NOWPayments Vs Larecoin: Which Web3 Global Payments Solution Is Better for Your Business?

Two platforms. One decision. Your bottom line hangs in the balance.

NOWPayments has been a solid player in the crypto payment space for years. Larecoin? The new kid on the block shaking things up. Both promise Web3 global payments. Both claim to serve merchants better than traditional processors.

But here's the thing, they're fundamentally different beasts.

Let's break it down so you can actually make an informed choice.

The Core Philosophy: Custody vs. True Self-Custody

This is where it gets interesting.

NOWPayments offers a non-custodial option. Key word: option. They'll hold your funds if you want. Or not. Your call.

Larecoin? Full self-custody. Period. Your keys. Your crypto. Your business. No middleman parking your assets anywhere.

For merchants who've watched centralized exchanges implode over the past few years, this distinction matters. A lot.

The Fee Breakdown: Where Your Money Actually Goes

Let's talk numbers. Because that's what really moves the needle.

NOWPayments:

• Processing fees: 0.5-1%

• Processing speed: ~5 minutes

• Annual cost on $500K volume: approximately $3,750

Larecoin:

• Processing fees: Gas only

• Processing speed: Near-instant

• Annual cost on $500K volume: Under $2,000

Do the math. That's roughly 50% savings with Larecoin's gas-only model.

Traditional payment processors? They'd charge you around $12,500 on that same volume. We're talking 2.5% standard interchange fees bleeding your margins dry.

The difference compounds fast. Over five years, on half a million in annual transactions, you're looking at tens of thousands in savings. Real money. Your money.

Check out our detailed breakdown on how to reduce merchant interchange fees by 50% for the full picture.

Feature-by-Feature Comparison

Here's the honest breakdown:

Feature	NOWPayments	Larecoin
Processing Fees	0.5-1%	Gas fees only
Settlement Speed	~5 minutes	Near-instant
Custody Model	Optional non-custodial	Full self-custody
Crypto Support	300+ tokens	Comprehensive
Native Stablecoin	Third-party only	LUSD built-in
NFT Receipts	No	Yes
Receivables Token	No	Yes

The LUSD Advantage: Why Native Stablecoins Matter

NOWPayments integrates 30+ stablecoins. Solid. But they're all third-party.

Larecoin built LUSD from the ground up. Native stablecoin. Instant settlement. No conversion delays. No extra fees getting in and out.

For merchants who need rapid fiat conversion without the volatility headache, this changes everything. Your sale hits your account in LUSD. Stable. Predictable. Ready to use.

No waiting. No price swings eating your margins while transactions clear.

NFT Receipts: Not a Gimmick

This one surprises people.

NFT receipts for accounting sound like a Web3 buzzword. They're not. They're actually solving a real problem.

Every transaction minted as an NFT creates:

• Immutable proof of sale

• Automatic audit trail

• Simplified tax documentation

• Reduced accounting overhead

NOWPayments doesn't offer this. Traditional processors definitely don't.

For businesses dealing with complex accounting requirements or operating across multiple jurisdictions, NFT receipts eliminate hours of reconciliation work. Your accountant will thank you.

The Receivables Token: Unlocking Liquidity

Here's where Larecoin gets genuinely innovative.

A receivables token turns your expected payments into tradeable assets. Waiting 30, 60, 90 days for settlement? Convert that future value into present liquidity.

NOWPayments doesn't have this functionality. Neither do most crypto payment processors.

For merchants managing cash flow across global operations, this isn't just convenient: it's transformational. Read more about how receivables tokens unlock real merchant freedom.

When NOWPayments Makes Sense

Fair is fair. NOWPayments has its strengths.

Choose NOWPayments if you:

• Need access to 300+ specific cryptocurrencies

• Want optional custodial services for convenience

• Operate primarily in established crypto-native markets

• Prefer a longer track record over newer features

They've been around. They're reliable. The ~5 minute processing time works for plenty of use cases.

When Larecoin Makes Sense

Choose Larecoin if you:

• Prioritize cutting fees by 50%+

• Require instant settlement

• Want native stablecoin functionality

• Need NFT receipts for accounting

• Value true self-custody

• Process higher volumes where fee savings compound

• Want bank-free business operations

The gas-only fee structure scales beautifully. The more you process, the more you save relative to percentage-based models.

Global Reach: Both Deliver

Let's be clear: both platforms handle Web3 global payments effectively.

NOWPayments serves merchants in 200+ countries. Larecoin's decentralized architecture operates borderlessly by design.

For international businesses, either platform beats traditional processors on speed, fees, and accessibility. The question becomes: which specific features align with your operations?

Integration Complexity

NOWPayments offers established APIs and plugins for major e-commerce platforms. Years of development. Plenty of documentation.

Larecoin's integration follows similar patterns but adds:

• Contactless POS systems

• Merchant portal with real-time analytics

• AI/ML-powered search

• Direct metaverse shopping capabilities

For small businesses wanting a crypto POS system, both work. Larecoin just bundles more functionality into the package.

The Honest Take on Source Bias

Here's something we need to address directly.

A lot of comparison content online comes from Larecoin's marketing materials. That includes some of the data points we're discussing. Take the claimed savings percentages with appropriate skepticism until you run your own numbers.

The fee structures are verifiable. The features are documented. But always do your own due diligence before committing to any payment infrastructure.

Making Your Decision

Your business isn't generic. Your payment solution shouldn't be either.

Run these numbers for your specific situation:

1. Calculate your annual transaction volume

2. Determine your current payment processing costs

3. Estimate costs under each platform's fee structure

4. Factor in feature requirements (NFT receipts, self-custody, stablecoin needs)

5. Consider integration complexity for your existing stack

For a deeper comparison including CoinPayments, check out our three-way breakdown.

The Bottom Line

NOWPayments delivers reliability and broad crypto support. It's a proven NOWPayments alternative to traditional processors.

Larecoin delivers aggressive fee savings, native stablecoin settlement, and features like NFT receipts that genuinely solve merchant problems.

For merchants processing significant volume who prioritize cost reduction and self-custody? Larecoin's math works out better.

For merchants needing access to hundreds of specific tokens with optional custodial flexibility? NOWPayments remains solid.

Your move.

Ready to explore what Larecoin can do for your business? Start here.