For recurring revenue,
the auto-pull is the whole game.
NOWPayments processes 350+ coins and cashes out to fiat — if you need broad one-time acceptance, it’s a strong choice. But for subscriptions, “automatic” crypto billing usually means re-invoicing the customer every cycle, or making them pre-fund a balance a processor holds. OpenSettle is built the other way: your customer authorizes a capped allowance once, and each renewal pulls from their own wallet — non-custodial, straight to yours.
The comparison we'd run before buying.
Honest and without hiding the tradeoffs. NOWPayments leads on breadth and fiat; OpenSettle leads on non-custodial recurring. Pick the one that matches what you're billing.
| Capability | OpenSettle | NOWPayments |
|---|---|---|
| Custody | Non-custodial — settles to your wallet | Non-custodial settlement |
| Assets accepted | USDC & USDT | 350+ coins & tokens |
| Recurring mechanism | Sign once, on-chain auto-pull | Re-invoice each cycle, or a prepaid balance |
| Customer action per renewal | None — capped & revocable | Pays each invoice, or pre-funds a balance |
| Where a renewal is funded from | The customer's own wallet | A balance they pre-fund, or a fresh payment |
| Price volatility | None — stablecoins only | Depends on the coin accepted |
| Settlement fee | 1% → 0.65% by volume, no conversion tax | 0.5% base · ~1% with auto-conversion |
| Cash out to fiat | Not offered — you hold stablecoins | Yes · 1.5–2.3% payout |
NOWPayments capabilities and fees as of June 2026, compiled from their public pricing and documentation — third-party terms change, so verify current details on their site. Only the OpenSettle column reflects our own product. OpenSettle auto-pull is live on Base, Polygon, and Arbitrum; on every other chain renewals bill with a one-click invoice, so subscriptions work wallet-agnostically everywhere.
Recurring revenue you keep, not renewals you chase.
Crypto wallets can't auto-charge like cards. The usual workarounds put friction or custody between you and the renewal. OpenSettle's allowance auto-pull removes both.
Recurring that actually auto-charges
On Base, Polygon, and Arbitrum, the customer approves a spending cap once and every renewal pulls automatically. No re-invoicing, no pre-funded balance, no action per cycle.
The wallet pays you — nobody holds the float
A renewal is a direct on-chain transfer from the customer's wallet to yours. No prepaid balance held by a processor; the allowance is capped and revocable on-chain at any time.
Dollar-stable, settled direct
USDC & USDT only, so there's no price drift between charge and settlement and no conversion tax. Funds land 100% in your wallet; our fee accrues separately and bills monthly.
When breadth beats focus, pick them.
A comparison you can trust has to say where the other tool wins. If any of these is your priority, NOWPayments is the better choice — and we'll say so.
The honest questions.
For recurring revenue, yes — and a focused one. NOWPayments is a broad gateway for accepting 350+ coins and cashing out to fiat. OpenSettle does one thing NOWPayments' model can't: non-custodial, sign-once auto-pull for subscriptions, where each renewal moves stablecoins from the customer's own wallet straight to yours. If you mainly need wide one-time acceptance, NOWPayments is the better fit; if you bill recurring, the auto-pull is the difference.
Not on the headline rate — NOWPayments starts at 0.5%, OpenSettle at 1% stepping down to 0.65% by volume. The honest nuance: NOWPayments' 0.5% is for like-for-like crypto; auto-converting to a single settlement currency runs to about 1%, and cashing out to fiat adds 1.5–2.3%. OpenSettle takes USDC/USDT and settles the same stablecoin directly to your wallet, so there's no conversion tax and nothing to cash out.
No, by design. OpenSettle settles USDC and USDT — the two dominant dollar stablecoins — on Base, Ethereum, Polygon, and Arbitrum (Solana and Tron are API-ready). The focus is what makes the recurring auto-pull and the no-volatility, no-conversion settlement possible. If broad altcoin acceptance is the priority, NOWPayments covers far more assets.
The customer signs a capped ERC-20 allowance once. Each renewal is an on-chain pull straight from their wallet to your verified settlement wallet — OpenSettle never holds or routes the money, and the customer can revoke the allowance on-chain at any time. It's the card-on-file experience without anyone custodying the funds.
Billing recurring crypto? Let the wallet pay you.
Non-custodial stablecoin subscriptions with sign-once auto-pull on Base, Polygon, and Arbitrum — and a one-click invoice everywhere else.