NOWPayments alternative

Scope of supported assets

If you need long-tail altcoins or fiat conversion, NOWPayments may cover more tickers. CXPay documents a fixed list without claiming support for every token.

Merchants with a short list of settlement assets often prefer a smaller matrix that finance can explain to payers.

The merchant dashboard and GET /reports/payments help you filter by status and time range. Download GET /exports/payments.csv when finance needs a spreadsheet-friendly view. Pair exports with webhook-driven order updates so internal systems stay aligned with on-chain settlement. Because CXPay does not hold balances, your wallet history and CXPay reports together form the reconciliation trail.

Payment flow and custody

NOWPayments forwarding model differs from CXPay direct merchant wallet settlement. Understand treasury impact before switching.

Server integrations should create payment intents with Idempotency-Key headers, persist the returned intent ID on your order row, and only mark paid after payment.succeeded verifies on your webhook handler. Test keys let you exercise the full lifecycle without touching live balances. WooCommerce merchants request the official plugin through the contact form and configure API base URL plus webhook secrets before going live.

Configure webhook endpoints to receive signed POST requests when payment state changes. Parse the cxpay-signature header, reject stale timestamps outside the five-minute tolerance, and return quickly while processing asynchronously. Failed deliveries retry and may dead-letter; use dashboard delivery logs to diagnose URL typos, TLS issues, or application errors on your side.

Advertised rates and verification

NOWPayments advertises reduced fees after KYC and KYB per their public pages, checked October 2026. CXPay publishes flat rates without tying discounts to identity upload in merchant onboarding.

On CXPay the lowest rate, 0.5%, comes from the payer choosing the CXCASH rail rather than from submitting identity documents, so the discount is available to every merchant from day one.

Merchants who educate payers about exact amounts and quote expiry see fewer support tickets. Publish your accepted assets and networks on your store policy page and link to CXPay asset guides. When customers pay with ETH or BTC, remind them that network fees appear separately from the CXPay merchant fee. For audiences comfortable with Aztec, highlight CXCASH as a gas-free alternative through cxcash.app.

Operations after you switch

After switching from NOWPayments, confirm each payout lands in the wallet you control rather than a forwarding balance, update the accepted-coin list on your checkout and policy pages, and retire old deposit addresses so payers do not send funds to an inactive integration.

Side-by-side comparison

CXPay vs NOWPayments (per their public pages, checked October 2026)
Topic	CXPay	NOWPayments
Processing fee	1% standard; 0.5% CXCASH; $0.30 minimum	1% same-coin; 1.5% with conversion; down to 0.5% after KYC+KYB
Fund flow	Direct payout to merchant wallet	Payments via deposit addresses/forwarding
KYC	No merchant KYB in CXPay sign-up flow	KYC can be requested; KYB for lowest advertised rate
Geography	Merchants responsible for local rules	Terms exclude some regions (e.g. EU, UK, US, UAE) per public terms
Coin coverage	Listed ETH/BTC/EVM stables + CXCASH	Many more coins and fiat features
Tron / Solana / Lightning	TRC20, Solana Pay URIs, BOLT11 Lightning	Broad coin list; verify each rail on NOWPayments

Start accepting crypto payments

Create a merchant account with email, business name, and your payout wallet. No ID documents required.

Questions about this page

Is CXPay a drop-in NOWPayments replacement?

Integration paths differ. CXPay offers hosted checkout, API, links, invoices, and WooCommerce via contact. Evaluate feature parity before migrating.

Does CXPay offer fiat settlement?

No. CXPay settles crypto to your wallet only.

Where are competitor fees sourced?

From NOWPayments public pricing and product pages (per their public pages, checked October 2026).

Can I use CXPay without business verification?

CXPay merchant sign-up does not require KYC/KYB documents as described on our FAQ.