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

Your payment processor is eating your profits.

Every transaction. Every settlement. Every withdrawal.

Those "competitive" 0.5-1% fees compound fast. Process $1 million annually? You're handing over $7,500-$10,000. That's not a rounding error: that's real money walking out the door.

Let's break down exactly where your money goes with each platform. And why Larecoin's approach changes the game.

The Fee Structure Nobody Talks About

NOWPayments charges:

• 0.5% for same-currency transactions

• 1% for multi-currency conversions

• Blockchain gas fees (variable)

• Withdrawal fees

• Conversion charges

CoinPayments hits you with:

• 0.5-1% per transaction

• Blockchain network costs

• Withdrawal fees

• Settlement charges

Larecoin's model:

• Zero transaction fees

• Only blockchain gas ($0.001-$0.02 on Solana)

• Zero withdrawal fees

• Zero conversion markup

!

The difference? Percentage-based pricing versus gas-only costs.

Traditional processors take a cut of every dollar you process. Larecoin doesn't. You pay exactly what the blockchain charges to move funds. Nothing more.

Real Money at Real Volumes

Here's where the math gets brutal for traditional processors.

$100K annual volume:

• NOWPayments/CoinPayments: $750-$1,000

• Larecoin: $300-$400

• Savings: $450-$600 (50%+)

$500K annual volume:

• NOWPayments/CoinPayments: $3,750-$5,000

• Larecoin: $1,500-$2,000

• Savings: $2,250-$3,000 (60%)

$1M annual volume:

• NOWPayments/CoinPayments: $7,500-$10,000

• Larecoin: $3,000-$4,000

• Savings: $4,500-$6,000 (60%+)

$5M annual volume:

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000

• Savings: $20,000+ (80%)

Scale up to three years at $1M annual volume?

Traditional processors cost you $28,000-$31,000. Larecoin? Roughly $7,000.

That's a $21,000-$24,000 difference.

Enough to hire talent. Invest in growth. Actually build your business instead of feeding payment processors.

NFT Receipts Change Everything

This isn't just about saving money.

Larecoin issues NFT transaction receipts. Every payment creates an immutable, on-chain record that lives in your wallet.

Why this matters:

For accounting: Perfect audit trail without manual reconciliation.

For customers: Permanent proof of purchase they actually control.

For disputes: Blockchain-verified evidence that can't be altered or lost.

For loyalty: Transform receipts into collectibles or rewards.

Traditional processors give you CSV exports and dashboard dashboards. Larecoin gives you permanent, customer-owned records that double as marketing assets.

Build loyalty programs around NFT receipts. Offer exclusive perks to collectors. Create verifiable purchase history that follows customers across platforms.

LUSD: Stability Without Processing Fees

Stablecoins solve crypto's volatility problem. But most processors charge conversion fees to accept them.

Larecoin integrates LUSD: a decentralized, algorithmic stablecoin: without processing markups.

You get:

• Price stability (pegged 1:1 to USD)

• Zero conversion fees

• Self-custody (funds never leave your wallet)

• Instant settlement

Accept LUSD payments and the amount you receive is exactly the amount sent. No percentage taken. No conversion spread. No custody risk.

!

Compare that to NOWPayments and CoinPayments charging 1% for stablecoin conversions. On a $10,000 payment, that's $100 per transaction.

Larecoin charges zero.

Self-Custody vs Custodial Control

Here's the philosophical divide.

NOWPayments and CoinPayments hold your funds. They custody assets until you withdraw. You trust them with security. You depend on their infrastructure. You're subject to their terms.

Larecoin never touches your crypto. Payments go directly to your wallet. You control private keys. You own assets immediately. No intermediary custody.

Self-custody means:

• No platform risk

• No withdrawal delays

• No account freezes

• No custody liability

You're the bank. Payments settle in seconds. Funds are yours instantly.

The trade-off? You manage security. But for serious merchants, that's a feature: not a bug.

US Compliance Done Right

Larecoin operates as a registered Money Services Business (MSB) and pursues state Money Transmitter Licenses (MTL) where required.

This isn't window dressing.

Full compliance means:

• Legal operation across US jurisdictions

• Bank partnership capabilities

• Institutional investor confidence

• Long-term regulatory stability

Most crypto payment solutions operate in gray areas or offshore jurisdictions. Larecoin builds for the regulated future.

You're not betting on regulatory arbitrage. You're building on compliant infrastructure that survives scrutiny.

What You Sacrifice for Lower Fees

Honesty time: Larecoin isn't the broadest solution.

NOWPayments supports 200+ tokens. CoinPayments handles 2,000+ cryptocurrencies. Larecoin focuses on essential tokens.

If you need to accept obscure altcoins, those platforms win.

But here's the reality: Most merchants don't need 2,000 options. They need Bitcoin, Ethereum, Solana, and major stablecoins.

Larecoin covers the payments that matter. Without the complexity of managing hundreds of random tokens.

Fewer options. Less accounting headache. Lower volatility risk.

Traditional processors also offer more established platforms. Longer track records. Broader e-commerce integrations.

Larecoin is newer. Built for Web3-native businesses ready to embrace self-custody and blockchain-first infrastructure.

Who Wins With Each Platform

Choose NOWPayments/CoinPayments if:

• You need maximum cryptocurrency variety

• You prefer custodial solutions

• You want established platform history

• You process under $100K annually

Choose Larecoin if:

• Fee savings matter at scale

• Self-custody aligns with your philosophy

• NFT receipts add value to your business

• You operate in the US and want full compliance

• You process $100K+ annually

The math changes dramatically at volume. Under $100K, traditional processors are competitive. Above it? Larecoin saves serious money.

The Real Question

Do you want to pay processors forever? Or redirect that money toward growth?

Traditional processors charge percentage fees because they can. That's the model. You scale, they profit proportionally.

Larecoin charges for blockchain usage. Fixed costs that don't scale with your revenue.

Process $100K or $100M: gas fees stay roughly the same.

Your choice: Feed intermediaries or invest in your business.

Explore Larecoin's infrastructure at larecoin.com and see if cutting fees in half makes sense for your volume.

The savings compound. The question is whether you capture them or hand them over.