NOWPayments vs CoinPayments vs Larecoin: Which Web3 Global Payments Solution Actually Delivers?

Web3 payments are no longer optional. They're essential.

But here's the problem. Not all crypto payment gateways are built the same. Some lock up your funds. Others hit you with hidden fees. And most? They're just repackaging the same custodial model banks have used for decades.

Let's cut through the noise.

Today we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. Which one actually delivers for merchants who want control, lower fees, and real Web3 functionality?

The Crypto Payment Gateway Landscape in 2026

Merchants are waking up. Traditional payment processors charge 2-4% interchange fees. That's thousands of dollars bleeding out every month.

Crypto payments promise a fix. But not all solutions deliver.

Here's what smart merchants are looking for:

• Self-custody , Your keys, your money

• Low processing fees , Under 1% is the new standard

• Global reach , Accept payments from anywhere

• Modern features , NFT receipts, stablecoins, instant settlement

Let's see how each platform stacks up.

NOWPayments: The Enterprise-Focused Contender

NOWPayments has carved out space in the enterprise market. They support 300+ cryptocurrencies and 30+ stablecoins. That's impressive coverage.

The Good:

• Non-custodial by default , you control your funds

• White-label customization with custom domains

• Customizable network fee management

• 24/7 live chat support

• Immediate withdrawals in your chosen crypto

The Not-So-Good:

• 0.5-1% processing fees add up at scale

• No phone support

• Limited Web3-native features

• No NFT receipt functionality

• No proprietary stablecoin ecosystem

NOWPayments works well for enterprises needing auditability and brand control. Their network fee customization is genuinely useful , letting merchants absorb or blend fees for better conversion rates.

But here's the catch. It's still built on Web2 infrastructure with Web3 bolted on top.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. They've processed billions in transactions. That's credibility.

The Good:

• Established reputation

• 40+ cryptocurrencies supported

• 21 stablecoins available

• Plugin integrations for major platforms

• CSV payouts and crypto-to-fiat settlement

The Not-So-Good:

• Custodial model , they hold your keys

• 0.5-1% processing fees

• No customizable network fee options

• Settlement depends on blockchain confirmation times

• Generated wallets where merchants don't hold private keys

The custodial aspect is the dealbreaker for many. When CoinPayments holds your keys, they hold your funds. That's not Web3. That's Web2 with crypto characteristics.

For merchants prioritizing true financial sovereignty? CoinPayments falls short.

Larecoin: The Web3-Native Challenger

Now let's talk about what happens when you build a payment solution from Web3 principles from day one.

Larecoin isn't just another crypto gateway. It's a complete ecosystem designed for merchants who want:

• True self-custody , Your wallet, your rules

• 50%+ fee reduction compared to traditional processors

• NFT receipts for bulletproof accounting

• LUSD stablecoin for volatility protection

• Receivables tokens , a game-changing innovation

Self-Custody Merchant Accounts

Here's what makes Larecoin different at its core.

You don't deposit funds into Larecoin's wallets. You connect your own. Every transaction settles directly to your self-custody wallet. No intermediary holding your money. No permission needed to access your funds.

This isn't just ideology. It's practical security. When you control your keys, you eliminate counterparty risk.

NFT Receipts for Accounting

Traditional receipts are PDFs. Maybe paper. Easily lost, forged, or disputed.

Larecoin's NFT receipt system creates immutable, on-chain records of every transaction. Each receipt is a verifiable, timestamped proof of payment that lives on the blockchain forever.

For accounting? This is revolutionary. Audits become trivial. Disputes get resolved instantly. Tax documentation is bulletproof.

LUSD Stablecoin Benefits

Crypto volatility kills merchant adoption. Nobody wants to accept $100 and wake up with $85.

LUSD solves this. It's Larecoin's native stablecoin pegged to the US dollar. Merchants can receive payments in any crypto and instantly convert to LUSD for stability.

No more watching charts. No more pricing headaches. Just stable, predictable revenue.

The Receivables Token Innovation

This is where Larecoin gets interesting.

Traditional payment processing locks up your money for days. Sometimes weeks. Chargebacks, holds, reserves , all designed to benefit the processor, not you.

Larecoin's receivables token system tokenizes your incoming payments. This creates liquidity options that simply don't exist in traditional finance. Need working capital? Your receivables become collateral. Want to sell future payments at a discount? The option exists.

It's DeFi meets merchant services. And it's only possible with true Web3 infrastructure.

Feature Comparison: Side by Side

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-Custodial	Custodial	Self-Custody
Processing Fees	0.5-1%	0.5-1%	Lower
Cryptocurrencies	300+	40+	Multi-Chain
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Receivables Tokens	No	No	Yes
Network Fee Control	Yes	No	Yes
Web3-Native	Partial	No	Yes
Crypto POS System	Yes	Yes	Yes

Why Merchants Are Switching to Larecoin

The numbers tell the story.

Merchants using traditional processors pay 2-4% per transaction. That's $20,000-$40,000 per million in sales : gone.

Larecoin merchants are slashing these fees by 50% or more. On a million dollars, that's $10,000-$20,000 back in your pocket. Every year.

But it's not just about fees.

Bank-free business operations are becoming essential. Banks freeze accounts. They demand documentation. They impose limits. With Larecoin's self-custody model, you operate independently of traditional banking rails.

Global reach without borders. Accept payments from customers in 180+ countries without currency conversion headaches or international processing fees.

Instant settlement means your money is your money : immediately. No waiting for batch processing. No holding periods.

Who Should Use What?

Choose NOWPayments if:

• You're an enterprise needing extensive cryptocurrency coverage

• White-label branding is essential

• You want non-custodial but don't need Web3-native features

Choose CoinPayments if:

• You're okay with custodial services

• You need established track record and integrations

• Web3 features aren't a priority

Choose Larecoin if:

• Self-custody and financial sovereignty matter

• You want to reduce merchant interchange fees significantly

• NFT receipts for accounting sound valuable

• You want access to LUSD stablecoin benefits

• Receivables tokens interest you

• You're building a bank-free business operation

Getting Started with Web3 Payments

Ready to make the switch?

Here's the path forward:

1. Evaluate your current fees : Check your statements. Calculate what you're really paying.

2. Test the merchant portal : See the interface. Explore the features.

3. Set up your self-custody wallet : This is the foundation.

4. Integrate the crypto POS system : Start accepting payments.

5. Watch your fee savings stack up : Monthly. Annually. It compounds.

The Web3 payments revolution isn't coming. It's here. The question isn't whether you'll switch to crypto payments. It's which platform you'll trust with your business.

NOWPayments and CoinPayments have their place. But for merchants who want true Web3 functionality : self-custody, NFT receipts, LUSD stability, and receivables tokens : only one platform delivers the complete package.

Your move.