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

Let's be real. You're looking at crypto payment processors because traditional payment rails are bleeding your business dry. Interchange fees. Chargebacks. Settlement delays. The whole system feels designed to work against you.

So you've narrowed it down to two big names: NOWPayments and CoinPayments.

Both promise Web3 global payments. Both claim to be merchant-friendly. But which one actually delivers for your business?

Let's break it down. Then we'll talk about what's missing from both.

The Quick Comparison

Before we dive deep, here's the snapshot:

Feature	CoinPayments	NOWPayments
Commission	0.5%	Up to 1%
Coins Supported	2,000+	300+
Custody Model	Custodial	Non-custodial
Founded	2014	2019
Fund Access	Provider-held	Immediate withdrawal
Fiat Conversion	More options	Limited

Numbers don't lie. But they don't tell the whole story either.

NOWPayments: The Non-Custodial Newcomer

NOWPayments launched in 2019. Relative newcomer. Their big selling point? Self-custody merchant accounts.

Your keys. Your coins. No middleman holding your funds hostage.

What NOWPayments Gets Right:

• Non-custodial architecture means you control funds immediately

• Flexible integration: API, plugins, invoices, donation buttons

• Works with WooCommerce, Shopify, and major platforms

• Withdraw in any supported cryptocurrency instantly

Where NOWPayments Falls Short:

• 1% maximum commission eats into margins

• Only 300+ cryptocurrencies (sounds like a lot until you see the competition)

• Limited fiat settlement options

• No advanced features like NFT receipts for accounting

That last point matters more than you think. If your business needs to convert crypto to dollars for payroll, taxes, or suppliers, NOWPayments makes that painful.

CoinPayments: The Veteran Player

CoinPayments has been around since 2014. Claims to be the largest crypto payments processor globally.

Experience counts. But so does innovation.

What CoinPayments Gets Right:

• 0.5% commission: half of what NOWPayments charges

• 2,000+ cryptocurrencies supported

• Solid integrations with Shopify, Magento, Prestashop, WooCommerce, Opencart

• More comprehensive fiat settlement

Where CoinPayments Falls Short:

• Custodial model means they hold your funds

• You trust their security, not yours

• Dated approach to merchant needs

• No receivables token or innovative accounting solutions

Here's the real issue with custodial crypto payment processors: you're trading one middleman for another. You left traditional banking because you wanted control. CoinPayments just becomes a different kind of bank.

Head-to-Head: Which One Wins?

For lower fees: CoinPayments wins with 0.5% vs. 1%.

For fund control: NOWPayments wins with non-custodial architecture.

For coin variety: CoinPayments wins with 2,000+ options.

For immediate access: NOWPayments wins with instant withdrawals.

For fiat conversion: CoinPayments wins with more options.

For platform integration: Tie. Both work with major e-commerce platforms.

So which is better?

Depends on what you prioritize. But here's the uncomfortable truth: both are compromises.

CoinPayments gives you lower fees but takes your sovereignty. NOWPayments gives you control but limits your fiat options and charges more.

Neither delivers the complete package for merchants who want to reduce merchant interchange fees, maintain self-custody, AND get advanced accounting tools.

What Both Are Missing

Let's talk about the elephant in the room.

The crypto payment industry is solving yesterday's problems. Accept crypto. Convert to fiat. Done.

But modern merchants need more:

• NFT receipts for accounting that create immutable, verifiable transaction records

• Stablecoin solutions that eliminate volatility without touching fiat

• Self-custody that doesn't sacrifice features

• Bank-free business operations that actually work

• A crypto POS system for small business that handles everything

Neither NOWPayments nor CoinPayments delivers on these fronts.

That's where a new breed of Web3 global payments solutions enters the conversation.

Enter a Third Option: Larecoin

Here's what most NOWPayments alternative seekers and CoinPayments alternative hunters don't know: there's a solution designed from the ground up for merchant freedom.

Larecoin isn't just another crypto payment processor. It's a complete ecosystem built for businesses that want financial sovereignty without the compromises.

Why Larecoin Changes the Game:

LUSD Stablecoin Benefits Forget volatility anxiety. LUSD gives you stablecoin functionality baked into the ecosystem. Accept payments. Keep value stable. No emergency fiat conversions needed.

NFT Receipts for Accounting Every transaction generates an NFT receipt. Immutable. Verifiable. Your accountant will thank you. Your auditor won't have questions. This isn't a gimmick: it's infrastructure.

True Self-Custody Merchant Accounts Not "we hold it and promise to be good." Actual self-custody. Your keys. Your business. Your rules.

Receivables Token Turn your incoming payments into tradeable assets. Cash flow problems? Solved. This is the future of merchant financing without banks.

Slash Fees by 50%+ Gas-only transfers mean you keep more of every transaction. Traditional payment processors can't compete with blockchain efficiency.

The Real Comparison

Feature	CoinPayments	NOWPayments	Larecoin
Self-Custody	❌	✅	✅
NFT Receipts	❌	❌	✅
Native Stablecoin	❌	❌	✅ (LUSD)
Receivables Token	❌	❌	✅
Bank-Free Operations	Partial	Partial	✅
Low Fees	0.5%	1%	Gas-only
POS System	Basic	Basic	Advanced

The pattern is clear.

Making the Switch

Still comparing NOWPayments vs. CoinPayments?

Fair. They're established. They work. For basic crypto acceptance, either gets the job done.

But if you're building a business for the Web3 era: one that demands financial sovereignty, advanced accounting, stablecoin stability, and cutting-edge features: the established players aren't keeping pace.

The merchants winning right now aren't just accepting crypto. They're leveraging the full power of blockchain technology for their entire financial stack.

What's Your Priority?

If you want the lowest fees from established players: CoinPayments at 0.5%.

If you want non-custodial from established players: NOWPayments with immediate withdrawals.

If you want the complete Web3 merchant solution:Larecoin with NFT receipts, LUSD, receivables tokens, and true bank-free operations.

The crypto payment space is evolving fast. The question isn't which legacy solution is slightly better. The question is which solution positions your business for where payments are headed.

NOWPayments and CoinPayments solved 2019's problems. Larecoin is building for 2026 and beyond.

Your business. Your choice. But make it an informed one.

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Ready to explore Web3 global payments that don't force you to compromise? Check out Larecoin and see what real financial sovereignty looks like.