NowPayments vs PayRam
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.
Rate card
Published list rates per supported rail.
| Rail | NowPayments | PayRam |
|---|---|---|
| Card payments | Not supported | 2.20% + $0.20 |
| Crypto payments | 0.50% + $0.00 | 0.50% + $0.00 |
| Chargeback fee | None | None |
| Payout delay | T+1 | T+0 |
Monthly fee scenarios
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 | $2,466.67 |
| 80% cards / 20% crypto | $200.00 (covers 20%) | $2,073.33 |
| 50% cards / 50% crypto | $500.00 (covers 50%) | $1,483.33 |
| All crypto | $1,000.00 | $500.00 |
Want different numbers? Run the full calculator →
Feature comparison
| Feature | NowPayments | PayRam |
|---|---|---|
| High-risk friendly | ✓ | ✓ |
| Accepts cards | — | ✓ |
| Accepts crypto | ✓ | ✓ |
| Same-day payouts | — | ✓ |
| No chargeback fees | ✓ | ✓ |
| Auto-fiat conversion (no markup) | — | ✓ |
| Global tax & compliance handled | — | — |
| No monthly minimum | ✓ | ✓ |
Not sure which gateway is right for you?
We're independent payments specialists. Send us your numbers and we'll help you choose the best gateway for your business — free, no commitment.
Talk to a specialist →Frequently asked questions
What's cheaper — NowPayments or PayRam?
PayRam comes out cheaper in most scenarios where both can serve 100% of the payment mix.
Can NowPayments and PayRam both process card payments?
NowPayments does not accept card payments. PayRam accepts card payments. If your business runs primarily on cards, this is the first filter.
Do NowPayments and PayRam support high-risk merchants (iGaming, adult, forex)?
NowPayments is high-risk friendly. PayRam is high-risk friendly. Run the eligibility quiz on the calculator page for a tailored answer.
How fast are payouts with NowPayments versus PayRam?
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.