NOWPayments Vs CoinPayments: Why Larecoin's Receivables Token Is the Smarter Web3 Alternative

Crypto payment gateways are everywhere. NOWPayments. CoinPayments. Dozens more.

But here's the thing. Most of them still operate like traditional payment processors with a crypto skin. Custody issues. High fees. Zero innovation.

Enter Larecoin's Receivables Token.

A completely different approach to Web3 global payments. One that gives merchants actual financial sovereignty. Not just another gateway. A full ecosystem.

Let's break down why smart merchants are ditching the old guard.

NOWPayments: The Quick Rundown

NOWPayments has carved out a solid reputation since launch. Here's what you get:

• 300+ cryptocurrencies supported

• Maximum 1% transaction fee

• Non-custodial model (you keep your keys)

• Integrations with Shopify, WooCommerce, and more

• API access for custom builds

The non-custodial approach? Smart. Your funds stay yours. No middleman holding your crypto hostage.

But 1% fees add up fast. Process $100,000 monthly? That's $1,000 gone. Every single month.

And the feature set? Basic. Payment processing. That's it. No NFT receipts for accounting. No stablecoin innovations. No receivables token functionality.

CoinPayments: Old Guard Energy

CoinPayments launched back in 2014. First mover advantage. Massive coin support.

The numbers:

• 2,000+ cryptocurrencies accepted

• 0.5% commission on transactions

• Custodial model (they hold your funds)

• Shopping cart plugins

• Vault storage options

That 0.5% fee looks attractive. Until you realize your funds sit in their custody. Their keys. Their rules. Their risk.

Remember the countless exchange hacks? Same vulnerability applies here.

Plus, the platform feels dated. Built for 2014. We're in 2026. Web3 has evolved. CoinPayments hasn't kept pace.

No self-custody merchant accounts by default. No receivables token innovation. No gas-only transfers.

The Real Problem With Both

Let's be honest.

NOWPayments and CoinPayments solve one problem: accepting crypto payments. Full stop.

They don't help you:

• Reduce merchant interchange fees beyond their stated rates

• Generate NFT receipts for accounting automation

• Access LUSD stablecoin benefits for volatility protection

• Build true self-custody merchant accounts

• Scale with Web3 global payments infrastructure

You're still paying fees on every transaction. Still converting to fiat through third parties. Still dealing with volatility headaches.

That's not financial sovereignty. That's a Band-Aid on a broken system.

Larecoin's Receivables Token: The Web3 Native Solution

Here's where everything changes.

Larecoin didn't build another payment gateway. We built an entire Web3 payments ecosystem. The receivables token sits at the center.

What is a Receivables Token?

Think of it as programmable money designed specifically for merchants. Each payment generates a tokenized receipt. Immutable. Auditable. Instant.

No more reconciliation nightmares. No more manual accounting. Every transaction exists on-chain with full transparency.

Core Features:

• Gas-only transfers through LUSD stablecoin

• NFT receipts for every transaction

• Self-custody by default

• 1.5% fee with social impact allocation

• Push-to-card instant settlements

The difference? Night and day.

LUSD Stablecoin Benefits: The Fee Killer

Here's where merchants save real money.

Traditional crypto payments involve:

1. Customer sends crypto

2. Gateway converts to fiat

3. You pay conversion fees

4. You pay withdrawal fees

5. You wait for settlement

LUSD eliminates steps 2-4.

Gas-only transfers mean you pay network costs only. No percentage fees on the actual value. Process $100,000? Pay pennies in gas. Not $500-$1,000 in gateway fees.

That's how you reduce merchant interchange fees by 50% or more.

The math works for businesses of any size. Small merchants keep more margin. Enterprise operations save thousands monthly.

NFT Receipts for Accounting: Audit-Proof Everything

Every Larecoin transaction generates an NFT receipt automatically.

Why this matters:

• Immutable proof of every payment

• Timestamp verification on-chain

• Easy export for accounting software

• Audit trail that can't be disputed

• Tax compliance simplified

Your accountant will thank you. Your auditor will have nothing to question. Every transaction verified by blockchain consensus.

No more spreadsheet chaos. No more missing receipts. No more "the bank says one thing, our records say another."

Self-Custody Merchant Accounts: Your Keys, Your Business

CoinPayments holds your funds. That's a risk you accept.

Larecoin operates differently.

Self-custody merchant accounts mean:

• You control the private keys

• Funds settle directly to your wallet

• No withdrawal requests

• No frozen accounts

• No third-party risk

Your business revenue stays in your control. Always. No exceptions.

Combined with the receivables token structure, you get complete financial transparency without sacrificing sovereignty.

Crypto POS System for Small Business

Running a physical store? Larecoin's contactless POS integration handles that.

• Tap-to-pay crypto acceptance

• QR code generation

• Instant conversion to LUSD

• Push-to-card for immediate fiat access

• Zero hardware costs

Your smartphone becomes a complete crypto POS system. No expensive terminals. No monthly rental fees. No setup headaches.

Accept payment. Get funds. Done.

The NOWPayments Alternative You Actually Need

Searching for a NOWPayments alternative? Here's the comparison:

Feature	NOWPayments	Larecoin
Fee Structure	Up to 1%	Gas-only with LUSD
Custody	Non-custodial	Self-custody
NFT Receipts	No	Yes
Stablecoin	Third-party	Native LUSD
Receivables Token	No	Yes
POS System	Basic	Full integration

The choice becomes obvious.

The CoinPayments Alternative Built for 2026

Need a CoinPayments alternative that doesn't hold your funds hostage?

Larecoin delivers:

• Non-custodial by design

• Modern Web3 infrastructure

• Layer 1 blockchain speed via LareBlocks

• Community governance through DAO

• Social impact through fee allocation

Built for today's merchants. Not 2014's limitations.

Web3 Global Payments: Beyond Borders

Traditional payment processors charge extra for international transactions. 3%. 4%. Sometimes more.

Larecoin's Web3 global payments work identically everywhere.

• Send payment from Tokyo

• Receive in São Paulo

• Same gas-only cost

• Same instant settlement

• Same NFT receipt

No currency conversion fees. No international processing surcharges. No waiting days for cross-border settlements.

One global payment system. Borderless by nature.

Getting Started With Larecoin

Ready to make the switch?

Step 1: Set up your Larecoin wallet

Step 2: Configure your merchant portal

Step 3: Integrate with your existing store

Step 4: Start accepting payments

Full documentation available. Community support through our forums. Live assistance when you need it.

The receivables token revolution starts now. Traditional payment gateways had their moment.

Web3 native solutions are the future.

Your future.