NOWPayments Vs CoinPayments Vs Larecoin: Which Web3 Payment Solution Is Best for Your Business?

Choosing the right crypto payment processor can make or break your business.

Too many fees? You're bleeding money. Wrong custody model? You're risking everything. Limited crypto support? You're turning away customers.

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which Web3 payment solution fits your merchant account needs.

The Web3 Payment Landscape in 2026

Traditional payment processors are expensive. We're talking 2.5-3.5% interchange fees on every transaction. That's thousands of dollars evaporating annually.

Web3 payment solutions promise something different. Lower fees. Global reach. Financial sovereignty.

But not all crypto payment processors deliver equally.

Here's what matters most:

• Fee structure – How much are you actually paying?

• Custody model – Who controls your funds?

• Cryptocurrency support – Can your customers pay how they want?

• Settlement speed – How fast do you get paid?

• Unique features – What sets each platform apart?

Let's dive in.

NOWPayments: The Speed Champion

NOWPayments has carved out a reputation for fast, flexible crypto payments.

What NOWPayments Offers

Cryptocurrency Support: 300+ cryptocurrencies and 30+ stablecoins. That's serious variety. If your customers want to pay with obscure altcoins, NOWPayments probably has them covered.

Processing Speed: Typical transactions confirm in roughly 5 minutes. TON payments? Around 45 seconds. For businesses where speed matters, this is compelling.

Fees: The standard 0.5-1% processing fee. Zero service fees on payouts. Here's where it gets interesting, NOWPayments offers customizable network-fee options. Larger merchants can absorb or blend network fees to optimize checkout conversion.

Custody Model: Non-custodial. NOWPayments never touches your funds. Withdrawals hit your wallet immediately in your preferred cryptocurrency. This is huge for merchants prioritizing self-custody merchant accounts.

NOWPayments Limitations

No phone support. For enterprise operations, this can be problematic. You're stuck with tickets and chat when issues arise.

Also, no built-in fiat-to-bank payouts without external off-ramps. You'll need additional infrastructure to convert crypto to traditional currency.

CoinPayments: The Veteran Player

CoinPayments has been around the block. Literally. They've processed billions in transactions since launching.

What CoinPayments Offers

Cryptocurrency Support: 40+ cryptocurrencies and 21 stablecoins. Fewer options than NOWPayments, but still covers the major players.

Processing Speed: Variable. A few minutes to several hours depending on network conditions. During congestion, you're waiting.

Fees: Same ballpark, 0.5-1% processing fees with zero service fees on payouts. Fixed fee structure though. Users cover gas costs. Less flexibility for merchants looking to optimize.

Features: On-chain payments, manual and API invoicing, subscriptions, white-label capabilities, REST API integration. CSV mass payouts. Crypto-to-fiat settlement available.

CoinPayments Limitations

Custody Model: Here's the critical difference. CoinPayments keeps funds in generated wallets where you don't hold private keys. They control access. For merchants wanting true financial sovereignty, this is a dealbreaker.

Long-tail token support exists, but processing times can frustrate customers expecting instant confirmations.

Larecoin: The Next-Generation Contender

Now we're talking innovation.

Larecoin isn't just another crypto payment processor. It's a complete Web3 global payments ecosystem designed to slash merchant interchange fees while delivering features neither NOWPayments nor CoinPayments can match.

What Makes Larecoin Different

NFT Receipts for Accounting: Every transaction generates an NFT receipt. Immutable. Auditable. Your accountant will thank you. No more digging through spreadsheets or reconciling discrepancies. The blockchain becomes your permanent ledger.

LUSD Stablecoin Benefits: Larecoin's native stablecoin eliminates volatility risk. Accept crypto, settle in stable value. The LUSD stablecoin benefits extend to instant settlement without the wild price swings that make traditional crypto payments unpredictable.

Self-Custody Merchant Accounts: Your funds. Your keys. Your control. Unlike CoinPayments' custodial model, Larecoin ensures merchants maintain complete ownership. Bank-free business operations become reality.

Receivables Token: Transform your receivables into tradeable assets. This is Web3 accounting innovation that neither competitor offers. Liquidity when you need it.

Gas-Only Transfers: Minimal transaction costs. We're talking about reducing merchant interchange fees by 50% or more compared to traditional processors. For high-volume merchants, the savings compound dramatically.

Larecoin's Crypto POS System for Small Business

Small businesses get crushed by payment processing fees. Larecoin's contactless POS system changes that equation entirely.

Accept payments in-store, online, or in the metaverse. Same low fees. Same self-custody benefits. Same NFT receipts.

The merchant portal provides real-time analytics, AI-powered search, and seamless integration with existing systems.

Built on Solana

Speed matters. Larecoin leverages Solana's infrastructure for near-instant finality. Sub-second confirmations. Minimal fees. The technical foundation supports enterprise-scale transaction volume without breaking a sweat.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Crypto Support	300+	40+	Growing ecosystem
Processing Fees	0.5-1%	0.5-1%	Gas-only transfers
Custody	Non-custodial	Custodial	Self-custody
Speed	~5 min	Variable	Sub-second (Solana)
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Receivables Token	No	No	Yes
POS System	Limited	Basic	Full contactless

The differences become obvious when you stack them side by side.

Which Solution Fits Your Business?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Speed is your primary concern

• You're comfortable without phone support

• You don't need advanced accounting features

Choose CoinPayments if:

• You want a proven, established platform

• You're okay with custodial wallets

• You need basic white-label capabilities

• Variable processing times don't impact your business

Choose Larecoin if:

• Reducing merchant interchange fees by 50%+ matters to your bottom line

• You want NFT receipts for streamlined accounting

• Self-custody and financial sovereignty are non-negotiable

• You need a complete Web3 global payments solution

• LUSD stablecoin benefits align with your settlement preferences

• You're building a bank-free business operation

The Bottom Line

NOWPayments and CoinPayments serve their purposes. They're functional. They work.

But they're iterations on an old model. Tweaks to existing infrastructure.

Larecoin represents something fundamentally different. A ground-up rethinking of what merchant payment processing should look like in the Web3 era.

NFT receipts transform accounting. LUSD eliminates volatility anxiety. Self-custody ensures you: not a third party: control your money. Receivables tokens unlock liquidity. Gas-only transfers slash costs to levels traditional processors can't touch.

For merchants serious about global reach, lower fees, and true financial independence, the choice becomes clear.

Ready to Make the Switch?

Explore what Larecoin can do for your business. Check out the latest updates in the official announcements or dive into the community forum to connect with other merchants already making the transition.

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