Coinvay fits a direct-wallet, no-conversion invoice flow. NOWPayments offers additional flow choices including optional custody and conversion-related services. Compare the precise configuration you would use, not just the provider names.
Published by Coinvay. Provider facts were checked against official sources on 27 October 2026. Availability, fees and terms can change. Coinvay’s 0% invoice commission excludes blockchain fees and optional merchant plans.
Select the payment flow before comparing fees
NOWPayments' current main pricing page displays a 1% service-fee headline. Its help materials describe both non-custodial and optional custodial flows. Older pages and some current help sections give different figures for particular flow types, so request confirmation of your configuration's charges rather than relying on an old 0.5% comparison. Sources were checked on 27 October 2026.
Coinvay currently deducts 0% commission from invoice transfers. Optional merchant plans, limits and blockchain fees still apply. Its standard model receives the customer's selected supported asset in the merchant wallet, without a built-in promise of automatic currency conversion.
| Area | Coinvay | NOWPayments |
|---|---|---|
| Receipt approach | Direct wallet, without automatic conversion | Direct-payment and optional custody/conversion products |
| Pricing reference | 0% invoice commission; plans separate | Pricing-page headline 1%; confirm flow-specific quote |
| Decision question | Will you keep the received asset? | Do you need its additional funds-management flows? |
Compare the job you need the gateway to perform
If your business wants to accept one asset and receive another, conversion is a genuine product requirement. Ask how quotes, minimum amounts, network costs and exceptions behave in that specific route. Do not compare a conversion service with direct receipt as though both produce the same result.
If you intend to keep the asset customers pay, prioritize accurate checkout instructions, verified receipt status and reliable order fulfillment. Coinvay's sandbox can help inspect checkout behavior using Base Sepolia test ETH or USDC, but that test does not prove that an unrelated mainnet asset or conversion route works.
A hypothetical service agency's test
Consider a hypothetical agency invoicing international clients. One client wants to pay Bitcoin while the agency wants to retain USDC; another is comfortable paying USDC directly. The agency should evaluate those as two separate payment requirements and record the final receipt asset and total charges for each route.
Coinvay may suit the second scenario when the chosen network is supported and configured. The first requires a separate conversion arrangement or a provider offering that route. This distinction produces a more useful decision than declaring every multichain gateway interchangeable.
Practical checklist
- Write down the customer payment asset and desired merchant receipt asset.
- Confirm current service fees for the exact NOWPayments flow.
- Include network costs, minimums and optional merchant plans.
- Test delayed, expired and incorrect-amount payments before launch.
Common questions
Should I use the old 0.5% NOWPayments figure?+
Not without checking the current terms for your chosen flow. The main pricing page reviewed for this article displays a different service-fee headline, and detailed help sections require careful interpretation.
Does Coinvay exchange received coins automatically?+
Its standard invoice flow receives the selected crypto directly in your wallet. Do not assume a currency-conversion service is included.
Sources and further reading
Primary references and Coinvay product documentation. Check the linked pages for current details.
AI-assisted drafting, published by Coinvay. Examples are illustrative. Read our editorial approach.