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

Web3 payments are heating up. Merchants everywhere are ditching legacy payment rails. The question isn't if you should switch: it's which platform actually delivers.

Three names keep popping up: NOWPayments, CoinPayments, and Larecoin.

Time to break it down. No fluff. Just facts.

The Contenders at a Glance

NOWPayments launched as a non-custodial crypto payment gateway. Supports 300+ assets. Popular with e-commerce stores wanting quick integration.

CoinPayments has been around since 2013. Custodial model. Covers 40+ cryptocurrencies. Legacy player in the space.

Larecoin is the new challenger. Built from the ground up for Web3-native merchants. Receivables tokens. LUSD stablecoin. NFT receipts. Self-custody by default.

Let's see who actually wins.

Fee Structure: Where Your Money Actually Goes

Here's where things get interesting.

Both NOWPayments and CoinPayments charge 0.5-1% processing fees. Sounds reasonable until you realize traditional interchange fees still eat 2-3% of every transaction.

Larecoin plays a different game entirely.

The Larecoin ecosystem slashes merchant interchange fees by 50% or more. How? Through receivables tokens and direct wallet-to-wallet settlements.

No middlemen skimming off the top. No hidden network fees buried in the fine print.

For a merchant processing $100,000 monthly, that's potentially $1,500+ back in your pocket every single month.

NOWPayments offers customizable network fees: nice touch. CoinPayments keeps it simple with flat rates.

But neither can match Larecoin's structural advantage. The fee savings aren't a feature. They're baked into the architecture.

Winner: Larecoin

Self-Custody: Who Actually Controls Your Funds?

This is where Web3 gets real.

NOWPayments operates non-custodially. Funds go directly to your wallets. You keep your private keys. Solid approach.

CoinPayments runs a custodial model. Your crypto sits in their wallets until you withdraw. Third-party risk is real.

Larecoin takes self-custody to another level.

Every transaction settles directly to merchant-controlled wallets. No waiting periods. No withdrawal limits. No counterparty risk.

Your keys. Your crypto. Your business.

In 2024 alone, centralized crypto platforms lost billions to hacks and insolvencies. Self-custody isn't paranoia: it's survival.

NOWPayments gets partial credit here. CoinPayments loses points for the custodial approach.

Larecoin wins because self-custody isn't optional: it's mandatory.

Winner: Larecoin

Stablecoin Integration: The LUSD Advantage

Volatility kills merchant adoption. Nobody wants to accept $100 and wake up to $85.

All three platforms support stablecoins. But the implementation varies wildly.

NOWPayments supports 30+ stablecoins including USDT and USDC. Decent coverage.

CoinPayments offers 21 stablecoins. Fewer options but the major ones are there.

Larecoin built its own: LUSD.

Why does that matter?

LUSD is purpose-built for the Larecoin ecosystem. Optimized for merchant settlements. Lower gas fees. Faster confirmations. Native integration with receivables tokens.

Using USDT on NOWPayments means you're still subject to Tether's infrastructure. Same with USDC on CoinPayments.

LUSD gives merchants a stablecoin designed specifically for payments, not speculation.

Plus: gas-only transfers mean you're not paying percentage fees just to move your own money.

Winner: Larecoin

NFT Receipts: The Feature Nobody Else Has

Here's where Larecoin leaves the competition in the dust.

NOWPayments? No NFT receipts.

CoinPayments? No NFT receipts.

Larecoin? NFT receipts are built-in.

Every transaction generates a verifiable, on-chain receipt as an NFT. Immutable proof of purchase. Forever.

Why does this matter for merchants?

• Warranty verification without paper records

• Loyalty programs tied to purchase history

• Returns processing with tamper-proof documentation

• Tax compliance with blockchain-verified records

For customers, NFT receipts unlock:

• Proof of authenticity for resale

• Collectible receipts from favorite brands

• Integrated rewards tied to spending history

This isn't a gimmick. It's the future of commercial documentation.

NOWPayments and CoinPayments are still operating in the receipt dark ages. Paper trails and database entries.

Larecoin merchants are already living in 2030.

Winner: Larecoin (by a mile)

Asset Support and Integration

Numbers game time.

NOWPayments: 300+ cryptocurrencies CoinPayments: 40+ cryptocurrencies Larecoin: Native LARE token, LUSD stablecoin, plus cross-chain compatibility

NOWPayments wins on raw numbers. But here's the thing: do you really need 300 coins?

Most merchants accept 3-5 payment options max. The long tail of obscure tokens rarely gets used.

What matters more:

• Fast settlement times

• Low network fees

• Stable value options

• Easy integration

Larecoin focuses on quality over quantity. The tokens that matter. The stablecoins that work. The infrastructure that scales.

CoinPayments sits in the middle. Decent coverage. Nothing special.

Winner: Tie between NOWPayments (quantity) and Larecoin (quality)

Integration and Onboarding

Time is money. How fast can you get live?

NOWPayments offers instant self-serve registration. Minimal KYB requirements. 24/7 live chat support. Quick setup for most e-commerce platforms.

CoinPayments requires more verification. Longer onboarding. Traditional support channels.

Larecoin combines the best of both. Fast onboarding with merchant-focused tools. Contactless POS integration. Smart wallet support. Merchant portal access designed for Web3-native businesses.

For developers, Larecoin's API documentation is clean. SDK support is solid. Integration with metaverse platforms: already built.

Check out how metaverse commerce is evolving: Why Metaverse Shopping Will Change the Way You Accept Payments Forever

Winner: NOWPayments (speed) / Larecoin (features)

The Comparison Table

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	50%+ savings vs traditional
Custody Model	Non-custodial	Custodial	Self-custody
Stablecoins	30+	21	LUSD (native)
NFT Receipts	❌	❌	✅
Supported Assets	300+	40+	Quality-focused
Metaverse Ready	Limited	No	✅
Receivables Tokens	❌	❌	✅

The Verdict: Larecoin Wins

Let's be real.

NOWPayments is a solid gateway. Good for basic crypto acceptance. Non-custodial approach is smart.

CoinPayments is showing its age. Custodial model feels dated. Limited innovation.

Larecoin is built for what's next.

50%+ fee savings. Self-custody by default. LUSD stablecoin integration. NFT receipts that actually add value. Receivables tokens that transform how merchants handle payments.

If you're still comparing based on how many obscure altcoins a platform supports, you're asking the wrong questions.

The real question: Which platform gives merchants financial sovereignty while cutting costs?

That's Larecoin.

Ready to Make the Switch?

Stop leaving money on the table. Stop trusting third parties with your funds. Stop using payment infrastructure designed for Web2.

Larecoin is the Web3 global payments solution that actually delivers.

Learn more about how Larecoin stacks up against the competition:

• NOWPayments vs Larecoin: Which Crypto POS System Actually Slashes Your Interchange Fees

• CoinPayments vs Larecoin: Why Receivables Tokens Are Changing Web3 Payments

Join the Larecoin Community and see why merchants are switching.

The future of payments isn't coming. It's here.