NOWPayments Clone Script 2026: Launch a Crypto Payment Gateway Like NOWPayments

A NOWPayments clone script is ready-made white label software that lets you launch your own crypto payment gateway, with the same invoices, plugins, auto-conversion and payouts as NOWPayments, under your brand. In 2026 a white label build costs about $20,000 to $60,000, and Coinsclone launches a standard gateway in 6 to 9 weeks.

This guide shows how a gateway like NOWPayments works and what NOWPayments charges in October 2026. It also shows where NOWPayments does not serve merchants, and what it takes to launch a rival.

In this guide:

• Cost: White label, custom and from-scratch budgets, side by side.
• Fees: What merchants pay on a $100 payment at NOWPayments and four other options.
• KYC and licences: When NOWPayments asks for KYC, and which rules your own gateway must meet.
• Your opening: The five markets NOWPayments’ own terms exclude.
• Launch plan: Features, timeline, revenue streams and the tech stack.

What Is a NOWPayments Clone Script?

A NOWPayments clone script is ready-made software that copies the features of NOWPayments, so you can launch your own crypto payment gateway under your brand. Like NOWPayments, it lets merchants accept many cryptocurrencies, convert them automatically and get paid in crypto or, through partners, in fiat.

Merchants connect through an API, plugins for platforms such as WooCommerce and Shopify, payment links, invoices and point-of-sale tools. You set the fee structure, the supported coins and the payout rules. That makes a NOWPayments clone a flexible base for a gateway that serves e-commerce, SaaS, gaming, travel and more.

What Is NOWPayments? Fees, Coins and Rules in October 2026

NOWPayments is a crypto payment gateway founded in 2019 and linked to the ChangeNOW exchange group. It is still active in October 2026 and says it has processed more than $10 billion since launch. Merchants accept 350+ cryptocurrencies through an API, plugins, payment links, invoices, donation widgets and point-of-sale tools.

Here is what its own site and terms said on 26 October 2026:

• Fees: A 1% service fee to start, with loyalty discounts at higher volume and enterprise pricing on request. Network fees are extra. Older guides still quote 0.5% and 1%, but that schedule is gone from its pricing page.
• Payouts: Mass payouts carry no NOWPayments service fee, only the network fee.
• Custody: Funds go to the merchant’s own wallet by default. An optional custody account holds funds and converts them inside the platform.
• Fiat: Fiat withdrawals pay out in EUR only, through a third-party partner.
• Who can use it: Its terms of service, updated 19 October 2026, say it does not serve people who live in or hold a passport from the EU, the UK, the US, the UAE or Russia.

That last point matters for anyone building a clone. Some of the world’s largest e-commerce markets cannot use NOWPayments at all, so a licensed gateway built for those markets does not compete with it head on.

Does NOWPayments Require KYC?

Usually not, for merchants who only take crypto. NOWPayments’ KYC/AML help page says merchants who only take crypto are asked for KYC or KYB only when a payment is flagged as suspicious. The flagged payment is held until the merchant sends documents.

KYC does apply in three cases:

• Flagged payments: Any payment the risk system marks as suspicious.
• Fiat withdrawals: Cashing out to a bank account needs identity checks through the fiat partner.
• Custody: The firm that holds funds can ask for KYB when it sees fit.

Its terms also say NOWPayments may bring in mandatory KYC for some users in the future.

Can Your NOWPayments Clone Skip KYC?

Rarely, and it depends on where you operate. A user on r/PaymentProcessing asked in March 2026 for a processor where neither they nor their customers had to do KYC. Light checks for crypto-only merchants are possible in some regions. However, licensed markets such as the EU, the UK and the US expect merchant checks (KYB) and AML screening from the start.

The practical answer is tiers. Let small crypto-only merchants start with email sign-up and AML screening of every payment, then ask for full KYB when volume grows or when a merchant wants fiat. Your clone’s KYC/KYB module handles each tier.

Do You Need a Licence to Run a NOWPayments-Style Gateway?

Yes, in most large markets. A gateway that receives, converts or pays out crypto for merchants is a regulated payment or crypto service in most countries. The licence you need depends on where your merchants are:

• EU: A crypto firm licence (CASP) under MiCA. The last transition periods ended on 1 July 2026.
• United Kingdom: Registration with the FCA as a cryptoasset business.
• United States: Registration with FinCEN as a money services business, plus state money transmitter licences where needed.
• UAE: A licence from VARA in Dubai, or from the regulator of the free zone you use.

