NOWPayments vs CoinPayments: Why Merchants Are Ditching Both for Web3 Global Payments

The crypto payments space is evolving fast. NOWPayments and CoinPayments have dominated for years. But merchants are waking up. These legacy platforms? They're just incremental improvements over traditional payment processing.

They didn't reimagine payments. They just crypto-fied the old system.

Smart merchants want more. They want true Web3 global payments. Self-custody. NFT receipts for accounting. Stablecoin benefits without the volatility headaches.

Let's break down why the exodus is happening: and where forward-thinking businesses are heading.

The Old Guard: NOWPayments vs CoinPayments

Both platforms have their merits. No doubt. But let's look at the facts.

CoinPayments launched in 2013. The OG. Supports 2,000+ cryptocurrencies. Sounds impressive until you realize processing speeds range from minutes to hours. No customizable network fees. Basic e-commerce integrations.

NOWPayments came in 2019. Supports 300+ cryptos. Faster processing: around 5 minutes average. Customizable network fee options. Non-custodial model.

Here's the fee breakdown:

Platform	Processing Fee	Conversion Fee
CoinPayments	0.5%	Variable
NOWPayments	0.5%	1%

Both charge similar rates. Both offer decent crypto coverage.

So what's the problem?

The Limitations Merchants Can't Ignore

Here's the truth. These platforms are crypto payment gateways bolted onto Web2 infrastructure.

No native stablecoin integration. Volatility protection is an afterthought.

No NFT receipts. Every transaction becomes a paper trail nightmare for accountants.

Limited self-custody options. CoinPayments still holds your funds. That's counterintuitive to why crypto exists.

No receivables tokenization. Your incoming payments can't become liquid assets.

High interchange fees persist. Merchants still bleed money on every transaction.

Merchants running a crypto POS system for small business need more. They need solutions built for Web3: not retrofitted from Web2.

What Merchants Actually Want in 2026

The conversations in merchant forums tell the story. Business owners are done with half-measures.

They want:

• 50%+ reduction in merchant interchange fees

• True self-custody merchant accounts

• Automatic NFT receipts for accounting

• Stablecoin settlements without volatility risk

• Global reach without banking restrictions

• Bank-free business operations

NOWPayments and CoinPayments deliver some of these. Not all. Not even close.

Enter Web3 Global Payments: The Larecoin Difference

This is where the game changes completely.

Larecoin isn't another payment gateway. It's a complete ecosystem designed from the ground up for Web3 commerce.

LUSD Stablecoin Benefits

Volatility kills merchant margins. LUSD solves this. Settle in stablecoins. No price swings between transaction and withdrawal. Your $100 sale stays worth $100.

NFT Receipts for Accounting

Every transaction mints an NFT receipt. Immutable. Timestamped. Auditable. Your accountant will thank you. Tax season becomes a non-event.

Self-Custody Merchant Accounts

Your keys. Your coins. Always. No third party holding your revenue hostage. No withdrawal limits. No approval processes.

Receivables Token Innovation

Here's where it gets interesting. Your incoming payments become tokenized assets. Use them as collateral. Trade them. Unlock liquidity without waiting for settlement.

Gas-Only Transfers

Minimal transaction costs. No hidden fees. Just the network gas. That's it.

Real Numbers: Fee Comparison

Let's talk money. Because that's what matters.

Average credit card processing: 2.5-3.5%

CoinPayments: 0.5% + conversion fees + withdrawal fees

NOWPayments: 0.5-1% + network fees

Larecoin: Gas-only transfers + zero platform fees

Run the math on $100,000 monthly revenue:

• Credit cards: $2,500-$3,500 lost

• Legacy crypto gateways: $500-$1,500 lost

• Larecoin: Under $100 in gas fees

That's not incremental savings. That's transformational.

Why NOWPayments Alternative Seekers Choose Larecoin

Merchants searching for a NOWPayments alternative have specific pain points:

1. Limited stablecoin options : Larecoin offers native LUSD integration

2. No receipt automation : NFT receipts handle this automatically

3. Partial custody concerns : Full self-custody eliminates trust requirements

4. Geographic restrictions : Web3 global payments mean truly global access

Why CoinPayments Alternative Seekers Choose Larecoin

Different platform. Similar frustrations.

1. Slow processing times : Larecoin transactions confirm in seconds

2. Custodial concerns : Self-custody from day one

3. Outdated integrations : Modern API and POS solutions

4. No tokenized receivables : Unlock capital tied up in pending payments

The Financial Sovereignty Angle

Here's what nobody talks about enough.

Traditional payment processors can freeze your account. Banks can close your business account. Geographic restrictions can lock you out of markets.

Web3 global payments change everything.

• No bank required

• No processor approval

• No geographic limitations

• No arbitrary account freezes

Your business. Your money. Your rules.

This isn't anti-establishment rhetoric. It's practical business continuity planning.

Setting Up Your Web3 Payment Infrastructure

Ready to make the switch? Here's the path forward.

Step 1: Visit Larecoin and explore the merchant documentation.

Step 2: Set up your self-custody wallet through the smart wallet system.

Step 3: Integrate the contactless POS system or e-commerce plugins.

Step 4: Configure your LUSD settlement preferences.

Step 5: Start accepting payments globally.

No lengthy approval process. No credit checks. No waiting periods.

The Ecosystem Advantage

Larecoin isn't just payments. It's infrastructure.

• DAO governance : Merchants have a voice

• Liquidity pools : Your assets work for you

• Swap and bridge : Multi-chain flexibility

• NFT trading : Extend your business model

• Merchant portal : Complete business management

• AI/ML search : Smart transaction insights

This is the difference between a payment gateway and a complete Web3 commerce ecosystem.

What's Next for Merchants

The migration is happening. Smart merchants aren't waiting.

NOWPayments and CoinPayments served their purpose. They bridged the gap between traditional commerce and crypto.

But bridges are temporary structures.

Web3 global payments are the destination. Self-custody merchant accounts are the standard. NFT receipts for accounting are the new normal.

The question isn't whether to make the switch. It's how quickly you can implement it.

Join the Larecoin Community to connect with merchants already running on Web3 infrastructure. Learn from their implementation stories. Get your questions answered.

The future of commerce is permissionless. It's global. It's self-custodied.

It's already here.