Larecoin Vs NOWPayments Vs CoinPayments: Which Web3 Payment Solution Actually Cuts Your Fees?

Let's cut to the chase.

You're bleeding money on payment processing fees. Every transaction chips away at your margins. And if you're running a business accepting crypto, you've probably wondered: Is there actually a better way?

Spoiler alert: There is.

Today, we're putting three major Web3 payment solutions head-to-head. NOWPayments. CoinPayments. And Larecoin. We'll break down the fees, the features, and the fine print so you can make a decision that actually impacts your bottom line.

The Hidden Cost of "Low" Fees

Here's the dirty secret nobody talks about.

A 0.5% fee sounds small. Until you do the math on $500,000 in annual volume. That's $2,500 gone. Add conversion fees, network fees, and payout delays? You're looking at a significantly larger hit.

Traditional processors? Even worse. We're talking 2.9% plus per-transaction fees. For that same $500K, you'd lose around $15,000.

The Web3 payment space promised to fix this. But did it?

NOWPayments: The Flexible Middle Ground

Operational since 2019.

NOWPayments has carved out a solid reputation. They support 300+ cryptocurrencies. Processing times average around 5 minutes. And they offer a non-custodial option for merchants who want more control.

The fee structure:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• 0% payout fees

The standout feature? Customizable network fee options. You can absorb gas costs entirely, pass them to customers, or split the difference. Flexibility matters.

The catch? Stablecoin support relies on third-party integrations. That adds friction. And while 5-minute processing is decent, it's not instant.

For small to mid-sized merchants dipping their toes into crypto payments, NOWPayments is a reasonable starting point.

CoinPayments: The OG With Limitations

Established in 2013. CoinPayments is the veteran in this space.

They support a massive 2,000+ cryptocurrencies. If you need obscure altcoin support, they've got you covered.

The fee structure:

• 0.5% for BTC/ETH transactions

• 1% for tokens and stablecoins

• 0% payout fees

Sounds comparable to NOWPayments, right? Here's where it gets tricky.

Processing speed is inconsistent. Some transactions settle in minutes. Others take hours. For businesses running high-volume operations, that unpredictability creates headaches.

No customizable network fees. You're stuck with whatever default gas structure they've set. Less control means less optimization.

Custodial model only. Your funds sit in their wallets until you withdraw. That's a trust dependency some merchants aren't comfortable with, especially post-FTX.

CoinPayments works. But it's showing its age.

Larecoin: The Gas-Only Revolution

Now let's talk about what's different.

Larecoin operates on what we call a gas-only transfer model. No percentage-based processing fees eating into every transaction. You pay network gas costs. That's it.

What does that look like in real numbers?

A business processing $500,000 annually would pay:

• Under $2,000 with Larecoin (gas fees only)

• $5,000+ with NOWPayments or CoinPayments

• $15,000+ with traditional processors

That's not a minor difference. That's a 60%+ reduction compared to other Web3 solutions. And compared to legacy processors? We're talking 85%+ savings.

Built on Solana, Larecoin delivers near-instant settlement. We're talking sub-second transaction finality. Not 5 minutes. Not hours. Seconds.

Self-Custody: Why It Actually Matters

Here's a comparison that doesn't get enough attention.

Feature	NOWPayments	CoinPayments	Larecoin
Custody Model	Non-custodial option	Custodial only	Full self-custody
Processing Speed	~5 minutes	Minutes to hours	Near-instant
Native Stablecoin	Third-party	Third-party	LUSD (native)

Self-custody means your funds never sit in someone else's wallet.

When you accept payments through Larecoin, tokens transfer directly to your wallet. No intermediary holding your money. No withdrawal delays. No counterparty risk.

After watching centralized platforms collapse and freeze withdrawals, self-custody isn't just a preference anymore. It's protection.

NOWPayments offers a non-custodial option. That's good. CoinPayments doesn't. Larecoin is built from the ground up around self-custody principles.

LUSD: The Stablecoin Advantage

Volatility is the elephant in the crypto payments room.

You accept $100 in ETH. By the time you convert, it's worth $94. Or $107. Either way, your accounting becomes a nightmare.

LUSD solves this.

Larecoin's native stablecoin integration means merchants can accept payments in LUSD directly. No third-party conversions. No price slippage during processing. Stable value from the moment the transaction hits your wallet.

NOWPayments and CoinPayments offer stablecoin support through external integrations. That works, but it adds:

• Extra conversion steps

• Additional fees

• Processing delays

Native integration eliminates all of that.

NFT Receipts: Beyond Traditional Record-Keeping

This is where Larecoin gets interesting.

Every transaction can generate an NFT receipt. On-chain, immutable, and permanently verifiable.

Why does this matter?

For businesses:

• Automated audit trails

• Tamper-proof transaction records

• Simplified compliance documentation

For customers:

• Proof of purchase that can't be disputed

• Collectible receipts for significant purchases

• Enhanced transparency

Traditional payment processors give you PDFs. Maybe a database entry. Larecoin gives you cryptographic proof permanently recorded on the blockchain.

Try disputing that.

US Compliance: The Regulatory Reality

Let's address the elephant in the room.

Many Web3 payment solutions operate in regulatory gray zones. That works until it doesn't.

Larecoin's approach is different.

We're pursuing rigorous US compliance through a dual strategy:

• MSB (Money Services Business) registration at the federal level

• State-by-state MTL (Money Transmitter License) acquisition

This isn't the fast path. It's the right path.

Operating with proper licensing means:

• Banks will work with you

• Enterprise clients can actually use your services

• You're not one regulatory action away from shutdown

For merchants, working with a compliant provider reduces your own regulatory exposure. That matters more every day as scrutiny on crypto payments intensifies.

The Comparison Table You Actually Need

Metric	NOWPayments	CoinPayments	Larecoin
Annual Cost ($500K volume)	~$5,000	~$5,000	<$2,000
Settlement Speed	~5 minutes	Variable	Near-instant
Self-Custody	Optional	No	Yes (native)
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
US Compliance Strategy	Limited	Limited	MSB + MTL

Who Should Use What?

NOWPayments works for merchants who want flexibility and don't mind third-party stablecoin integrations. Solid choice for testing crypto payments.

CoinPayments makes sense if you need maximum cryptocurrency support and can tolerate variable processing times. The veteran option for altcoin diversity.

Larecoin is built for merchants serious about fee optimization, self-custody, and future-proof compliance. If you're processing significant volume and want to keep more of every transaction, this is where you should be looking.

The Bottom Line

Fees compound. Over a year of business, the difference between 1% and gas-only isn't negligible: it's substantial.

Self-custody isn't paranoia. It's prudent risk management in an industry where platforms fail regularly.

And compliance isn't optional if you're building something meant to last.

Larecoin isn't just another payment processor with a crypto twist. It's a fundamentally different approach to Web3 commerce.

Ready to see what gas-only fees look like for your business?

Check out larecoin.com and run the numbers yourself.