Fiat Processing

Get your crypto payments deposited directly into your bank account – or the other way around. Accept fiat payments or cash out in fiat with NOWPayments – in style.
Apply for Fiat Processing

Fiat payments – both ways

Charge fiat – get paid in crypto

Allow your customers pay with the payment method they’re used to – we will automatically convert it into crypto and send your profit to your wallet.

The process is very simple – the feature is already available via invoices. Start accepting fiat right away. You may need to onboard with our fiat provider at their request.

Fiat-to-Crypto Payment Flow

Create an invoice

Create an invoice

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Customer pays the invoice with fiat

Customer pays the invoice with fiat

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We convert fiat into crypto

We convert fiat into crypto

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We send the converted crypto to your wallet

We send the converted crypto to your wallet

Charge crypto – settle in fiat

Settlement payments for NOWPayments’ merchants happen upon request through SEPA transfers to your bank account.

We protect merchants on our platform by maintaining enterprise-level legal and compliance standards. There are no limits for payouts; after a short application and verification process, you can withdraw as much as you want – any time you want.

Crypto-to-Fiat Settlement Flow

You tell us the amount you need to withdraw

You tell us the amount you need to withdraw

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We show you the rate and the deposit address

We show you the rate and the deposit address

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You send the funds to our deposit address

You send the funds to our deposit address

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You get a EUR settlement to your SEPA bank account

You get a EUR settlement to your SEPA bank account

Apply for Fiat Processing

Fiat Processing Details

KYC/KYB

KYC/KYB

In order to preserve the highest level of security and be fully compliant with the existing regulations, we require clients to undergo a quick onboarding process. For more information, reach out to us at [email protected]
Fees

Fees

Fiat operations on NOWPayments are subject to additional fees. We do our best to keep them as low as possible. The fees for fiat-to-crypto operations are 4%, the fees for crypto-to-fiat cash-out are just 1%.
Assets

Assets

Fiat payments are available in EUR, RUB, USD, TRY, GBR, UAH, while fiat withdrawals are available in EUR. We're always open to your feedback! If you’d like us to add a certain fiat currency, feel free to reach out to us!

Frequently Asked Questions

Here's the list of documents that you will need:

Fiat-to-crypto (for customers): Any ID valid in the customer's country; Selfie; Phone number.
Fiat-to-crypto (for merchants, at the fiat provider’s request): Company extract/certificate incorporation (dated within 3 months) Domain ownership rights (whois/dashboard screenshot where we can see the Owner (Person/Company)) Director authority (Document on appointment of Director and signature right in the company (Certificate of appointment/Memorandum of appointment directors or signatory/Power of attorney))
To start the verification process, please contact us at [email protected]

The crypto market is subject to a number of certain rules and regulations which make it mandatory for most crypto services to have the AML/KYC procedure implemented.

Our fiat providers strive to protect our clients from any type of scams and fraudulent activities in the crypto world and comply to all rules and regulations present at the moment, and one of the ways that enables us to help them do so is the KYC/AML procedure.

This procedure confirms the absolute legality of the transaction carried out by you before the regulatory institutions. Thus, you confirm that you are a law-abiding citizen/company and the state has no reason to address any claims towards you.

At the moment, the cash-in solution works through all our plugins, as well as through our Personal Account; however, it's not available in the API yet. We are constantly working on improving the service, so expect cash-in to be available in the API soon. Let us know through [email protected] if you'd like to be notified! In the meantime, fiat withdrawals are available regardless of the integration tool.

In order to make fiat processing available for you, we have partnered up with several third-party providers, who charge additional fees for their services. For your convenience, we are constantly looking for new providers and better conditions for our clients.

Learn more

Have a Question?

We offer a simple way to enable your users to send Bitcoins for donations, fundraising, support, or buying something from your online store. NOWPayments is a non-custodial service, meaning we don’t hold onto your payment for any reason.

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