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

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. Traditional payment processors take their cut. And it adds up fast.

Web3 payment solutions promise relief. But not all of them deliver. Some just swap one middleman for another.

Let's break down three major players: Larecoin, CoinPayments, and NOWPayments. Real numbers. Real differences. No fluff.

The Fee Problem Nobody Talks About

Here's the truth. Most crypto payment processors still charge percentage-based fees. Sound familiar? That's because they're running the same playbook as legacy payment rails.

You're processing $500,000 annually? You're still bleeding thousands in fees.

The question isn't whether crypto is cheaper. The question is which crypto solution actually delivers on that promise.

The Numbers Don't Lie: Fee Comparison

Let's get specific. Here's what you're actually paying:

Platform	Processing Fee	Annual Cost ($500K Volume)
NOWPayments	0.5-1%	$2,500 - $5,000
CoinPayments	0.5-1%	$2,500 - $5,000
Larecoin	Gas-only	Under $2,000

NOWPayments charges 0.5% for single-currency transactions. Multi-currency? That jumps to 1%. Larger merchants get some customization options. But you're still paying a percentage.

CoinPayments runs a similar model. 0.5-1% processing fees. Plus additional withdrawal fees depending on which cryptocurrency you're using. The costs stack.

Larecoin takes a fundamentally different approach. Gas-only transfers. You pay the blockchain network fee. Period. No percentage skimmed off the top.

For that same $500,000 in annual volume? You're looking at under $2,000 total. That's potentially $3,000+ back in your pocket every year.

Why Gas-Only Changes Everything

Percentage-based fees scale against you. The more successful your business becomes, the more you pay.

Gas fees? They stay relatively flat regardless of transaction size.

Sending $100? Gas fee. Sending $10,000? Same gas fee.

This is the fundamental shift. Larecoin's model rewards growth instead of penalizing it.

Self-Custody: Your Money, Your Control

Here's where it gets interesting.

NOWPayments and CoinPayments operate as intermediaries. They hold your funds. Then release them to you. There's a delay. There's counterparty risk. And there's always that uncomfortable feeling of someone else controlling your money.

Larecoin flips the script entirely.

Full self-custody. Funds transfer directly to your wallet. Near-instant settlement. No intermediary holding your revenue hostage.

This isn't just about convenience. It's about security. It's about liquidity. It's about running your business on your terms.

Key benefits of Larecoin's self-custody model:

• Instant access to your funds

• Zero counterparty risk : no middleman holding your money

• Complete control over your wallet and keys

• Reduced attack surface : fewer points of failure

Your revenue hits your wallet. Done.

LUSD: The Stablecoin Advantage

Crypto volatility concerns? Solved.

Larecoin's native LUSD stablecoin integration eliminates price fluctuation anxiety. Accept payment. Receive stable value. Simple.

Here's what LUSD brings to the table:

• Zero volatility on received payments

• Minimal gas costs for transfers

• Seamless integration within the Larecoin ecosystem

• No conversion fees eating into your margins

You're not gambling on Bitcoin's price swings. You're not scrambling to convert before a dip. LUSD maintains value stability while keeping transaction costs rock-bottom.

This is crypto payments without the crypto anxiety.

NFT Receipts: Immutable Transaction Records

Paper receipts? Outdated. Database entries? Corruptible. NFT receipts? Permanent.

Larecoin issues NFT-based receipts for every transaction. These aren't just fancy digital tokens. They're immutable records on the blockchain.

What this means for your business:

• Permanent proof of every transaction

• Tamper-proof records for accounting and compliance

• Easy dispute resolution with verifiable data

• Audit-ready documentation without the paperwork nightmare

Neither NOWPayments nor CoinPayments offers anything comparable. They're still playing in the Web2 sandbox while Larecoin builds native Web3 infrastructure.

US Compliance: The Differentiator Nobody Expects

Here's where many crypto payment solutions fall short. Regulatory compliance.

Operating in the US market? You need proper licensing. You need registration. You need a provider that takes compliance seriously.

Larecoin maintains rigorous US compliance through:

• MSB (Money Services Business) registration at the federal level

• State MTL (Money Transmitter License) strategy for comprehensive coverage

• Proactive regulatory engagement : not waiting for enforcement

This matters. A lot.

CoinPayments and NOWPayments have their own compliance approaches. But Larecoin's commitment to US regulatory frameworks provides peace of mind for merchants who can't afford compliance headaches.

You're building a business. Not a legal liability.

The Real Cost of "Cheap" Alternatives

Let's talk hidden costs.

CoinPayments tacks on withdrawal fees depending on the cryptocurrency. Processing at 0.5%? Great. But factor in withdrawal fees, and your actual costs climb.

NOWPayments offers tiered pricing for larger merchants. More volume, better rates. But you're still playing the percentage game. And that 1% on multi-currency transactions adds up fast.

Larecoin keeps it transparent. Gas fees are visible on-chain. No hidden charges. No surprise deductions. No "processing fees" masquerading as something else.

What you see is what you pay.

Feature Comparison At A Glance

Feature	Larecoin	NOWPayments	CoinPayments
Fee Model	Gas-only	0.5-1%	0.5-1%
Self-Custody	✅ Yes	❌ No	❌ No
Native Stablecoin	✅ LUSD	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
US MSB Registered	✅ Yes	Varies	Varies
Instant Settlement	✅ Yes	Delayed	Delayed

The differences are stark. Larecoin isn't just competing on price. It's offering fundamentally different infrastructure.

Who Should Choose What?

Choose NOWPayments if:

• You need multi-currency support immediately

• You're comfortable with percentage-based fees

• Intermediary custody doesn't concern you

Choose CoinPayments if:

• You want extensive altcoin support

• You don't mind withdrawal fees

• You're okay with traditional processing models

Choose Larecoin if:

• Fee savings matter to your bottom line

• Self-custody is non-negotiable

• You want native Web3 features (LUSD, NFT receipts)

• US compliance is a priority

• You're building for the long term

The Bottom Line

Web3 payments should mean more than accepting crypto. They should mean owning your infrastructure. Controlling your funds. Minimizing unnecessary costs.

NOWPayments and CoinPayments brought crypto payments to the masses. They deserve credit for that. But they're still operating on Web2 business models with Web3 technology.

Larecoin represents the next evolution. Gas-only fees. Self-custody. LUSD stability. NFT receipts. Rigorous compliance.

The math is simple. On $500,000 in annual volume, you're saving $500-$3,000+ compared to competitors. Every year. Compounding.

That's money back in your business. Money for growth. Money for innovation.

Ready to slash your interchange fees for real?

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