These are the markets NOWPayments’ terms exclude. That is your opening: a gateway with a local licence can serve merchants there that NOWPayments turns away. A non-custodial design, where funds go straight to the merchant’s wallet, can lower the bar in some regions, so take local legal advice before you pick your model.

Why the NOWPayments Model Works

Crypto payments have moved from a niche to the mainstream. Stripe bought the stablecoin firm Bridge in 2025. The US passed the GENIUS Act to set rules for stablecoins in July 2025. More online stores now take USDT and USDC at checkout.

Merchants want a crypto checkout that is simple, fast and cheap. A gateway like NOWPayments gives them one setup for hundreds of coins, low fees and swaps to stable coins, so they do not have to hold coins whose price jumps.

For the gateway owner, the model is attractive because it earns on every payment, grows as merchants grow, and works across borders without card networks. Firms that sell worldwide, such as SaaS, gaming, travel and online goods, are the first to take USDT and USDC. Gaming is a large segment on its own, so see how a crypto payment gateway for online casinos handles licence and risk rules. Read more about the use cases of crypto payment gateways.

Why Build a Crypto Payment Gateway Using a NOWPayments Clone Script?

Building a crypto payment gateway from scratch means building payment flows, wallets, blockchain monitoring, APIs, plugins, compliance tools and merchant dashboards, then testing and auditing all of it. A NOWPayments clone script follows a proven white label crypto payment gateway design, so you launch faster and spend your budget on merchants, not on rebuilding basics.

Coinsclone’s published timelines for a crypto payment gateway are:

Gateway scope	Typical timeline
Standard gateway (API, plugins, invoices, payouts)	6 to 9 weeks
With automatic conversion and settlement	10 to 14 weeks
With fiat rails through banking partners	4 to 7 months
Multi-region with local licences	7 to 11 months

A ready-made NOWPayments clone script gives you:

• A faster launch with pre-built payment, wallet and merchant modules.
• Tested code built for speed, scale and safety.
• Lower build cost than a from-scratch build.
• Full customisation of branding, fee rules, supported coins, payout logic and workflows.
• Ready APIs and plugins for e-commerce platforms and apps.
• Easy links to outside tools for KYC, reports and rules checks.

With this approach, you can onboard merchants quickly and start earning sooner.

How Much Does a NOWPayments Clone Script Cost?

A white label NOWPayments clone costs about $20,000 to $60,000 in 2026. A custom gateway costs about $40,000 to $100,000, and a gateway built from scratch runs from $100,000 to $300,000 or more. These are market ranges from published 2026 cost guides, and your quote depends on scope.

Build route	Typical cost	Typical timeline	Best for
White label NOWPayments clone	$20,000 to $60,000	6 to 9 weeks with Coinsclone	Startups that want to sign merchants fast
Custom gateway on a clone base	$40,000 to $100,000	10 to 14 weeks with Coinsclone	Conversion, settlement and your own features
From scratch	$100,000 to $300,000+	Several months or more	Large firms with their own payments team

What Drives the Cost?

• Chains and coins: Each new chain needs its own node link, payment watcher and testing.
• Swaps: Auto swaps need market makers and price logic.
• Fiat settlement: Banking partners and KYB add both cost and time.
• Plugins and apps: Each extra e-commerce plugin and the mobile app add work.
• Compliance: KYC/KYB providers, AML screening and the licence itself.
• Security audit: An outside review before launch is worth the spend.

Running costs come on top: node providers, KYC checks per merchant, AML screening, hosting and support. For a full breakdown, see our guide to the cost to develop a crypto payment gateway.

Features of Our NOWPayments Clone Software

Here are the main features of our NOWPayments clone. For a wider list, see our guide to crypto payment gateway features.

Merchant and User Features

• Simple Checkout: A clean payment page that walks the buyer through each step.
• Hundreds of Coins: Accept major coins and stablecoins across many chains.
• Auto Swap: Turn payments into USDT, USDC or a chosen coin to avoid price swings.
• Payment Links and Invoices: Create branded invoices and links to share with customers. Our guide to crypto invoicing shows how merchants bill in USDC and match every payment.
• E-Commerce Plugins: Connect WooCommerce, Shopify and other platforms in minutes.
• Repeat Billing: Bill buyers on a set date each month. See how recurring crypto payments work with stablecoins.
• Mass Payouts: Pay many wallets at once, for affiliates, freelancers or players.
• Point of Sale: Accept crypto in shops with a tablet or phone.
• Wallet Management: Receive, hold and withdraw funds from one dashboard.
• Payment History: See each payment, refund, swap and payout.
• Refunds and Disputes: Raise and track issues with a clear process.
• KYC/KYB Onboarding: Verify merchants when fiat settlement or local rules require it.

