NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto Payment Processor Actually Gives You Freedom?

Crypto was supposed to set us free.

No banks. No middlemen. No permission required.

Yet most crypto payment processors? They've quietly rebuilt the same old gatekeeping system. Just with different logos.

If you're a merchant exploring crypto payments, you've probably stumbled across NOWPayments and CoinPayments. Both are popular. Both process crypto. But do either actually deliver the independence crypto promised?

Let's break it down. Then introduce you to a third option that actually prioritizes merchant freedom.

The Real Question: Who Controls Your Money?

Before diving into features and fees, ask yourself one thing.

Who holds the keys?

This single question separates true crypto payment solutions from dressed-up traditional processors.

Custody matters. If a platform holds your funds, they control your funds. Simple as that.

NOWPayments: The Non-Custodial Contender

NOWPayments gets some things right.

The Good:

• Non-custodial model (you keep your keys)

• 300+ cryptocurrencies supported

• 30+ stablecoins available

• Fast processing (~5 minutes, 45 seconds on TON)

• Customizable network fee options

• REST API and plugins available

The Not-So-Good:

• 0.5-1% processing fees still eat into margins

• No phone support for urgent issues

• Limited merchant-side innovations

• Standard dashboard, nothing groundbreaking

NOWPayments represents a solid mid-tier option. Non-custodial is a big win. But 0.5-1% fees on every transaction? That adds up fast.

For a merchant processing $50,000 monthly, that's $250-$500 gone. Every single month.

And the platform itself? Functional. But not exactly pushing boundaries.

CoinPayments: The Custodial Concern

CoinPayments has been around since 2013. Lots of name recognition.

But here's the catch.

The Concerning:

• Custodial model , they hold your funds

• Generated wallets mean no private key access

• 40+ cryptocurrencies (far fewer than competitors)

• Processing times vary from minutes to hours

• No network fee flexibility

• 0.5-1% processing fees

The Okay:

• Established reputation

• REST API available

• Multiple integration options

The custodial issue is massive. When CoinPayments holds your crypto, you don't actually own it. You're trusting a third party with your revenue.

Sound familiar? That's exactly what crypto was designed to eliminate.

Processing speed variance is another red flag. "Minutes to hours" means uncertainty. Uncertainty kills customer experience.

Larecoin: The Freedom-First Alternative

Now let's talk about something different.

Larecoin wasn't built to copy existing processors. It was built to replace the entire model.

Self-Custody by Default

Your crypto. Your keys. Your control. Period.

No generated wallets controlled by someone else. No hoping a platform doesn't freeze your funds. Complete ownership from transaction one.

Gas-Only Transfers

Here's where it gets interesting.

Traditional processors charge 0.5-1% on every transaction. Larecoin? Gas-only transfers mean you're only paying network costs. No percentage cut. No hidden fees eating your margins.

For high-volume merchants, the savings are substantial.

LUSD: Stability Without Surrender

Volatility concerns? Handled.

LUSD is Larecoin's stablecoin solution. Accept crypto payments, settle in stable value. No wild price swings affecting your bottom line.

But unlike other stablecoin options, LUSD integrates seamlessly within the Larecoin ecosystem. One platform. One flow. Zero friction.

NFT Receipts: Proof That Actually Means Something

This is where Larecoin breaks entirely new ground.

Every transaction can generate an NFT receipt. Immutable proof of payment. On-chain verification. Permanent records that can't be altered, disputed, or lost.

For merchants dealing with chargebacks, disputes, or compliance requirements? Game changer.

For customers wanting transparent proof of purchase? Instant trust.

The Direct Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Custody	Non-custodial	Custodial	Self-custody
Processing Fees	0.5-1%	0.5-1%	Gas-only
Speed	~5 minutes	Minutes to hours	Fast
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Crypto Support	300+	40+	Multi-chain
Merchant Control	Good	Limited	Complete
Web3 Native	Partial	No	Full

The pattern is clear.

NOWPayments offers decent non-custodial options but still clips your earnings with percentage fees. CoinPayments holds your funds and charges you for the privilege.

Larecoin flips the model. True ownership. Minimal fees. Innovative features like NFT receipts that competitors haven't even considered.

Why Self-Custody Actually Matters

Let's get specific.

Scenario 1: Platform gets hacked. With custodial services, your funds are at risk. With self-custody? Your wallet, your security, your responsibility.

Scenario 2: Platform decides to freeze accounts. Happens more than you'd think. Custodial services can lock you out anytime. Self-custody means no one can freeze what they don't control.

Scenario 3: Regulatory changes hit. Custodial platforms must comply with new rules that might not favor you. Self-custody keeps you independent.

Freedom isn't theoretical. It's practical protection.

NFT Receipts: The Feature You Didn't Know You Needed

Traditional receipts? Paper that fades. Emails that get lost. PDFs nobody can verify.

NFT receipts change everything.

• Immutable : Can't be altered after creation

• Verifiable : Anyone can confirm authenticity on-chain

• Permanent : Stored on blockchain forever

• Transferable : Proof of purchase that can move with products

Think warranty claims. Proof of authenticity for high-value items. Resale documentation for collectibles.

NFT receipts aren't gimmicks. They're the future of transaction records.

And Larecoin offers them now.

LUSD: Stability Meets Independence

Stablecoins solve the volatility problem. But most stablecoin solutions require leaving the Larecoin ecosystem, adding complexity and potential fees.

LUSD keeps everything internal.

Accept payment in any supported crypto. Settle in LUSD for stable value. Push to card when you need fiat.

One ecosystem. Multiple options. Zero unnecessary friction.

For merchants concerned about crypto price swings destroying margins, LUSD provides peace of mind without sacrificing the benefits of decentralized payments.

The Bottom Line

NOWPayments works. CoinPayments functions.

But neither truly delivers the freedom that crypto promised.

Larecoin does.

• Self-custody that puts you in complete control

• Gas-only fees that protect your margins

• NFT receipts that provide immutable proof

• LUSD stability without third-party dependencies

• Web3 native architecture built for the decentralized future

The crypto payment space is crowded. Most platforms just replicate traditional models with crypto logos.

Larecoin reimagines what merchant payment freedom actually looks like.

Ready to experience the difference?

Explore the Larecoin ecosystem and join the community discussion to connect with merchants already making the switch.

Your crypto. Your keys. Your freedom.

That's not just a slogan. That's Larecoin.