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NOWPayments alternative

The NOWPayments alternative that never holds your funds

NOWPayments charges 1% per transaction (1.5% with currency conversion) and is custodial by default — payments credit a platform balance until you withdraw, though an optional direct-to-wallet flow exists. CRYPT.PE is non-custodial only: every payment goes straight to your wallet, instantly, with a flat 0% platform fee.

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crypt.pe vs NOWPayments

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feature
CRYPT.PE
NOWPayments
Platform fee
0% — flat plan only
1% per tx (1.5% with conversion)
Custody of funds
Non-custodial — always
Custodial by default; optional direct-to-wallet
Default settlement
Straight to your wallet
Platform balance until withdrawal
Payout speed
Instant
On withdrawal (custodial mode)
Account freezes
Impossible — we never hold
Possible in custodial mode
Public payment page
crypt.pe/yourname — included
Limited
Orders API + webhooks
Yes — Stripe-style
Yes
Verified merchant trust
Public checkmark + 2FA
No
methodology & sources

We build crypt.pe, so read this table as a first-party comparison. NOWPayments details are based on public documentation, last verified 2 September 2026, and may change — always confirm on the source pages: NOWPayments fees · Custodial vs non-custodial flows.

When NOWPayments is the better fit: merchants who want the widest altcoin menu with built-in conversion tools and don't mind a platform balance.

why merchants switch

keep your fees, your funds, and your freedom

Non-custodial by default, not by toggle

NOWPayments credits a platform balance unless you switch on its direct-wallet flow. CRYPT.PE has one mode: the payer's transaction lands directly in your wallet on-chain, always.

No withdrawal step

Because funds are already yours, there's nothing to withdraw. Get every payment the moment it confirms.

Trust that converts

Earn a public verified-merchant checkmark with 2FA and email verification — payers complete checkout more often when the page looks legit.

questions merchants ask

NOWPayments vs crypt.pe,
answered straight.

the exact questions merchants type into search — answered without the marketing fog.

NOWPayments is custodial by default — payments credit your NOWPayments balance until you withdraw — with an optional non-custodial direct-to-wallet flow you can enable. CRYPT.PE has one mode: non-custodial, always. The payer's transaction lands directly in your own wallet on-chain, so there is nothing to withdraw.

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NOWPayments behind?

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