NOWPayments vs CoinPayments: Why Neither Compares to a True Receivables Token Solution

Let's cut to the chase.

You're looking at crypto payment processors. You've probably stumbled across NOWPayments and CoinPayments. Both solid. Both established. Both... missing something fundamental.

They process payments. That's it. They're digital versions of your grandfather's payment terminal. Dressed up in blockchain clothing.

What if payments could actually work for you? What if every transaction became an asset?

Welcome to the receivables token revolution.

The Current Landscape: NOWPayments vs CoinPayments

Before we dive into what's next, let's break down what's now.

NOWPayments at a Glance

• Founded: 2019

• Coins supported: 300+

• Fee structure: Up to 1%

• Model: Non-custodial

• KYC requirement: None for crypto-to-crypto

NOWPayments gets credit for being non-custodial. You control your funds. No middleman sitting on your crypto. That's a win.

The turnkey checkout tools are decent. Onboarding is straightforward. For merchants just dipping toes into crypto, it works.

But here's the catch. Once that payment processes? It's just... done. Gone. A line item in your accounting software.

CoinPayments at a Glance

• Founded: 2014

• Coins supported: 2,000+

• Fee structure: 0.5%

• Model: Custodial

• Integrations: Shopify, Magento, WooCommerce

CoinPayments is the veteran. Largest crypto payments processor worldwide. Impressive coin coverage. Lower fees.

The integrations with major e-commerce platforms are polished. If you're running Shopify, the plugin works seamlessly.

The problem? Custodial model. They hold your funds. You're trusting a third party with your crypto. Sound familiar? That's basically a bank with extra steps.

The Fundamental Flaw Both Share

Here's what neither platform offers:

Your payments don't become anything.

Traditional payment processors take your money. Move it around. Take their cut. Done.

NOWPayments and CoinPayments do the same thing. Just with cryptocurrency. The payment happens. Fees get extracted. You get what's left.

No value creation. No asset generation. No financial sovereignty beyond the basic transaction.

This is where the receivables token concept changes everything.

What Is a Receivables Token Solution?

Think about every payment your business receives.

Now imagine each one becomes a tokenized asset. Verifiable. Tradeable. Useful for accounting, financing, and proof of business activity.

That's the receivables token model.

Every incoming payment generates a token representing that receivable. It's not just a record. It's an on-chain asset tied to your business.

Why This Matters for Merchants

For accounting: NFT receipts create immutable records. No more spreadsheet chaos. Every transaction is verifiable on-chain.

For financing: Tokenized receivables can be used as collateral. Need a line of credit? Your payment history is on-chain and provable.

For audits: Everything is transparent. Timestamped. Permanent. Auditors love blockchain records (whether they admit it or not).

For global operations: No bank restrictions. No cross-border payment delays. Your receivables exist on a global, permissionless network.

Larecoin: Built Different from Day One

Larecoin wasn't designed to be "another payment processor."

It was built as a complete Web3 payments ecosystem. Every feature serves the same goal: financial sovereignty for merchants.

Self-Custody Merchant Accounts

Your crypto. Your wallet. Your keys.

No custodial nonsense. No third party holding your funds hostage. When a customer pays, that crypto hits your wallet directly.

This isn't just about security. It's about control. Traditional payment processors can freeze your account. Hold your funds. Demand documentation.

With self-custody, that's impossible. You own your money from the moment the transaction confirms.

LUSD Stablecoin Benefits

Volatility concerns? Handled.

LUSD provides stablecoin functionality within the Larecoin ecosystem. Accept crypto payments. Settle in stability.

No more watching your daily revenue swing 10% because the market had a bad afternoon.

The best part? You choose. Want to hold the native crypto? Go for it. Prefer stability? LUSD has you covered.

NFT Receipts for Accounting

Every transaction generates an NFT receipt.

Not a PDF. Not a database entry. An on-chain, verifiable, permanent record of the transaction.

These receipts include:

• Transaction amount

• Timestamp

• Wallet addresses

• Payment method

• Any relevant metadata

Your accountant might actually thank you. Maybe.

Slashing Merchant Interchange Fees

Traditional payment processors charge 2-3%. Sometimes higher for international transactions.

CoinPayments charges 0.5%. NOWPayments goes up to 1%.

Larecoin's approach? Reduce merchant interchange fees by 50% or more compared to traditional systems. Gas-only transfers mean you're paying network fees, not platform fees.

For a business processing $100,000 monthly, that's thousands back in your pocket annually.

The Global Reach Advantage

Here's something neither NOWPayments nor CoinPayments fully addresses:

Bank-free business operations.

Some merchants can't get traditional banking. Some operate in regions with unreliable financial infrastructure. Some simply prefer not to rely on institutions that can cut access at will.

Larecoin enables true Web3 global payments. No bank account required. No approval process from financial gatekeepers. Just set up your merchant portal and start accepting payments.

International customers? No problem. Cross-border payments settle at the same speed as local ones. No wire transfer delays. No currency conversion fees eating into margins.

Crypto POS System for Small Business

Big enterprises have resources. They can navigate complexity.

Small businesses need simplicity.

Larecoin's contactless POS solution was built for real-world use. Retail. Restaurants. Service providers. Pop-up shops.

Set up takes minutes. Accept crypto payments immediately. Generate those NFT receipts automatically. Push funds to card if you need fiat liquidity.

No special hardware required. No lengthy integration projects. No waiting weeks for approval.

Making the Switch: What to Expect

Already using NOWPayments or CoinPayments?

Here's the honest comparison:

Feature	NOWPayments	CoinPayments	Larecoin
Custody model	Non-custodial	Custodial	Self-custody
NFT receipts	No	No	Yes
Receivables token	No	No	Yes
Stablecoin integration	Limited	Limited	LUSD native
Fee structure	Up to 1%	0.5%	Gas-only transfers
Bank-free operations	Partial	Partial	Complete

The receivables token functionality alone changes how you think about incoming payments. They're not just revenue. They're verifiable, on-chain business assets.

The Bottom Line

NOWPayments works. CoinPayments works.

But "works" isn't the bar anymore.

Crypto payments should generate value beyond the transaction. They should reduce costs dramatically. They should give you complete control over your funds.

The receivables token model isn't just an upgrade. It's a fundamentally different approach to business payments.

Your transactions become assets. Your accounting becomes automated. Your fees drop substantially. Your financial sovereignty becomes real.

Ready to see what true Web3 payments look like?

Explore the Larecoin ecosystem and discover what NOWPayments and CoinPayments are missing.

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The future of merchant payments isn't about processing transactions. It's about creating value from every single one.