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NOWPayments Integration Guide

Updated

Here is our basic step-by-step integration guide, which should help you with your first steps:

  1. Register an account on NOWPayments.io
  2. Add a payout wallet in Dashboard > Settings > Payments > Payout wallets
  3. Generate your API key in Dashboard > Settings > Payments > API keys
  4. Activate Custody (if applicable) in Dashboard > Custody(Custody allows you to save on network fees for payouts and keep your funds in our system until you decide to withdraw them. Find more about our Custody feature in this article).

    • If Custody is activated Set the network fee settings for withdrawals Dashboard > Settings > Payments > Withdrawal fee paid by > Sender/Receiver

      • If set to Sender , network fees will be deducted from the Custody balance If set to Receiver , network fees will be deducted from the payout amount
  5. Set the right base currency Dashboard > Settings > Payments > Payment details > Base currency(Base currency is the currency in which the price is displayed).
  6. Integrate one of our payment solution
  7. Generate an IPN secret key for callbacks Dashboard > Settings > Payments > Instant payment notifications
  8. Set up IPN according to the guide in the API documentation > Instant Payment Notifications section)

Our safety measures include:

  1. IP address whitelisting: by activating this feature, you make sure that payouts can be initiated only from the predefined IP addresses. The feature is enabled by default, you can whitelist your IP addresses in Dashboard > Settings > Payments > IP addresses
  2. Wallet address whitelisting allows to issue payouts only to the whitelisted wallet addresses. The feature is enabled by default, you can whitelist your wallet addresses in Dashboard > Маss Payouts > Whitelist my addresses
  3. 2FA: with this feature activated, each payout will need to be confirmed with code sent to your registration email. The feature is enabled by default.

To disable any of the features above, please send an email to whitelist@nowpayments.io stating: “I’d like to disable [IP address whitelisting/wallet address whitelisting/2FA on payouts], and I take all the risks related to it”. 

More about whitelisting you can find in this article 

Enable additional features for your integration

  • Fixed rate

    Helps to avoid market volatility by freezing the rate for 20 minutes: during this period, the user needs to send the deposit. Service fee for fixed rate payments is 1%. enabled when the payment is created

  • Fee paid by user

    Delegates all the service and network fees for the payment to the user. enabled when the payment is created

  • Network fee optimization:

    Network fees vary from coin to coin. Among your wallets, a payment picks the most suitable one and undergoes a conversion resulting in the lowest network fee in total. Dashboard > Settings > Payments > Payment details > Network fee optimization

  • Payment markup

    Allows to set a markup percentage over the initial price, from 0% to 10%. Example: if you set the price to $100 and the payment markup to 10%, the price for the user will be $110. Dashboard > Settings > Payments > Payment details > Payment markup

  • Payment covering

    Allows to set a markup percentage over the initial price, from 0% to 10%. Example: if you set the price to $100 and the payment markup to 10%, the price for the user will be $110. Dashboard > Settings > Payments > Payment details > Payment markup

  • Extra deposits auto processing:

    Allows to automatically process all payments sent in the wrong network/asset with the current rate.

    For example, if a user mistakenly sends USDT TRC20 instead of USDT ERC20, the deposit will be instantly converted to the expected currency (USDT ERC20) and sent to the merchant’s wallet or balance.

    Dashboard > Settings > Payments > Payment details > Extra deposits auto processing

  • My team

    Allows you to add your team members and customize their access to the main account Please note: your team members need to have a NOWPayments account to be added. Dashboard > Settings > Account > My Team

Fiat on-ramp

 Allows to receive fiat deposits from your customers and have them converted to any crypto of your choice and sent to your wallet/Custody balance.

Please note: the feature is available only through API, invoices, Shopify and WooCommerce plugins.

To activate the feature:

  1. Choose one of the three available providers
  2. Fill out a KYB form on the relevant provider’s page from your NOWPayments account
  3. When the KYB is approved, we will activate fiat currencies for your account; this will not affect your integration in any way

Fiat off-ramp (note: requires Custody)

Allows you to withdraw your profits in fiat through our provider TransFi.

To activate the feature:

  1. Read and accept the provider’s conditions
  2. Fill out a KYB form on the provider’s page
  3. When the KYB is approved, we will activate the feature for your account
  4. Convert your Custody balance to USDTTRC20
  5. Request a fiat withdrawal from your NOWPayments account in Dashboard > Settings > Fiat operations > Off-ramp
  6. Or through the API

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