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 chips away at your margins. And if you're running a business that handles serious volume? Those percentages add up fast.

The Web3 payment space is crowded. NOWPayments. CoinPayments. New players every week. But here's the thing: most of them still operate like traditional payment processors with a crypto twist.

Time to break down what actually matters: fees, custody, and features that move the needle.

The Fee Reality Check

Numbers don't lie. Here's what you're actually paying:

Platform	Processing Fee	Annual Cost at $500K Volume
Traditional Processors	2.5-3%	~$15,000
NOWPayments	0.5-1%	~$5,000
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas-only	Under $2,000

That's not a typo.

NOWPayments charges 0.5% for single-currency transactions. Bump that to 1% when you need multi-currency conversions. Fair enough for what they offer.

CoinPayments runs a similar model. 0.5% base fee. 1% for tokens and stablecoins. Then you've got conversion fees. Withdrawal fees. It stacks up.

Larecoin? Gas-only transfers. No percentage-based fees eating into your revenue.

At $500,000 in annual transactions, you're looking at potential savings of $3,000+ compared to other crypto processors. Over $13,000 compared to traditional card processing.

That's real money back in your pocket.

Why Percentage Fees Are Outdated

Think about it.

A customer buys a $10,000 item. With a 1% fee, you just lost $100 on a single transaction. The processor did the exact same amount of work as a $100 purchase.

Makes zero sense.

Larecoin's gas-only model flips this completely. Whether you're processing $100 or $100,000, your cost stays minimal. Fixed. Predictable.

That's how Web3 payments should work.

The Custody Question Nobody Talks About

Here's where things get interesting.

Both NOWPayments and CoinPayments operate as custodial intermediaries. Your customer pays. The platform holds the funds. Eventually, you get access.

Sound familiar? It's the same model traditional processors use. Just with crypto.

Larecoin takes a fundamentally different approach: full self-custody.

Funds go directly to your wallet. No middleman holding your money. No waiting periods. No withdrawal requests.

Your crypto. Your keys. Your control.

For businesses that value sovereignty over their assets, this isn't just a feature: it's a requirement.

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption. We get it.

That's why Larecoin integrates LUSD: a native stablecoin designed specifically for the payment ecosystem.

Accept payments in any supported crypto. Settle in stable value. Simple.

No more watching your revenue fluctuate 10% while you sleep. LUSD gives you the benefits of crypto payments without the stomach-churning price swings.

Your accountant will thank you.

NFT Receipts: Beyond the Gimmick

"NFT receipts? Sounds like marketing fluff."

Heard that before. Let's talk about why it actually matters.

Traditional receipts are paper. Or PDFs. Easily lost. Easily forged. Zero utility beyond proof of purchase.

Larecoin's NFT receipt system creates immutable, blockchain-verified transaction records.

Here's what that unlocks:

• Automated warranty tracking tied to the receipt NFT

• Loyalty program integration without separate apps

• Returns and exchanges verified on-chain

• Resale authenticity for high-value items

For merchants selling premium goods, collectibles, or anything with secondary market value: NFT receipts aren't a gimmick. They're infrastructure.

The Compliance Factor

Let's address the elephant in the room.

US regulations. They're complicated. They're evolving. And they matter if you're serious about running a legitimate payment operation.

Larecoin is pursuing rigorous US compliance through an MSB (Money Services Business) registration and state MTL (Money Transmitter License) strategy.

What does this mean for merchants?

• Reduced regulatory risk when accepting crypto payments

• Clearer legal standing for your business

• Confidence in a platform building for long-term legitimacy

NOWPayments and CoinPayments serve the global market. But for US-focused businesses, working with a compliance-forward platform isn't optional anymore.

Feature-by-Feature Breakdown

Let's get specific.

NOWPayments Strengths

• 250-300+ cryptocurrencies supported

• Customizable network fee options

• ~5 minute average processing speed

• 0% service fee for payouts

• Solid API documentation

CoinPayments Strengths

• 2,000+ cryptocurrencies (the widest selection)

• Established since 2013 (track record matters)

• 0% service fee for payouts

• Multi-coin wallet functionality

Larecoin Strengths

• Gas-only transfer model (lowest fees)

• Native LUSD stablecoin integration

• NFT receipt system

• Full self-custody

• Contactless POS terminal support

• US compliance focus (MSB + state MTL strategy)

If you need to accept obscure altcoins? CoinPayments has the widest selection.

If you want customizable fee handling? NOWPayments offers flexibility.

If you want the lowest costs, self-custody, and US compliance? Larecoin is built for that.

Real Numbers: Annual Savings Scenario

Let's map this out for a business processing $500,000 annually.

Traditional processor (2.9% + $0.30):

• Processing fees: ~$14,500

• Monthly statements, PCI compliance, chargebacks: $500+

• Total: ~$15,000

NOWPayments/CoinPayments (0.5-1%):

• Processing fees: $2,500-$5,000

• Conversion fees: Variable

• Total: ~$5,000

Larecoin (gas-only):

• Network gas fees: ~$1,500-$2,000

• No percentage fees

• Total: Under $2,000

Annual savings vs. traditional: $13,000+ Annual savings vs. other crypto processors: $3,000+

Scale that to higher volumes. The gap widens dramatically.

The Self-Custody Difference in Practice

Why does self-custody actually matter day-to-day?

Scenario 1: Platform issues Custodial platform has technical problems. Your funds are inaccessible. With self-custody, your wallet doesn't care about someone else's server status.

Scenario 2: Policy changes Custodial platform updates terms of service. New restrictions on withdrawals. New fees. With self-custody, you're not subject to policy whims.

Scenario 3: Security breaches Custodial platform gets hacked. User funds compromised. With self-custody, your security is your responsibility: and your protection.

Not your keys, not your crypto. It applies to business treasury just as much as personal holdings.

Making the Switch

Ready to stop overpaying?

Here's the path forward:

1. Evaluate your current costs – Pull your processing statements. Calculate what you're actually paying.

2. Test with a pilot – Try Larecoin for a subset of transactions. Compare the experience.

3. Train your team – Self-custody means responsibility. Make sure your wallet security is locked down.

4. Communicate with customers – Many prefer crypto payment options. Let them know it's available.

The Larecoin ecosystem is designed for merchants who are done leaving money on the table.

Bottom Line

NOWPayments and CoinPayments are legitimate platforms. They've served the crypto payment space for years.

But the model they built: percentage fees, custodial holding, traditional processor vibes: isn't the future.

Larecoin represents what Web3 payments should be:

• Gas-only costs

• Self-custody by default

• NFT receipts for enhanced utility

• LUSD for stability

• US compliance for legitimacy

Your margins matter. Your sovereignty matters. Your compliance matters.

Choose accordingly.

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Ready to explore what fee savings look like for your business? Visit larecoin.com to learn more about integrating the next generation of Web3 payments.