Admin Features

• Admin Dashboard: Live data on payments, merchants and revenue.
• Payment Review: Watch and check payments across the platform.
• Coin Management: Turn coins and networks on or off, and set limits.
• Fee Settings: Set processing, conversion and payout fees by merchant or plan.
• API Management: Manage API keys, permissions and rate limits.
• Merchant Review: Check merchants, KYC status and payouts.
• Merchant Plans: Set up plans with their own fees and tools.
• Plugin and POS Management: Manage plugins and POS tools from one panel.
• Dispute Handling: Review and resolve disputes with a full record.
• Branding: Set your own themes, checkout pages and merchant screens.

Security Features

• Encryption: Private data and wallet keys stay locked, both stored and in transit.
• AML Screening: Payments are checked against risk and sanctions data.
• DDoS and Bot Shields: Firewalls keep the gateway online during attacks.
• Access Rules: IP, device and place limits for risky actions.
• Fraud Alerts: Warnings on odd payment patterns.
• Signed Webhooks: Merchants can verify that every status update really came from your gateway.
• Admin Roles: Each team member sees only the tools they need.
• On-Chain Checks: The gateway checks each payment on the chain before it marks it paid.

For more on protecting a gateway, read our tips to develop a secure crypto payment gateway.

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Add-On Modules for Our NOWPayments Clone Script

Add these modules to fit your market:

• Bank Payouts: Pay merchants in local cash through bank partners.
• Stablecoin Checkout: A USDT and USDC-first checkout for global merchants.
• Crypto Plans: Monthly billing for SaaS and member clubs.
• Telegram Payments: Let merchants take USDT and TON inside a bot. Here is how to accept crypto payments in a Telegram bot.
• Donation Widgets: For creators and non-profits.
• Rewards: Add points or cash back to payments.
• Merchant App: Track payments and payouts on the go.
• Custody Module: Hold funds for merchants who want a custodial account, where licensed.

Our team will help you pick the right modules for your merchants and your region.

How Does a NOWPayments Clone Script Work?

A NOWPayments-style gateway sits between the customer who pays and the merchant who gets paid. The merchant never has to handle blockchains directly.

1. Invoice: The merchant creates a payment through the API, a plugin such as WooCommerce, a payment link or a POS screen.
2. Payment: The customer picks a coin, and the gateway shows a unique deposit address and the exact amount.
3. Detection: The gateway watches the blockchain and marks the payment as confirmed once the network confirms it.
4. Swap: If the merchant wants a set coin, such as USDT, the gateway swaps it on its own.
5. Settlement: Funds go to the merchant’s wallet, or to a bank account through a licensed fiat partner.
6. Notification: The gateway sends a signed webhook, so the merchant’s store updates the order.

The gateway charges its fee on each payment, and network fees apply on-chain.

Payment Problems Your Gateway Must Handle

Real payments do not always match the invoice. Plan for these cases from day one:

• Partial payments: The customer sends less than the invoice, often because an exchange took a fee. Mark it “partially paid” and let the merchant accept it or ask for the rest.
• Minimum amounts: Very small payments can cost more in network fees than they are worth, so set a minimum per coin.
• Wrong network: A customer sends USDT on the wrong chain. Clear network labels at checkout prevent most of these.
• Expired invoices: Lock the exchange rate for a set time, then refresh it if the customer pays late.
• Refunds: Send refunds on-chain to an address the customer confirms.

How to Launch a Crypto Payment Gateway Like NOWPayments

1. Pick your merchants and regions: E-commerce, gaming, SaaS or travel, and the countries you will serve. This decides your licences and your coin list.
2. Check the rules: Most large markets require a registration or licence for crypto payment services, and fiat settlement usually needs a licensed partner.
3. Choose coins and networks: Start with BTC, ETH, USDT and USDC on low-fee networks, then add more as merchants ask.
4. Set your fees: Decide your processing, conversion and payout fees, and how volume discounts will work.
5. Customise the clone: Add your brand, checkout design, plugins and dashboards.
6. Connect partners: Node providers, liquidity for conversion, KYC/KYB and fiat banking partners.
7. Test and audit: Test every payment status, refund and webhook on test networks, then run a security review.
8. Onboard merchants: Start with a few merchants, offer launch pricing and grow through plugins and referrals.

The detailed guide on how to create a crypto payment gateway walks through each step.

