Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto Payment Gateway Won't Drain Your Profits?

Let's cut to the chase.

You're running a business. You want to accept crypto. And you're watching payment processors nibble away at your hard-earned revenue like hungry little piranhas.

Sound familiar?

The crypto payment gateway space is crowded. NOWPayments. CoinPayments. A dozen others promising the moon. But here's the thing, most of them are playing the same game legacy payment rails have played for decades.

Take a cut. Add fees. Watch merchants bleed.

Today, we're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts. Let's see which one actually keeps your profits where they belong, in your pocket.

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The Hidden Cost of "Low Fees"

Here's a number that should make every merchant pause: traditional payment processors charge 2-3% interchange fees on every transaction.

For a business processing $100,000 monthly? That's $2,000-$3,000 vanishing into thin air.

Crypto gateways promised to fix this. But have they?

Let's look at the numbers.

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NOWPayments: The 0.5% That Grows

Base Transaction Fee: 0.5%

Sounds great, right? Dig deeper.

• With currency conversion: 1%

• Fiat withdrawal: 1.5-2.3%

• Cryptocurrencies supported: 300+

NOWPayments markets aggressively to small businesses. And sure, 0.5% is better than legacy systems. But the moment you need to convert crypto to another currency or withdraw to fiat? Those fees stack.

Running a coffee shop accepting Bitcoin? Cool. Want that Bitcoin converted to USDC to avoid volatility? That'll be 1%. Need actual dollars in your bank account? Tack on another 1.5-2.3%.

Suddenly, your "0.5% fee" looks a lot more like 2.5-3.3%.

The Catch: NOWPayments doesn't offer true self-custody. Your funds flow through their system. Their rules. Their timeline.

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CoinPayments: The OG With Limitations

Base Transaction Fee: 0.5%

CoinPayments has been around forever in crypto years. They've processed billions. They support a wide variety of coins.

Their pitch? No hidden fees. Automatic coin conversion via ChangeNOW.

Here's what they don't emphasize:

• Custody model: They hold your crypto until you withdraw

• Conversion fees: Handled through third parties (additional costs apply)

• Settlement times: Not instant

For merchants who just want a simple "accept crypto, get paid" solution, CoinPayments works. But it's essentially a custodial service dressed as a payment processor.

Your crypto isn't really your crypto until you pull it out.

The Catch: No advanced features. No NFT receipts. No smart wallet integration. It's functional but feels stuck in 2019.

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Larecoin: The Ecosystem Play

Now let's talk about Larecoin.

This isn't just another payment gateway. It's a full-blown ecosystem built around one mission: slash interchange fees by 50% compared to legacy systems.

Here's the stack:

• LARE: The receivables token powering the network

• LUSD: Stablecoin version for volatility-free transactions

• LarePAY: Merchant payment processing

• LareBlocks: The underlying infrastructure

But features don't pay bills. Savings do.

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The Fee Breakdown: Real Numbers

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	Significantly lower
Conversion Fee	0.5% additional	Third-party	Built-in LUSD stability
Fiat Withdrawal	1.5-2.3%	Varies	Push-to-card option
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
QR POS	Limited	Limited	Native

The difference becomes obvious when you look at total cost of ownership. Not just the headline fee.

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Self-Custody: Why It Actually Matters

Let's talk about the elephant in the room: who holds your money?

With NOWPayments and CoinPayments, the answer is simple. They do.

Your funds sit in their wallets until you request withdrawal. That means:

• Counterparty risk: If they get hacked, your funds are at risk

• Withdrawal delays: You're on their schedule

• Account freezes: Terms of service violations can lock you out

The Larecoin Smart Wallet changes this equation entirely.

True self-custody. Your keys. Your crypto. Always.

Funds from customer payments hit your wallet directly. No intermediary holding your revenue hostage. No waiting for "processing" that takes 3-5 business days.

For merchants who've watched traditional banks freeze accounts over "suspicious activity" (read: legal crypto transactions), self-custody isn't a luxury. It's survival.

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NFT Receipts: Tax Season Just Got Easier

Here's an innovation that sounds gimmicky until you actually use it: NFT receipts.

Every transaction processed through the Larecoin ecosystem can generate an immutable, on-chain receipt.

Why does this matter?

Tax documentation. Every accountant's nightmare is reconstructing crypto transaction histories from fragmented exchange records and blockchain explorers. NFT receipts create a permanent, verifiable record that can't be altered or lost.

Dispute resolution. Customer claims they never received service? Pull up the NFT receipt. Timestamped. Immutable. Done.

Audit trails. For businesses operating in regulated industries, this isn't optional. It's essential.

Neither NOWPayments nor CoinPayments offers anything comparable. They're still operating on Web2 principles with Web3 technology.

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QR-Generated POS: The Brick-and-Mortar Solution

Online payments are one thing. But what about physical retail?

Larecoin's QR-generated POS system lets any smartphone become a payment terminal. No expensive hardware. No complex integrations. No monthly terminal fees.

Generate a QR code. Customer scans. Payment complete.

For small businesses, pop-up shops, food trucks, and market vendors: this removes the barrier to entry completely. Accept crypto payments with zero upfront investment.

CoinPayments offers basic QR functionality. NOWPayments has similar features. But neither integrates with a broader ecosystem that includes smart wallets, stablecoins, and NFT documentation.

Larecoin isn't selling a feature. It's offering a complete infrastructure.

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The Verdict: Which Gateway Wins?

Let's be honest.

If you just need basic crypto acceptance with minimal setup, NOWPayments and CoinPayments both work. They've been around. They're stable. They do the job.

But "doing the job" isn't the same as "maximizing profit."

Choose NOWPayments if: You need 300+ coin support and don't mind conversion fees

Choose CoinPayments if: You want an established player with straightforward pricing

Choose Larecoin if: You want self-custody, lower total fees, NFT receipts, and an ecosystem designed for merchants: not payment processors

The math is simple. Every percentage point saved goes directly to your bottom line. Over a year of transactions, that adds up to thousands: sometimes tens of thousands: in retained revenue.

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Ready to Stop Bleeding Fees?

The crypto payment space is evolving. Fast.

Legacy systems took 2-3%. First-gen crypto gateways took 0.5-1%. The next generation? Even lower: with better features, true ownership, and tools built for how business actually works.

Larecoin isn't just competing with NOWPayments and CoinPayments. It's building what comes next.

Explore the ecosystem and see why merchants are making the switch.

Your profits will thank you.