Larecoin Vs CoinPayments Vs NOWPayments: Which Web3 Payment Processor Actually Slashes Your Fees?

Web3 payments are evolving fast. But most payment processors? Still stuck charging you fees that eat into your margins.

If you're running a business accepting crypto, you've probably looked at the big names. NOWPayments. CoinPayments. Maybe a few others.

Here's the thing. Not all processors are built the same. And the fee structures? Wildly different.

Let's break it down. No fluff. Just facts.

The Fee Problem Nobody Talks About

Traditional payment processors charge anywhere from 2-3% per transaction. Credit cards. PayPal. The usual suspects.

Crypto was supposed to fix this.

But many Web3 payment processors still hit you with 0.5-1% fees. Plus conversion costs. Plus network fees. Plus withdrawal fees.

It adds up fast.

Processing $500,000 annually? Here's what you're looking at:

• Traditional processors: ~$15,000 in fees

• NOWPayments/CoinPayments: ~$5,000 in fees

• Larecoin: Under $2,000

That's not a typo. 50%+ savings compared to other crypto processors.

Breaking Down the Competition

NOWPayments

Operating since 2019. Solid reputation. 300+ cryptocurrencies supported.

The fees:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Customizable network fee options

Average processing speed? About 5 minutes. Not bad.

But here's the catch. NOWPayments operates as a custodial intermediary. Your funds sit in their system before release.

CoinPayments

The OG. Launched in 2013. Supports 2,000+ cryptocurrencies.

The fees:

• 0.5% for BTC/ETH

• 1% for tokens and stablecoins

• No customizable fee options

Processing speeds? Variable. Could be minutes. Could be hours.

Same problem as NOWPayments. Custodial model. Your crypto isn't in your wallet until they release it.

Larecoin

Different architecture entirely.

The fees:

• Gas-only transfers

• No percentage-based processing fees

• LUSD stablecoin built-in natively

This is where it gets interesting.

The Self-Custody Advantage

Here's what most merchants miss.

With custodial processors like NOWPayments and CoinPayments, your funds go through an intermediary. They hold your crypto. They decide when to release it.

Not your keys? Not your crypto.

Larecoin flips the script.

Direct merchant-to-customer transactions. Funds go straight to your wallet. No middleman sitting on your money.

Self-custody means:

• Immediate access to your funds

• Zero counterparty risk

• Full control over your assets

• No withdrawal delays

In Web3, self-custody isn't a feature. It's the whole point.

LUSD: The Stablecoin Built for Payments

Volatility kills commerce. Nobody wants to accept payment and lose 10% value before they can use it.

That's where stablecoins come in.

NOWPayments and CoinPayments support stablecoins. Through conversion. Third-party integrations. Extra steps. Extra fees.

Larecoin built LUSD directly into the ecosystem.

Why this matters:

1. No conversion fees , LUSD is native, not converted

2. Price stability , Pegged value means predictable accounting

3. Seamless integration , Works automatically within the payment flow

4. Lower gas costs , Optimized for the Larecoin network

For merchants, LUSD eliminates the crypto volatility headache entirely.

Accept payment. Know exactly what you're getting. Done.

NFT Receipts: Not a Gimmick

Every transaction on Larecoin generates an NFT receipt.

Sound unnecessary? Think again.

For merchants:

• Immutable proof of transaction

• Automated record-keeping on-chain

• Simplified tax documentation

• Customer dispute resolution

For customers:

• Verifiable purchase history

• Ownership proof for warranties

• Collectible transaction records

• Easy returns and exchanges

Neither NOWPayments nor CoinPayments offers this. It's a Larecoin exclusive.

These receipts live on the blockchain forever. No lost emails. No missing records. Just permanent, verifiable proof.

The Compliance Factor

Running a payment processor in the US? It's complicated.

Some platforms avoid US customers entirely. Others operate in regulatory gray zones.

Larecoin takes a different approach.

US Compliance Strategy:

• Registered Money Services Business (MSB)

• State Money Transmitter License (MTL) strategy

• Full regulatory transparency

This matters if you're a US-based business. Or if you serve US customers. Or if you want to avoid legal headaches down the road.

Working with a compliant processor isn't optional anymore. Regulators are watching.

Feature-by-Feature Comparison

Let's make this simple.

Feature	Larecoin	NOWPayments	CoinPayments
Self-Custody	✅ Yes	❌ No	❌ No
Processing Fee	Gas-only	0.5-1%	0.5-1%
Native Stablecoin	✅ LUSD	❌ Via conversion	❌ Via conversion
NFT Receipts	✅ Yes	❌ No	❌ No
US Compliant	✅ MSB/MTL	Varies	Varies
Customizable Fees	✅ Yes	✅ Yes	❌ No

The pattern is clear.

Real Numbers for Real Businesses

Let's talk annual processing volume.

At $100,000/year:

• NOWPayments/CoinPayments: $500-$1,000 in fees

• Larecoin: Under $400 (gas costs only)

At $500,000/year:

• NOWPayments/CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000

At $1,000,000/year:

• NOWPayments/CoinPayments: $5,000-$10,000 in fees

• Larecoin: Under $4,000

Scale matters. The bigger your volume, the bigger your savings.

The Bottom Line

Every payment processor has trade-offs.

NOWPayments offers solid multi-currency support and customizable fees. Good for businesses that need lots of altcoin options.

CoinPayments has been around longest. Supports the most cryptocurrencies. Reliable but dated.

Larecoin delivers the lowest fees through gas-only transfers. Plus self-custody. Plus native LUSD. Plus NFT receipts. Plus US compliance.

If fee reduction is your priority? The math speaks for itself.

If self-custody matters? Only one option delivers.

If you want the complete Web3-native payment experience? You know where to look.

Ready to Make the Switch?

Crypto payments don't have to be complicated. Or expensive.

Explore Larecoin's payment solutions and see the difference for yourself.

Join the Larecoin Community to connect with other merchants already slashing their fees.

The future of Web3 payments is here. Time to stop overpaying for it.