NOWPayments Vs CoinPayments Vs Larecoin: Which Is Better For Your Web3 Global Payments?

Crypto payment gateways aren't all built the same.

You've got legacy players. Newer disruptors. And then there's the next generation of Web3 global payments that actually delivers financial sovereignty.

If you're a merchant looking to reduce interchange fees, accept crypto, and ditch the middlemen: this breakdown is for you.

Let's compare NOWPayments, CoinPayments, and Larecoin head-to-head.

The Quick Overview

Three platforms. Three approaches. Very different outcomes for your business.

NOWPayments: Established in 2019. Non-custodial. Supports 300+ cryptocurrencies. Popular among crypto-native businesses.

CoinPayments: The OG. Around since 2014. 40+ cryptocurrencies. Legacy infrastructure with a familiar interface.

Larecoin: The Web3 disruptor. Self-custody merchant accounts. NFT receipts. LUSD stablecoin. Built for merchants who want more than just payment processing.

Supported Cryptocurrencies & Assets

Volume matters. But so does flexibility.

NOWPayments leads the pack with 300+ cryptocurrencies and 30+ stablecoins. If you need obscure altcoins, they've got coverage.

CoinPayments offers 40+ cryptocurrencies and 21 stablecoins. Solid for mainstream assets. Limited for niche tokens.

Larecoin takes a different approach. Rather than chasing every token, the ecosystem focuses on what merchants actually need:

• LUSD stablecoin for volatility-free transactions

• Receivables tokens for future payment streams

• Cross-chain compatibility via integrated bridge functionality

Quality over quantity. Especially when you're running a real business.

Fees: Where Your Money Actually Goes

Here's where things get interesting.

Both NOWPayments and CoinPayments charge 0.5-1% processing fees. Standard for the industry. Better than credit card processors charging 2.5-3.5%.

But Larecoin? Built to slash merchant interchange fees by 50% or more.

How?

• Gas-only transfers on supported chains

• No hidden conversion fees

• Direct wallet-to-wallet settlements

• Self-custody eliminates custodial overhead

Traditional payment processors take their cut at every step. Larecoin's infrastructure removes those layers entirely.

The math is simple. Lower fees = higher margins.

Custody Model: Who Controls Your Money?

This is the big one.

NOWPayments operates non-custodially. Funds go directly to your wallet. No third-party risk. Solid approach.

CoinPayments uses a custodial model. Your funds sit on their platform until you withdraw. Convenient. But you're trusting them with your assets.

Larecoin delivers true self-custody merchant accounts.

What does that mean?

• You hold the keys

• No platform can freeze your funds

• No withdrawal limits or delays

• Complete financial sovereignty

For merchants burned by payment processor freezes and holds, self-custody isn't a feature: it's a requirement.

NFT Receipts: The Accounting Game-Changer

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts for accounting.

Every Larecoin transaction can generate an on-chain receipt as an NFT. Immutable. Timestamped. Auditable.

Why does this matter?

• Eliminates receipt disputes

• Simplifies tax documentation

• Creates verifiable transaction history

• Integrates with modern accounting workflows

Your accountant will thank you. Your auditors will be impressed. Your records stay bulletproof.

This is Web3 infrastructure actually solving real business problems.

LUSD Stablecoin: Stability Meets Speed

Crypto volatility kills merchant adoption. Nobody wants to accept payment and lose 10% before they can convert.

NOWPayments and CoinPayments offer stablecoin options. USDT, USDC: the usual suspects.

Larecoin's LUSD stablecoin is purpose-built for the ecosystem:

• Pegged stability

• Lower gas fees within the network

• Seamless integration with merchant tools

• No third-party stablecoin dependencies

Accept payment in LUSD. Settle in LUSD. Skip the conversion dance entirely.

Integration & Technical Capabilities

All three platforms offer API access and e-commerce integrations.

NOWPayments: API, plugins for major platforms, widgets, invoicing. Customizable network-fee options give merchants control over who pays gas.

CoinPayments: API, plugins, invoicing. Established integrations with legacy e-commerce systems. Less flexibility on fee structures.

Larecoin: Full Web3 stack. Beyond basic payment processing:

• Contactless POS for physical retail

• Merchant portal dashboard

• DEX integration

• Liquidity pools

• Bridge functionality for cross-chain assets

• AI/ML-powered search tools

Check out the merchant dashboard to see the full toolkit.

Not just a payment gateway. A complete financial operating system.

Settlement Options

Getting paid matters. Getting paid fast matters more.

NOWPayments: API payouts, CSV mass payouts, crypto-to-fiat settlement. Flexible but relies on external conversion services.

CoinPayments: Similar payout options. Crypto-to-fiat available in supported regions.

Larecoin: Direct wallet settlements plus:

• Push-to-card functionality

• Bank-free business operations

• Receivables token for payment streaming

The receivables token is unique. Tokenize future payment streams. Use them as collateral. Trade them. Access liquidity without waiting for settlement.

Financial sovereignty in action.

Global Reach & Compliance

Web3 global payments need to actually work globally.

NOWPayments and CoinPayments both operate internationally. Neither has publicly disclosed MSB/VASP licensing or Proof-of-Reserves.

Larecoin's decentralized architecture means:

• No geographic restrictions on merchant onboarding

• Reduced regulatory friction through self-custody

• Transparent on-chain transactions

• Community governance via DAO

For merchants in underbanked regions or those facing payment processor discrimination, this accessibility is transformative.

The NOWPayments Alternative Verdict

NOWPayments works well for crypto-native businesses prioritizing asset variety. Strong non-custodial approach. Solid fees.

But it's still just a payment gateway.

No NFT receipts. No native stablecoin. No receivables tokens. No integrated DeFi ecosystem.

If you need a NOWPayments alternative with more merchant-focused features, Larecoin delivers.

The CoinPayments Alternative Verdict

CoinPayments has longevity. Established since 2014. Familiar interface.

But legacy infrastructure comes with limitations:

• Custodial model means counterparty risk

• Fewer customization options

• Less innovation in merchant tools

Looking for a CoinPayments alternative with modern self-custody and Web3 capabilities? Larecoin is built for exactly that.

Which Platform Wins?

Depends on what you need.

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• Non-custodial is enough

• Basic payment processing fits your model

Choose CoinPayments if:

• You prefer legacy providers

• Major cryptocurrencies only

• You don't mind custodial risk

Choose Larecoin if:

• Self-custody merchant accounts are non-negotiable

• You want NFT receipts for accounting

• LUSD stablecoin benefits appeal to you

• Slashing fees by 50%+ matters to your margins

• Bank-free business operations is the goal

• You need a crypto POS system for small business

• Web3 global payments with full ecosystem access is the vision

Getting Started

Ready to upgrade your payment infrastructure?

Explore the Larecoin payments ecosystem and see what true financial sovereignty looks like for merchants.

Set up your self-custody merchant account. Accept crypto with confidence. Keep more of what you earn.

The future of Web3 global payments is here. Time to stop paying for outdated infrastructure.