NowPayments vs PayRam Fees: Rate Card, Features and Merchant Eligibility
PayRam comes out cheaper in most scenarios where both can serve 100% of the payment mix.
Crypto-only gateway. No card acceptance.
Cards + crypto, both priced competitively. Same-day payouts.
NowPayments vs PayRam fee rate card by payment type
Published list rates per supported rail.
| Rail | NowPayments | PayRam |
|---|---|---|
| Card payments | Not supported | 0.50% + $0.00 |
| Crypto payments | 1.00% + $0.00 | 0.50% + $0.00 |
| Chargeback fee | None | None |
| Payout delay | T+1 | T+0 |
Monthly payment processing cost at $100,000 volume
What each provider would charge on $100,000/month, $75 average ticket, with fiat settlement enabled.
| Payment mix | NowPayments | PayRam |
|---|---|---|
| All cards | Doesn't serve this mix | $500.00 |
| 80% cards / 20% crypto | $200.00 (covers 20%) | $500.00 |
| 50% cards / 50% crypto | $500.00 (covers 50%) | $500.00 |
| All crypto | $1,000.00 | $500.00 |
Want different numbers? Run the full calculator →
NowPayments vs PayRam: feature and eligibility comparison
| Feature | NowPayments | PayRam |
|---|---|---|
| High-risk friendly | ✓ | ✓ |
| Accepts cards | — | ✓ |
| Accepts crypto | ✓ | ✓ |
| Same-day payouts | — | ✓ |
| No chargeback fees | ✓ | ✓ |
| Global tax & compliance handled | — | — |
| No monthly minimum | ✓ | ✓ |
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Talk to a specialist →Frequently asked questions
Is NowPayments cheaper than PayRam for merchants?
PayRam comes out cheaper in most scenarios where both can serve 100% of the payment mix.
Do NowPayments and PayRam both accept card payments?
NowPayments does not accept card payments. PayRam accepts card payments. If your business runs primarily on cards, this is the first filter.
Are NowPayments and PayRam available to high-risk merchants such as iGaming or adult businesses?
NowPayments is high-risk friendly. PayRam is high-risk friendly. Run the eligibility quiz on the calculator page for a tailored answer.
How do NowPayments and PayRam payout speeds compare for merchants?
NowPayments typically pays out at T+1. PayRam typically pays out at T+0 (same-day available). Faster payouts reduce your working-capital cost — quantify it with the Payout Timing tool.