An independent side-by-side comparison.
Non-custodial multi-coin payment gateway
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Open-source, self-hosted Bitcoin payment processor
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NOWPayments has the higher editorial score (8.3, Very good). Scores reflect our methodology only and are not combined with user reviews.
Fees, regulation, security, assets, integrations and settlement.
| Criteria | NONOWPayments | BTBTCPay Server |
|---|---|---|
| ScoresEditorial score | 8.3 | 7.8 |
| ScoresUser score | No verified reviews yet | No verified reviews yet |
| ScoresSecurity | 7.5 | 9.0 |
| ScoresPricing | 9.0 | 9.5 |
| FeesTransaction fee | 0.5% same-currency; 1% conversion/fixed-rate; network fees extra | 0% platform fee; network fees apply |
| FeesSubscription fee | Not yet verified | Free software; hosting costs may apply |
| FeesMinimum payout | Not yet verified | Not yet verified |
| RegulationRegulatory status | Not Yet Verified | License Requirement Depends on Service Model |
| RegulationJurisdiction | European Union | United States |
| RegulationRegulator | Not yet verified | Not yet verified |
| AssetsSupported coins | BTC, ETH, XMR, LTC, SOL, TRX | BTC |
| AssetsStablecoins | USDT, USDC | Not yet verified |
| AssetsNetworks | Bitcoin, Ethereum, Tron, BNB Chain, Solana | Bitcoin, Lightning |
| FeaturesCustody | non-custodial | non-custodial |
| FeaturesAPI | Yes | Yes |
| FeaturesShopify | Yes | Yes |
| FeaturesWooCommerce | Yes | Yes |
| FeaturesPOS | Yes | Yes |
| FeaturesInvoices | Yes | Yes |
| FeaturesRecurring payments | Yes | Yes |
| SettlementFiat settlement | Not yet verified | No |
| SettlementCrypto settlement | Yes | Yes |
| SettlementSettlement currencies | Not yet verified | Not yet verified |
| SettlementWithdrawal options | Not yet verified | Not yet verified |
| SettlementPayout | Not yet verified | Not yet verified |
| OperationsWebsite | https://nowpayments.io | https://btcpayserver.org |
| OperationsOrigin / headquarters | Not yet verified | Not yet verified |
| OperationsAddress | Not yet verified | Not yet verified |
| OperationsKYC model | Not yet verified | Not yet verified |
| OperationsSupport | Not yet verified | Not yet verified |
Pros
Cons
Pros
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Choose based on your settlement and custody needs first, then verify regulatory status in your jurisdiction. Where facts are marked "Not yet verified", confirm directly with the provider.