Are You Paying Too Much for Crypto Payments? Here's What NOWPayments and CoinPayments Won't Tell You

The Fine Print Nobody Reads

You see 0.5% advertised. You think that's the cost.

Wrong.

NOWPayments and CoinPayments are masters at hiding the real numbers. That shiny 0.5-1% base fee? Just the tip of the iceberg.

Here's what actually hits your bottom line:

• Network fees added on top

• Withdrawal penalties every time you move funds

• Currency conversion spreads buried in multi-currency transactions

• Gas costs pushed to your customers (or absorbed by you)

The advertised rate is marketing theater. The real cost? 2-3x higher.

The Math They Hope You'll Never Do

Let's break down actual costs at realistic volumes.

$100,000 annual processing:

• Advertised cost: $500-$1,000

• Actual cost with all fees: $750-$1,500

• Hidden markup: 50-100%

$500,000 annual processing:

• Advertised cost: $2,500-$5,000

• Actual cost with all fees: $3,500-$7,500

• Hidden markup: 40-50%

Those "small" network fees compound fast. Withdrawal charges stack up. Conversion spreads bleed you dry on every multi-currency transaction.

And neither platform makes these costs crystal clear upfront.

The Custody Trap

Here's the bigger problem most merchants miss.

When you use NOWPayments or CoinPayments, you don't actually control your crypto.

Your funds sit on their platforms. You're asking permission to access your own money. Withdrawal fees? That's the price of requesting what's already yours.

Want to move funds to cold storage? Fee.

Want to send to a different wallet? Fee.

Want to actually use your crypto independently? Fee, fee, fee.

You're renting access to your own revenue.

How Larecoin Flips the Script

Self-custody from day one.

Your wallet. Your keys. Your crypto. No intermediary holding your funds hostage.

Gas-only transfers mean:

• No platform fees siphoning your revenue

• No withdrawal penalties

• No custody fees

• No permission needed to access your money

You pay blockchain network costs. That's it. No markup. No middleman tax.

LUSD: Stability Without the Volatility Tax

CoinPayments charges 1% for stablecoin transactions. NOWPayments adds conversion fees when you're juggling multiple currencies.

Larecoin's LUSD changes the game:

Stable value pegged to USD. Built natively into the ecosystem. No conversion spreads. No multi-currency penalty fees.

Accept payments in LUSD. Hold value without volatility. Move funds without conversion charges.

It's crypto stability without the traditional stablecoin surcharges.

Merchants get predictable accounting. Customers get familiar pricing. Nobody gets nickel-and-dimed on conversions.

NFT Receipts: Innovation They Can't Match

Here's where Larecoin goes places NOWPayments and CoinPayments can't even imagine.

Every transaction generates an NFT receipt.

Not just a digital record. A verifiable, tradeable, programmable proof of purchase.

• Loyalty programs built into receipts

• Automatic rewards distribution

• Resellable proof of purchase for limited items

• Transparent transaction history on-chain

• Collectible receipts for brand engagement

Your receipts become assets. Customer engagement becomes gamified. Loyalty programs run themselves through smart contracts.

This is Web3-native innovation. Not retrofitted crypto slapped onto traditional payment rails.

The Freedom Factor

NOWPayments and CoinPayments operate as gatekeepers.

They decide:

• When you can withdraw

• What you can withdraw

• Where you can send funds

• How much they'll charge you for the privilege

Larecoin operates as infrastructure.

You decide everything. Move funds anywhere. Hold in your own wallet. Integrate with any DeFi protocol. No platform controlling access.

This is merchant independence.

This is financial sovereignty.

This is what decentralized payments actually look like.

Real Decentralization vs. Crypto Cosplay

Both NOWPayments and CoinPayments call themselves crypto payment processors.

But they operate like traditional payment gateways wearing crypto costumes.

Centralized custody. Platform control. Hidden fee structures. Withdrawal restrictions.

Larecoin builds actual Web3 infrastructure:

• Self-custody wallets by default

• Smart contract automation

• DAO governance for ecosystem decisions

• Cross-chain swaps without platform fees

• Direct peer-to-peer transactions

No intermediary taking cuts. No platform holding your funds. No permission needed to participate.

Breaking Down the Real Costs

Let's get specific about where traditional platforms drain merchant revenue:

NOWPayments fee structure:

• 0.5% base fee (single currency)

• 1% multi-currency conversion

• Variable network fees

• Withdrawal charges per transaction

• Custody risk (your funds, their control)

CoinPayments fee structure:

• 0.5% major cryptocurrencies

• 1% tokens and stablecoins

• Gas costs passed to customer or merchant

• Withdrawal penalties

• Conversion spreads on currency changes

Larecoin cost structure:

• Gas fees only

• No platform percentage

• No withdrawal charges

• No custody fees

• No conversion spreads for LUSD

The difference compounds dramatically over time.

Why the Industry Stays Quiet

Here's the uncomfortable truth: traditional crypto payment platforms profit from complexity.

Confusing fee structures keep merchants from calculating real costs. Multi-layered charges hide the actual expense. Custody models create dependency and lock-in.

It's profitable opacity.

Larecoin's model threatens that business structure. Gas-only fees are transparent. Self-custody eliminates dependency. LUSD removes conversion profit centers.

No wonder competitors don't highlight these alternatives.

The Migration Path

Switching sounds complicated. It's not.

Set up a Larecoin merchant wallet:

• 5 minutes from start to accepting payments

• Self-custody from transaction one

• No approval process or application review

• Immediate access to all ecosystem features

Start accepting LUSD:

• Stable value without volatility risk

• No conversion fees eating margins

• Predictable accounting for traditional books

• Familiar USD pricing for customers

Enable NFT receipts:

• Automatic generation for every transaction

• Programmable loyalty rewards

• Customer engagement through collectibles

• Zero additional setup beyond initial integration

Migration takes hours, not weeks. No disruption to existing operations.

What Merchants Actually Save

Real numbers from comparable transaction volumes:

A merchant processing $250,000 annually through CoinPayments pays roughly $2,000-$3,000 in combined fees.

Same merchant using Larecoin:

• $300-$500 in total gas costs

• Savings: $1,500-$2,500 annually

• ROI: Immediate and recurring

Scale that to $1 million annually:

• Traditional platform: $8,000-$12,000 in fees

• Larecoin: $1,200-$2,000 in gas costs

• Savings: $6,000-$10,000 annually

The math is brutal for traditional platforms.

The Bottom Line

You're probably paying too much. Way too much.

NOWPayments and CoinPayments built profitable businesses on hidden fees, custody control, and conversion markups.

Larecoin built an ecosystem on transparency, self-custody, and merchant freedom.

Gas-only transfers. LUSD stability. NFT receipts. True decentralization.

Calculate your real costs. Compare honestly. Make the switch.

Your margins will thank you.

Ready to stop overpaying?Explore Larecoin's merchant solutions and see the difference self-custody makes.

The crypto payment revolution isn't coming. It's here. And it doesn't look like traditional processors in crypto clothing.

It looks like actual Web3 infrastructure built for merchant independence.