NOWPayments Vs CoinPayments: Why Merchants Are Switching to This Web3 Global Payments Alternative

The crypto payments space is evolving. Fast.

NOWPayments and CoinPayments have dominated merchant conversations for years. Both solid options. Both with their own quirks. But here's the thing, merchants are starting to look elsewhere.

Why? Because the game has changed.

Web3 global payments demand more than just accepting Bitcoin. Merchants want self-custody merchant accounts. They want transparency. They want to slash fees by 50% or more. And they're finding what they need in unexpected places.

Let's break down the old guard, and show you what's next.

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NOWPayments: The Non-Custodial Contender

NOWPayments launched in 2019. Relatively young. But they built something merchants appreciate: a non-custodial payment gateway.

What does that mean? Simple. You keep your keys. They never touch your funds. Withdrawals hit your wallet immediately.

The Good Stuff

• 300+ cryptocurrencies supported

• 0.5% to 1% fees depending on tier

• Non-custodial model = full fund control

• Automatic fiat conversion available

• Partnerships with Binance, Trezor, Ledger

The Not-So-Good

• Fewer e-commerce integrations than competitors

• Limited advanced features for enterprise merchants

• No built-in stablecoin solution

• Standard receipt system, nothing revolutionary

NOWPayments works. It's clean. It's affordable. But is it pushing the boundaries of Web3? Not really.

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CoinPayments: The Industry Veteran

CoinPayments has been around since 2013. That's ancient in crypto years. Over a million users. The largest crypto payment processor globally.

The Good Stuff

• 2,100+ cryptocurrencies, massive selection

• 0.5% flat fee across the board

• Integrations with Magento, Drupal, OpenCart, Joomla, WooCommerce

• Established reputation and trust

The Not-So-Good

Here's where it gets tricky.

CoinPayments is custodial. They generate wallets for you. They hold your funds. You don't get private key access.

For merchants prioritizing financial sovereignty? That's a dealbreaker.

• Custodial model = third-party risk

• No direct fund control

• Settlement delays possible

• Traditional accounting, no NFT receipts, no blockchain-native record-keeping

The cryptocurrency support is impressive. But supporting 2,100 tokens doesn't matter if your money isn't truly yours.

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The Shared Problem: Both Miss the Web3 Mark

Look at NOWPayments and CoinPayments side by side. They're solid payment processors. But they're built on Web2 thinking.

Neither offers:

• NFT receipts for accounting

• Native stablecoin benefits with volatility protection

• Receivables tokens for real business utility

• True bank-free business operations

• 50%+ fee reduction compared to traditional interchange

They process payments. That's it.

Web3 global payments should do more. Way more.

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Enter Larecoin: The Web3 Global Payments Alternative

This is where things get interesting.

Larecoin isn't just another payment processor. It's a complete ecosystem built for merchants who want real control over their money.

No banks. No intermediaries holding your funds hostage. Just pure, decentralized commerce.

Self-Custody Merchant Accounts

Your funds. Your wallet. Your keys.

Larecoin's self-custody merchant accounts mean you're never trusting a third party with your revenue. The moment a customer pays, that money is yours. Period.

Compare that to CoinPayments' custodial approach. Or even traditional credit card processors holding your money for 30+ days.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Everyone knows this.

Larecoin's LUSD stablecoin solves it. Accept crypto. Settle in stable value. No more watching your Tuesday revenue drop 15% by Thursday.

LUSD gives merchants:

• Price stability pegged to real value

• Instant settlement without conversion fees

• Protection from market swings

• Clean accounting without volatility adjustments

Neither NOWPayments nor CoinPayments offers a native stablecoin built into the ecosystem.

NFT Receipts for Accounting

Here's where Larecoin truly innovates.

Every transaction generates NFT receipts. Immutable. On-chain. Verifiable forever.

Why does this matter?

• Audit-proof documentation, no disputes about what happened

• Automatic record-keeping on the blockchain

• Easy integration with accounting software

• Proof of payment that can't be altered or lost

Traditional receipt systems? Paper trails that fade. PDFs that get deleted. Spreadsheets with human error.

NFT receipts are the future of crypto POS systems for small business. And Larecoin delivers them now.

Receivables Token Innovation

The receivables token changes how merchants think about cash flow.

Instead of waiting for settlements, your receivables become tokenized assets. Use them. Trade them. Leverage them for working capital.

This isn't available on NOWPayments. Or CoinPayments. Or most payment processors anywhere.

Reduce Merchant Interchange Fees

Traditional payment processing? 2-3% minimum. Plus gateway fees. Plus chargebacks. Plus monthly statements.

Crypto payment processors like NOWPayments and CoinPayments brought that down to 0.5-1%.

Larecoin goes further.

By eliminating intermediaries and building on efficient blockchain infrastructure, merchants can reduce merchant interchange fees by 50% or more compared to traditional processors.

That's not a marketing promise. That's math.

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Why Merchants Are Actually Switching

Let's get real. Switching payment processors is a headache. Nobody does it for fun.

But merchants are moving to Larecoin because the benefits compound:

1. True Financial Sovereignty

No bank can freeze your merchant account. No processor can hold your funds for "review." Your business operates independently.

2. Global Reach Without Borders

Accept payments from anywhere. Settle anywhere. No currency conversion nightmares. No international banking fees.

3. Transparent, Immutable Records

NFT receipts mean no disputes about transaction history. Everything lives on-chain.

4. Future-Proof Infrastructure

Web3 is coming whether merchants like it or not. Building on Larecoin now means you're ready.

5. Community-Driven Development

Join the Larecoin Community and actually influence the roadmap. Try that with CoinPayments.

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The Comparison at a Glance

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial	Custodial	Self-custody
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Receivables Token	No	No	Yes
Base Fees	0.5-1%	0.5%	Significantly lower
Bank-Free Operations	Partial	No	Full
Crypto Support	300+	2,100+	Growing ecosystem

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Ready to Make the Switch?

NOWPayments and CoinPayments served their purpose. They brought crypto payments to merchants when few alternatives existed.

But Web3 demands evolution.

Larecoin delivers:

• Self-custody merchant accounts

• LUSD stablecoin for volatility protection

• NFT receipts for bulletproof accounting

• Receivables tokens for cash flow innovation

• Dramatically reduced fees

Stop paying more than you should. Stop trusting third parties with your revenue. Stop using Web2 tools in a Web3 world.

Explore the merchant portal and see what true financial sovereignty looks like.

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