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

Web3 global payments are reshaping how businesses operate. Traditional processors? They're bleeding merchants dry with interchange fees, chargebacks, and endless red tape.

The future is decentralized. The future is crypto.

But here's the catch: not all crypto payment solutions are created equal. NOWPayments, CoinPayments, and Larecoin each offer unique approaches to merchant payments. Which one actually delivers for your business?

Let's break it down.

The Quick Rundown: Three Contenders, One Winner

Before diving deep, here's what you need to know about each platform:

NOWPayments , A popular non-custodial gateway supporting 300+ cryptocurrencies. Solid reputation. Standard fees. Limited innovation beyond basic payment processing.

CoinPayments , One of the oldest crypto payment processors. Supports 40+ cryptocurrencies. Custodial by nature. You don't control your keys.

Larecoin , A next-generation Web3 payments ecosystem featuring self-custody merchant accounts, NFT receipts for accounting, the LUSD stablecoin, and receivables tokens. Built for merchants who want to slash fees by 50%+ while maintaining complete financial sovereignty.

Cryptocurrency Support: How Many Coins Do You Actually Need?

NOWPayments wins on sheer numbers. 300+ cryptocurrencies. 30+ stablecoins. Impressive on paper.

CoinPayments offers around 40+ cryptocurrencies with 21 stablecoins. More limited, but still covers the major players.

Larecoin takes a different approach. Instead of drowning merchants in hundreds of obscure tokens, the platform focuses on:

• LUSD stablecoin , Pegged stability for predictable revenue

• LARE token , Native ecosystem utility

• Major cryptocurrencies , Bitcoin, Ethereum, Solana, and high-demand assets

• Cross-chain compatibility , Swap and bridge functionality built in

The verdict? More coins don't equal more value. Smart coin selection with stablecoin stability wins every time.

Self-Custody: Who Actually Controls Your Money?

This is where things get serious.

CoinPayments is custodial. They generate wallets. They hold your funds. You don't control the private keys. That's a massive security risk and a dealbreaker for businesses prioritizing financial sovereignty.

NOWPayments is non-custodial by default. Funds go directly to your wallets. You keep your keys. Better. Much better.

Larecoin takes self-custody to the next level. Self-custody merchant accounts mean you're not just receiving payments, you're building a bank-free business operation. No intermediary holding your revenue hostage. No waiting for "approval" to access your own money.

This matters for:

• Reducing counterparty risk

• Instant settlement to your wallet

• Complete control over treasury management

• No frozen accounts or arbitrary restrictions

Processing Fees: Where Your Profits Actually Go

Let's talk numbers.

Platform	Processing Fee	Service Fee	Notes
NOWPayments	0.5-1%	0% payouts	Customizable network fees
CoinPayments	0.5-1%	0% payouts	Limited fee flexibility
Larecoin	Ultra-low	Gas-only transfers	50%+ savings vs. traditional

Traditional credit card processors charge 2.5-3.5% per transaction. That's before chargebacks, monthly fees, and hidden costs.

NOWPayments and CoinPayments reduce this to 0.5-1%. Decent improvement.

Larecoin slashes merchant interchange fees even further. Gas-only transfers mean you're paying network costs, not platform markups. For high-volume merchants, this translates to thousands saved annually.

Looking to reduce merchant interchange fees? This is your answer.

NFT Receipts: The Accounting Innovation Nobody Saw Coming

Here's where Larecoin completely separates from the pack.

Neither NOWPayments nor CoinPayments offers NFT receipts.

Larecoin does.

What Are NFT Receipts for Accounting?

Every transaction generates an immutable, on-chain receipt minted as an NFT. This creates:

• Permanent proof of payment , No lost invoices

• Automatic audit trail , Blockchain-verified records

• Simplified tax compliance , Every transaction timestamped and traceable

• Reduced accounting overhead , Less manual reconciliation

For businesses operating globally, NFT receipts for accounting solve a massive pain point. No more hunting through email threads or payment processor dashboards. Everything lives on-chain. Forever.

The LUSD Stablecoin Advantage

Volatility kills businesses. You accept $1,000 in crypto today, tomorrow it's worth $850. Or $1,200. Unpredictable.

NOWPayments supports stablecoins. CoinPayments too. But they're just passing through third-party tokens.

Larecoin built LUSD directly into the ecosystem.

LUSD Stablecoin Benefits:

• Pegged stability , Revenue stays predictable

• Ecosystem integration , Seamless within Larecoin's merchant tools

• Lower conversion friction , No jumping between platforms

• Yield opportunities , Put your stablecoin holdings to work

This isn't just accepting crypto. It's building a complete treasury strategy around stable, programmable money.

Receivables Token: Turning Invoices Into Liquidity

This is genuinely revolutionary.

Traditional business: You invoice a customer. Wait 30, 60, 90 days for payment. Cash flow suffers.

Larecoin's receivables token changes everything.

Outstanding invoices become tokenized assets. Need liquidity now? Your receivables have value today, not just when customers finally pay.

Neither NOWPayments nor CoinPayments offers anything remotely comparable.

For businesses managing cash flow, this is a game-changer.

Crypto POS System for Small Business

NOWPayments offers POS integrations. CoinPayments has plugins for major e-commerce platforms.

Larecoin delivers a complete crypto POS system for small business operations:

• Contactless payments , Tap and go

• In-store functionality , Physical retail ready

• Online integration , E-commerce compatible

• Metaverse commerce , Future-proofed for Web3 retail

One system. Every channel. No fragmented solutions.

Integration & Setup: Getting Started Fast

NOWPayments , Fast self-serve registration. APIs, plugins, widgets available. 24/7 live chat support. Dedicated managers for high-volume clients.

CoinPayments , Standard integration options. No phone support. Limited customization.

Larecoin , Merchant portal with streamlined onboarding. Smart wallet integration. AI/ML search for transaction management. DAO governance participation.

All three get you up and running relatively quickly. But Larecoin's ecosystem approach means you're not just adding a payment gateway, you're joining a complete financial infrastructure.

The Comparison Chart: NOWPayments vs CoinPayments vs Larecoin

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody
Cryptocurrencies	300+	40+	Curated + LUSD
Processing Fees	0.5-1%	0.5-1%	Ultra-low
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ LUSD
Receivables Token	❌	❌	✅
Crypto POS	Limited	Limited	Full System
Bank-Free Operations	Partial	No	Complete

Which Solution Fits Your Business?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Non-custodial basics satisfy your security requirements

• You're comfortable with traditional payment gateway functionality

Choose CoinPayments if:

• You're okay with custodial risk

• You need specific long-tail tokens

• Budget is your primary concern

Choose Larecoin if:

• Financial sovereignty matters

• You want to reduce merchant interchange fees by 50%+

• NFT receipts for accounting appeal to you

• LUSD stablecoin benefits fit your treasury strategy

• You're building a bank-free business operation

• Receivables tokenization could improve your cash flow

• You need a complete crypto POS system for small business

The Bottom Line

NOWPayments and CoinPayments are solid first-generation crypto payment solutions. They work. They reduce fees compared to traditional processors.

But they're not built for the Web3 future.

Larecoin represents the next evolution. Self-custody merchant accounts. NFT receipts. LUSD stability. Receivables tokenization. Complete financial sovereignty.

If you're serious about Web3 global payments: not just accepting crypto, but building your entire business around decentralized finance: there's really only one choice.

Ready to slash your payment processing fees and take control of your merchant operations?

Explore Larecoin and see what true Web3 payments look like.