Payora vs NOWPayments: a 0%-to-accept alternative
NOWPayments is a custodial-leaning hosted processor. If you want to keep custody of your funds and pay 0% to accept, here is how Payora compares.
How Payora compares to NOWPayments
The short version: Payora is 0% to accept, with scoped keys and per-endpoint webhook secrets you rotate yourself.
Where NOWPayments typically leaves you with a per-transaction fee and a single per-account IPN secret with no per-endpoint routing, Payora is software you run yourself — so the settlement path has no third party, and acceptance is free.
| — | Payora | NOWPayments |
|---|---|---|
| Custody of funds | 0% to accept | Typically custodial |
| Fee to accept | 0% | Per-transaction % |
| Hosting | Nothing to install | Managed service |
| Coins / networks | 50 across 22 networks | Varies |
| Webhook signing | HMAC-SHA256, per-endpoint secret | Varies |
| CMS modules | 22 included | Varies |
Is Payora right for you?
If you value custody, low fees and control, and you can spend an hour on setup, Payora is the stronger fit. If you want a fully managed service and don't mind custody or per-transaction fees, NOWPayments may suit you. Many teams migrate to Payora specifically to stop paying to accept and to remove custody risk.
Try the NOWPayments alternative — free
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