NOWPayments Vs Larecoin: Which Is Better For Your Web3 Global Payments?

Picking a crypto payment processor in 2026? It's not as simple as it used to be.

The Web3 payments space has exploded. New players. New features. New ways to slash those painful interchange fees that eat into your margins.

Two names keep popping up: NOWPayments and Larecoin.

Both promise global reach. Both handle crypto. But under the hood? Completely different animals.

Let's break it down.

What Is NOWPayments?

NOWPayments is a veteran crypto payment gateway. Been around since 2019. Solid reputation.

Here's what they bring to the table:

• 300+ cryptocurrencies supported

• 30+ stablecoins available

• Fees up to 0.5% per transaction

• Fiat-to-crypto payouts in 75+ currencies

• White-label solutions with API access

• Mass payouts for businesses

It's a straightforward proposition. Accept crypto. Convert to fiat if you want. Move on.

For merchants just dipping their toes into crypto, NOWPayments works. It's familiar. Traditional payment gateway logic with a crypto twist.

But here's the thing.

NOWPayments still operates within the old paradigm. You're still dependent on their custody. Their systems. Their rules.

What Is Larecoin?

Larecoin isn't just a payment gateway. It's a complete Web3 global payments ecosystem.

Think bigger.

Self-custody. NFT receipts. A native stablecoin (LUSD). Receivables tokens. Push-to-card capabilities. A full merchant portal with crypto POS systems built for small business.

This isn't Web2 infrastructure dressed up in Web3 clothing. This is ground-up financial sovereignty.

Key Larecoin features:

• LUSD Stablecoin – Native stable asset pegged to the dollar

• NFT Receipts – Immutable transaction records for accounting

• Self-Custody Merchant Accounts – Your keys. Your funds. Always.

• Receivables Token – Tokenize your incoming payments

• Gas-Only Transfers – Minimal transaction costs

• Push-to-Card – Instant off-ramp to traditional banking

• Crypto POS System – Built for retail and e-commerce

The difference? Larecoin is designed for merchants who want to reduce merchant interchange fees by 50% or more: without giving up control.

Head-to-Head: NOWPayments Vs Larecoin

Let's get specific.

Fee Structure

NOWPayments: Up to 0.5% per transaction. Plus network fees. Plus potential conversion fees if you're swapping to fiat.

Larecoin: Gas-only transfers using LUSD. No percentage-based fees eating into your sales. The savings compound fast: especially at scale.

Winner: Larecoin. The fee savings alone make it worth investigating.

Custody Model

NOWPayments: Custodial. They hold your funds until you withdraw. You're trusting their security. Their processes.

Larecoin: Self-custody merchant accounts. Your crypto lands in your wallet. Period. No intermediary holding your assets hostage.

Winner: Larecoin. Financial sovereignty isn't just a buzzword here: it's the architecture.

Accounting & Compliance

NOWPayments: Standard transaction records. CSV exports. Nothing revolutionary.

Larecoin: NFT receipts for accounting. Every transaction minted as an immutable record on-chain. Auditors love it. Your accountant will thank you.

Winner: Larecoin. NFT receipts aren't a gimmick: they're the future of financial record-keeping.

Stablecoin Options

NOWPayments: Supports 30+ third-party stablecoins. USDT. USDC. The usual suspects.

Larecoin: Native LUSD stablecoin built into the ecosystem. Optimized for merchant use cases. No external dependencies.

Winner: Larecoin. LUSD stablecoin benefits include tighter integration and lower friction.

Global Reach

NOWPayments: 75+ fiat currencies for payouts. Solid international coverage.

Larecoin: True borderless payments. No fiat conversion required if you stay in the ecosystem. Accept payments from anywhere. No banking restrictions.

Winner: Tie. Depends on your business model. Need fiat? NOWPayments is fine. Want to operate bank-free? Larecoin wins.

Integration & Tools

NOWPayments: API access. Plugins for major e-commerce platforms. Subscription billing. Mass payouts.

Larecoin: Full merchant portal. DEX integration. Liquidity pools. Swap and bridge capabilities. Contactless POS. AI-powered search. Even metaverse commerce support.

Winner: Larecoin. The ecosystem is simply bigger.

Why Merchants Are Switching to Larecoin

Let's be real.

NOWPayments is a good product. It's reliable. It works.

But "good" isn't "great."

Here's why forward-thinking merchants are making the switch:

1. Slash Interchange Fees by 50%+

Traditional payment processors charge 2-3%. NOWPayments charges up to 0.5%. Larecoin? Gas-only transfers.

Do the math on your monthly volume. The savings are staggering.

2. True Self-Custody

When you accept payments through Larecoin, funds hit YOUR wallet. Not a company wallet you have to request withdrawals from.

In crypto, custody is everything. Don't outsource it.

3. NFT Receipts Change Everything

Imagine every transaction automatically generating an immutable, on-chain receipt.

No more lost invoices. No more "he said, she said" disputes. No more audit nightmares.

NFT receipts for accounting aren't a future promise: they're live on Larecoin today.

4. The Receivables Token

Here's where it gets interesting.

Larecoin lets you tokenize your incoming payments. That receivables token becomes a liquid asset. Use it as collateral. Trade it. Build DeFi strategies around your cash flow.

No traditional payment processor offers anything close to this.

5. Bank-Free Business Operations

Some merchants want complete financial sovereignty. No bank accounts. No frozen funds. No arbitrary account closures.

Larecoin makes that possible. Accept crypto. Hold LUSD. Push to card when you need fiat. Simple.

Who Should Use NOWPayments?

Fair is fair. NOWPayments has its place.

Consider NOWPayments if:

• You need fiat conversion for every transaction

• You prefer a custodial setup (less responsibility)

• Your business runs on traditional accounting workflows

• You're testing crypto payments before going deeper

It's a solid NOWPayments alternative for merchants who aren't ready for full Web3 immersion.

Who Should Use Larecoin?

Larecoin is built for:

• Merchants serious about reducing merchant interchange fees

• Businesses that value self-custody merchant accounts

• Companies wanting NFT receipts for accounting

• Entrepreneurs exploring bank-free business operations

• Retailers needing a crypto POS system for small business

• Anyone tired of watching profits disappear to processor fees

If you're ready to embrace Web3 global payments: not just accept crypto but actually leverage the technology: Larecoin is the move.

The Bottom Line

NOWPayments is Web2.5. Crypto capabilities bolted onto traditional infrastructure.

Larecoin is Web3 native. Built from the ground up for financial sovereignty, transparency, and merchant empowerment.

Both work.

One works better.

The question isn't which processor can handle your payments. It's which processor will help your business thrive in the decentralized economy.

Ready to Make the Switch?

Stop leaving money on the table. Stop trusting intermediaries with your funds. Stop operating with outdated infrastructure.

Explore Larecoin's merchant solutions and see what real Web3 payments look like.

Your margins will thank you.