Comparison

Payzum vs NOWPayments

In short: NOWPayments is a hosted crypto payment gateway launched by ChangeNOW in 2019. It lists 350+ cryptocurrencies and adds an optional custody balance and a EUR bank off-ramp. Payments pass through its deposit addresses, while Payzum settles each payment on-chain straight to your own wallet for 0.5% per sale.

Checked on October 21, 2026. Prices and features change, so confirm on each provider's site before you decide.

Payzum and NOWPayments side by side

Feature	Payzum	NOWPayments
Fee per payment	0.5% per processed sale, deducted from the amount received, plus network gas.	1% for same-coin payments and 1.5% with conversion, fixed rate or fee paid by the customer (help center, October 2026). KYC plus KYB cuts it to 0.5%, and partner deals go to 0.3%. [1]
Other fees	Auto-conversion, mass payouts and x402 are quoted on request.	Network fees apply on top, and the default flow charges two on-chain transfers to the deposit. Custody conversions cost 0.5%, payouts carry no service fee and no monthly fee is listed. [5]
Who holds the funds	Non-custodial: each payment settles on-chain straight to the merchant's own wallet.	Non-custodial by default, per NOWPayments: customers pay its deposit address and it forwards the net amount to your payout wallet. Optional Custody holds a balance on the platform. [6]
Payout to a bank account	No. Payzum is crypto-only; you can auto-convert to USDC or USDT.	Yes. EUR to a SEPA bank account through Guardarian, after KYB with the provider, from a Custody balance converted to USDT TRC20. Launch fee was 0.8% + 25 EUR (July 2025). [7]
USDC and USDT	Yes, on Ethereum, Solana, Polygon, Base, Arbitrum, Optimism, BNB Chain and Avalanche.	USDT on Tron, Ethereum, BNB Chain, Solana, Polygon, TON, Arbitrum, Avalanche and Celo. USDC on Ethereum, Solana, Base, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche and Algorand. [9]
Store plugins and API	29 open-source integrations (WooCommerce, Shopify, Magento, WHMCS and more), SDKs, REST API, signed webhooks.	Plugins for WooCommerce, WHMCS, Shopify, Magento 2, PrestaShop, OpenCart and others. REST API with IPN callbacks, SDKs, invoices, payment links, widgets and buttons. [10]
In-person point of sale	Yes: a fresh QR per sale, any phone as a terminal, PIN cashiers.	A POS terminal link you open on a phone or any other device so the customer can pay on the spot. It needs no extra hardware. [13]
Mass payouts	Yes: CSV payouts in BTC, LTC and DOGE, and stablecoin payouts on EVM networks.	Mass payouts by CSV upload, manual entry or API, sent from the Custody balance. Payouts carry no service fee, and you pay one network fee per payout. [5]
AI agents (x402)	Yes: x402 proxy in front of your API, settled through an external facilitator.	No native x402 support, per its own blog (July 2026). It offers an MCP server so AI assistants can create invoices and payments through its API. [15]
Account verification	Sign up, then complete the account verification that applies.	Email signup, a payout wallet and an API key are enough to start. KYC and KYB are optional and lower the fee. Fiat features need KYB, and AML checks can trigger KYC. [11]
Hosted or self-hosted	Hosted service.	Hosted service run by NOWPayments, launched by ChangeNOW in 2019. We found no self-hosted edition. [6]

When NOWPayments is the better choice

You want euros paid into a SEPA bank account through its Guardarian off-ramp.
You need many less common coins, since it lists 350+ cryptocurrencies.
You will complete KYC and KYB or sign a partner deal, which brings same-coin fees to 0.5% or as low as 0.3%.

When Payzum is the better choice

Each payment settles on-chain straight to a wallet you control. Payzum never holds or pools your funds.
One fee of 0.5% per sale plus network gas, deducted from what you receive (100 USDC paid, 99.50 USDC received).
A point of sale on any phone or tablet, with PIN cashiers and analytics per cashier.

Questions about switching

Which is cheaper, Payzum or NOWPayments?

Payzum charges 0.5% per sale plus gas. As of October 2026 NOWPayments charges 1% on same-coin payments and 1.5% with conversion, plus network fees. With KYC and KYB its same-coin rate drops to 0.5%.

Can I get paid in euros to my bank account?

With NOWPayments, yes. Its Guardarian off-ramp sends EUR by SEPA after KYB, from a Custody balance. Payzum is crypto-only and settles in crypto, with optional auto-conversion to USDC or USDT.

How hard is it to switch from NOWPayments to Payzum?

Payzum can send signed webhooks in a NOWPayments-compatible IPN format, so an existing IPN handler may need fewer changes. Payzum also has official plugins for WooCommerce, WHMCS, Shopify and 26 other platforms.

Sources

More comparisons and guides: Other NOWPayments alternatives · All comparisons · Payzum pricing.

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