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

Choosing a Web3 global payments solution isn't just about accepting crypto. It's about fees. Control. Speed. And keeping more money in your pocket.

NOWPayments has been around since 2019. Solid reputation. Tons of token support. But is "established" the same as "best"?

Enter Larecoin. Built for merchants who want to slash interchange fees by 50%+, maintain full self-custody, and leverage Web3-native features like NFT receipts for accounting.

Let's break it down.

The Quick Comparison

Before we dive deep, here's what you need to know at a glance:

Feature	NOWPayments	Larecoin
Processing Fees	0.5-1%	Gas-only (network fees)
Custody Model	Mixed (optional custody)	Full self-custody
Setup Time	Hours to days	Minutes
Transaction Speed	~5 minutes	Sub-second finality
Stablecoin Access	Requires external conversion	Native LUSD integration
Unique Features	300+ tokens	NFT receipts, push-to-card

Now let's get into the details that actually matter for your bottom line.

Fee Structure: Where Your Money Actually Goes

This is where it gets interesting.

NOWPayments charges 0.5-1% processing fees. Sounds small, right? Run $500,000 in annual transaction volume through that. You're looking at approximately $3,750 gone. Every year.

Larecoin operates on a gas-only transfer model. Network fees only. Same $500,000 in volume? Under $2,000 annually.

That's 50%+ savings. Not marketing speak. Math.

For small businesses running on tight margins, this difference compounds fast. For larger operations processing millions? We're talking tens of thousands in savings annually.

Traditional payment processors charge 2.5-3.5% interchange fees. Most crypto processors still take their cut on top. Larecoin's approach is different: you pay the blockchain, not a middleman.

Self-Custody Merchant Accounts: Who Really Controls Your Money?

Here's a question every merchant should ask: When a payment comes in, where does it go?

NOWPayments offers non-custodial options. Good. But operational balances can be held in optional custody. That means your funds might sit in someone else's control before reaching you.

Larecoin is built on full self-custody from day one. Funds transfer immediately to your Smart Wallet. No holds. No waiting. No "we'll release your funds in 3-5 business days."

Why does this matter?

• No payment processor freezes

• No unexpected fund holds

• No third-party risk

• Complete financial sovereignty

For businesses burned by traditional processors freezing accounts without warning, this is a game-changer. Your money. Your control. Period.

LUSD Stablecoin Benefits: Stability Without the Hassle

Crypto volatility scares merchants. Understandably.

You accept $1,000 in Bitcoin. By the time you convert it, it's $920. Or $1,100. Unpredictable. Hard to run a business that way.

NOWPayments handles this by... well, requiring you to figure it out yourself. External conversion tools. Additional fees. Processing delays. Another account to manage.

Larecoin integrates LUSD stablecoin natively. Dollar-pegged. Zero volatility. Built into the ecosystem.

The killer feature? Push-to-card functionality.

Accept crypto. Convert to LUSD. Push directly to your debit card. Use it anywhere. No crypto-to-fiat conversion headaches. No additional exchange accounts. No waiting.

This is what bank-free business operations actually look like in 2026.

Setup and Integration: Time Is Money

How long does it take to start accepting payments?

NOWPayments requires API integration. Developer resources. Testing. Implementation typically takes hours to days depending on your technical setup.

Larecoin uses a QR-based crypto POS system. No specialized hardware required. No developers needed.

Operational in minutes.

For small businesses without dedicated tech teams, this matters. You shouldn't need to hire a developer to accept payments. Scan a QR code. Done. Start accepting crypto today.

Transaction Speed: Sub-Second vs. Five Minutes

Speed affects customer experience. And your cash flow.

NOWPayments processes transactions in approximately 5 minutes. Acceptable for many use cases. But in a retail environment? That's awkward. Customer standing there. Waiting. Checking their phone.

Larecoin is built on Solana. Sub-second finality.

Transaction confirmed before the customer puts their phone away. No different from tapping a credit card. This is what mainstream crypto adoption requires, speed that matches or beats traditional payment rails.

For Web3 global payments, this speed remains consistent regardless of geography. No premium for international transactions. No slower processing for cross-border payments. Same sub-second finality whether your customer is in Tokyo, Toronto, or Timbuktu.

NFT Receipts for Accounting: The Feature You Didn't Know You Needed

Here's where Larecoin gets genuinely innovative.

Every transaction generates an NFT receipt. On-chain. Immutable. Permanent.

Why does this matter?

Tax documentation: Every receipt is timestamped and verifiable on the blockchain. No lost receipts. No "we can't find that transaction" during an audit.

Audit trails: Complete, unalterable records of every transaction. Try manipulating that.

Automated accounting: NFT receipts integrate with accounting workflows. No manual reconciliation. No chasing down transaction records.

NOWPayments gives you transaction records. Standard stuff. But those records live in their system. What happens if they update their platform? Migrate databases? Shut down?

NFT receipts live on-chain forever. Your business records aren't dependent on any company's continued existence or goodwill.

For businesses processing hundreds or thousands of transactions monthly, the accounting time savings alone justify the switch.

Cryptocurrency Support: Quantity vs. Quality

NOWPayments supports 300+ cryptocurrencies. Impressive number. If your customers want to pay in obscure altcoins, they've got you covered.

Larecoin supports comprehensive cryptocurrency options with a focus on practical utility. The question isn't "how many tokens can we support?" It's "which tokens do customers actually use?"

The receivables token architecture means you're not locked into one currency. Accept what makes sense for your business. Convert seamlessly. Maintain flexibility without the complexity of managing 300 different wallets.

The Verdict: Which Should You Choose?

Choose NOWPayments if:

• Maximum token variety is your top priority

• You're comfortable with API integration

• You prefer established, familiar platforms

• Five-minute transaction times work for your use case

Choose Larecoin if:

• You want to reduce merchant interchange fees by 50%+

• Self-custody and financial control matter to you

• You need fast setup without developer resources

• Sub-second transaction speed is important

• NFT receipts for accounting appeal to your operations

• LUSD stablecoin benefits fit your cash flow needs

• You want push-to-card functionality for instant access to funds

For businesses serious about Web3 global payments in 2026, the choice is increasingly clear. Lower fees. Full control. Faster transactions. Better accounting tools.

That's not marketing. That's the future of merchant payments.

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Ready to see the difference for yourself? Explore Larecoin and discover what a true self-custody merchant account can do for your business.

Have questions? Join the conversation in our global community forums where merchants share real experiences and implementation tips.