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CRYPT.PE
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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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featureCRYPT.PENOWPayments
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 , and may change — always confirm on the source pages: NOWPayments fees (help center) · NOWPayments pricing · Custody & mass payouts.

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.

the fee stack, mode by mode

what NOWPayments actually costs in each processing mode

"1%" undersells the real structure — the cost depends on which mode a payment flows through (rates below per NOWPayments' fee docs; custom offers can lower them):

ModeService feeExtra costs to know about
Custodial (default) — payment credits your balance1% (1.5% if the payout currency differs)Network fee once, on withdrawal; batching payouts saves fees
Custodial balance conversion (e.g. alt → USDT)0.5% per conversionNo extra network fee — internal swap
Direct-to-wallet (non-custodial mode)1% (1.5% with conversion)Funds hop via a one-time deposit address — expect additional merchant-side network fees per payment
Fixed-rate / fee-paid-by-user invoicestypically 1%Rate lock priced into the quote
CRYPT.PE — every payment0% — flat plan onlyOne network fee, paid by the sender; no withdrawal step exists

Rates per NOWPayments' published fee documentation, last verified 12 September 2026 — always confirm current rates on their pricing page.

compare all gateways →read: custodial vs non-custodial processors →
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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