Stripe vs NowPayments Fees: Rate Card, Features and Merchant Eligibility
Stripe and NowPayments serve different payment mixes — direct comparison depends on your business model.
The card processing standard. Strict underwriting.
Crypto-only gateway. No card acceptance.
Stripe vs NowPayments fee rate card by payment type
Published list rates per supported rail.
| Rail | Stripe | NowPayments |
|---|---|---|
| Card payments | 2.90% + $0.30 | Not supported |
| Crypto payments | Not supported | 1.00% + $0.00 |
| Chargeback fee | $15.00 | None |
| Payout delay | T+2 | T+1 |
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 | Stripe | NowPayments |
|---|---|---|
| All cards | $3,300.00 | Doesn't serve this mix |
| 80% cards / 20% crypto | $2,640.00 (covers 80%) | $200.00 (covers 20%) |
| 50% cards / 50% crypto | $1,650.00 (covers 50%) | $500.00 (covers 50%) |
| All crypto | Doesn't serve this mix | $1,000.00 |
Want different numbers? Run the full calculator →
Stripe vs NowPayments: feature and eligibility comparison
| Feature | Stripe | NowPayments |
|---|---|---|
| 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 Stripe cheaper than NowPayments for merchants?
Stripe and NowPayments serve different payment mixes — direct comparison depends on your business model.
Do Stripe and NowPayments both accept card payments?
Stripe accepts card payments. NowPayments does not accept card payments. If your business runs primarily on cards, this is the first filter.
Are Stripe and NowPayments available to high-risk merchants such as iGaming or adult businesses?
Stripe is not high-risk friendly — it won't onboard merchants in regulated or sensitive categories. NowPayments is high-risk friendly. Run the eligibility quiz on the calculator page for a tailored answer.
How do Stripe and NowPayments payout speeds compare for merchants?
Stripe typically pays out at T+2. NowPayments typically pays out at T+1. Faster payouts reduce your working-capital cost — quantify it with the Payout Timing tool.