NOWPayments has earned its reputation on broad token coverage and a clean crypto checkout. Malum keeps that crypto-out story and adds the card-in side — so buyers without a wallet still convert.
NOWPayments is a great fit when your entire audience already holds crypto. Malum gives you the same crypto settlement on a platform that also accepts cards and bank transfers — and bundles a full merchant dashboard with it.
NOWPayments is crypto-only. Malum adds card, Apple/Google Pay, SEPA, iDEAL, Bancontact, EPS, Faster Payments, Interac and bank transfer alongside direct crypto.
Beyond the checkout, Malum ships a hosted storefront, MoR option, team workspaces, custom-domain proxy, payment links and plugin integrations.
Settle every sale into the single stablecoin or asset you nominate, paid directly to your wallet — no custodial balance to draw down later.
| Feature | Malum | NOWPayments |
|---|---|---|
| Buyer payment methods | Cards, Apple/Google Pay, SEPA, iDEAL, Bancontact, EPS, Faster Payments, Interac, bank transfer, crypto — 70+ | Crypto only (very wide token coverage) |
| Payout currency | Crypto — USDT, USDC, BTC, ETH + 30 more | Crypto, wide token list |
| Payout speed | Minutes | On-chain after confirmations |
| Buyer needs a wallet | Optional — card accepted | Required |
| Hosted storefront | Built-in | Checkout only |
| Merchant of Record | Yes | No |
| Team / workspace roles | Owner / Admin / Finance / Support / Viewer | Single account |
| Custom-domain checkout | Cloudflare Worker proxy template included | Iframe / embed |
| Fees | Flat published merchant discount | 0.5% – 1% per transaction |
| Refunds | Native UI + API | Manual on-chain |
| Subscriptions | Built-in | Limited |
If your audience is exclusively crypto-native, NOWPayments is a fine fit. But for most merchants, "crypto-only" is a conversion ceiling — the cohort of buyers who already hold the right token on the right network with enough gas is smaller than the cohort with a working credit card.
Malum supports both flows side by side. The crypto buyer pays in crypto. The card buyer pays in their card's native currency. Both settle to your wallet as the asset you chose.
NOWPayments is well-known for very wide token acceptance and is a good option when you want to take obscure altcoins. Malum focuses on the major stablecoins and chains (USDT, USDC, BTC, ETH, LTC, SOL, BNB, TRX, MATIC plus 20+ more) with the auto-convert flow most merchants actually want: take whatever, settle as one nominated asset, ship to your wallet.
NOWPayments is, fundamentally, a crypto checkout API + iframe. Malum is a full payments platform with a checkout, dashboard, storefront, MoR option, plugins, team, webhooks and API. If you're past the "drop an iframe on the page" stage, Malum is the more natural fit.
Keep the crypto settlement, lose the crypto-only conversion ceiling. Cards, banks, APMs and crypto — settled to your wallet in minutes.
Comparisons are based on publicly available information from each provider's website and product documentation at the time of writing and are provided for informational purposes only. Trademarks and brand names are the property of their respective owners; their use here is purely descriptive and does not imply endorsement, affiliation, or partnership. Pricing, fees, payout times, supported regions and product features change frequently — always verify directly with each provider before making a decision.