nowpayments vs Checkout.com

Compare nowpayments and Checkout.com on pricing, features, platforms, and ratings — both Payments tools, 0.5% fee per direct crypto transaction, 1% with…

At a Glance

 nowpaymentsCheckout.com
Primary categoryPaymentsPayments
RatingNot documentedNot documented
Pricing model0.5% fee per direct crypto transaction, 1% with currency conversion, plus blockchain network fees; account signup is free, no subscription tiers.Usage-based
Starting priceNot documented0.95% + $0.20 per transaction (European cards)
Free planNot documentedNot documented
Free trialNot documentedNot documented
PlatformsWebWeb
Team collaborationNot documentedNot documented
AI featuresNot documentedYes
Public APIYesYes

Pricing Compared

Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.

nowpayments

No individual plan breakdown documented yet.

Checkout.com

Standard (European cards) — 0.95% + $0.20 per transaction Per transaction
Standard (non-European cards) — 2.90% + $0.20 per transaction Per transaction
Enterprise — Custom (interchange + markup) Custom

Pros & Cons

nowpayments

Pros

  • Non-custodial model — funds settle straight to the merchant's own wallet
  • Broad coin support with auto-conversion
  • Flat, published fee structure (0.5% direct / 1% with conversion)
  • Ready-made checkout plugins for WooCommerce, Shopify, PrestaShop, and Magento 2 plus a documented REST API
  • Actively serves higher-risk verticals many mainstream processors decline outright

Cons

  • Operating entity incorporated in Saint Vincent and the Grenadines, a lightly-regulated offshore jurisdiction
  • No publicly disclosed subscription/volume-tier pricing — larger volumes 'may' unlock lower fees only on request
  • Quoted 0.5%/1% fees exclude underlying blockchain network/gas fees
  • Limited public detail on dispute/chargeback handling, notable given crypto payments' typical irreversibility
  • Inconsistent supported-coin counts across its own marketing pages (350+ vs 75+)

Checkout.com

Pros

  • Direct card network membership across Visa, Mastercard, and other networks in many markets
  • Interchange++ pricing offers more fee transparency than blended-rate processors
  • Single API covering payments, issuing, identity verification, and fraud prevention
  • Built for global, multi-currency, high-volume enterprise operations

Cons

  • Enterprise pricing is not fully public and requires a sales conversation for an accurate quote
  • Primarily designed for larger merchants; may be more than smaller businesses need
  • Integration and onboarding can be more involved than plug-and-play payment providers
  • Standard flat-rate pricing for non-European cards is higher than some competitors

Use Cases

nowpayments

Checkout.com

  • Global enterprise ecommerce — Large online retailers use Checkout.com to accept payments across multiple currencies and card networks worldwide.
  • Marketplaces and platforms — Multi-sided marketplaces use Checkout.com's payments and payouts APIs to collect from buyers and disburse to sellers.
  • Fraud and risk management — Merchants use Fraud Detection Pro and Intelligent Acceptance to reduce chargebacks while maximizing approval rates.

Read the full nowpayments review · Read the full Checkout.com review