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

Stop paying the "growth tax."

If you are a merchant today, you are likely losing 0.5% to 3% of every single transaction to a middleman. Whether it’s traditional credit card processors or even popular crypto gateways, the model is the same: the more you sell, the more they take.

For a high-growth business, this is a massive leak in your bucket.

We are in 2026. The Web3 revolution isn't just coming; it’s here. If you want to reduce merchant interchange fees and actually own your financial pipeline, you need to look beyond the legacy "crypto-payment-processors" and move toward a true Web3 global payment solution.

Today, we’re putting three heavyweights in the ring: NOWPayments, CoinPayments, and Larecoin.

One of these is built for the old world. One is a bridge. One is the future. Let’s dive in.

The Fee War: Percentage vs. Zero

Most payment gateways operate on a percentage-based fee structure. It sounds small at first: 0.5% here, 1% there: but let’s look at the math for a scaling business.

NOWPayments & CoinPayments

Both NOWPayments and CoinPayments are solid platforms, but they operate on the old "toll booth" model.

• NOWPayments: Generally charges around 0.5% per transaction.

• CoinPayments: Charges a flat 0.5% fee for most transactions.

If your business is doing $500,000 a year, you’re paying $2,500 in fees. If you scale to $5,000,000, you’re handing over $25,000. That’s a full-time salary or a massive marketing budget gone just for the "privilege" of accepting money.

Larecoin: The Gas-Only Model

Larecoin is a NOWPayments alternative and a CoinPayments alternative that flips the script. We operate on a gas-only model.

What does that mean? It means Larecoin charges zero platform fees. You only pay the network gas fee (which, on Solana, is a fraction of a penny).

Whether you process $10 or $10,000,000, Larecoin doesn’t take a cut of your volume. This can slash your costs by 50% to 80% compared to traditional crypto gateways. For merchant growth, this isn't just a saving; it's a competitive advantage.

Speed: Sub-Second Finality vs. The Waiting Game

In retail, speed is everything. In e-commerce, settlement time affects your cash flow.

• NOWPayments: Usually takes about 5 minutes for settlement. They have to wait for network confirmations and then process the transaction through their internal ledger.

• CoinPayments: Settlement times are variable and often depend on the specific coin being used. It can take anywhere from a few minutes to half an hour.

• Larecoin: Built on the Solana blockchain, Larecoin offers sub-second finality.

When a customer pays, the transaction is settled before they can even put their phone back in their pocket. This makes Larecoin the ultimate crypto POS system for small business and high-traffic retail. No more awkward "waiting for confirmation" moments at the register.

Accounting Revolution: NFT Receipts

Every merchant knows the headache of month-end reconciliation. Traditional processors give you a CSV file. If you're lucky, it matches your bank statement.

Larecoin introduces NFT receipts for accounting.

Every transaction on the Larecoin network generates a unique NFT receipt. This receipt is an immutable, blockchain-verified record of the sale.

• It can’t be faked.

• It can’t be lost.

• It’s instantly auditable.

Your accounting team (or your AI bookkeeper) can simply scan the blockchain to reconcile every single penny. This level of transparency is something NOWPayments and CoinPayments simply don't offer. If you want to learn more about this, check out our ultimate guide to Web3 global payments.

Custody: Who Really Owns Your Money?

This is the biggest differentiator in the Web3 space.

NOWPayments and CoinPayments are managed services. When a customer pays you, the funds go into their wallet first. You then have to "withdraw" your funds to your own wallet or bank account.

If their platform goes down, or if they decide to freeze your account for "compliance reasons," your money is stuck.

Larecoin provides self-custody merchant accounts. With Larecoin, there is no middleman holding your funds. The payment goes directly from the customer’s wallet to your wallet. You have 100% financial sovereignty from the second the transaction is initiated.

No withdrawal limits. No "pending" status. No counterparty risk. This is the definition of bank-free business operations.

Stability: LUSD Stablecoin Benefits

One of the main arguments against crypto payments is volatility. No merchant wants to accept $100 only for it to be worth $90 by the time they pay their suppliers.

NOWPayments and CoinPayments solve this by letting you auto-convert to other stablecoins (like USDT or USDC). However, these conversions often come with extra fees and reliance on centralized issuers.

LUSD (Larecoin USD) is our native stablecoin designed for the ecosystem.

• Low-cost transfers: Being part of the Larecoin/Solana ecosystem, moving LUSD is nearly free.

• Instant liquidity: Use it to pay suppliers or convert it through the Larecoin exchange.

• Yield opportunities: Unlike holding cash in a business checking account that pays 0.01% interest, LUSD can be put to work in the Web3 ecosystem.

Scaling with Receivables Tokens

Larecoin goes beyond just "accepting payments." We are building a full financial stack for merchants.

One of our most innovative features is the receivables token. Imagine you have $50,000 in expected payments coming in over the next 30 days. In the traditional world, you’d have to wait or take out a high-interest bridge loan.

In the Larecoin ecosystem, you can tokenize those receivables. You can gain liquidity against your future sales without ever stepping foot in a bank. This is how you fuel merchant growth in 2026.

Comparison Summary: At A Glance

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	~0.5%	0.5%	0% (Gas Only)
Settlement Speed	~5 Minutes	Variable	Sub-Second
Custody	Managed (Third-party)	Managed (Third-party)	Self-Custody
Receipts	Digital/Email	Digital/Email	NFT Receipts
Infrastructure	Centralized API	Centralized API	Decentralized Web3
Special Features	Fiat Off-ramps	2,000+ Coins	Receivables Tokens / LUSD

The Verdict: Which Is Better For You?

If you are a tiny hobbyist who only takes one payment a month and needs 2,000 different obscure altcoins, CoinPayments is a decent choice.

If you are a large enterprise that needs a heavily managed "White Glove" service and you don't mind paying the 0.5% "success tax," NOWPayments is a strong contender.

But if you are a growth-minded merchant who wants to:

1. Eliminate unnecessary percentage-based fees.

2. Maintain 100% control of your funds (Self-Custody).

3. Automate your accounting with NFT receipts.

4. Scale your business using Web3 financial tools like receivables tokens.

Then Larecoin is the clear winner.

We aren't just a payment gateway; we are an ecosystem designed to help you run a bank-free business. We are currently in the middle of a 100-post Larecoin marathon showing exactly how Web3 is solving real-world problems.

Don't let legacy fees eat your margins. Join the Web3 revolution.

Ready to Upgrade Your Business?

• Stop the bleed: Switch to a gas-only model today.

• Get Sovereign: Set up your self-custody merchant account.

• Go Global: Accept payments from anyone, anywhere, instantly.

The future of commerce isn't on a bank ledger. It's on the blockchain. Let's grow together.

Join the conversation: Visit our forum to talk strategy with other Web3 merchants.