CoinPayments vs NOWPayments vs Larecoin: Which Web3 Global Payments Solution Actually Delivers?

Crypto payment gateways are everywhere. But most of them? They're just digital middlemen wearing blockchain as a costume.

You want real Web3 global payments. Not another custodial wallet that locks your funds. Not another platform charging you 3% just to move your own money.

Let's cut through the noise. CoinPayments. NOWPayments. Larecoin. Three major players. One winner.

Here's the breakdown.

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The Problem With Most Crypto Payment Gateways

Traditional payment processors take 2.5-3.5% per transaction. Card networks add interchange fees. Banks add more.

Crypto was supposed to fix this.

But many crypto gateways just replicated the old model. They hold your funds. They charge high fees. They add complexity.

Merchants need something different:

• Self-custody merchant accounts that let you control your funds

• Tools that reduce merchant interchange fees by 50% or more

• Real Web3 infrastructure, not Web2 with a crypto sticker

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CoinPayments: The Legacy Option

CoinPayments has been around since 2013. It's established. Reliable in some ways. But it's showing its age.

The Good

• Supports 40+ cryptocurrencies and 21 stablecoins

• Manual invoices and API integration

• Recurring billing options

• White-label capabilities

The Bad

Custodial model. CoinPayments holds your funds on their platform. You don't control the keys. You don't control the crypto.

Complex KYB process. Want to get started? Prepare for a lengthy Know Your Business verification that can take weeks.

Limited fee flexibility. Standard 0.5-1% processing fees with no real customization for network costs.

No real Web3 innovation. No NFT receipts. No receivables token. No stablecoin ecosystem built for merchants.

CoinPayments works. But it's built for 2015, not 2026.

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NOWPayments: The Popular Alternative

NOWPayments positions itself as the modern CoinPayments alternative. And in many ways, it is.

The Good

• Non-custodial by default. Payments forward directly to your wallet

• Supports 300+ cryptocurrencies and 30+ stablecoins

• Customizable network fee options

• Faster integration with Layer 2 networks

• Straightforward KYB process

The Bad

Still just a gateway. NOWPayments moves crypto from point A to point B. That's it. No ecosystem. No merchant-first tools.

No built-in stablecoin solution. You're at the mercy of whatever volatile assets customers send.

No NFT receipts for accounting. Paper trails? Digital PDFs? Welcome to 2019.

No receivables token. Your future payments remain illiquid and trapped.

NOWPayments is a solid NOWPayments alternative to CoinPayments. But it's not the future.

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Larecoin: The Web3 Native Solution

Here's where things get interesting.

Larecoin isn't just a payment gateway. It's a complete Web3 global payments ecosystem designed for merchants who want financial sovereignty.

Self-Custody Merchant Accounts

Your crypto. Your keys. Your control.

Larecoin offers self-custody merchant accounts as standard. No platform holding your funds hostage. No withdrawal delays. No permission needed to access your own money.

This is how crypto payments were supposed to work.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Nobody wants to accept $100 in crypto and wake up to $85.

Larecoin's LUSD stablecoin solves this:

• Price stability pegged to real value

• Instant settlement without exchange risk

• Lower gas fees than major stablecoins

• Native integration across the Larecoin ecosystem

The LUSD stablecoin benefits extend beyond just stability. It's built for commerce. Built for merchants. Built for actual use.

NFT Receipts for Accounting

Paper receipts? Gone.

PDFs in email folders? Outdated.

Larecoin introduces NFT receipts for accounting. Every transaction generates an immutable, blockchain-verified receipt that:

• Cannot be altered or forged

• Syncs automatically with accounting software

• Provides audit-ready documentation

• Reduces compliance overhead by 70%+

Smart merchants are ditching paper trails. NFT receipts are the standard in 2026.

The Receivables Token

This is where Larecoin truly separates from the pack.

The receivables token turns your future payments into liquid assets. Pending invoices. Subscription revenue. Recurring customer payments.

Tokenize them. Trade them. Use them as collateral. Access capital without waiting 30-60-90 days for payment.

No other crypto payment gateway offers this. Not CoinPayments. Not NOWPayments. Nobody.

Crypto POS System for Small Business

Enterprise solutions are great. But what about the coffee shop? The boutique? The local service provider?

Larecoin's crypto POS system for small business brings Web3 payments to Main Street:

• Contactless payments via mobile

• QR code integration

• Real-time LUSD conversion

• Zero hardware requirements

• Setup in minutes, not weeks

Reduce Merchant Interchange Fees by 50%+

The killer feature for any merchant?

Larecoin helps reduce merchant interchange fees dramatically. We're talking 50% or more compared to traditional card processing.

No card networks. No interchange. No assessment fees. No PCI compliance costs.

Just direct crypto payments with minimal processing overhead.

For a merchant doing $100K/month, that's $1,500-2,000 back in your pocket. Every month.

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Head-to-Head Comparison

Feature	CoinPayments	NOWPayments	Larecoin
Custody Model	Custodial	Non-Custodial	Self-Custody
Supported Cryptos	40+	300+	50+ focused
Stablecoin Solution	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Receivables Token	No	No	Yes
Small Business POS	Limited	Limited	Full Solution
Fee Reduction	0.5-1%	0.5-1%	50%+ savings
KYB Process	Complex	Simple	Streamlined
Web3 Native	No	Partial	Fully Native

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Why Larecoin Wins

CoinPayments and NOWPayments serve a purpose. They're gateways. They move crypto around.

But if you're looking for:

• A complete Web3 global payments ecosystem

• True self-custody merchant accounts

• NFT receipts for accounting that actually work

• LUSD stablecoin benefits built for merchants

• A receivables token that unlocks your cash flow

• A crypto POS system for small business that's actually usable

• The ability to reduce merchant interchange fees by 50% or more

There's only one choice.

Larecoin isn't just a CoinPayments alternative or NOWPayments alternative. It's the evolution of what crypto payments should be.

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Get Started Today

Ready to ditch the middlemen? Ready for real financial sovereignty?

The future of payments isn't waiting. Neither should you.

Explore Larecoin and see what Web3 global payments actually look like.

Your business. Your crypto. Your rules.