Comparison of Pointpay vs Changenow [ 2024 ]

The crypto exchanges compared by their commissions, cryptos, security and much more. Here is the Pointpay vs Changenow comparison!

Your expert: Alejandro Borja

pointpay

Pointpay

Your expert: Xavier Tarrasó

changenow

Changenow

Main points

Fees

0.05%

Earns

Yes

Customer service

3/5
hidden

Fees

Yes

Earns

3/5

Customer service


Recommended for

Beginners

Yes

Trading

Yes

Passive income

Yes

Buy and hold

Yes
No

Beginners

No

Trading

Yes

Passive income

Yes

Buy and hold


Comparison of fees

Rating

3.9 – Reasonable fees with additional benefits for crypto banking.
4.0 – Competitive fees with a focus on instant crypto swaps.

Level

0.05%
hidden

Brief explanation

PointPay’s commission structure is designed to be competitive and accessible for traders of all levels. The platform primarily operates on a flat fee model for trading, charging fees that are generally considered lower than the industry average. For instance, PointPay charges a trading fee of 0.05% for both makers and takers, which is appealing because it is below the typical rates found at many other exchanges. This low fee structure is particularly advantageous for active traders who perform frequent transactions, as it helps to keep trading costs down and maximize potential profits. Moreover, the absence of different fees for makers and takers simplifies the trading process, making it easier for beginners to understand and calculate their trading costs upfront without surprises.
ChangeNOW simplifies the process of trading cryptocurrencies by imposing a straightforward fee structure that varies depending on the transaction and the currency pair used. Typically, ChangeNOW integrates a service fee directly into the exchange rate, which means the rates you see already include the fee, ensuring transparency and avoiding unexpected charges. The platform does not charge a separate service fee, but network fees, which are payments to miners, still apply and are necessary for the transaction to be processed on the blockchain. This fee structure makes it easy for beginners to understand the total cost of each transaction without having to navigate complex fee schedules.

Pointpay

Changenow

Comparison sponsored by the best exchange

eToro

eToro Special Offer*

Earn up to 4.90% APY on uninvested cash with eToro USA.

Account Minimum

Get started with just $100.

And 1% fee on all cryptocurrency trades.

etoro logotipo

Direct link to the website

Product selection

Native token

No
No

Earns

Yes
Yes

NFT marketplace

No
No

Cripto/debit card

No
No

Company information

Full name

Point Pay Ltd.
ChangeNOW International Ltd.

Regulation

Not regulated
Not regulated

Year founded

2018
2017

Founder

Andrey Svyatov
Unknown

Payment methods

Transfers

No
No

Mastercard

Yes
No

Wire transfer

No
No

Card

Yes
No

Comparative table

Pointpay FEATURES Changenow
PointPay allows users to start trading with relatively low minimums, making it accessible for beginners.
Minimum Trade
ChangeNOW allows users to trade small amounts of cryptocurrencies, accommodating users who prefer to trade minimal quantities.
PointPay offers competitive trading fees which are lower than many other platforms, making it cost-effective for traders.
Trading and Transaction Fees
While fees are competitive, they can vary and be higher for certain routes or less popular coins.
While PointPay supports popular cryptocurrencies, its range is narrower compared to larger exchanges. More variety could enhance trading opportunities.
Number of Cryptocurrencies
Supports over 200 cryptocurrencies, providing a wide selection for trading.
The platform provides several trading pairs, but the selection is less extensive than what is found on more established exchanges.
Crypto-to-Crypto Trading Pairs
Offers a vast array of trading pairs, allowing direct swaps between a diverse range of cryptocurrencies.
PointPay maintains high transparency regarding fees, services, and operational procedures, which helps built trust among users.
Website Transparency
Generally transparent about fees and trading processes, but could improve accessibility of detailed information on the backend processes.
This absence could be a significant drawback for users who seek the convenience of directly spending their crypto holdings in a traditional manner, such as through point-of-sale transactions or online shopping using a card linked directly to their cryptocurrency accounts.
Credit/Debit Card
Does not provide its own exchange card for in-store purchases or benefits.
PointPay offers secure storage solutions, including a multi-currency wallet that supports various cryptocurrencies.
Storage Offering
Provides a secure, non-custodial service that doesn’t store user funds but could enhance security features or options.
The platform offers staking options, but the benefits and yields are less competitive compared to leading platforms focused on staking.
Staking and Rewards
Limited options for staking and rewards compared to other platforms that offer comprehensive staking services.
PointPay provides both mobile and desktop applications that are user-friendly and feature-rich, though some users may find the mobile app lacks certain advanced features.
Mobile App and Desktop
Both mobile and desktop interfaces are user-friendly, facilitating easy and efficient trading on any device.
PointPay has a responsive customer service team accessible through multiple channels, although response times can vary during peak times.
Customer Service
Customer service is available but has room for improvement in terms of response times and support quality.
Deposits and withdrawals are handled efficiently, but the options for fiat transactions are limited, which could be inconvenient for some users.
Deposit and Withdraw
Facilitates easy and fast deposits and withdrawals but could expand the variety of accepted payment methods.

