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


The crypto payments space is crowded. NOWPayments and CoinPayments have dominated the conversation for years. But here's the thing: both platforms were built for a different era.

Web3 has evolved. Your payment processor should too.

Smart merchants aren't just comparing the old guard anymore. They're looking for something better. Something built for 2026 and beyond.

Let's break down the comparison: then show you what's actually worth your attention.

NOWPayments Vs CoinPayments: The Quick Breakdown

Both platforms have their strengths. Neither is perfect.

Fee Structure

CoinPayments: 0.5% commission per transaction. One of the lowest in the industry.

NOWPayments: Up to 1% maximum fee. Double what CoinPayments charges on paper.

Winner on fees? CoinPayments. But fees aren't everything.

Cryptocurrency Support

CoinPayments: 2,000+ cryptocurrencies. Massive coverage for long-tail tokens.

NOWPayments: 300+ digital assets. Covers the majors, stablecoins, and popular altcoins.

If you need obscure tokens, CoinPayments wins. For most merchants? 300+ is plenty.

Custody Model

Here's where it gets interesting.

NOWPayments: Non-custodial. They never touch your funds. Withdrawals are immediate.

CoinPayments: Custodial model. They hold your crypto until you withdraw.

For merchants prioritizing financial sovereignty and self-custody merchant accounts, NOWPayments has the edge.

Fiat Settlement

CoinPayments: Multiple fiat conversion options.

NOWPayments: Limited fiat settlement. A real constraint if you need traditional currency fast.

Neither platform nails the complete picture.

Larecoin decentralized applications

The Problem With Both Platforms

CoinPayments launched in 2014. NOWPayments arrived in 2019. Both predated the Web3 revolution.

What's missing?

  • NFT receipts for accounting. Neither offers blockchain-based receipt verification.

  • True stablecoin integration. Limited options for volatility protection.

  • Self-custody with full control. Even NOWPayments' non-custodial model has limitations.

  • Modern merchant tools. No receivables tokens. No advanced DeFi integrations.

You're choosing between two platforms built for Web2 thinking.

That's the real issue.

Enter the Web3 Alternative: Larecoin

Here's why smart merchants are making the switch.

Larecoin wasn't built to compete with yesterday's crypto processors. It was designed for merchants who want complete financial sovereignty without sacrificing functionality.

This is what a true Web3 global payments solution looks like.

Slash Your Fees by 50%+

Tired of watching profits disappear to interchange fees? Larecoin's infrastructure dramatically reduces merchant interchange fees compared to traditional processors and legacy crypto platforms.

Lower fees. Same functionality. Better technology.

The math is simple.

Self-Custody Merchant Accounts

Your crypto. Your keys. Your control.

Unlike custodial solutions that hold your funds hostage, Larecoin operates on true self-custody principles. No middlemen sitting between you and your revenue.

Bank-free business operations aren't just possible. They're standard.

Merchant receiving cryptocurrency payments directly, symbolizing self-custody and bank-free business with Web3 technology

NFT Receipts for Accounting

This is a game-changer.

Every transaction generates an NFT receipt: immutable, verifiable, and permanently recorded on-chain. Audits become seamless. Bookkeeping gets bulletproof.

No more chasing paper trails. Your accounting lives on the blockchain.

LUSD Stablecoin Benefits

Volatility kills merchant confidence. LUSD solves this.

Accept payments in any cryptocurrency. Settle in stable value. The LUSD stablecoin benefits include:

  • Price stability pegged to USD

  • Instant conversion from volatile assets

  • Predictable cash flow for business planning

  • Protection from market swings

Crypto's upside without crypto's rollercoaster.

Receivables Token Innovation

Here's something neither NOWPayments nor CoinPayments offers.

Larecoin's receivable token system lets you tokenize pending payments. Turn future revenue into liquid assets. Unlock capital that would otherwise sit dormant.

This is DeFi-native merchant finance.

Astronaut with Larecoin Token

Why This NOWPayments Alternative Makes Sense

Let's be real. NOWPayments works. It's non-custodial and supports a solid range of coins.

But it's missing the Web3 toolkit modern merchants need.

NOWPayments gaps:

  • No NFT receipt functionality

  • Limited stablecoin options

  • No receivables tokenization

  • Basic merchant dashboard

  • Fiat conversion constraints

Larecoin fills every gap.

If you've been searching for a NOWPayments alternative that doesn't compromise on decentralization, this is it.

Why This CoinPayments Alternative Wins

CoinPayments has scale and token coverage. No argument there.

But the custodial model? That's a dealbreaker for serious Web3 merchants.

CoinPayments limitations:

  • Custodial: they hold your funds

  • Built on Web2 architecture

  • No blockchain-native receipts

  • Limited DeFi integration

  • Dated merchant experience

Larecoin delivers what CoinPayments can't:

  • True self-custody

  • Web3-native infrastructure

  • NFT receipts on every transaction

  • LUSD stability

  • Receivables token access

For merchants serious about owning their financial future, the CoinPayments alternative choice is clear.

Crypto POS System for Small Business

Not just for e-commerce giants.

Larecoin's crypto POS system for small business makes accepting crypto as easy as swiping a card. Whether you're running a coffee shop, a boutique, or a service business: Web3 payments are accessible.

Features include:

  • Contactless POS integration

  • Real-time conversion to LUSD

  • NFT receipt generation

  • Multi-currency acceptance

  • Mobile-friendly interface

Small business. Enterprise-grade technology.

Crypto Payments Made Easy

The Financial Sovereignty Advantage

Here's the bigger picture.

Traditional payment processors extract value at every step. Banks charge interchange fees. Processors take their cut. Settlement delays lock up your capital.

Larecoin flips the script.

  • No bank dependency. Operate entirely on-chain.

  • Instant settlement. Funds hit your wallet immediately.

  • Global reach. Accept payments from anywhere. No currency restrictions.

  • Full transparency. Every transaction verifiable on the blockchain.

This isn't just a payment processor. It's merchant financial independence.

Making the Switch

Already on NOWPayments or CoinPayments? Migration is straightforward.

Step 1: Set up your self-custody merchant account on Larecoin

Step 2: Integrate with your existing e-commerce platform or POS system

Step 3: Start accepting payments with NFT receipts and LUSD settlement

Step 4: Watch your fees drop and your control increase

No long-term contracts. No hidden charges. Just better technology.

The Bottom Line

NOWPayments and CoinPayments had their moment. They helped legitimize crypto payments when the industry was young.

But 2026 demands more.

Web3 merchants need:

  • Self-custody without compromise

  • NFT receipts for airtight accounting

  • Stablecoin settlement for predictable revenue

  • Receivables tokenization for capital efficiency

  • Fees that don't eat into margins

Larecoin delivers all of it.

The smart money isn't debating NOWPayments vs CoinPayments anymore. It's building on the Web3 alternative designed for what's next.

Ready to upgrade your payment infrastructure?Check out Larecoin and see why the future of merchant payments looks nothing like the past.

 
 
 

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