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

Let's cut to the chase.

You're bleeding money on payment processing fees. Every swipe. Every tap. Every checkout.

Legacy payment rails are eating 2.5% to 3.5% of your revenue. That's not a fee, that's highway robbery.

Web3 payments promised to fix this. But did they?

We're breaking down three crypto payment processors: Larecoin, NOWPayments, and CoinPayments. Real talk. Real numbers. Real differences.

Which one actually slashes your fees in half? Let's find out.

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The Fee Problem Nobody Wants to Talk About

Traditional interchange fees are brutal.

Credit cards charge merchants anywhere from 1.5% to 3.5% per transaction. Debit cards aren't much better. Add in gateway fees, monthly fees, chargeback fees, it compounds fast.

A business doing $1 million annually? That's $25,000 to $35,000 gone. Just gone.

Crypto payments were supposed to be the escape hatch. Lower fees. Faster settlements. No middlemen.

But not all Web3 payment solutions deliver on that promise.

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NOWPayments: The Multi-Crypto Veteran

NOWPayments has been in the game for a while. Here's what they bring:

The Good:

• Supports 300+ cryptocurrencies

• Non-custodial model (funds go straight to your wallet)

• Processing time around 5 minutes

• 0.5% fee for major cryptos, 1% for tokens and stablecoins

• Customizable network fee options for high-volume merchants

The Not-So-Good:

• No receivables token ecosystem

• No NFT receipts for accounting

• No integrated stablecoin like LUSD

• Network fees still unpredictable

• Limited POS innovations

NOWPayments works. It's solid. But "solid" isn't the same as "revolutionary."

You're still dealing with volatile network fees. You're still piecing together your own accounting solutions. You're still missing out on ecosystem benefits.

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CoinPayments: The Old Guard

CoinPayments has been around since 2013. That's ancient in crypto years.

The Good:

• Established reputation

• Supports 40+ cryptocurrencies

• 0.5% processing fee for major coins

• Integrated shopping cart plugins

The Not-So-Good:

• Custodial model (they hold your funds)

• Processing can take hours, not minutes

• No network fee flexibility

• Limited innovation on the product side

• No self-custody smart wallet

Here's the thing about custodial solutions: not your keys, not your coins.

CoinPayments holds your crypto until you withdraw. That's a trust dependency most Web3-native merchants want to avoid.

Processing times can stretch from minutes to hours. In e-commerce, that's a lifetime.

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Larecoin: The Receivables Token Revolution

Now let's talk about Larecoin.

This isn't just another payment processor. It's an entire ecosystem built around one mission: slash interchange fees by 50% versus legacy systems.

How? Through a receivables token model that flips the script on traditional payments.

The Larecoin Ecosystem

LARE Token – The receivables token that powers the network. Gas-only transfers. Minimal fees.

LUSD – A stablecoin version for merchants who want crypto benefits without volatility stress.

LarePAY – The payment processing layer. QR-generated POS. Push-to-card settlements.

LareBlocks – The infrastructure backbone. Fast. Scalable. Built for commerce.

Larecoin Smart Wallet – Full self-custody. Your keys. Your coins. Your control.

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The Self-Custody Advantage

Let's talk about self-custody for a second.

With NOWPayments, you get non-custodial processing. That's good.

With CoinPayments, you're handing over control. That's a problem.

With Larecoin? You get the Larecoin Smart Wallet, purpose-built for merchants and consumers who want total control.

No intermediary holding your funds. No withdrawal delays. No trust dependencies.

Your revenue hits your wallet. Instantly. You decide what happens next.

Push to card? Done. Hold in LUSD? Your call. Swap to another asset? Easy.

Self-custody isn't a feature. It's a philosophy. And Larecoin bakes it into everything.

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NFT Receipts: Tax Season Just Got Easier

Here's where Larecoin gets genuinely innovative.

NFT receipts.

Every transaction generates an immutable, on-chain receipt as an NFT. What does that mean for you?

• Automatic transaction records

• Simplified tax reporting

• Transparent accounting trails

• No lost invoices

• No "where did that payment go?" moments

Your accountant will thank you. Your auditor will love you. Your sanity? Preserved.

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

Larecoin does. Because modern commerce deserves modern tools.

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QR-Generated POS: The In-Store Game Changer

Forget clunky hardware. Forget expensive terminals.

Larecoin's QR-generated POS system turns any smartphone or tablet into a payment terminal.

Generate a QR code. Customer scans. Transaction complete.

No monthly terminal fees. No hardware dependencies. No friction.

Perfect for:

• Pop-up shops

• Farmers markets

• Food trucks

• Retail stores

• Service businesses

It's Web3 payments without the Web3 headaches.

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The Fee Comparison That Actually Matters

Let's put numbers on the table.

Feature	Larecoin	NOWPayments	CoinPayments
Fee reduction vs legacy	Up to 50%	Varies	Varies
Processing fees	Minimal	0.5% - 1%	0.5% - 1%
Network fee flexibility	Yes	Customizable	No
Self-custody	Yes (Smart Wallet)	Yes	No (Custodial)
NFT receipts	Yes	No	No
QR POS system	Yes	Limited	Limited
Stablecoin integration	LUSD built-in	Third-party	Third-party
Processing speed	Fast	~5 minutes	Minutes to hours

The pattern is clear.

Larecoin isn't just competing on fees. It's competing on infrastructure. On innovation. On giving merchants tools that actually solve problems.

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Why 50% Fee Reduction Matters

Let's do the math.

Traditional processing on $500,000 annual revenue at 3%: $15,000 in fees.

Larecoin ecosystem with 50% reduction: $7,500 saved.

That's money back in your pocket. That's margin improvement. That's capital for growth.

Over five years? That's potentially $75,000+ in recovered revenue.

Stop treating payment processing as a cost of doing business. Start treating it as an optimization opportunity.

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Who Should Use What?

Choose NOWPayments if:

• You need 300+ crypto options

• Non-custodial is your priority

• You're okay with basic functionality

Choose CoinPayments if:

• Brand familiarity matters most

• You don't mind custodial models

• Speed isn't critical

Choose Larecoin if:

• You want maximum fee reduction

• Self-custody is non-negotiable

• NFT receipts and modern accounting appeal to you

• QR POS flexibility is valuable

• You want a complete ecosystem, not just a processor

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The Bottom Line

Web3 payments aren't all created equal.

NOWPayments and CoinPayments serve their purposes. They process crypto. They work.

But Larecoin? It's built differently.

A receivables token ecosystem. LUSD stability. Smart Wallet self-custody. NFT receipts. QR POS innovation.

And actual fee reduction that puts money back where it belongs: in your business.

Ready to stop overpaying for payments?

Explore Larecoin and see what 50% fee reduction actually looks like.

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Quick Recap

• Legacy systems charge 2.5% - 3.5% per transaction

• NOWPayments: Non-custodial, 300+ cryptos, standard fees

• CoinPayments: Custodial, 40+ cryptos, slower processing

• Larecoin: Receivables token ecosystem, 50% fee reduction vs legacy, NFT receipts, QR POS, self-custody Smart Wallet

The choice is yours. But the numbers don't lie.