Larecoin Vs CoinPayments: Which Web3 Global Payments Solution Actually Cuts Your Fees in Half?

Let's cut to the chase.

You're a merchant. You're processing crypto payments. And every percentage point in fees? That's money walking out the door.

CoinPayments has been around the block. Solid reputation. Decent service. But here's the thing: decent doesn't cut it anymore in 2026.

Larecoin entered the chat. And the conversation about Web3 payment processing just changed completely.

So which platform actually delivers on the promise of slashing your fees in half? Let's break it down.

The Fee Structure Showdown

Numbers don't lie. Let's look at what you're actually paying.

CoinPayments charges 0.5-1% per transaction.

Sounds small, right? Run the math on $500,000 in annual volume. That's $2,500 to $5,000 gone. Every. Single. Year.

Now here's where it gets interesting.

Larecoin operates on a gas-only model.

No percentage cuts. Zero. You pay network fees: that's it. Same $500,000 annual volume? Approximately $2,000 in total costs.

That's roughly 60% savings compared to CoinPayments.

But wait. Compare this to traditional card processors charging 2.5-3.5%? You're looking at 50%+ savings minimum. For high-volume merchants, we're talking tens of thousands back in your pocket annually.

Why Percentage-Based Fees Are Outdated

Here's the dirty secret of crypto payment processing.

Most platforms just copied the traditional payment model. Take a cut of every transaction. Simple. Profitable. For them.

But think about it. Why should processing a $10,000 transaction cost you $50-100 when the actual network cost is the same as a $100 transaction?

It shouldn't. Full stop.

Larecoin's gas-only approach means your costs scale with network activity: not your success. The bigger you grow, the more you save proportionally.

That's how Web3 payments should work.

Self-Custody: The Feature You Didn't Know You Needed

Here's where things get real.

CoinPayments is custodial.

Your funds? They sit in CoinPayments' wallets first. Then they release them to you. Processing times? Minutes to hours. Sometimes longer.

That's not your money until it's in YOUR wallet.

Larecoin is self-custody from the start.

Funds go directly to your wallet. No intermediary holding periods. No third party controlling your revenue. Your keys. Your coins. Your business.

In 2026, self-custody isn't a luxury. It's a necessity.

We've all seen what happens when centralized platforms fail. Merchants left scrambling to access their own funds. Settlement delays during critical business periods. The risks are real.

Larecoin eliminates that middleman entirely. Transaction happens. Funds arrive. Done.

NFT Receipts: Beyond Simple Payment Processing

Traditional payment receipts? PDFs. Emails. Maybe a dashboard entry.

Boring. Forgettable. And often lost in the digital noise.

Larecoin's NFT receipt system changes the game.

Every transaction generates a verifiable, blockchain-based receipt. It's:

• Immutable : Can't be altered or disputed

• Permanent : Stored on-chain forever

• Verifiable : Anyone can confirm authenticity

• Collectible : Customers actually keep them

For merchants, this means bulletproof transaction records. No more "I never received that payment" disputes. No more he-said-she-said situations.

For customers, it's a unique digital artifact from every purchase. Some merchants are even using branded NFT receipts as loyalty markers and exclusive access passes.

CoinPayments? Standard receipts. Nothing special.

Innovation matters. Larecoin delivers it.

LUSD Stablecoin: Stability Meets Speed

Crypto volatility keeps some merchants up at night.

Accept Bitcoin today. Worth 5% less tomorrow. That's a real business problem.

Larecoin's LUSD stablecoin integration solves this elegantly.

Customers pay in their preferred crypto. You receive LUSD: pegged, stable, predictable. No more checking prices every five minutes. No more end-of-day surprises.

The conversion happens seamlessly within the Larecoin ecosystem. Your accounting stays clean. Your revenue stays stable.

And because it's built into the platform, there's no additional conversion fees. No third-party swap costs. Just straightforward stability.

CoinPayments offers stablecoin options, sure. But as separate tokens you need to manage manually. Larecoin's native integration just works better.

Real Merchants. Real Savings.

Let's paint a picture.

Scenario: E-commerce store processing $100,000 monthly

With CoinPayments (0.5% fee):

• Monthly fees: $500

• Annual fees: $6,000

With Larecoin (gas-only):

• Monthly fees: ~$400 (network dependent)

• Annual fees: ~$4,800

Annual savings: $1,200+

Now scale that up.

Scenario: High-volume merchant processing $500,000 monthly

With CoinPayments:

• Annual fees: $30,000-$60,000

With Larecoin:

• Annual fees: ~$24,000

Annual savings: $6,000-$36,000

That's not pocket change. That's hiring budget. Marketing budget. Growth capital.

And this doesn't even factor in the hidden costs of custodial delays, failed settlements, or currency conversion overhead that CoinPayments merchants regularly face.

The Migration Question

Switching payment processors sounds painful.

It doesn't have to be.

Larecoin's integration is designed for modern merchants. Clean APIs. Straightforward documentation. Support that actually responds.

Most merchants are fully migrated within a week. Many in days.

The temporary inconvenience? Worth every penny saved.

What CoinPayments Gets Right

Fair's fair. CoinPayments isn't terrible.

They've been around since 2013. They support 2,000+ cryptocurrencies. Their platform is stable and familiar to many.

But familiar doesn't mean optimal.

CoinPayments built for the 2010s crypto landscape. Larecoin built for 2026 and beyond.

The architecture matters. The fee structure matters. Self-custody matters.

The Verdict

This comparison isn't close.

CoinPayments:

• Percentage-based fees eating your margins

• Custodial model with inherent risks

• Standard receipts

• Legacy architecture

Larecoin:

• Gas-only model preserving your revenue

• Full self-custody from transaction one

• NFT receipts with real utility

• LUSD stablecoin integration

• Built for the current Web3 landscape

For merchants serious about financial sovereignty and growth, the choice is clear.

Larecoin doesn't just compete with CoinPayments. It represents what Web3 payment processing should have been all along.

Ready to Cut Your Fees?

Your current payment processor isn't doing you any favors.

Every transaction, they're taking a cut. Every month, that adds up. Every year, you're leaving serious money on the table.

Larecoin changes that equation entirely.

Gas-only fees. Self-custody. NFT receipts. LUSD stability.

This is the payment infrastructure merchants deserve.

Ready to see the difference? Head to larecoin.com and run the numbers for yourself.

Your margins will thank you.