Key features

Analysis tools

Basic charting tools
No significant tools, mainly a swap service

Mobile APP

No
No

Security

High 4,6/5
High 4/5

Additional features

Crypto banking, staking, PointPay token (PXP) rewards
Instant crypto swaps, NOW token rewards, fiat on/off ramps, ChangeNOW API

Anonymity

Yes
Yes

Key points

Available cryptocurrencies

50+
200+

User-friendliness

PointPay features an intuitive and user-friendly interface that is easy to navigate, making it suitable for beginners. The platform focuses on providing a seamless trading experience.
ChangeNOW offers a straightforward and easy-to-use platform that is ideal for beginners. The interface is clean and intuitive, making it easy to navigate and execute trades.

Value for money

Delivers reasonable value for money with competitive fees and a user-friendly interface, though it may lack some advanced features.
Offers good value for money with competitive fees and a straightforward swapping service, making it an easy option for quick trades.

Countries of operation

United States, Canada, United Kingdom, Australia, Singapore
Global, including United States, Canada, United Kingdom, Australia, Germany

Best for

Best for traders seeking a user-friendly platform with competitive fees and a wide range of supported cryptocurrencies.
Ideal for traders looking for a straightforward and quick cryptocurrency swapping service with competitive fees.

Base currencies available

USD, BTC
BTC, ETH, USDT (varies by transaction)

Account

Trading

PointPay provides a secure platform with a decent range of cryptocurrencies and competitive fees. It offers additional services like staking and loans but lacks advanced trading tools.
ChangeNOW is a non-custodial exchange known for its fast and anonymous transactions. It offers a wide range of cryptocurrencies but lacks advanced trading features and tools.

Deposit and withdrawal

PointPay supports various deposit and withdrawal methods, including bank transfers and crypto. Withdrawals are processed efficiently, with low fees.
ChangeNOW is a non-custodial exchange known for its fast transactions. It supports various deposit methods, and withdrawals are processed quickly with low fees.

Account opening process

PointPay offers an easy and quick account registration process. Users need to provide personal details and verify their identity. The process is fully digital and typically takes less than a day to complete.
ChangeNOW provides a simple and quick account registration process. Users need to submit personal details and verify their identity. The process is fully digital and usually takes less than a day to complete.

KYC required?

Yes
No

Customer Service

PointPay offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.
ChangeNOW offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.

Security

PointPay ensures security through 2FA, encryption, and cold storage. Despite its strong security measures, the platform is not regulated by top-tier financial authorities, which could be a concern for some investors.
ChangeNOW provides strong security with 2FA and encryption. However, it lacks regulation from major financial authorities, which might be a concern for some investors.

Which of these exchanges is for you?

As a cryptocurrency analyst who has extensively reviewed various platforms, I highly recommend PointPay for both newcomers and seasoned traders. Its all-in-one platform is especially beneficial for users looking to manage multiple crypto activities from a single account. The ease of use, combined with robust security measures and a regulated environment, makes PointPay a trustworthy choice. Whether you’re interested in trading, staking, or simply managing a diverse portfolio, PointPay offers a user-friendly and comprehensive solution that caters to all your cryptocurrency needs.
As a cryptocurrency analyst at our website, I’ve spent considerable time exploring and using various exchanges, and ChangeNOW stands out for its remarkable simplicity and efficiency. From my personal experience, this platform is especially well-suited for those who are new to the cryptocurrency world or those who prefer straightforward, quick crypto exchanges without the hassle of lengthy registrations. ChangeNOW’s focus on user privacy and security, without requiring personal information, provides peace of mind, making it a top recommendation for users valuing anonymity alongside ease of use. Whether you’re looking to swap small amounts or engage in more significant trades, ChangeNOW facilitates it all with commendable ease and speed.

How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

 

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).


For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.

More comparatives Pointpay and Changenow