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

Payment processing fees are eating your margins alive.

Every percentage point matters. Every transaction cost compounds. And if you're still paying 0.5-1% on every crypto payment? You're leaving serious money on the table.

Let's break down the three major players in Web3 payments: Larecoin, NOWPayments, and CoinPayments. We'll look at the real numbers. The actual features. And which solution actually delivers on the promise of slashing your fees.

Spoiler: not all payment processors are created equal.

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The Fee Showdown: Real Numbers, Real Savings

Here's where it gets interesting.

Most crypto payment processors charge percentage-based fees. Sounds reasonable until you calculate your annual volume.

Platform	Fee Structure	Annual Cost on $500K Volume
NOWPayments	0.75% per transaction	$3,750
CoinPayments	0.75% per transaction	$3,750
Larecoin	Gas-only (network fees)	Significantly lower

That's $3,750+ annually going straight to intermediaries.

With Larecoin? You pay network gas fees. That's it. No percentage cuts. No hidden processing charges. Just the blockchain doing its thing.

For merchants processing serious volume? We're talking 50%+ savings compared to NOWPayments and CoinPayments. Those savings compound fast.

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Self-Custody: Your Money, Your Wallet, Your Rules

This is where the architecture fundamentally differs.

NOWPayments and CoinPayments operate as intermediaries. They receive your customer's payment. They hold it. Then they release it to you. Maybe today. Maybe tomorrow. Depends on their schedule.

Larecoin flips this model completely.

Direct merchant-to-customer transactions. Full self-custody. Funds hit your wallet immediately. No middleman holding your revenue hostage.

Think about that for a second.

• No waiting periods

• No custodial risk

• No third-party controlling your cash flow

• No withdrawal limits or holds

Your wallet. Your keys. Your funds, instantly.

This isn't just a convenience feature. It's a fundamental shift in how payment processing should work. Web3 promised decentralization. Larecoin actually delivers it.

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LUSD: The Zero-Volatility Settlement Game Changer

Crypto volatility kills merchant adoption. Everyone knows this.

You accept a payment at $100. By the time you convert? Maybe it's $95. Maybe $105. That unpredictability makes accounting a nightmare and margin planning impossible.

NOWPayments? No native stablecoin solution.

CoinPayments? Same story.

Larecoin? Built-in LUSD stablecoin integration.

LUSD lets merchants settle in a stable asset. No volatility exposure. No price swing anxiety. Accept crypto. Settle stable. Simple.

This solves one of the biggest barriers to crypto adoption for everyday businesses. You get the benefits of blockchain payments without the rollercoaster ride.

For merchants who want crypto's efficiency but need fiat-level predictability? LUSD is the answer.

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NFT Receipts: Immutable Transaction Records

Here's a feature you won't find anywhere else.

NOWPayments gives you transaction records. CoinPayments does the same. Standard stuff.

Larecoin gives you NFT receipts.

Every transaction minted as an immutable, on-chain record. What does that mean for your business?

• Audit-proof documentation – Every receipt exists permanently on-chain

• Dispute resolution – Undeniable proof of payment

• Customer experience – Modern, Web3-native receipts they can actually own

• Accounting simplification – Blockchain-verified records for your books

It's not a gimmick. It's practical infrastructure for businesses operating in the Web3 economy.

Traditional payment processors give you PDFs. Larecoin gives you permanent, verifiable, blockchain-native proof.

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Speed: Sub-Second vs Minutes

Time matters. Especially at the point of sale.

Here's the reality:

Platform	Transaction Speed
NOWPayments	~5 minutes
CoinPayments	Minutes to hours (varies)
Larecoin	Sub-second finality

Larecoin runs on Solana. Sub-second finality. Your customer pays. The transaction confirms. Done.

No awkward waiting at the counter. No "checking if the payment went through." No uncertainty.

For retail environments? This is non-negotiable. For online checkout? It dramatically reduces cart abandonment.

CoinPayments can take hours depending on network congestion and coin type. Hours. In 2026. That's not Web3 innovation, that's Web1 patience testing.

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US Compliance: MSB and State MTL Strategy

Let's talk about the elephant in the room.

Many crypto payment processors operate in regulatory gray zones. That works until it doesn't. And when regulators come knocking? You don't want your payment infrastructure caught in the crossfire.

Larecoin takes compliance seriously.

The company pursues a rigorous US compliance strategy including:

• Money Services Business (MSB) registration

• State Money Transmitter License (MTL) pursuit

• Proactive regulatory engagement

This isn't just about checking boxes. It's about building sustainable infrastructure that merchants can rely on for the long term.

Operating in the US market requires this level of commitment. Half-measures create existential risk for your business. Larecoin's compliance-first approach means you're partnering with a platform built to last.

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Feature Comparison: The Full Picture

Let's stack everything side-by-side:

Feature	NOWPayments	CoinPayments	Larecoin
Fee Model	0.75%	0.75%	Gas-only
Self-Custody	No	No	Yes
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Transaction Speed	~5 min	Variable	Sub-second
Hardware Required	No	Optional	No (QR-based)
Crypto Support	300+	40+	Comprehensive
US Compliance Focus	Limited	Limited	MSB + MTL Strategy

The pattern is clear.

NOWPayments wins on sheer cryptocurrency variety: 300+ supported coins is impressive. CoinPayments offers stability and legacy platform support.

But if fee reduction, self-custody, modern merchant tools, and US compliance matter to your business? Larecoin is operating on a different level.

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Which Platform Should You Choose?

Your priorities determine your platform.

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• Basic processing meets your needs

• Self-custody isn't a priority

Choose CoinPayments if:

• Platform stability matters most

• You're comfortable with legacy infrastructure

• Variable settlement times work for your model

Choose Larecoin if:

• Fee reduction directly impacts your margins

• Self-custody and fund control are non-negotiable

• You want modern features like NFT receipts and LUSD

• US regulatory compliance matters for your business

• Sub-second transaction finality improves your customer experience

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The Bottom Line

Payment processing shouldn't eat your profits.

Traditional crypto payment processors improved on credit card fees. But they kept the intermediary model. They kept percentage-based pricing. They kept custody of your funds.

Larecoin represents the next evolution.

Gas-only fees. True self-custody. LUSD stability. NFT receipts. Sub-second finality. And a compliance strategy built for long-term US market operation.

The math is simple. The technology is proven. The choice is yours.

Ready to stop overpaying for payment processing? Explore Larecoin and see what Web3 payments should actually look like.

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This post is part of the Larecoin 10-Year Blog Marathon, where we're documenting the evolution of Web3 payments and building the future of decentralized commerce.