NOWPayments

NOWPayments is a crypto payment gateway that enables businesses to accept 300+ cryptocurrencies, create payment invoices, process recurring subscriptions, and manage merchant mass payouts. Founded in 2019, the platform processes over 30 million transactions monthly with 99.99% uptime and supports automatic coin conversion and fiat settlements.

NOWPayments publishes 8 APIs on the APIs.io network, including Mass Payouts API, Authentication API, Currencies API, and 5 more. Tagged areas include Crypto Payments, Cryptocurrency, Payment Gateway, Invoicing, and Subscription.

The NOWPayments catalog on APIs.io includes 1 Spectral governance ruleset.

NOWPayments’ developer surface includes authentication, engineering blog, pricing, sandbox, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

36.1/100 thin ▬ flat Agent 25/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessPaid

1 APIs

Crypto Payments Cryptocurrency Payment Gateway Invoicing Subscription Mass Payouts Bitcoin Ethereum

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 36.1/100 · thin

Contract Quality 11.0 / 19

Developer Ergonomics 6.3 / 15

Access Clarity 5.9 / 15

Operational Transparency 0.0 / 10

Contract Governance 0.9 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/now-payments: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

NOWPayments Mass Payouts API

Bulk cryptocurrency payout API enabling merchants to initiate thousands of transactions to different addresses in a single API call. Designed for payroll, affiliate rewards, and...

NOWPayments Recurring Payments API

Subscription-based recurring crypto billing API that automates payment flows for SaaS and membership platforms, allowing merchants to charge customers on scheduled intervals in ...

NOWPayments Custody API

Fund custody management API enabling limitless off-chain operations, sub-account creation, and controlled fund management for B2B flows and platform operators managing multiple ...

NOWPayments Authentication API

JWT authentication for mass payouts

NOWPayments Currencies API

Supported cryptocurrency listings

NOWPayments Estimates API

Price estimation and minimum amounts

NOWPayments Invoices API

Invoice creation for crypto payments

NOWPayments Payments API

Payment creation and management

NOWPayments Payouts API

Mass payouts and balance management

NOWPayments Status API

API health and availability

Scroll for all 10

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

NOWPayments Authentication API

OPEN COLLECTION

NOWPayments Authentication Currencies API

OPEN COLLECTION

NOWPayments Authentication Estimates API

OPEN COLLECTION

NOWPayments Authentication Invoices API

OPEN COLLECTION

NOWPayments Authentication Payments API

OPEN COLLECTION

NOWPayments Authentication Payouts API

OPEN COLLECTION

NOWPayments Authentication Status API

OPEN COLLECTION

Scroll for all 8

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

NOWPayments API Rules

5 rules · 4 warnings 1 info

SPECTRAL

JSON Schema 3

Standalone JSON Schema definitions for this provider's data models.

Invoice

12 properties

JSON SCHEMA

Payment

16 properties

JSON SCHEMA

Payout

4 properties

JSON SCHEMA

Examples 3

Example request and response payloads for these APIs.

Create Invoice

4 fields

EXAMPLE

Create Payment

4 fields

EXAMPLE

Mass Payout

4 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Now Payments Authentication

apiKey/http · 2 schemes

SECURITY

Now Payments Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Now Payments Agentic Access

12 operations · 4 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

PostmanCollection

PostmanCollection

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Contact

Contact

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Email

Source (apis.yml)

