NOWPayments vs CoinPayments vs Larecoin: Which Web3 Global Payments Solution Actually Has Your Back?

Choosing a crypto payment processor in 2026 feels like picking a phone plan. Everyone promises "the best rates." Everyone claims to be "merchant-friendly." And somehow, you still end up confused, overpaying, or worse, locked out of your own funds.

Let's cut through the noise.

NOWPayments. CoinPayments. Larecoin. Three platforms. Three philosophies. One winner for your business.

Time to break it down.

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The Quick Rundown

Before we dive deep, here's what each platform brings to the table:

NOWPayments: Non-custodial processor supporting 300+ cryptocurrencies. Popular with enterprises. Solid API integrations. 24/7 chat support.

CoinPayments: Veteran in the space. Broader long-tail token coverage. Custodial model, meaning they hold your keys.

Larecoin: Full Web3 payments ecosystem. Receivables token (LARE). Stablecoin (LUSD). Self-custody Smart Wallet. NFT receipts. QR-generated POS. And interchange fees slashed by 50%.

See the difference yet?

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Custody: Who Actually Controls Your Money?

This is where things get real.

CoinPayments operates a custodial model. Your crypto sits in their generated wallets. You don't have private key access. Translation: not your keys, not your crypto. If something goes sideways, you're waiting on their support team.

NOWPayments flips the script. Non-custodial. Immediate withdrawals. They never touch your funds. Solid.

Larecoin takes it further with the Smart Wallet. Full self-custody. Your keys. Your tokens. Your control.

But here's the kicker, Larecoin's Smart Wallet isn't just a vault. It's an operational hub. Manage LARE tokens. Hold LUSD stablecoins. Process payments through LarePAY. All from one interface.

Self-custody shouldn't mean sacrificing functionality. Larecoin proves that.

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Fee Structure: Where Your Margins Live or Die

Let's talk numbers.

Both NOWPayments and CoinPayments charge 0.5–1% processing fees. Payouts? 0% service fees on both. Fair enough.

But they're still playing within the traditional interchange framework. Network fees pile up. Gas costs fluctuate. Your margins take the hit.

Larecoin slashes interchange fees by 50% compared to legacy payment systems.

How?

The LARE token operates as a receivables token, not just a payment vehicle. Combined with LUSD (the stablecoin layer) and gas-only transfers through LareBlocks, the entire fee structure gets reimagined.

For merchants processing high volumes, this isn't a minor perk. It's the difference between scaling profitably and bleeding out on transaction costs.

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Integration & POS: Meeting Merchants Where They Are

NOWPayments offers APIs, plugins, widgets, and POS integrations. Flexible. Developer-friendly. No complaints.

CoinPayments provides similar API and dashboard functionality. Gets the job done.

Larecoin introduces QR-generated POS systems.

No hardware. No complex setups. Generate a QR code. Customer scans. Payment complete.

Whether you're running a brick-and-mortar shop, a pop-up, or a full e-commerce operation, Larecoin's contactless POS adapts. The merchant portal centralizes everything.

This isn't just "another integration option." It's a rethinking of how point-of-sale works in a Web3 world.

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NFT Receipts: Tax Season Just Got Smarter

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every transaction through Larecoin can generate an immutable, on-chain receipt as an NFT. Timestamped. Verified. Permanent.

Why does this matter?

• Tax compliance: Auditors love verifiable records. NFT receipts provide exactly that.

• Accounting simplicity: No more digging through transaction hashes. Your receipts live in your wallet.

• Dispute resolution: Immutable proof of payment. Done.

For businesses navigating crypto accounting nightmares, this feature alone justifies the switch.

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The Ecosystem Factor

NOWPayments processes payments. CoinPayments processes payments.

Larecoin builds ecosystems.

Here's what you get:

• LARE: The receivables token powering the network

• LUSD: Stablecoin for predictable settlements

• LarePAY: Payment processing layer

• LareBlocks: Infrastructure for gas-only transfers

• Smart Wallet: Self-custody with full functionality

• NFT Trading: Built into the ecosystem

• DAO Governance: Community-driven development

This isn't a payment processor bolted onto existing rails. It's a complete Web3 financial infrastructure designed from the ground up.

Merchants don't just accept crypto. They participate in an ecosystem that grows with them.

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Crypto Support: Quality Over Quantity

NOWPayments supports 300+ cryptocurrencies. Impressive on paper.

CoinPayments covers 40+ cryptos with broader long-tail token access.

Larecoin focuses on what merchants actually need.

LARE. LUSD. Major chains. Clean integrations.

More tokens don't necessarily mean better service. They often mean more complexity, more attack vectors, and more volatility exposure.

Larecoin's curated approach prioritizes stability, speed, and practical utility over checkbox features.

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Support & Reliability

NOWPayments: 24/7 live chat. No phone support. Responsive for most issues.

CoinPayments: Standard dashboard support. Community forums.

Larecoin: Dedicated merchant portal. Community forums for updates. Direct support channels.

The difference? Larecoin treats merchants as ecosystem participants, not just customers to be processed.

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The Bottom Line Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody Smart Wallet
Processing Fees	0.5–1%	0.5–1%	50% lower than legacy
NFT Receipts	No	No	Yes
QR POS	Limited	Limited	Native QR-generated
Stablecoin	Third-party	Third-party	Native LUSD
Ecosystem	Payment processor	Payment processor	Full Web3 infrastructure
Receivables Token	No	No	LARE token

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Who Should Use What?

Choose NOWPayments if:

• You need non-custodial processing today

• Enterprise-level API requirements

• 300+ crypto support matters more than ecosystem depth

Choose CoinPayments if:

• Long-tail token access is critical

• You're comfortable with custodial arrangements

• Basic processing meets your needs

Choose Larecoin if:

• You want self-custody without sacrificing features

• Lower fees directly impact your margins

• NFT receipts solve real accounting headaches

• QR-based POS fits your operations

• You're building for the Web3 future, not patching legacy systems

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The Verdict

NOWPayments and CoinPayments are solid payment processors. They do what they promise.

But they're playing defense. Iterating on existing models. Patching holes.

Larecoin plays offense.

Receivables tokens. Native stablecoins. NFT receipts. QR POS. Self-custody wallets. 50% lower fees.

This isn't incremental improvement. It's a different game entirely.

The question isn't which payment processor has your back.

It's which one is building the future you want to operate in.

Ready to explore what Larecoin can do for your business? Start here.