Larecoin Vs NOWPayments Vs CoinPayments: Which Web3 Global Payments Solution Actually Delivers?

Web3 payments are evolving fast.

Merchants are tired of bleeding money to payment processors. Traditional interchange fees hover between 2.5% and 3.5%. That's thousands of dollars evaporating annually.

The crypto payment space promises relief. But not all solutions deliver equally.

Today, we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. By the end, you'll know which one actually puts money back in your pocket.

Let's get into it.

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The Merchant Fee Problem Nobody Talks About

Here's the brutal truth.

A merchant processing $500,000 annually through traditional payment rails? They're paying roughly $15,000 in fees. Every. Single. Year.

That's money going nowhere productive. No product development. No marketing. No growth.

Crypto payment solutions entered the chat promising lower fees. And they delivered: partially.

NOWPayments and CoinPayments charge between 0.5% and 1% per transaction. Better than Visa? Absolutely. But still substantial.

For that same $500,000 volume, you're looking at $3,750 to $5,000 annually.

Larecoin operates differently.

Gas-only transfers. No percentage-based fees eating into your revenue. Estimated annual costs? Under $2,000 for the same transaction volume.

That's not incremental improvement. That's a paradigm shift.

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The Head-to-Head Breakdown

Let's compare these platforms across what actually matters.

Processing Fees

Platform	Fee Structure	Annual Cost ($500K Volume)
NOWPayments	0.5-1% per transaction	$3,750 - $5,000
CoinPayments	0.5-1% per transaction	$3,750 - $5,000
Larecoin	Gas-only transfers	Under $2,000

Winner: Larecoin. No contest.

Transaction Speed

• NOWPayments: Approximately 5 minutes

• CoinPayments: Minutes to hours (varies wildly)

• Larecoin: Near-instant settlement

Speed matters. Customers don't wait. Neither should your revenue.

Cryptocurrency Support

• NOWPayments: 300+ cryptocurrencies

• CoinPayments: 40+ cryptocurrencies

• Larecoin: Comprehensive coverage with native LUSD stablecoin

NOWPayments wins on raw numbers. But quantity isn't everything. What matters is having the right currencies: including a purpose-built stablecoin for commerce.

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Why Self-Custody Changes Everything

Here's where the conversation gets serious.

Most crypto payment processors operate like traditional banks. They hold your funds. They control the release timing. They dictate terms.

CoinPayments runs a custodial model. Your revenue sits in their wallets until they decide to release it. That's not your money anymore: it's their leverage.

NOWPayments offers non-custodial options. Progress. But even they can hold merchant funds during processing windows. Delays happen. Disputes arise.

Larecoin takes a fundamentally different approach.

Full self-custody. Period.

Funds transfer directly to your wallet. No intermediary holding periods. No corporate entity sitting between you and your revenue.

This isn't just convenience. It's financial sovereignty.

Your keys. Your crypto. Your business.

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The LUSD Stablecoin Advantage

Volatility kills commerce.

Accept Bitcoin today, watch it drop 15% tomorrow. That's not a payment: that's a gamble.

Stablecoins solve this. But most payment processors rely on third-party integrations. USDT. USDC. External dependencies.

Larecoin built LUSD directly into the ecosystem.

Why does this matter?

• Native integration: No external bridging required

• Seamless conversion: Accept crypto, receive stable value

• Ecosystem synergy: LUSD works across all Larecoin applications

• Reduced friction: One ecosystem, one stablecoin, zero confusion

NOWPayments and CoinPayments force you to navigate third-party stablecoin integrations. Extra steps. Extra complexity. Extra points of failure.

Larecoin simplifies the stack.

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NFT Receipts: The Feature You Didn't Know You Needed

This is where Larecoin genuinely innovates.

Traditional receipts? Paper that fades. Email that gets buried. Data that sits useless.

NFT receipts transform transaction records into assets.

Every purchase generates an immutable, verifiable receipt on-chain. But it doesn't stop there.

Use Cases for NFT Receipts

• Warranty verification: Prove purchase date and authenticity instantly

• Loyalty programs: Receipts become collectible, tradeable assets

• Tax documentation: Immutable records for compliance

• Customer engagement: Gamify the purchase experience

• Resale verification: Prove ownership history for secondary markets

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

Only Larecoin delivers NFT receipts as a native feature.

This isn't a gimmick. It's infrastructure for the next generation of commerce.

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Setup Complexity: Getting Started Matters

Developer time costs money. Complex integrations delay launches.

CoinPayments scores well here. Low setup complexity. But limited non-custodial options reduce its appeal.

NOWPayments requires more technical lift. Higher setup complexity means longer implementation timelines.

Larecoin prioritizes merchant accessibility. Low setup complexity paired with full self-custody and advanced features.

You shouldn't need a blockchain development team to accept crypto payments. Larecoin gets that.

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The Real Numbers: Merchant Savings Breakdown

Let's run the math on actual savings.

Scenario: $500,000 Annual Transaction Volume

Traditional Payment Processor (3% average)

• Annual fees: $15,000

• Settlement time: 2-3 business days

• Chargeback exposure: High

NOWPayments (0.75% average)

• Annual fees: $3,750

• Settlement time: ~5 minutes

• Custody: Partial control

CoinPayments (0.75% average)

• Annual fees: $3,750

• Settlement time: Variable

• Custody: Platform-controlled

Larecoin (Gas-only)

• Annual fees: Under $2,000

• Settlement time: Near-instant

• Custody: Full self-custody

Annual savings vs. traditional: Up to $13,000+

Annual savings vs. competitors: $1,750+

Over five years? That's nearly $9,000 in additional savings compared to NOWPayments or CoinPayments.

Scale that to $1M in annual volume. $5M. The gap widens exponentially.

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Platform Longevity and Trust

Fair consideration: NOWPayments launched in 2019. CoinPayments has been around even longer. Track records matter.

Larecoin is newer to the space. That's a fact.

But innovation doesn't come from incumbents comfortable with their market position. It comes from challengers building better infrastructure.

The question isn't who's been around longest. It's who's building for where commerce is going.

Self-custody. Native stablecoins. NFT receipts. Gas-only transfers.

That's the future. Larecoin is building it now.

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Making the Switch: What Merchants Should Consider

Evaluating payment processors? Here's your checklist:

✅ Fee structure: Percentage-based or gas-only? ✅ Custody model: Who controls your funds? ✅ Settlement speed: How fast do you access revenue? ✅ Stablecoin integration: Native or third-party? ✅ Unique features: NFT receipts? Advanced reporting? ✅ Setup complexity: How quickly can you go live?

Run every platform through these criteria. The answers speak for themselves.

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The Verdict

NOWPayments and CoinPayments improved on traditional payment processing. Credit where it's due.

But incremental improvement isn't enough anymore.

Larecoin delivers:

• 50%+ reduction in interchange fees compared to competitors

• Full self-custody with no intermediary holding periods

• Native LUSD stablecoin for volatility-free commerce

• NFT receipts for next-generation transaction records

• Near-instant settlement directly to your wallet

The Web3 payments space is competitive. But when you examine the fundamentals: fees, custody, features, and innovation: one platform consistently outperforms.

Ready to stop leaving money on the table?

Explore Larecoin's merchant solutions and see the difference for yourself.

Your revenue. Your custody. Your future.