name: NOWPayments
description: NOWPayments is a crypto payment gateway that enables businesses to accept 300+ cryptocurrencies, create payment
  invoices, process recurring subscriptions, and manage merchant mass payouts. Founded in 2019, the platform processes over
  30 million transactions monthly with 99.99% uptime and supports automatic coin conversion and fiat settlements.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
specificationVersion: '0.23'
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/now-payments.png
url: https://raw.githubusercontent.com/api-evangelist/now-payments/refs/heads/main/apis.yml
version: '0.19'
created: '2026-06-13'
modified: '2026-06-13'
tags:
- Crypto Payments
- Cryptocurrency
- Payment Gateway
- Invoicing
- Subscription
- Mass Payouts
- Bitcoin
- Ethereum
tags_raw:
- Crypto Payments
- Cryptocurrency
- Payment Gateway
- Invoicing
- Subscriptions
- Mass Payouts
- Bitcoin
- Ethereum
apis:
- name: NOWPayments Mass Payouts API
  description: Bulk cryptocurrency payout API enabling merchants to initiate thousands of transactions to different addresses
    in a single API call. Designed for payroll, affiliate rewards, and mass distribution. No service fees — only blockchain
    network fees apply.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://nowpayments.io/api/mass-payments
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Mass Payouts
  - Payroll
  - Bulk Payments
  - Cryptocurrency
  properties:
  - type: Documentation
    url: https://nowpayments.io/api/mass-payments
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  contact:
  - FN: NOWPayments Partnerships
    email: partners@nowpayments.io
    url: https://nowpayments.io/api/mass-payments
- name: NOWPayments Recurring Payments API
  description: Subscription-based recurring crypto billing API that automates payment flows for SaaS and membership platforms,
    allowing merchants to charge customers on scheduled intervals in cryptocurrency.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://nowpayments.io/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Subscription
  - Recurring Payments
  - Billing
  - Cryptocurrency
  tags_raw:
  - Subscriptions
  - Recurring Payments
  - Billing
  - Cryptocurrency
  properties:
  - type: Documentation
    url: https://nowpayments.io/api
  contact:
  - FN: NOWPayments Support
    email: support@nowpayments.io
    url: https://nowpayments.io/help
- name: NOWPayments Custody API
  description: Fund custody management API enabling limitless off-chain operations, sub-account creation, and controlled fund
    management for B2B flows and platform operators managing multiple merchant wallets.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://nowpayments.io/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Custody
  - Fund Management
  - Subaccounts
  - Cryptocurrency
  tags_raw:
  - Custody
  - Fund Management
  - Sub-accounts
  - Cryptocurrency
  properties:
  - type: Documentation
    url: https://nowpayments.io/api
  contact:
  - FN: NOWPayments Partnerships
    email: partners@nowpayments.io
    url: https://nowpayments.io/api
- aid: now-payments:now-payments-authentication-api
  name: NOWPayments Authentication API
  description: JWT authentication for mass payouts
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/now-payments-authentication-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-currencies-api
  name: NOWPayments Currencies API
  description: Supported cryptocurrency listings
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Currency
  tags_raw:
  - Currencies
  properties:
  - type: OpenAPI
    url: openapi/now-payments-currencies-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-estimates-api
  name: NOWPayments Estimates API
  description: Price estimation and minimum amounts
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Estimates
  properties:
  - type: OpenAPI
    url: openapi/now-payments-estimates-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-invoices-api
  name: NOWPayments Invoices API
  description: Invoice creation for crypto payments
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/now-payments-invoices-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-payments-api
  name: NOWPayments Payments API
  description: Payment creation and management
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/now-payments-payments-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-payouts-api
  name: NOWPayments Payouts API
  description: Mass payouts and balance management
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/now-payments-payouts-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
- aid: now-payments:now-payments-status-api
  name: NOWPayments Status API
  description: API health and availability
  humanURL: https://nowpayments.io/help/api
  baseURL: https://api.nowpayments.io/v1
  tags:
  - Status
  properties:
  - type: OpenAPI
    url: openapi/now-payments-status-api-openapi.yml
  - type: Documentation
    url: https://nowpayments.io/help/api
  - type: PostmanCollection
    url: https://documenter.getpostman.com/view/7907941/S1a32n38
  - type: Sandbox
    url: https://api.sandbox.nowpayments.io/v1
common:
- type: AgenticAccess
  url: agentic-access/now-payments-agentic-access.yml
- type: DomainSecurity
  url: security/now-payments-domain-security.yml
- type: Authentication
  url: authentication/now-payments-authentication.yml
- type: Website
  url: https://nowpayments.io
- type: DeveloperPortal
  url: https://nowpayments.io/help/api
- type: Blog
  url: https://nowpayments.io/blog
- type: Pricing
  url: https://nowpayments.io/pricing
- type: Sandbox
  url: https://sandbox.nowpayments.io
- type: PostmanCollection
  url: https://documenter.getpostman.com/view/7907941/S1a32n38
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/now-payments/refs/heads/main/plans/plans.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/now-payments/refs/heads/main/rate-limits/rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/now-payments/refs/heads/main/finops/finops.yml
- type: TermsOfService
  url: https://nowpayments.io/terms
- type: PrivacyPolicy
  url: https://nowpayments.io/privacy
- type: Contact
  url: https://nowpayments.io/contacts
- type: Email
  url: mailto:support@nowpayments.io
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/now-payments"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/now-payments/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/now-payments/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.