Both are crypto payment gateways with direct-to-wallet settlement. The key difference: Bitoshi also accepts ordinary card payments and converts them to stablecoins, so you capture buyers who don't hold crypto — while NOWPayments focuses on crypto-first acceptance across a very large coin list.
| Bitoshi | NOWPayments | |
|---|---|---|
| Card payments → stablecoins | Yes, core feature | Limited / crypto-first |
| Custody model | Non-custodial, to your wallet | Non-custodial |
| Settlement asset | USDC / USDT | Many coins |
| Coin list breadth | Focused (stablecoins + majors) | Very broad (100s) |
| Platform commission | From 0.90% | ~0.5% (verify on their site) |
| Hosted checkout, links, invoices | Yes | Yes |
Competitor details change over time — verify current fees and features on their site.
The main difference: cards
If most of your buyers don't already hold crypto, a crypto-only checkout loses them. Bitoshi takes their card and still settles you in stablecoins. NOWPayments' strength is breadth of coins for a crypto-native audience.
Where NOWPayments may be the better fit
If you specifically need to accept a very long tail of cryptocurrencies for a crypto-native customer base, NOWPayments' coin coverage is broader. Verify current fees and features on their site — details change over time.