Crypto Payment Gateway Fees: What Merchants Pay

Merchants compare gateways mostly on fees. Here is what a merchant pays on a $100 payment at the entry rate of well-known options, compared with a card payment:

Two lessons for your gateway:

• You can undercut cards easily. A 1% crypto fee is about a third of a standard US card fee of 2.9% plus 30 cents.
• The headline fee is not the whole cost. Network fees, conversion spreads and fiat payout fees can add a lot. Clear, all-in pricing wins merchant trust.

The market has also moved up. CoinPayments now charges new accounts 3% on coins such as BTC and ETH, which leaves room for a new gateway priced at 0.5% to 1%.

What You Get: NOWPayments Clone Deliverables

Merchant Dashboard and Checkout

A branded web dashboard where merchants create invoices, links and API keys, track payments, and request payouts, plus a hosted checkout page for their customers.

NOWPayments Clone App (Android and iOS)

A branded mobile app so merchants can take payments, check balances, send invoices and manage payouts on the go.

Admin Panel

A full control panel for your team to manage merchants, fees, coins, compliance checks, disputes and reports.

APIs, Plugins and SDKs

A documented REST API, signed webhooks, and ready plugins for WooCommerce, Shopify and other platforms, so merchants can connect in minutes. See how merchants integrate a crypto payment gateway.

White Label NOWPayments Clone Script

The complete platform under your brand: admin panel, merchant dashboards, wallet system, APIs, plugins and security, customised to your fees, coins and markets.

Why Our NOWPayments Clone Script Pays Off

• Faster, cheaper launch: Start from finished modules and pay only for customisation.
• Proven technology: The core payment flow is already tested.
• Full customisation: Change the design, fees, coins and workflows.
• Choose your add-ons: Pick modules that match your merchants.
• Ready for the rules: KYC/KYB and AML tools help you meet local law.
• Merchants stay: Plugins, payouts and reports keep them on your platform.
• Room to grow: APIs let you serve new trades and partners.

If you want to compare other models, see our list of the top crypto payment gateway clone scripts.

How a Payment Gateway Like NOWPayments Makes Money

A payment gateway earns on each payment, so the income is steady and repeats. The main revenue streams are:

• Processing fees: A percentage of each payment, often 0.5% to 1%.
• Conversion fees: An extra fee, or a small spread, when you convert coins.
• Payout and withdrawal fees: For mass payouts and settlements.
• Fiat settlement fees: When merchants cash out to a bank account.
• Merchant plans: Monthly plans with lower fees or premium features.
• API and plugin charges: For high-volume API use or premium plugins.
• Premium support: Dedicated account managers for large merchants.

As a simple example, a gateway that processes $5 million a month at an average fee of 0.8% earns about $40,000 a month, or $480,000 a year, before any extra services.

NOWPayments vs CoinPayments vs BitPay: Which Model Should You Clone?

Each well-known gateway suits a different kind of firm:

Gateway model	Custody	Headline fee (Oct 2026)	Best for
NOWPayments	Merchant wallet by default, optional custody	1%, lower at volume	Online merchants who want many coins and plugins
CoinPayments	Custodial merchant wallets	3% on coins, 1% on tokens (new platform)	Merchants who want to hold funds in the gateway
BitPay	Custodial, strong fiat settlement	2% + $0.25 below $500,000 a month	Larger merchants who want to be paid in fiat

A NOWPayments model is the easiest to launch, because the gateway does not hold merchant funds for long. A BitPay model needs banking partners and licences from the start. If one of the other models fits you better, see our CoinPayments clone script and BitPay clone script pages, or our list of the top crypto payment gateways.

Stablecoins Are Changing Crypto Payments

Most merchants do not want price risk. That is why stablecoins such as USDT and USDC now lead crypto checkout. Stripe added stablecoin payments at 1.5%, and in the United States, the GENIUS Act of July 2025 created clear rules for payment stablecoins. For a new gateway, this means:

• Offer stablecoin checkout first: It is what most merchants will ask for.
• Support cheap networks: TRON, Solana, Base and Polygon keep fees low for customers.
• Auto-convert to stablecoins: Let merchants accept any coin but settle in USDT or USDC.

For a deeper look at the settlement side, read our guide to the stablecoin payment gateway.

Tech Stack of Our NOWPayments Clone

• Front end: React and TypeScript for the checkout, merchant dashboard and admin panel.
• Mobile apps: React Native or Flutter for Android and iOS.
• Back end: Node.js or Go services for payments, webhooks and payouts, with PostgreSQL and Redis.
• Blockchain layer: Our own node connections or trusted node providers for Bitcoin, EVM chains, TRON and Solana, with block watchers that detect payments in real time.
• Wallets and keys: HD wallets that make a fresh deposit address for each payment, with hot and cold wallets kept apart and optional MPC to guard keys.
• Swaps: Links to exchanges and market makers that swap coins to USDT or USDC on their own.
• Plugins: WooCommerce, Shopify and other e-commerce plugins, plus SDKs for common languages.
• Hosting: Cloud servers that grow with load, with alerts, backups and DDoS shields.

