Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto Payment Gateway Is Better For Your Business?

Crypto payment gateways aren't created equal.

You know it. Your customers know it. And in 2026, choosing the wrong one could cost you thousands in fees, compliance headaches, and missed opportunities.

This is Part 47 of the Larecoin 10-Year Blog Marathon. Today, we're putting three major players head-to-head: Larecoin, CoinPayments, and NOWPayments.

No fluff. No bias toward legacy players. Just facts that matter for your bottom line.

Let's break it down.

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The Crypto Payment Gateway Landscape in 2026

The market has matured. Businesses now expect more than basic crypto acceptance.

They want:

• Lower fees

• True self-custody

• Regulatory compliance

• Innovative features that add real value

Not all gateways deliver. Some are stuck in 2021. Others are evolving fast.

Here's where each contender stands.

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CoinPayments: The OG Player

CoinPayments has been around since 2013. They were early. They built trust.

What they offer:

• Support for 2,000+ cryptocurrencies

• Merchant tools and shopping cart plugins

• Multi-coin wallet functionality

• Conversion to fiat options

The downsides:

• Fee structure can get complex (0.5% base + conversion fees)

• Custodial model means they hold your funds

• Limited Web3-native features

• Compliance varies by region

CoinPayments works for businesses wanting broad crypto support. But it's showing its age.

The custodial model? That's a dealbreaker for merchants who value true ownership. You're trusting a third party with your revenue. Not ideal.

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NOWPayments: The Flexible Contender

NOWPayments came onto the scene as a more modern alternative.

Key strengths:

• 300+ supported cryptocurrencies

• Non-custodial wallet-to-wallet transfers

• Automatic fiat conversion to hedge volatility

• Flexible integration (API, WooCommerce, Magento, OpenCart)

• Starting fees at 0.5%

• 24/7 customer support

Where they fall short:

• No native stablecoin ecosystem

• Standard receipts (no NFT functionality)

• Limited US regulatory positioning

• No proprietary DeFi infrastructure

NOWPayments is solid. The non-custodial model is a step forward. Direct wallet transfers mean you control your funds.

But here's the thing: they're still playing catch-up on innovation.

No NFT receipts. No integrated stablecoin. No comprehensive US compliance framework.

For merchants operating in regulated markets? That matters.

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Larecoin: The Web3-Native Solution

Now let's talk about what sets Larecoin apart.

Built from the ground up for the Web3 era. Not retrofitted. Not patched together.

Core advantages:

Fee Savings That Actually Matter

Every percentage point counts. Larecoin's gas-only transfer model eliminates bloated processing fees.

You pay for network gas. That's it.

Compare that to 0.5% + conversion fees + withdrawal fees at competitors. Over time? The savings compound significantly.

For high-volume merchants, this translates to thousands in annual savings.

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption. Everyone knows it.

LUSD solves this natively within the Larecoin ecosystem.

Accept payment in any supported crypto. Settle in LUSD. Hold value without third-party conversion services taking a cut.

No external stablecoin swaps. No additional fees. Just seamless stability.

NFT Receipts: Not a Gimmick

Traditional receipts are boring. And forgettable.

Larecoin's NFT receipt system creates verifiable, on-chain proof of every transaction.

Benefits for merchants:

• Immutable transaction records

• Enhanced customer engagement

• Built-in collectibility and brand reinforcement

• Fraud reduction through blockchain verification

Benefits for customers:

• Proof of purchase that can't be lost

• Potential collectible value

• Easy warranty and return verification

This isn't about hype. It's about creating tangible value from every transaction.

True Self-Custody

Your money. Your keys. Your control.

Larecoin operates on a non-custodial framework. Funds flow directly to your wallet. No intermediary holding periods. No third-party risk.

CoinPayments can't say that. Their custodial model means trusting them with your revenue.

Self-custody isn't optional in 2026. It's expected.

US Compliance: MSB + State MTL Strategy

Here's where it gets serious.

Operating in the United States requires navigating a complex regulatory maze. Most crypto payment processors either avoid it entirely or offer vague promises.

Larecoin takes a different approach.

The compliance framework:

• Registered as a Money Services Business (MSB) at the federal level

• Pursuing state Money Transmitter Licenses (MTL) strategically

• Building infrastructure designed for regulatory clarity

This isn't about checking boxes. It's about creating a sustainable foundation for US merchants.

If you're operating stateside, working with a compliant gateway isn't optional. It's protection.

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Feature Comparison: The Quick Breakdown

Feature	Larecoin	CoinPayments	NOWPayments
Fee Model	Gas-only	0.5% + fees	0.5% starting
Custody	Self-custody	Custodial	Non-custodial
Native Stablecoin	LUSD	No	No
NFT Receipts	Yes	No	No
US Compliance	MSB + MTL	Limited	Limited
Web3 Integration	Native	Retrofitted	Partial
Push to Card	Yes	Limited	No

The numbers speak for themselves.

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Why Larecoin Wins for Forward-Thinking Businesses

Let's be direct.

CoinPayments is reliable but dated. A custodial model and legacy infrastructure hold it back.

NOWPayments improved on the formula. Non-custodial is smart. But they stopped short of true innovation.

Larecoin built something different.

For merchants who want:

• Maximum fee savings

• True ownership of funds

• Native stablecoin settlements

• Innovative customer touchpoints (NFT receipts)

• Rock-solid US regulatory positioning

There's only one choice.

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The Bottom Line

Crypto payment gateways are infrastructure. They should work for you, not against you.

Stop leaking revenue to unnecessary fees. Stop trusting third parties with your funds. Stop operating in regulatory gray zones.

Larecoin delivers what modern merchants actually need:

• Lower costs

• True self-custody

• Stablecoin stability

• NFT-powered receipts

• US compliance built-in

The Web3 economy is here. Your payment gateway should reflect that.

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Ready to Switch?

Set up your Larecoin merchant account. Start accepting crypto the smart way.

Explore Larecoin and see the difference for yourself.

Questions? Let's chat.

The future of payments isn't coming. It's already here.