NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto Processor Actually Delivers Merchant Freedom?

The Question Every Merchant Should Be Asking

Crypto payment processors promise freedom. Decentralization. Independence from traditional finance.

But do they actually deliver?

NOWPayments and CoinPayments dominate the conversation. They've been around. They've built infrastructure. They work.

But "working" isn't the same as "liberating."

True merchant freedom means zero middlemen. Complete self-custody. Transparent fees. Innovative tools that actually move your business forward.

Let's break down how NOWPayments, CoinPayments, and Larecoin stack up, feature by feature, fee by fee.

The Contenders: A Quick Overview

NOWPayments launched as a non-custodial gateway supporting 300+ cryptocurrencies. Fast processing. Decent customization. Popular with e-commerce integrations.

CoinPayments is one of the oldest players. Supports 40+ coins and 21 stablecoins. Multi-coin wallet included. Established reputation.

Larecoin takes a different approach entirely. Built from the ground up for merchant independence. NFT receipts. LUSD stablecoin integration. True self-custody. Zero-compromise decentralization.

Fee Comparison: Where Your Money Actually Goes

Let's talk numbers.

NOWPayments: 0.5-1% processing fees. 0% payout fees. Customizable network-fee options let merchants absorb or pass along gas costs.

CoinPayments: 0.5-1% processing fees. 0% payout fees. Less flexibility on gas fee handling.

Larecoin: Gas-only transfers. That's it. No percentage-based processing fees eating into every transaction.

Here's where it gets interesting.

On a $10,000 monthly volume:

• NOWPayments costs you $50-$100 in processing fees

• CoinPayments costs you $50-$100 in processing fees

• Larecoin costs you network gas only

Scale that to $100,000 monthly? You're looking at $500-$1,000 going to NOWPayments or CoinPayments. With Larecoin? Just gas.

The math isn't complicated. Lower fees equal higher margins. Period.

Self-Custody: Who Actually Controls Your Funds?

This is where most processors fail the decentralization test.

NOWPayments markets itself as non-custodial. Fair enough. Funds route directly to your wallet. They don't hold your crypto.

CoinPayments includes a multi-coin wallet. Convenient? Sure. But your funds sit on their platform until withdrawal. That's custodial, even if temporary.

Larecoin operates on true self-custody principles. Your wallet. Your keys. Your crypto. Every single transaction.

No holding periods. No withdrawal requests. No third party touching your revenue.

When you accept payments through Larecoin's merchant portal, funds hit your wallet immediately. Not "within 24 hours." Not "after confirmation." Immediately.

That's the difference between custody and self-custody. Between permission and freedom.

NFT Receipts: Why This Changes Everything

Here's where Larecoin separates from the pack entirely.

NOWPayments? Standard transaction records.

CoinPayments? Standard transaction records.

Larecoin? NFT receipts.

Every transaction generates a unique, verifiable NFT receipt on-chain. Immutable. Timestamped. Permanently accessible.

Why does this matter for merchants?

Accounting simplicity. Every receipt exists on-chain forever. No lost invoices. No disputed transactions. No "he said, she said."

Customer experience. Buyers receive collectible proof of purchase. Not a boring email receipt: an actual digital asset.

Fraud prevention. NFT receipts can't be forged or altered. Every transaction has cryptographic proof.

Brand building. Custom NFT receipts become marketing tools. Exclusive designs. Limited editions. Customer loyalty programs built on verifiable ownership.

No other major processor offers this. NOWPayments can't. CoinPayments can't.

This isn't an incremental improvement. It's a fundamental reimagining of transaction records.

LUSD: Stablecoin Payments Without the Volatility Risk

Crypto volatility kills merchant adoption. You accept $100 in ETH. By settlement, it's worth $87. Or $112. Either way: unpredictable.

Stablecoins solve this. But which ones?

NOWPayments supports 30+ stablecoins including USDT, USDC, and DAI. Solid coverage.

CoinPayments supports 21 stablecoins. Fewer options but the major ones are there.

Larecoin introduces LUSD: the native stablecoin built specifically for the Larecoin ecosystem.

LUSD advantages:

• Ecosystem integration. Designed to work seamlessly with Larecoin's merchant tools, DEX, and payment infrastructure.

• Lower friction. No converting between stablecoins. LUSD moves through the ecosystem without additional swaps.

• Community-driven. LUSD operates within Larecoin's DAO governance structure.

Accepting LUSD means stability without relying on centralized stablecoin issuers. Your revenue stays predictable. Your independence stays intact.

Processing Speed & Supported Assets

Speed matters. Especially at checkout.

NOWPayments: Approximately 5 minutes typical processing. TON transactions clear under 1 minute. Layer 2 solutions available.

CoinPayments: Few minutes to several hours depending on network congestion and chosen cryptocurrency.

Larecoin: Optimized for Solana-based transactions. Near-instant finality. Sub-second confirmation times on supported networks.

Asset support comparison:

Processor	Cryptocurrencies	Stablecoins
NOWPayments	300+	30+
CoinPayments	40+	21
Larecoin	Growing ecosystem	LUSD + major stables

NOWPayments wins on sheer volume. If you need to accept obscure altcoins, they've got coverage.

But quantity isn't everything. Larecoin focuses on high-utility assets that merchants actually use. Quality integrations over checkbox features.

Integration & Merchant Tools

Getting set up shouldn't require a development team.

NOWPayments offers REST APIs, webhooks, plugins for major e-commerce platforms. No phone support: email and chat only.

CoinPayments provides similar API access plus a built-in POS solution. Broader support options.

Larecoin delivers:

• Dedicated merchant portal

• Contactless POS integration

• DEX access for instant swaps

• Community support through the Larecoin forum

• AI/ML-powered search tools

The merchant portal centralizes everything. Payment history. NFT receipt management. LUSD balances. Swap functionality.

One dashboard. Complete control.

The Independence Factor

Let's zoom out.

NOWPayments and CoinPayments are solid products. They work. They've processed millions in transactions.

But they're still intermediaries. Still taking percentage cuts. Still holding some level of control over your payment flow.

Larecoin was built differently.

The philosophy: merchants deserve complete autonomy. Not just "non-custodial" marketing speak. Actual independence.

• You control your keys

• You receive funds instantly

• You pay gas only: no processing percentages

• You get verifiable NFT receipts

• You access native stablecoin infrastructure

That's merchant freedom. Not a promise. A protocol.

Who Should Choose What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• API customization is your priority

• You're comfortable with 0.5-1% fees

Choose CoinPayments if:

• You want an established, time-tested solution

• Built-in multi-coin wallet appeals to you

• Broader customer support matters

Choose Larecoin if:

• True self-custody is non-negotiable

• Fee savings directly impact your bottom line

• NFT receipts align with your brand innovation

• You want stablecoin payments without third-party dependencies

• Merchant freedom means more than a marketing tagline

The Bottom Line

The crypto payment processor market has options. NOWPayments and CoinPayments have built legitimate infrastructure.

But "legitimate" isn't the same as "revolutionary."

Larecoin delivers what merchants actually want: lower fees, instant settlement, verifiable receipts, and genuine independence.

No percentages. No custody compromises. No middlemen.

Ready to experience actual merchant freedom?

Explore Larecoin's merchant solutions and see the difference for yourself.