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

Web3 payments are evolving fast. But most payment processors? Still stuck in 2021.

You're here because you want the real breakdown. Not marketing fluff. Not vague promises. Hard numbers. Real features. Actual fee savings.

Let's get into it.

The Fee Problem Nobody Talks About

Processing fees eat your margins alive. Every transaction. Every sale. Death by a thousand cuts.

NOWPayments charges 0.5% for single-currency transactions. 1% for multi-currency. CoinPayments? Same story: 0.5% for BTC/ETH, 1% for tokens and stablecoins.

Sounds small. It's not.

Run $500,000 through these platforms annually. You're looking at $2,500 to $5,000 in processing fees alone. That's before network fees even enter the conversation.

Traditional processors? Even worse. $15,000+ for the same volume.

Larecoin's Gas-Only Model: The Math That Matters

Here's where things get interesting.

Larecoin operates on a gas-only transfer model. No processing fees. Zero. You pay network fees: that's it.

Same $500,000 annual volume? Under $2,000 in total costs.

That's not a marginal improvement. That's a 60%+ reduction compared to NOWPayments and CoinPayments. And an 85%+ reduction versus traditional processors.

The difference? Direct merchant-to-customer transactions. No intermediary taking a cut. Built on Solana for near-instant settlement and minimal gas costs.

Speed: Minutes vs. Seconds

Time is money. Literally.

NOWPayments processes transactions in roughly 5 minutes on average. Acceptable for most use cases. CoinPayments? Variable. Sometimes minutes. Sometimes hours. Not ideal for modern commerce.

Larecoin? Near-instant settlement.

Solana's architecture enables sub-second finality. Your customer pays. You receive funds. Done. No waiting. No "pending" status eating into your operational efficiency.

For high-volume merchants, this isn't a nice-to-have. It's essential.

The Custody Question: Who Actually Controls Your Funds?

This is where Web3 payment solutions diverge dramatically.

CoinPayments uses a custodial model. They hold your funds. You trust them to release your money when you want it. Sound familiar? It should. It's basically traditional banking with crypto characteristics.

NOWPayments offers non-custodial options. Funds can go directly to your wallet. But they also hold funds as an intermediary for certain operations. Hybrid approach. Mixed results.

Larecoin? Full self-custody. Period.

Funds transfer directly to your merchant wallet. No holding periods. No intermediary possession. No "we'll release your funds in 3-5 business days."

Your keys. Your crypto. Your business.

LUSD: The Stablecoin Advantage

Volatility kills crypto commerce adoption. Everyone knows this.

Accept Bitcoin today. Worth $60,000. Tomorrow? Who knows.

NOWPayments and CoinPayments support various stablecoins. USDT. USDC. Standard fare.

Larecoin integrates LUSD natively. Zero-volatility transactions built into the ecosystem. Merchants receive stable value. Customers pay with confidence.

The difference? Seamless integration versus bolted-on solutions. LUSD isn't an afterthought: it's foundational to Larecoin's payment architecture.

NFT Receipts: Beyond Basic Transactions

Here's a feature neither NOWPayments nor CoinPayments offer.

NFT receipt systems.

Every transaction generates a verifiable, on-chain receipt. Immutable proof of purchase. Transferable. Collectible. Useful for warranties, loyalty programs, proof of authenticity.

Think bigger: Limited edition purchases. Event tickets. High-value goods requiring provenance tracking.

This isn't gimmicky Web3 theater. It's practical utility that creates new revenue opportunities and customer engagement mechanisms.

Cryptocurrency Support: Quantity vs. Quality

CoinPayments supports 2,000+ cryptocurrencies. Impressive number. But let's be honest: most merchants need maybe 10-15 popular options.

NOWPayments supports 300+ cryptocurrencies. More focused. Better integrations.

Larecoin takes a different approach. Strategic support for high-demand assets with native Solana ecosystem integration. Quality over quantity. Every supported token works seamlessly within the payment flow.

Plus: Cross-chain functionality is roadmapped for ecosystem expansion. The foundation exists for broader support without sacrificing user experience.

US Compliance: The Elephant in the Room

Here's something most Web3 payment comparisons ignore entirely.

Regulatory compliance.

Operating in the United States means navigating a complex web of federal and state requirements. Many crypto payment processors operate in gray areas. Risky for merchants. Risky for customers.

Larecoin pursues rigorous US compliance through MSB (Money Services Business) registration and a state MTL (Money Transmitter License) strategy. This isn't optional checkbox compliance. It's foundational to sustainable business operations.

Why does this matter to you?

• Reduced legal exposure for your business

• Clearer operational guidelines

• Long-term platform stability

• Banking relationship compatibility

Compliance isn't sexy. But it keeps your business running when regulators come knocking.

Integration Reality Check

Let's talk practical implementation.

CoinPayments has been around since 2013. Legacy integrations for major e-commerce platforms. But "legacy" cuts both ways: dated interfaces, clunky merchant experiences.

NOWPayments offers decent e-commerce integrations. WooCommerce. Shopify. Standard fare. Gets the job done.

Larecoin provides contactless POS terminal support alongside digital integrations. Physical retail compatibility. Online checkout. Unified merchant dashboard.

For businesses operating both brick-and-mortar and e-commerce? This unified approach eliminates fragmented payment infrastructure.

The Real Cost Comparison

Let's run the numbers one more time. Annual processing volume: $500,000.

Platform	Processing Fees	Estimated Network Fees	Total Annual Cost
Traditional Processor	2.5-3%	N/A	~$15,000
CoinPayments	0.5-1%	Variable	~$5,000
NOWPayments	0.5-1%	Variable	~$5,000
Larecoin	0%	Gas only	~$2,000

That's $3,000+ in annual savings versus the next-best Web3 option. $13,000+ versus traditional processors.

Scale that to $1M, $5M, $10M in annual volume. The savings compound dramatically.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency support immediately

• Multi-currency conversion is a primary requirement

• You're comfortable with hybrid custody arrangements

Choose CoinPayments if:

• Maximum cryptocurrency variety matters most

• You're already integrated and switching costs are prohibitive

• Legacy e-commerce platform compatibility is essential

Choose Larecoin if:

• Fee reduction is your primary objective

• Self-custody is non-negotiable

• US compliance matters for your operations

• You want NFT receipts and LUSD native integration

• Physical POS + digital checkout in one solution appeals to your business model

The Bottom Line

Web3 payment solutions aren't created equal.

NOWPayments and CoinPayments serve their purpose. They've been around. They work. But they represent Web3 payments as they existed: not as they're evolving.

Larecoin represents what's next. Gas-only fees. Full self-custody. Native stablecoin integration. NFT receipts. Regulatory compliance built in.

The fee savings alone justify exploration. Everything else? That's what makes it the smarter long-term bet.

Ready to slash your payment processing costs? Explore Larecoin's merchant solutions and see the difference for yourself.

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This post is part of Larecoin's 10-Year Blog Marathon: documenting our journey to become the ultimate Web3 payment solution.