Larecoin Vs NOWPayments Vs CoinPayments: Which Web3 Payment Solution Actually Saves You Money?

Payment fees are killing your margins. Period.

If you're running a business accepting crypto, you've probably noticed something frustrating. Those "low" processing fees add up fast. We're talking thousands of dollars annually, money that should stay in your pocket.

So let's cut through the noise. NOWPayments, CoinPayments, and Larecoin all promise to save you money. But which one actually delivers?

We ran the numbers. Here's what we found.

The Fee Structure Showdown

Let's talk dollars and cents.

NOWPayments: 0.5-1% per transaction. Sounds reasonable until you do the math. Processing $500,000 annually? That's $2,500-$5,000 gone. Just like that.

CoinPayments: Same ballpark. 0.5-1% processing fees. Similar annual hit to your bottom line.

Larecoin: Gas-only transfers. No percentage-based fees eating into your revenue. That same $500,000 volume? Under $2,000 in total costs.

The difference? Over 50% savings compared to traditional processors. And significant savings versus other crypto payment solutions.

For context: traditional card processors charge 2.5-3.5%. All three crypto options beat that. But Larecoin beats them all.

Self-Custody: Your Money, Your Control

Here's where things get interesting.

CoinPayments operates a custodial model. Translation: they hold your funds. You're trusting a third party with your money.

NOWPayments offers non-custodial options. Better. But still involves intermediaries in the transaction flow.

Larecoin? Full self-custody. Funds go directly to your wallet. No middleman. No waiting. No trust required.

Why does this matter?

• No counterparty risk

• No withdrawal delays

• No account freezes

• No permission needed to access YOUR money

In Web3, self-custody isn't just a feature. It's the whole point.

LUSD: The Stablecoin Advantage

Volatility kills commerce. Nobody wants to accept payment in crypto that might lose 10% by tomorrow.

Enter stablecoins. But not all stablecoin integrations are created equal.

NOWPayments and CoinPayments rely on third-party stablecoin integrations. Extra conversions. Extra fees. Extra complexity.

Larecoin built LUSD natively into the ecosystem. Native stablecoin support means:

• Seamless merchant settlements

• No conversion headaches

• Price stability for everyday transactions

• Reduced slippage on trades

When stablecoins are native, not bolted on, everything runs smoother.

Processing Speed: Time Is Money

Waiting for confirmations? That's so 2020.

Platform	Processing Speed
NOWPayments	~5 minutes
CoinPayments	Minutes to hours
Larecoin	Sub-second finality

Larecoin runs on Solana. Sub-second transaction finality. Your customer pays. You receive. Done.

For high-volume merchants, this isn't just convenient. It's transformational. Faster throughput. Better customer experience. More sales.

NFT Receipts: Proof That Actually Means Something

This is where Larecoin goes beyond the competition entirely.

Every Larecoin transaction can generate an NFT receipt. Immutable proof of purchase. Stored on-chain forever.

Think about that for a second.

• Dispute resolution becomes trivial

• Accounting gets automated

• Customer loyalty programs get supercharged

• Warranty claims become verifiable

NOWPayments? No NFT receipts. CoinPayments? Nope.

This isn't a gimmick. It's the future of commercial transactions. And Larecoin is already there.

Cryptocurrency Support: Quality Over Quantity

Let's address the elephant in the room.

CoinPayments supports 2,000+ cryptocurrencies. Impressive number.

NOWPayments supports 300+. Still substantial.

Larecoin offers an optimized selection focused on real-world utility.

Here's the thing: supporting 2,000 random tokens doesn't help your business. Most of them have zero liquidity. Zero real users. Zero practical value.

Larecoin focuses on what matters. Quality integrations. Real utility. Actual transaction volume.

US Compliance: The Elephant Nobody Talks About

Operating in the United States? Compliance isn't optional.

Many crypto payment processors dance around US regulations. Vague terms of service. Unclear licensing status. "Available in most countries" disclaimers.

Larecoin takes a different approach.

We're pursuing rigorous US compliance through:

• Money Services Business (MSB) registration

• State Money Transmitter License (MTL) strategy

This isn't just checking boxes. It's building infrastructure that lasts.

For US-based merchants, this matters enormously. Working with compliant partners means:

• Reduced legal exposure

• Banking relationships that don't disappear overnight

• Long-term operational stability

• Peace of mind

Compliance is boring. Until it isn't. Choose partners who take it seriously.

The Feature Comparison Matrix

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only
Custody Model	Non-custodial	Custodial	Self-custody
Processing Speed	~5 min	Variable	Sub-second
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
US Compliance Focus	Limited	Limited	MSB + MTL
Network Fee Flexibility	Yes	No	Optimized

The numbers speak for themselves.

Real-World Savings Example

Let's make this concrete.

Scenario: E-commerce store processing $50,000/month in crypto payments.

Annual volume: $600,000

With NOWPayments (0.5%): $3,000 in fees With CoinPayments (0.5%): $3,000 in fees With Larecoin (gas-only): Under $2,000 in network fees

Annual savings with Larecoin: $1,000+

That's money back in your pocket. Every year. Compounding as your business grows.

At $1 million annual volume? The savings multiply. At $10 million? Game-changing.

The Verdict

Look, all three platforms work. They all beat traditional payment processors. They all enable crypto commerce.

But "works" isn't the same as "optimal."

Choose NOWPayments if: You need maximum cryptocurrency variety and flexible network fee options.

Choose CoinPayments if: You want the broadest altcoin support and don't mind custodial services.

Choose Larecoin if: You want the lowest fees, true self-custody, native stablecoin support, NFT receipts, sub-second finality, and US-compliant infrastructure.

For merchants serious about Web3 payments: not just experimenting: the choice becomes clear.

Ready to Save?

Stop leaving money on the table.

Larecoin's merchant solutions are built for businesses that want more than "good enough."

Gas-only fees. Self-custody. LUSD stability. NFT receipts. US compliance.

The future of payments isn't coming. It's here.

Set up your merchant account and start keeping more of what you earn.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we build the future of Web3 payments: one block at a time.