NOWPayments

NOWPayments is a crypto payment gateway supporting more than 350 currencies, covering hosted invoices, a payment widget, plugins, point of sale, a white label option and a development API, plus mass payouts, custody, off ramp payouts and customer operations for managing funds. Service fees are published as a range rather than a single rate.

Separating the service fee from the network fee, and stating that the network fee is passed through at cost, is the disclosure that matters most here. Blockchain transaction costs vary by chain and by congestion, sometimes by an order of magnitude within a day, so a processor quoting one all in number is either absorbing that risk in its margin or will surprise the merchant. Naming the two components separately is the honest structure even though it reads as less simple.

The industry list is unusually explicit, naming casinos, adult platforms, trading platforms and CPA networks alongside e-commerce and charity. Those are precisely the sectors card processors decline, which is a substantial part of the real demand for crypto payments and is more often implied than stated.

Rates rise for multi currency payments with automatic conversion, which is the feature most merchants actually want, so the entry rate is not the rate most will pay.