NOWPayments Vs CoinPayments Vs Larecoin: Which Is Better For Your Crypto Merchant Freedom?

Merchant freedom. It's the phrase every crypto payment processor throws around. But what does it actually mean for your bottom line?

Three names dominate crypto merchant conversations right now: NOWPayments, CoinPayments, and Larecoin. Each promises to liberate you from traditional payment rails. Each claims lower fees. Each wants your business.

Here's the honest breakdown. No fluff. Just facts that help you decide which platform actually delivers on merchant independence.

The Fee Reality Check

Let's talk money first. Because that's why you're here.

NOWPayments and CoinPayments both operate on a 0.5-1% processing fee model. Sounds great compared to the 2.5-3.5% traditional card processors charge, right?

Run the numbers. $500,000 in annual volume means $2,500-$5,000 going to your payment processor. Every. Single. Year.

Larecoin works differently. Gas-only transfers. No percentage cuts. That same $500,000 volume? Under $2,000 annually in total costs.

That's not incremental improvement. That's structural disruption.

The difference compounds. Scale to $1 million? $5 million? The gap widens dramatically. Percentage-based fees punish growth. Gas-only models reward it.

Custody: Who Actually Controls Your Money?

Here's where things get interesting.

CoinPayments holds your funds during processing. Standard custodial model. Your crypto sits in their wallets until settlement.

NOWPayments offers flexibility. Custodial or non-custodial options exist. You can route payments directly to your wallet or use their custodial features.

Larecoin takes an absolute stance. Full self-custody. Period.

Funds hit your wallet immediately. No intermediary holding. No waiting for settlement batches. No third-party custody risk.

Why does this matter?

Three words: Not your keys, not your crypto.

Every moment your revenue sits in someone else's wallet represents counterparty risk. Exchange hacks happen. Platform insolvencies happen. Regulatory seizures happen.

Self-custody eliminates that entire risk category. Your revenue. Your wallet. Your control.

Speed: Seconds vs Minutes vs Hours

Transaction finality varies wildly across platforms.

Platform	Settlement Speed
NOWPayments	~5 minutes
CoinPayments	Minutes to hours
Larecoin	Sub-second

CoinPayments depends heavily on network congestion. Bitcoin payments during high-traffic periods? Could wait hours. Ethereum during a popular NFT drop? Same story.

NOWPayments averages around 5 minutes. Consistent. Predictable. But still not instant.

Larecoin runs on Solana. Sub-second finality. Transaction confirms before your customer finishes saying "thank you."

For retail environments, speed matters. Nobody wants customers waiting at checkout while transactions confirm. Sub-second finality means crypto payments feel as instant as tapping a card.

Setup Complexity: Developer Hours vs Minutes

Time is money. Setup time especially.

NOWPayments requires API integration. Documentation. Developer resources. Testing environments. For enterprise merchants with tech teams, this works fine. For small businesses? It's a barrier.

CoinPayments follows a similar pattern. Moderate technical complexity. Plugin integrations help, but customization demands development work.

Larecoin eliminates the technical barrier entirely. QR-based checkout. No hardware requirements. No coding. No API calls.

Setup takes minutes. Literally.

Print a QR code. Accept payments. That's the entire onboarding process.

This accessibility gap matters enormously. Crypto adoption stalls when implementation requires hiring developers. When a food truck owner can accept LUSD as easily as a tech company, real merchant freedom arrives.

The Feature Comparison

Let's get granular.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Cryptocurrencies	300+	40+	Comprehensive + LUSD
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD integrated
Self-Custody	Optional	No	Default
Setup Complexity	High	Moderate	Minimal
Transaction Speed	~5 min	Variable	Sub-second

Two features deserve deeper attention.

NFT Receipts: The Accounting Revolution

Traditional receipts? Paper or PDF. Easy to lose. Hard to verify. Nightmare for accounting.

NFT receipts change everything.

Every Larecoin transaction mints an immutable receipt directly to the blockchain. Timestamped. Verifiable. Permanent.

For merchants, this means:

• Automated reconciliation : no manual matching

• Audit-ready records : immutable proof of every transaction

• Zero paperwork : digital by default

• Customer proof of purchase : verifiable ownership history

NOWPayments and CoinPayments don't offer this. They can't. Their architecture doesn't support native NFT functionality.

This isn't a feature. It's a paradigm shift in transaction documentation.

LUSD: Stability Meets Crypto Freedom

Volatility kills merchant adoption.

Accept Bitcoin today. Worth 5% less tomorrow. That's not sustainable for businesses operating on thin margins.

LUSD : Larecoin's native stablecoin : solves this directly. Pegged stability. Crypto rails. No conversion fees.

Merchants get:

• Price certainty at point of sale

• Instant settlement without volatility risk

• No third-party stablecoin dependency

• Native ecosystem integration

NOWPayments supports various stablecoins. CoinPayments too. But neither has native stablecoin integration built into their core infrastructure.

LUSD isn't bolted on. It's built in.

Which Platform Fits Your Business?

Different merchants have different priorities. Here's the honest assessment.

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Your team has developer resources

• You want optional custodial services

• Established ecosystem matters more than cutting-edge features

Choose CoinPayments if:

• You're already integrated and switching costs are high

• Basic crypto acceptance meets your needs

• You don't prioritize self-custody

Choose Larecoin if:

• Fee savings matter to your margins

• Self-custody is non-negotiable

• You want NFT receipts for automated accounting

• Fast setup without developers appeals to you

• Sub-second transaction finality improves customer experience

• LUSD stability eliminates volatility concerns

The Merchant Freedom Question

Back to where we started. Merchant freedom.

NOWPayments and CoinPayments improved on traditional payment processing. Lower fees. More currencies. Faster settlements than banks.

Larecoin asks a different question entirely: What if merchants controlled everything?

• Your wallet : not theirs

• Gas fees : not percentage cuts

• Instant finality : not waiting periods

• NFT documentation : not paper trails

• Native stability : not third-party dependencies

That's the difference between incremental improvement and structural change.

Making Your Move

Ready to explore true merchant independence?

Visit Larecoin to see the ecosystem firsthand. Check the marketplace forum for merchant discussions. Connect with global collaborations already building on Larecoin infrastructure.

The crypto payment landscape keeps evolving. The question isn't whether to accept digital assets. It's which platform actually delivers freedom : not just promises it.

Your revenue. Your custody. Your choice.