As a crypto API provider, researching what other providers build is part of our job. This comparison gives NOWPayments credit where it is due and states the limits we could verify.
We used public product pages, developer documentation, support pages, and regulator information available on 14 August 2026. We did not test NOWPayments through a production account. Products, prices, and coverage can change.
Overview
Choose NOWPayments for broad crypto asset support, plugins, subscriptions, recurring payments, and global merchant tools. Choose Breet when the business wants a managed route from customer crypto to stablecoins, USD, NGN, or GHS.
Breet vs NOWPayments at a Glance
| Decision Point | Breet | NOWPayments |
|---|---|---|
| Best for | Direct crypto-to-NGN or GHS bank settlement | Global crypto payments with broad asset and tool coverage |
| Public asset coverage | 12+ deposit assets | 300+ assets |
| Transaction service fee | Volume-based transaction fee; no setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto | 0.5% without exchange; 1% for multi-currency and fixed-rate payments |
| Direct NGN bank settlement | Yes | Not confirmed in current public sources |
| Direct GHS bank settlement | Yes | Not confirmed in current public sources |
| Hosted and low-code tools | API and business dashboard | Plugins, invoices, links, widgets, buttons, and point of sale |
| Custody model | Managed payment flow with customer addresses | Non-custodial by default, with optional custody |
| Recurring billing | Not presented as a core public API feature | Yes |
| Payment recovery | Certain supported-asset mismatches on Breet-generated addresses | Eligible supported wrong-asset and wrong-network deposits when enabled |
| Sandbox and notifications | Yes | Yes |
The Main Product Difference
NOWPayments is a global toolkit for payment acceptance, mass payouts, custody, customer accounts, recurring payments, fiat operations, plugins, invoices, and point of sale.
Breet focuses on one route: create a customer address, receive one of 12+ assets, convert it, and settle the value to an NGN or GHS bank. NOWPayments offers more tools. Breet offers a shorter local bank path.
- Transaction pricing
Breet: Breet charges one transaction fee based on transaction volume. The rate is shared during onboarding and is structured to grow with the business. Breet does not charge setup, monthly, gas, wallet-sweeping, or other separate fees.
NOWPayments: NOWPayments publishes a 0.5% service fee when the merchant receives the same asset that the customer pays. It lists 1% for multi-currency payments that require exchange, fixed-rate payments, and some fee settings.
Decision: The two products can end in different settlement methods. Compare matched quotes for the same customer asset, conversion, destination currency, bank route, volume, and final amount received.
- Crypto Asset Coverage
Breet: Breet supports 12+ major assets across several networks, with live availability in its assets endpoint. Breet can be enough for major coins and stablecoins.
NOWPayments: For businesses that require this capability, NOWPayments's broader scope may be relevant. NOWPayments is better for long-tail demand.
Decision: Check what customers use before making count decisive.
- Fiat Settlement and African Bank Coverage
Breet: This is Breet's strongest advantage. Breet directly documents automatic NGN and GHS bank settlement at customer-address or business level.
NOWPayments: NOWPayments advertises 20+ fiat deposit currencies and bank withdrawals. A current help page describes eligible USD or other-currency transfer through SEPA, with provider-specific KYC or KYB. We found no current public source that confirms a direct native NGN or GHS bank route. Get the exact account, partner, currency, and rail in writing.
Decision: For fiat settlement and african bank coverage, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider NOWPayments only when its additional product scope is required.
- Checkout and Merchant Tools
Breet: Breet's API and dashboard suit a product that needs an embedded crypto-to-local-bank function. Breet can reduce settlement work for an NGN or GHS flow.
NOWPayments: For businesses that require this capability, NOWPayments's broader scope may be relevant. NOWPayments can reduce checkout work for a standard store. NOWPayments's documented capabilities include e-commerce plugins; hosted invoices and payment links; payment buttons and widgets; donation tools; subscription billing; point of sale; white-label options; mass crypto payouts.
Decision: For checkout and merchant tools, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider NOWPayments only when its additional product scope is required.
- Custody and Balance Operations
Breet: Breet manages the infrastructure behind its customer addresses, so the business does not operate nodes or private keys for the payment flow. Breet is clearer when the result is local fiat.
NOWPayments: NOWPayments is non-custodial by default, with optional custody for balances, customer operations, transfers, and conversions. NOWPayments gives more custody choice.
Decision: For custody and balance operations, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider NOWPayments only when its additional product scope is required.
- Payment Recovery and Exception Handling
Breet: Breet automatically recovers certain supported-asset mismatches on Breet-generated addresses. Neither covers every error, so teams must still show the required asset, network, amount, and address.
NOWPayments: NOWPayments' Extra Deposits Auto Processing covers some supported wrong-asset or wrong-network payments when enabled.
Decision: Both providers document useful recovery functions.
- API, Sandbox, and Webhooks
Breet: Breet provides REST documentation, a development environment, address and settlement controls, webhooks, retries, reporting, IP restrictions, a public 99.9% uptime SLA, and direct support. Both support a serious integration.
NOWPayments: NOWPayments provides documentation, a sandbox, currency and estimate endpoints, and HMAC SHA-512-signed IPNs.
Decision: For api, sandbox, and webhooks, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider NOWPayments only when its additional product scope is required.
- Compliance and Legal Fit
Breet: Breet's Canadian entity is a Canadian FINTRAC money service business; its Nigerian entity has a pending application to the Nigerian SEC programme. Confirm the contract entity, fiat partner, restrictions, and duties.
NOWPayments: NOWPayments says FD Transfers LLC is incorporated in Saint Vincent and the Grenadines and that no specific licence is required under its incorporation law. It uses licensed partners and can apply AML, KYC, or KYB controls.
Decision: For compliance and legal fit, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider NOWPayments only when its additional product scope is required.
When global merchant tools matter
These functions matter when they are core product requirements. If the business only needs crypto acceptance and settlement, they can add unnecessary integration work and ongoing operations.
Why Breet fits direct African bank settlement
Breet removes the infrastructure between the customer crypto payment and the chosen crypto or fiat output. The product team can keep the integration focused on the payment result.
Which should you choose?
Choose Breet when the business wants the simplest route from a customer crypto payment to stablecoins, USD, NGN, or GHS. Breet handles the crypto infrastructure and gives the team one focused payment flow.
- Accept 12+ supported crypto assets using permanent or single-use wallet addresses.
- Convert deposits automatically after blockchain confirmation.
- Keep funds in stablecoins or USD, or settle directly to an NGN or GHS bank account.
- Withdraw through the API or Breet business dashboard at any time.
- Avoid liquidity management and wallet sweeping.
- Pay one volume-based transaction fee with no separate setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto.
- Test integrations in a public sandbox with webhooks, live asset discovery, and clear API documentation.
- Get direct integration support through dedicated Slack channel support.
Consider NOWPayments only when the product requires one or more of these additional capabilities: 300+ crypto assets; global crypto checkout rather than a specific African bank route; plugins, widgets, buttons, invoices, or point of sale. For a focused crypto acceptance and settlement flow, Breet removes more product decisions and operating work.
Need more detail on NOWPayments?
Read the NOWPayments API review for a focused review of its public features, pricing evidence, strengths, and limits. You can also compare other crypto payment APIs.
