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

The crypto payments space is crowded. Noisy. Full of promises.

But here's the thing, most solutions still operate like it's 2019. Custodial wallets. Limited features. Same old fee structures that eat into your margins.

You need a Web3 global payments solution that actually works. One that slashes fees, keeps you in control, and doesn't treat your business like a piggy bank.

Let's break down how NOWPayments, CoinPayments, and Larecoin stack up. No fluff. Just facts.

The Quick Rundown

Before diving deep, here's the 30-second version:

NOWPayments , Solid non-custodial option. 300+ cryptos. Industry-standard fees.

CoinPayments , Been around forever. Custodial model. 40+ cryptos.

Larecoin , Full Web3 ecosystem. Self-custody. NFT receipts. LUSD stablecoin. Receivables token. The whole package.

Now let's get into the details.

Cryptocurrency Support: Who Gives You More Options?

NOWPayments: 300+ cryptocurrencies. 30+ stablecoins. Impressive breadth.

CoinPayments: 40+ cryptocurrencies. 21 stablecoins. Decent, but limited.

Larecoin: Full crypto support PLUS the LUSD stablecoin built right into the ecosystem. That's a game-changer for merchants worried about volatility.

Here's the difference: NOWPayments and CoinPayments let you accept crypto. Larecoin lets you operate entirely in crypto with built-in stability tools.

The LUSD stablecoin benefits are massive:

• No volatility headaches

• Instant settlement

• Seamless conversion

• Global acceptance

For any crypto POS system for small business, stability isn't optional. It's everything.

Custody & Security: Who Actually Protects Your Funds?

This is where things get interesting.

CoinPayments: Custodial. They hold your funds. You don't control the private keys. That's a red flag for anyone serious about financial sovereignty.

NOWPayments: Non-custodial by default. Funds go directly to your wallet. Better. Much better.

Larecoin: Self-custody merchant accounts with complete control. Your keys. Your crypto. Your business.

But Larecoin goes further.

Self-custody means:

• No third-party risk

• Instant access to your funds

• Zero withdrawal delays

• Bank-free business operations

When you're looking for a NOWPayments alternative or CoinPayments alternative, custody should be your first question. If you don't hold the keys, you don't hold the crypto.

Fees: The Real Cost of Doing Business

Let's talk money. Because fees compound. Fast.

NOWPayments: 0.5-1% processing fees. Customizable network-fee options. No payout fees.

CoinPayments: 0.5-1% processing fees. Similar structure. Less flexibility.

Larecoin: Designed to reduce merchant interchange fees by 50%+. Gas-only transfers. Minimal overhead.

That's not a typo. 50% or more savings on interchange fees.

Traditional payment processors eat 2-3% on every transaction. Crypto solutions typically take 0.5-1%. Larecoin pushes that even lower with gas-only transfer technology.

For a small business processing $50,000/month:

• Traditional payments: $1,000-1,500 in fees

• NOWPayments/CoinPayments: $250-500 in fees

• Larecoin: Significantly less with gas-only structure

The math speaks for itself.

The Feature That Changes Everything: NFT Receipts

Here's where Larecoin separates from the pack entirely.

NFT receipts for accounting.

Every transaction generates an immutable, verifiable receipt on the blockchain. Think about what that means:

• Automatic audit trails

• Tamper-proof records

• Simplified tax reporting

• Real-time reconciliation

NOWPayments doesn't offer this. CoinPayments doesn't either.

This isn't just a nice feature. It's the future of business accounting. When regulators come knocking, when auditors need documentation, when you need to prove a transaction happened: NFT receipts deliver.

The Receivables Token: Your Business on the Blockchain

Traditional invoicing is broken. Send an invoice. Wait. Follow up. Wait more. Chase payments.

Larecoin introduces the receivables token concept.

Your outstanding invoices become tradeable assets. Tokenized receivables mean:

• Improved cash flow

• Instant liquidity options

• Reduced collection overhead

• Transparent payment tracking

Neither NOWPayments nor CoinPayments touches this space. They process payments. Larecoin transforms how payments work entirely.

Integration & Merchant Tools

NOWPayments:

• API access

• Invoice generation

• Subscription billing

• White-label options

• 24/7 support

CoinPayments:

• API access

• Invoice tools

• Recurring payments

• White-label capabilities

• Limited support (no phone)

Larecoin:

• Full merchant portal

• Contactless POS system

• Smart wallet integration

• DAO governance

• Exchange and liquidity pools

• Bridge and swap functionality

The difference? NOWPayments and CoinPayments are payment processors. Larecoin is an entire Web3 ecosystem.

You're not just accepting crypto. You're plugging into:

• Decentralized exchange

• Liquidity pools

• Cross-chain bridging

• AI-powered search

• NFT trading capabilities

That's what a real Web3 global payments solution looks like.

Global Reach: Breaking Down Borders

Bank-free business operations. That's the promise. Let's see who delivers.

CoinPayments: Global but limited by custodial restrictions. Subject to various compliance requirements.

NOWPayments: Better global coverage with non-custodial approach. Still dependent on traditional banking rails for fiat conversion.

Larecoin: True financial sovereignty. Accept payments from anywhere. Pay out anywhere. No banking gatekeepers.

For businesses operating internationally, banking restrictions kill deals. Chargebacks destroy margins. Currency conversion fees stack up.

Larecoin eliminates all three.

Support & Documentation

Quick hits:

NOWPayments: 24/7 live chat. Dedicated account managers for large clients. Solid.

CoinPayments: No phone support. Limited response times. Adequate.

Larecoin: Full ecosystem support. Community-driven. Active forum. Growing resources.

The Verdict: Larecoin Wins

Here's the honest breakdown:

Choose NOWPayments if:

• You need maximum crypto variety (300+ coins)

• Non-custodial is your only requirement

• You're comfortable with standard fee structures

Choose CoinPayments if:

• You're already locked in

• Basic functionality is sufficient

• Custody concerns don't bother you (they should)

Choose Larecoin if:

• You want to reduce merchant interchange fees dramatically

• NFT receipts for accounting matter to your business

• Self-custody merchant accounts are non-negotiable

• You need a complete Web3 ecosystem, not just payment processing

• Financial sovereignty drives your decisions

• You're building for the future, not patching the past

Ready to Make the Switch?

The payments industry is shifting. Web3 isn't coming: it's here.

NOWPayments improved on traditional crypto processing. CoinPayments established the category. Larecoin is building what comes next.

Lower fees. True self-custody. NFT receipts. Receivables tokenization. Complete ecosystem integration.

That's not incremental improvement. That's transformation.

Ready to see the difference? Explore the merchant solutions and join businesses already operating in Web3.

The future of payments is decentralized. Is your business ready?