-use platform, others have reported significant issues. Complaints include payment bugs, lack of response from support, and missing payments. There are several negative reviews describing experiences with incorrect wallet addresses, delays in payouts, and even accusations of fraudulent activity. However, there are positive comments from users who report quick issue resolution after contacting support [7].
General Sentiment: NOWPayments has a more consistent and positive overall reputation, with users praising its reliability and support. The platform’s ability to handle large-scale integrations and offer comprehensive features makes it a strong contender for enterprises and high-volume businesses. On the other hand, PayerURL has a more mixed reputation, with many positive reviews praising its customer service but several concerning reports of missing payments, fraud accusations, and delayed support. NOWPayments is generally viewed as a more trustworthy and stable option, especially for businesses needing robust, scalable solutions.
Why Clients Choose NOWPayments Over PayerURL
Clients often prefer NOWPayments over PayerURL due to its comprehensive feature set and scalability. NOWPayments supports over 300 cryptocurrencies, offering a wide range of payment methods, including on-chain payments, recurring billing, and mass payouts, making it ideal for large enterprises, iGaming platforms, and high-volume e-commerce stores. The platform also provides white-label solutions, allowing businesses to fully brand the payment experience, which is a critical feature for companies looking to maintain a cohesive brand identity. Furthermore, NOWPayments offers seamless crypto-to-fiat conversions with competitive exchange rates, which is essential for businesses needing to operate in both digital currencies and traditional fiat.
Additionally, NOWPayments is known for its robust customer support and enterprise-level features. It offers dedicated account managers and advanced analytics dashboards, helping businesses track transactions and revenue in real-time. While PayerURL may be sufficient for small online stores, NOWPayments stands out for its ability to meet the needs of large, complex operations with high transaction volumes. With its easy integrations across various e-commerce platforms, coupled with a more secure and reliable service, businesses are more likely to choose NOWPayments for long-term scalability and trustworthiness.
Final Verdict: NOWPayments or PayerURL?
- For Large Enterprises, E-commerce, iGaming, Trading, Token Generation Events, and High-Volume Transactions → NOWPayments wins.
NOWPayments is the superior choice for businesses that require a comprehensive, scalable payment solution. With its support for over 300 cryptocurrencies, white-label options, mass payouts, crypto-to-fiat conversion, and dedicated support, it provides a robust platform tailored for large enterprises, iGaming, trading platforms, Token Generation Events, and high-volume e-commerce. The ability to handle complex integrations and large-scale operations makes NOWPayments the go-to choice for businesses seeking flexibility and reliability.
- For Small to Medium-Sized Online Stores → PayerURL is the better option.
For smaller online stores or merchants looking for a simple, no-frills crypto payment gateway, PayerURL offers a cost-effective, easy-to-integrate solution. It excels at providing basic invoicing, a fast registration process, and responsive customer support, which are ideal for businesses that don’t need the advanced features offered by NOWPayments. If your business is focused on simplicity and quick setup, PayerURL provides a streamlined, efficient option without unnecessary complexity.
FAQ: NOWPayments vs PayerURL 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 PayerURL regulated and legit?
PayerURL is not publicly listed as a regulated payment gateway, and there have been some user complaints regarding security and payment issues. While some users report positive experiences, others have raised concerns about fraud and delayed payments. It’s important to carefully evaluate the platform and consider potential risks before using it for large or critical transactions. NOWPayments, on the other hand, offers a more established reputation with a broader range of enterprise-level features, making it a more reliable choice for businesses.
Which is cheaper: NOWPayments or PayerURL?
Both NOWPayments and PayerURL offer competitive pricing, but PayerURL may appear cheaper for small businesses, especially with its tiered subscription plans starting at 0% fees for premium users. However, NOWPayments charges a 0.5% transaction fee, which is reasonable for businesses needing advanced features like crypto-to-fiat conversion, recurring payments, and mass payouts. While PayerURL offers a simpler, more affordable solution for smaller stores, NOWPayments provides greater value for larger businesses, despite its transaction fee.
Which gateway is better for large enterprises?
NOWPayments is the clear winner for large enterprises. It offers scalable solutions with mass payouts, white-label options, crypto-to-fiat conversion, and dedicated support. It supports over 300 cryptocurrencies, making it ideal for high-volume transactions across multiple industries, including e-commerce, iGaming, trading platforms, and Token Generation Events. PayerURL, while effective for small-to-medium businesses, lacks the features needed for large-scale operations.
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 PayerURL without a bank account?
Yes, you can use PayerURL without a bank account, as it operates as a cryptocurrency payment processor. However, if you need to convert cryptocurrency to fiat or withdraw funds to a traditional bank, you would typically need a bank account. PayerURL allows you to receive payments in cryptocurrency directly to your wallet, which does not require a bank account for the receiving process. NOWPayments also allows crypto payments without a bank account but offers additional options for crypto-to-fiat settlement if needed.
How We Compared NOWPayments vs. CoinsPaid (Methodology)
This comparison was based on: