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

Let's cut to the chase.

You're bleeding money on payment processing fees. Every transaction. Every day. And the Web3 payment solution you chose? It might be costing you more than you realize.

Today, we're putting three major players head-to-head: Larecoin, CoinPayments, and NOWPayments. No fluff. Just real numbers and real differences that impact your bottom line.

By the end of this breakdown, you'll know exactly which platform actually delivers on fee savings: and which ones are just talking a big game.

The Fee Problem Nobody Wants to Talk About

Here's the dirty secret of crypto payment processing.

Most platforms advertise "low fees." Sounds great, right? But when you dig into the actual numbers, those percentage-based fees stack up fast.

CoinPayments charges 0.5% per transaction. Plus variable withdrawal fees depending on which cryptocurrency you're using.

NOWPayments sits at 0.5% for single-currency transactions. Bump that to 1% when you need multi-currency conversions.

Let's do some quick math.

Processing $500,000 in annual volume? You're looking at roughly $2,500 to $5,000 in transaction fees alone. Before withdrawal fees. Before conversion fees. Before all the hidden costs that chip away at your revenue.

That's money walking out the door every single year.

Larecoin's Gas-Only Model: A Different Approach

Here's where Larecoin flips the script.

No percentage-based fees. No withdrawal fees. No conversion penalties.

You pay network gas fees. That's it.

What does this mean in real dollars? For that same $500,000 in annual volume, Larecoin users report costs under $2,000. Compare that to the $3,750+ you'd shell out with NOWPayments or CoinPayments.

That's a 50%+ reduction in payment processing costs.

Year after year.

The math is simple. The savings are real. And for merchants processing significant volume, this difference compounds into serious money.

Self-Custody: Who Actually Controls Your Funds?

Fees matter. But custody matters more.

Let's break down how each platform handles your money:

CoinPayments: Custodial model. Your funds sit in their wallets until you withdraw. Variable processing times: sometimes minutes, sometimes hours. You're trusting a third party with your revenue.

NOWPayments: Also custodial. Settlement takes around 5 minutes, which is faster. But your funds still flow through their system first. Third-party custody remains the standard.

Larecoin: Full self-custody. Near-instant settlement. Funds flow directly from customer to merchant without intermediary holdings.

This isn't a minor detail.

Self-custody means you control your assets. No waiting for withdrawals. No counterparty risk. No platform holding your revenue hostage.

In the traditional finance world, you'd never hand your cash register to a third party and wait for them to give you access. Why accept that in Web3?

NFT Receipts: Immutable Proof of Every Transaction

Here's something neither CoinPayments nor NOWPayments offers.

NFT-based receipts.

Every Larecoin transaction generates an immutable, on-chain receipt. Not a PDF. Not an email confirmation. A permanent, verifiable proof of payment that lives on the blockchain forever.

Why does this matter?

• Accounting becomes bulletproof. Every transaction is timestamped and immutable.

• Disputes disappear. Customer claims they paid? Check the blockchain.

• Audit-ready from day one. No scrambling for records. Everything's on-chain.

For merchants dealing with high-value transactions or operating in regulated industries, this feature alone justifies the switch.

NOWPayments and CoinPayments? Standard receipts. Standard problems.

LUSD: The Stablecoin Advantage

Volatility kills crypto adoption for merchants.

Accept Bitcoin today. Watch it drop 10% tomorrow. Suddenly your margins evaporated.

Larecoin solves this with LUSD: a native stablecoin integration that gives merchants price stability without leaving the ecosystem.

Here's how it works:

• Accept crypto payments from customers

• Instantly convert to LUSD

• Maintain stable value until you're ready to off-ramp

No scrambling to convert. No timing the market. No watching your revenue swing with crypto prices.

CoinPayments and NOWPayments support various stablecoins, sure. But the seamless LUSD integration within Larecoin's ecosystem creates a frictionless experience that competitors haven't matched.

US Compliance: The Elephant in the Room

Let's talk about something most Web3 payment providers avoid.

Regulatory compliance.

Operating in the United States means navigating a complex web of federal and state requirements. Money Services Business (MSB) registration. State-by-state Money Transmitter Licenses (MTL). The compliance burden is real.

Larecoin's approach? Rigorous US compliance with an MSB and state MTL strategy built from the ground up.

This isn't just paperwork. It's legitimacy.

For merchants operating in the US, working with a compliant payment processor means:

• Reduced regulatory risk for your business

• Cleaner banking relationships

• Long-term operational stability

NOWPayments and CoinPayments serve US merchants, but their compliance frameworks differ significantly. Due diligence matters here.

When regulators come knocking: and they will: you want a payment partner that's already done the homework.

The Head-to-Head Comparison

Let's stack these platforms side by side:

Feature	Larecoin	CoinPayments	NOWPayments
Transaction Fee	Gas only	0.5% + withdrawal fees	0.5-1%
Custody Model	Self-custody	Custodial	Custodial
Settlement Speed	Near-instant	Variable (min-hours)	~5 minutes
NFT Receipts	✅ Yes	❌ No	❌ No
Native Stablecoin	LUSD	No	No
US Compliance	MSB + MTL strategy	Varies	Varies

The numbers don't lie.

Real Savings for Real Merchants

Let's paint a picture.

You're processing $500,000 annually. Solid business.

With NOWPayments or CoinPayments:

• Transaction fees: ~$2,500-$5,000

• Plus withdrawal fees

• Plus conversion fees

• Total annual cost: $3,750+

With Larecoin:

• Gas fees only: Under $2,000

• No withdrawal fees

• LUSD conversion built-in

• Total annual cost: Sub-$2,000

Annual savings: $1,750+

Scale that to $1 million in volume. $5 million. $10 million. The gap widens exponentially.

And that's before factoring in the operational advantages of self-custody, NFT receipts, and native stablecoin support.

The Bottom Line

Three platforms. One clear winner.

CoinPayments and NOWPayments serve their purpose. They've been around. They work. But their fee structures and custodial models belong to an older generation of crypto payments.

Larecoin represents what's next.

Gas-only fees. Self-custody. NFT receipts. LUSD integration. US compliance built into the foundation.

If you're serious about slashing payment processing costs while maintaining full control of your funds, the choice is straightforward.

Ready to see the difference for yourself? Explore Larecoin and discover what Web3 payments should look like.

For a deeper dive into how Larecoin stacks up against individual competitors, check out our detailed breakdowns:

• NOWPayments vs Larecoin

• CoinPayments vs Larecoin

The future of merchant payments is here. The only question is whether you're ready to claim your share of the savings.