Nowpay Finance — Accept USDT Payments Globally — Without the Complexity

Nowpay
Nowpay · Non-custodial USDT gateway

Accept USDT Payments Globally — Without the Complexity

The non-custodial crypto payment gateway for USDT on Polygon, BSC, Arbitrum, Optimism, and Base. Low fees, instant settlements, zero chargebacks.

View API Docs
  • No chargebacks
  • 5 chains
  • < 3s webhooks
  • 2FA secured
Supported networks
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BSC
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Polygon
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Arbitrum
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Optimism
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Base
2,500+Merchants onboarded
$48M+Processed in 2025
5EVM chains supported
Hosted checkout
Acme Store
Waiting for payment
Total due≈ $129.50
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129.50
USDT · BSC
Pay with
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BNB · USDT
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eth icon
eth icon
eth icon
+4 chains
1Scan
2Confirm
3Done
Instant settlementNon-custodialFrom 0.5% fee
Why teams switch

Features

Six pillars of the Nowpay gateway — built for merchants who need final settlement, multi-chain reach, and zero counterparty risk.

Headline capability
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API integration

RESTful API for invoice creation. Idempotency keys, signed HMAC webhooks, and real-time socket.io events. Build in any language.

POST /v1/invoices
curl -X POST https://api.nowpay.finance/v1/invoices \
  -H "Authorization: Bearer sk_live_…" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "129.50",
    "network": "bsc",
    "external_id": "order_7421"
  }'
  • One endpoint, five EVM chains
  • Idempotency keys + HMAC-signed webhooks
  • Sub-3s average invoice creation
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matic icon
eth icon
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Multi-chain USDT

Accept USDT on 5 EVM networks — BSC, Polygon, Arbitrum, Optimism, and Base. One integration, multiple chains.

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Hosted checkout

Branded payment pages at /i/{invoiceId} with QR codes, live socket.io status, MetaMask deep links, and per-network safety warnings. No coding required.

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Instant settlements

Funds are credited to your merchant balance as soon as the on-chain payment confirms — no manual reconciliation, no waiting periods.

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Payouts

Send USDT to any wallet from your merchant balance. 2FA approval, saga-based execution, automatic retry on transient RPC failures.

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Zero chargebacks

Crypto payments are irreversible. Once a payment confirms on-chain, it cannot be reversed — eliminating chargeback fraud entirely.

Who is it for

Accept USDT payments in any industry

From e-commerce checkouts to trading-platform deposits, Nowpay adapts to wherever USDT needs to move.

E-commerce

Drop-in hosted checkout for online stores — QR + wallet deep links, instant settlement, no chargeback risk.

Gaming

Accept USDT for in-game purchases, season passes and DLCs without card-network holds or payout delays.

SaaS

Invoice-based billing for subscriptions and top-ups — webhooks sync payment status back into your billing engine.

Marketplaces

Multi-vendor payouts via a single USDT balance — saga-based execution keeps every transfer auditable.

Trading platforms

Deposit and withdraw flows denominated in USDT across 5 EVM chains — non-custodial by design.

Creators

Monetise with tip jars, pay-per-post and gated content — funds land in your wallet the moment the chain confirms.

Three steps

How it works

From invoice creation to settled balance in three movements. No middlemen, no waiting on a card network.

1

Create an Invoice

Generate a payment invoice via API or dashboard. Get a unique deposit address in seconds.

Create invoice (cURL)
curl -X POST https://api.nowpay.finance/v1/invoices \
  -H "Authorization: Bearer sk_live_…" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "129.50",
    "network": "bsc",
    "external_id": "order_7421"
  }'
2

Customer Pays

Your customer sends USDT to the deposit address. We monitor the blockchain 24/7.

Chain watcher
// blockchain watcher — polling mempool
→ block #43,218,901  •  0x9a…f2c1
→ 1/12 confirmations  •  +129.50 USDT
→ invoice inv_abc123 credited  ✓
3

Receive Funds

Confirmed payment credits your balance instantly. Withdraw or swap anytime.

Webhook payload
// POST → https://your-shop.com/hooks
{
  "event": "invoice.finished",
  "invoiceId": "inv_abc123",
  "amount": "129.50",
  "network": "bsc"
}
By the numbers

Why teams choose Nowpay

Built for merchants who need final settlement, multi-chain reach, and zero counterparty risk — without compromise.

0.0%
Starting fee per transaction
0
EVM chains supported
<0s
Average invoice creation
24/7
Blockchain monitoring
Supported assets

Supported assets

Nowpay settles every payment in USDT across five EVM networks, with native gas tokens auto-tracked per chain.

Primary
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USDT
Tether

The stablecoin of choice. Accepted natively on BSC, Polygon, Arbitrum, Optimism and Base.

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BNB
BNB Smart Chain gas

Gas token of the BSC network. Lowest fees for high-volume merchants.

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POL
Polygon PoS gas

Gas token of Polygon PoS (formerly MATIC). Rebranded, same asset, same icon.

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ETH
Arbitrum / Optimism / Base gas

Shared gas token across three L2s. One balance, three networks.

Soon
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BTC
Bitcoin

Coming soon. Native BTC settlement is on the roadmap for the next major release.

Pricing

Simple, transparent pricing

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No monthly fees
Pay-in fee
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1.5%
per transaction
Get started
Most popular
Payout fee
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1.5%
per transaction
+ network gas
Get started
Swap fee
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0.5%
per transaction
Get started

Custom rates for high volume

Doing more than $50k / month in pay-in or payout volume? Reach out — we offer reduced fees and dedicated infrastructure.

Contact sales

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  • No monthly fees
  • No monthly fees
  • No setup fees
  • No minimum volume
Get started

Ready to accept USDT payments?

Start in minutes. No setup fees, no monthly costs — pay only per transaction.

  • Live in under 10 minutes
  • No monthly fees
  • Cancel anytime
Talk to us