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

Let's cut straight to it.

You're bleeding money on payment processing fees. Every transaction chips away at your margins. Traditional card processors? They're taking 2.5-3.5% of every sale. That's brutal.

Web3 payment solutions promise relief. But here's the thing, not all crypto payment gateways are built the same. Some still charge percentage-based fees. Others hold your funds hostage. And a few? They actually deliver on the promise of near-zero costs.

Today, we're putting three major players under the microscope: Larecoin, NOWPayments, and CoinPayments. Which one actually cuts your fees in half? Let's find out.

The Fee Breakdown: Numbers Don't Lie

Here's what you're really paying across platforms. We ran the numbers on $500,000 in annual revenue:

Platform	Fee Structure	Annual Cost
Traditional Card Processing	2.5-3.5%	$12,500-$17,500
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only	Under $2,000

Read that last line again.

Under $2,000. On half a million in transactions.

NOWPayments and CoinPayments both hover around $3,750 annually. That's a solid improvement over traditional processors. But Larecoin? It's 50% cheaper than the competition.

How? The gas-only model.

Gas-Only: The Fee Structure That Changes Everything

Most crypto payment processors still charge percentage-based fees. They're essentially mimicking the traditional finance model, just with smaller numbers.

Larecoin flipped the script.

You pay network gas fees. That's it. No percentage cuts. No hidden charges. No "convenience fees" buried in the fine print.

On Solana, gas fees are measured in fractions of a cent. Process a $10,000 transaction? Pay pennies. Process a $100,000 transaction? Still pennies.

The math scales in your favor. Every. Single. Time.

Self-Custody: Your Money, Your Wallet

Here's where things get interesting.

CoinPayments operates a custodial model. They hold your funds before releasing them. You're trusting a third party with your revenue.

NOWPayments offers non-custodial options, which is a step in the right direction. But their system still involves intermediary processes.

Larecoin runs full self-custody.

Funds transfer directly to your wallet. No middleman holding your money. No waiting for "processing." No counterparty risk.

Your customer pays. You receive. Instantly.

This isn't just about control, it's about security. When you hold your own keys, you eliminate entire categories of risk. Exchange hacks? Doesn't affect you. Platform insolvency? Not your problem.

LUSD: The Native Stablecoin Advantage

Volatility kills crypto payments for merchants. You accept $100 in Bitcoin. By the time you convert it, it's worth $87. Or $112. Who knows?

Most platforms address this with third-party stablecoin integrations. It works, but it adds complexity and potential points of failure.

Larecoin built LUSD directly into the ecosystem.

Native stablecoin. Pegged to the dollar. No external dependencies.

Here's what that means for your business:

• Price stability at the moment of transaction

• Simplified accounting without conversion headaches

• Instant settlement in a currency you can actually budget with

NOWPayments supports 300+ cryptocurrencies. CoinPayments handles 40+. Sounds impressive until you realize most merchants just need one thing: stable value they can rely on.

LUSD delivers exactly that. Built-in. No extra steps.

NFT Receipts: Proof That Actually Means Something

Standard transaction records work. They're fine. They get the job done.

But "fine" isn't innovative.

Larecoin generates NFT receipts for every transaction. Immutable proof of payment on the blockchain. Forever.

Why does this matter?

• Dispute resolution becomes trivial when proof is cryptographically verified

• Audit trails are permanent and tamper-proof

• Customer verification happens instantly without manual lookup

Neither NOWPayments nor CoinPayments offers anything comparable. They're stuck in the traditional receipt paradigm.

NFT receipts aren't a gimmick. They're the future of commercial record-keeping.

Speed: Because Time Is Money

Transaction speed varies wildly across platforms.

CoinPayments processes transactions in "minutes to hours." That's a pretty wide range when you're running a business.

NOWPayments averages around 5 minutes. Better. Still not great.

Larecoin on Solana? Near-instant.

Sub-second finality. Customer pays, you see it immediately. No awkward waiting at the checkout counter. No "your payment is processing" emails.

Speed isn't just convenience, it's conversion. Every second of friction costs you sales.

US Compliance: The Elephant in the Room

Let's talk about something most Web3 companies avoid.

Regulatory compliance.

Running a payment platform in the United States means navigating a minefield of federal and state regulations. Many crypto payment processors operate in gray areas. Some actively avoid US merchants altogether.

Larecoin took the hard road.

Money Services Business (MSB) registration. State-by-state Money Transmitter License (MTL) strategy. The whole compliance framework.

This matters because:

• You're protected as a merchant using a compliant platform

• Your customers' funds are handled according to US financial regulations

• Longevity is built into the business model, no regulatory surprises

NOWPayments has operated since 2019 with a solid reputation. CoinPayments has been around even longer. But rigorous US compliance? That's Larecoin's lane.

If you're a US-based business, this isn't optional. It's essential.

Feature-by-Feature Comparison

Let's break down the full picture:

Feature	NOWPayments	CoinPayments	Larecoin
Cryptocurrencies	300+	40+	Comprehensive
Native Stablecoin	No	No	Yes (LUSD)
Processing Time	~5 min	Minutes-hours	Near-instant
Transaction Records	Standard	Standard	NFT receipts
Custody Model	Mixed	Custodial	Full self-custody
Fee Model	Percentage	Percentage	Gas-only
US Compliance	Limited	Limited	MSB + MTL strategy

The pattern is clear.

NOWPayments and CoinPayments are solid options. They've proven themselves in the market. They work.

But Larecoin wasn't built to match the competition. It was built to surpass it.

The Bottom Line

Which Web3 payment solution actually cuts your fees in half?

Larecoin.

The gas-only model delivers real savings: not 20% less, not 30% less, but 50% less than competing crypto payment platforms.

Add full self-custody. Native stablecoin integration. NFT receipts for immutable proof. Near-instant Solana transactions. Rigorous US compliance.

The question isn't whether Larecoin is better. The question is why you'd choose anything else.

Ready to stop bleeding fees?

Explore Larecoin and see what your business looks like with real savings.

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This post is part of the Larecoin 10-year Blog Marathon. Follow along as we break down everything you need to know about the future of Web3 payments.