Larecoin Vs NOWPayments: Why Merchants Are Making the Switch in 2026

2026 is the year of merchant freedom.

Crypto payment processors are everywhere. But not all of them put you first.

NOWPayments has been a solid player. No question. But merchants are starting to notice something. There's a better way to accept crypto. Lower fees. True self-custody. Instant settlements.

That's Larecoin.

Let's break down exactly why merchants are making the switch: and what it means for your bottom line.

The Fee Problem Nobody Talks About

Here's the reality.

NOWPayments charges 0.5% to 1% on every transaction. Sounds small, right?

Run the numbers on $500,000 in annual crypto payments.

That's $2,500 to $5,000 walking out the door. Every single year.

Larecoin? Over 50% lower fees compared to traditional processors. For that same $500K volume, merchants report keeping an extra $3,000+ in their pockets.

That's not a rounding error. That's real money.

Quick Fee Comparison

Feature	NOWPayments	Larecoin
Processing Fee	0.5-1%	50%+ lower
Annual Cost ($500K volume)	~$5,000	Under $2,000
Hidden Fees	Variable	None

Every percentage point matters. Especially when you're scaling.

Self-Custody: Your Money, Your Rules

This is where things get real.

NOWPayments offers non-custodial options. Payments can go directly to your wallet. Good start.

But they also have custodial features. Optional operational balances. Third-party involvement.

Larecoin operates differently.

Full self-custody. Period.

Funds hit your wallet immediately. No intermediary. No waiting period. No one standing between you and your revenue.

Think about what that means.

• No withdrawal requests

• No account freezes

• No "pending review" nightmares

• No asking permission to access your own money

You processed the sale. You get the funds. Instantly.

That's merchant freedom.

Speed That Actually Matters

Time is money. Literally.

NOWPayments processes transactions in approximately 5 minutes on average. Not terrible. But not great either.

Larecoin leverages Solana's architecture for near-instant settlement.

Why does this matter?

For high-volume merchants, those 5-minute windows add up. Customer experience suffers. Reconciliation gets messy. Cash flow becomes unpredictable.

With Larecoin, the transaction confirms before your customer finishes saying "thank you."

NFT Receipts: Proof That Actually Proves Something

Here's something NOWPayments simply doesn't offer.

NFT receipts.

Every Larecoin transaction can generate an immutable, on-chain receipt. Stored forever on the blockchain.

Why should you care?

• Accounting clarity : No more disputed transactions

• Customer trust : Verifiable proof of purchase

• Legal protection : Immutable record if disputes arise

• Future-proofing : Web3-native documentation

Traditional receipts get lost. Emails get deleted. PDFs get corrupted.

NFT receipts? They're permanent.

For merchants handling high-value transactions, warranties, or compliance requirements, this changes everything.

LUSD: Zero-Volatility Payments

Crypto volatility scares merchants. We get it.

You accept a $100 payment in Bitcoin. By the time you convert, it's worth $92. Or $108. You never know.

That uncertainty kills adoption.

Enter LUSD : Larecoin's native stablecoin.

LUSD maintains dollar parity. Accept payment, hold value. Simple.

LUSD Benefits for Merchants

• Price stability : $1 in, $1 stays

• Native integration : No third-party stablecoin bridges

• Instant conversion : Swap to fiat whenever you want

• Lower gas fees : Solana-based efficiency

NOWPayments supports various stablecoins. But none built specifically for their ecosystem. None optimized for merchant use cases.

LUSD was designed for you.

Setup: Minutes, Not Months

Technical complexity kills merchant adoption.

NOWPayments requires API integration. Developer resources. Technical documentation. Testing environments.

For enterprise merchants with dev teams? Manageable.

For the coffee shop owner who wants to accept crypto? Nightmare fuel.

Larecoin flips the script.

QR-based checkout. No hardware required.

Set up in minutes. Generate a QR code. Start accepting payments. Done.

No coding. No plugins. No consultants.

Just scan and pay.

Setup Comparison

Factor	NOWPayments	Larecoin
Technical Skill Required	Moderate-High	Minimal
Integration Time	Days-Weeks	Minutes
Hardware Needed	Variable	None
Developer Resources	Often Required	Not Required

The fastest path to accepting crypto wins. Every time.

The Independence Factor

Let's talk about what really matters.

Centralized payment processors hold power over merchants. They can:

• Freeze accounts

• Delay withdrawals

• Change fee structures

• Restrict certain industries

• Demand compliance documentation

You've seen the horror stories. Businesses shut down overnight. Funds held for "review."

Larecoin removes that leverage.

Decentralized infrastructure means no single point of control. No corporate entity deciding whether your business is "acceptable."

You're the boss. Full stop.

For merchants in regulated industries, international commerce, or simply those who value autonomy : this isn't just nice to have.

It's essential.

Real Numbers, Real Savings

Let's get specific.

Scenario: E-commerce store processing $250,000 annually in crypto

NOWPayments (1% fee)

• Annual fees: $2,500

• Settlement time: 5 min average

• Custody: Partial third-party involvement

• Receipts: Standard digital

Larecoin

• Annual fees: Under $1,000

• Settlement time: Near-instant

• Custody: Full self-custody

• Receipts: NFT-based, immutable

Annual savings: $1,500+

Scale that to $1M in volume? You're looking at $6,000+ staying in your business.

Over five years? That's $30,000.

Enough to hire help. Expand inventory. Actually grow.

Who's Making the Switch?

Merchants switching to Larecoin share common traits:

• Fee-conscious operators : Every basis point matters

• Privacy-focused businesses : Self-custody is non-negotiable

• High-volume sellers : Speed and efficiency drive decisions

• Web3-native brands : NFT receipts align with their identity

• International merchants : Decentralization bypasses borders

If any of these sound like you, the switch makes sense.

Getting Started

Ready to experience the difference?

Head to larecoin.com and explore the merchant tools.

Check out the blog for integration guides, use cases, and ecosystem updates.

Questions? The community's waiting. Real answers. Real support.

No gatekeepers. No corporate runaround.

The Bottom Line

NOWPayments served its purpose. It brought crypto payments to merchants who needed options.

But 2026 demands more.

Lower fees. True self-custody. Instant settlements. NFT receipts. LUSD stability.

Larecoin delivers all of it.

Merchants are noticing. They're doing the math. They're making the switch.

The question isn't whether decentralized crypto payments will dominate.

It's whether you'll be ready when they do.

Your revenue. Your rules. Your future.

Welcome to Larecoin.