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 in crypto payments? The same game continues: just dressed up in Web3 clothing.

But here's the thing. Not all crypto payment solutions play the same way.

We're breaking down the real numbers. Larecoin vs CoinPayments vs NOWPayments. No fluff. Just facts about which platform actually delivers on the promise of slashing your processing costs.

Let's get into it.

The Fee Problem Nobody Talks About

You switched to crypto payments to escape the traditional finance squeeze. Makes sense.

But most Web3 payment processors still charge percentage-based fees. Sound familiar?

That's the dirty secret of the crypto payments industry. Many platforms simply replicated the old model. Different technology. Same fee structure.

At $500,000 in annual volume, those "small" percentages add up fast:

Platform	Processing Fee	Annual Cost at $500K Volume
NOWPayments	0.5-1%	~$2,500-$5,000
CoinPayments	0.5-1%	~$5,000+
Larecoin	Gas fees only	Under $2,000

Read that again. Under $2,000 versus $5,000+.

That's real money back in your pocket. Every single year.

NOWPayments: The Flexible Middle Ground

NOWPayments has built a solid reputation. 300+ cryptocurrencies supported. Average processing time around 5 minutes. Decent.

Their fee structure? 0.5% for single-currency transactions. 1% when you need multi-currency conversions.

The platform offers customizable network fee options. Merchants can absorb fees or blend them for larger transactions. Nice flexibility.

But here's the catch. They still hold your funds during processing. Settlement delays happen. Your money sits in their custody while you wait.

For some businesses, that's fine. For others? It's a dealbreaker.

CoinPayments: The Coin Variety Champion

CoinPayments goes wide. Really wide. 2,000+ cryptocurrencies supported.

If your customers want to pay in some obscure altcoin from 2017, CoinPayments probably has it.

Fee-wise? Similar story to NOWPayments. 0.5% for BTC and ETH. 1% for tokens and stablecoins. Free deposits for your first $15,000 monthly, then 0.5% kicks in.

Processing speeds vary wildly. Sometimes minutes. Sometimes hours. No customizable network fee options either.

And like NOWPayments, they hold your funds during processing. Custodial model. Settlement delays. The usual.

Great for coin variety. Not great for cost efficiency or speed.

Larecoin: The Gas-Only Revolution

Here's where things get interesting.

Larecoin operates on a fundamentally different model. Gas fees only. Zero processing percentage.

No 0.5%. No 1%. Just the network transaction fees required to move crypto on-chain.

At scale, the savings compound dramatically. That $500,000 annual volume? Larecoin users report total costs under $2,000. That's 50%+ savings compared to competitors.

But fees are just the beginning.

Self-Custody: Your Money, Your Control

This is the big one.

NOWPayments and CoinPayments use custodial models. Your customers pay. The platform holds the funds. Then eventually, they release them to you.

Settlement delays. Counterparty risk. Someone else controlling your revenue.

Larecoin flips this entirely. Self-custody model. Funds go directly to your wallet. Immediately.

No waiting. No middleman holding your cash. No wondering if a platform outage will delay your access to funds you already earned.

In crypto, self-custody isn't just a feature. It's a philosophy. Your keys, your coins.

Larecoin brings that same principle to payment processing. Revolutionary? Maybe. Practical? Absolutely.

LUSD: The Native Stablecoin Advantage

Stablecoin payments solve volatility. Everyone knows this.

But integration matters.

NOWPayments and CoinPayments bolt on third-party stablecoin support. Works fine. But it's not optimized.

Larecoin has LUSD built natively into its ecosystem. From the ground up. Native integration means faster processing. Lower gas fees. Smoother transactions.

When your stablecoin lives inside the payment ecosystem rather than being imported from outside, everything runs tighter.

For merchants worried about crypto volatility eating into margins, LUSD offers price stability without the clunky third-party integrations.

NFT Receipts: Proof That Actually Means Something

Here's a feature you won't find elsewhere.

Larecoin issues NFT receipts.

Every transaction. Permanently recorded. Blockchain-verified proof of payment.

Tax season? Pull your NFT receipts. Dispute with a customer? Show the immutable record. Accounting audit? Everything's on-chain.

NOWPayments doesn't offer this. CoinPayments doesn't either.

In a world moving toward transparency and verifiable records, NFT receipts aren't a gimmick. They're the future of transaction documentation.

Volatility Protection: Sleep Better at Night

Crypto prices move. Fast.

You accept $1,000 in Bitcoin. By settlement time, it's worth $950. Or $1,050. Unpredictable.

Larecoin builds in volatility protection. Your transaction value locks in at the moment of payment. No surprises when funds hit your wallet.

Combined with LUSD integration, you get multiple layers of price stability protection.

For merchants processing significant volume, this feature alone justifies the switch.

US Compliance: The Regulatory Edge

Let's talk about something boring but critical. Compliance.

Operating a crypto payment platform in the US? Complicated. Highly regulated. Easy to get wrong.

Larecoin takes compliance seriously. MSB registration. State Money Transmitter License strategy in progress. The full regulatory framework required to operate legally and sustainably in American markets.

This matters more than most merchants realize.

Unregulated platforms carry risk. For them and for you. One enforcement action, one regulatory crackdown, and your payment processor could disappear overnight.

Larecoin's commitment to US compliance means stability. Longevity. A partner you can build your business on without worrying about regulatory surprises.

Visit Larecoin's official site to learn more about our compliance framework.

The Real Comparison: Beyond the Numbers

Let's summarize what actually matters:

NOWPayments

• ✅ 300+ cryptocurrencies

• ✅ Customizable fee options

• ❌ Custodial model

• ❌ 0.5-1% processing fees

• ❌ No NFT receipts

CoinPayments

• ✅ 2,000+ cryptocurrencies

• ✅ Free deposits under $15K/month

• ❌ Custodial model

• ❌ Variable processing times

• ❌ No volatility protection

Larecoin

• ✅ Gas-only fees

• ✅ Self-custody model

• ✅ Native LUSD integration

• ✅ NFT receipts

• ✅ Volatility protection

• ✅ US regulatory compliance

The choice depends on your priorities.

Want the widest coin selection possible? CoinPayments has you covered.

Want customizable fee structures with decent variety? NOWPayments works.

Want the lowest fees, true self-custody, and features built for the future? Larecoin wins.

Making the Switch

Every dollar saved on payment processing goes straight to your bottom line.

At $500,000 annual volume, switching from CoinPayments to Larecoin saves approximately $3,000+ per year. That compounds. Year after year.

Five years? $15,000+ saved. Ten years? $30,000+.

And that's before counting the benefits of self-custody, NFT receipts, and native stablecoin integration.

The Larecoin 10-Year Blog Marathon continues. We're building for the long term. Payment infrastructure that grows with your business. Compliance that keeps you protected. Innovation that keeps you ahead.

Ready to slash your interchange fees for real?

Get started with Larecoin and see the difference yourself.

Your margins will thank you.