Why Choose Coinsclone for Your NOWPayments Clone?

Coinsclone is a crypto payment gateway development company that has been building since 2018 and has delivered more than 350 blockchain platforms for over 200 clients across 20 industries. We build gateways like NOWPayments with many chains, coin swaps, payouts, plugins and KYC tools, and we stay with you after launch. You can book a free live demo of the gateway, with checkout, settlement and the merchant dashboard, before you commit.

Frequently Asked Questions

What is a NOWPayments clone script?

It is ready-made software that copies what NOWPayments does: many coins, invoices, plugins, swaps and payouts. You use it to launch your own crypto payment gateway.

How much does a NOWPayments clone script cost?

A white label NOWPayments clone costs about $20,000 to $60,000 in 2026. A custom gateway costs about $40,000 to $100,000, and a from-scratch build $100,000 to $300,000 or more.

How long does it take to launch a NOWPayments clone?

With Coinsclone, a standard gateway takes about 6 to 9 weeks, and a gateway with conversion and settlement about 10 to 14 weeks. Fiat rails and multi-region licensing take longer.

Can I see a NOWPayments clone demo?

Yes. Coinsclone offers a free live demo of its crypto payment gateway, covering the checkout, settlement and merchant dashboard. NOWPayments itself also runs a sandbox where developers can test its API without real funds.

What fees does NOWPayments charge?

NOWPayments lists a 1% service fee in October 2026, with loyalty discounts at higher volume and network fees on top. Mass payouts carry only the network fee. Your clone can set its own fee structure.

Does NOWPayments have an exchange?

Not a separate one for merchants. NOWPayments is linked to the ChangeNOW exchange group, and its site says its zero-fee mass payouts are powered by ChangeNOW. Merchants convert coins inside the gateway, through auto-conversion, rather than on a trading screen. A NOWPayments clone gets the same result by linking to exchanges and market makers.

Is it better to use NOWPayments or run your own gateway?

It depends on whether you need a payment button or payment infrastructure. A February 2026 r/PaymentProcessing thread put it this way: a hosted gateway is fine for small stores, while larger volumes call for your own infrastructure and control over funds. Running your own gateway also lets you serve the markets NOWPayments excludes and keep the fees.

What features are must-haves for a crypto payment gateway?

A developer building a gateway asked this on r/indiehackers in August 2025. The core list is payment links and an API, webhooks with retry logic, multi-coin support with live rates, a test mode, payouts, role-based team access and AML screening. Our NOWPayments clone ships all of these.

Can merchants receive fiat instead of crypto?

Yes, through a licensed settlement partner. The gateway swaps the crypto to USDT, USDC or cash and pays the merchant’s bank, most often after a business check (KYB). Fiat settlement adds banking partners and compliance, so it takes longer to launch than crypto-only payouts.

Can a NOWPayments clone accept USDT on TRON?

Yes. USDT on TRON (TRC-20) is one of the most used payment rails because transfers are fast and cheap. A NOWPayments clone can add it next to USDT and USDC on Ethereum, BNB Chain, Solana and more, and let merchants pick the coin they get paid in.

What cryptocurrencies does the NOWPayments clone support?

It supports major coins and stablecoins such as BTC, ETH, USDT and USDC across popular networks, and you can add more coins and chains based on your markets.

Is the NOWPayments clone script secure?

Yes. It uses encryption, AML screening, DDoS protection, signed webhooks and role-based admin access, and it is tested before launch. You can add a third-party audit for extra assurance.

How do merchants integrate the gateway?

Through a REST API with signed webhooks, e-commerce plugins such as WooCommerce and Shopify, payment links, invoices and POS tools.

How are refunds and disputes handled?

Customers and merchants raise disputes from their dashboards, and your admin team reviews and resolves them with the full payment record. Refunds are sent on-chain.

What reports are available?

Merchants see every payment, conversion, refund and payout, with filters and exports. Admins get platform-wide reports on volume, fees and merchants.

Who can use a NOWPayments clone?

Startups that want to run a payment gateway, exchanges and wallets that want to add merchant services, and businesses in e-commerce, gaming, SaaS and travel that want their own crypto checkout.