NOWPayments Report Reveals Hidden Costs of Crypto Payments for Merchants
Current overview (not historical)
According to a NOWPayments report, crypto payments impose significant hidden costs on merchants, with 37% facing per-transaction costs exceeding $20 due to failures or delays. A median gap of 3.7 days exists between the original payment creation and refund processing, during which customers may show funds as left their wallets while merchants still mark orders as unpaid. The report also notes Visa data indicating stablecoin card transactions now account for 17% of enterprise transactions, reflecting a growing trend of businesses using cryptocurrency.
Written with AI from the reporting · updated 10/27/2026
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- 1Unclassified fact stationOct 16, 00:00recorded Oct 27, 10:24single source
NOWPayments报告2026年10月加密支付隐藏成本
Read original source ↗ BeInCryptoReplay this moment in the explorerEvidence & revisions · 1 source records
- Subject：
- NOWPayments
- Action：
- 报告加密支付失败和退款成本
- Object：
- 商家和支付网关
- Occurred (fact side)：
- Oct 16, 00:00
- Published (valid side)：
- Oct 27, 10:04
- First seen (known side)：
- Oct 27, 10:24
Fact stationSingle source · one-sided claimCopy may have been revised later; time replay is bounded. Layer labels group reading only, not causation between layers.
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- BeInCryptoRelated fact: single sourceCrypto payments create reconciliation costs for businesses, study shows
Report first recorded Oct 27, 10:24
A study of 150 financial-institution executives found 37% faced costs exceeding $20 per failed or delayed payment. When customers send the wrong token or select the wrong blockchain, merchants must trace transfers and reconcile orders, consuming staff time. Across a dataset of completed merchant refunds, the median gap between original payment and refund creation was 3.7 days. For refunds processed without email confirmation, median time to send funds was 21 minutes, compared to 4.3 hours when confirmation was required. NOWPayments reports a 103.8% year-over-year increase in successful integrations and a 92% increase in partners making their first transaction in September 2026.
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