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

Payment fees are eating your profits alive.

Every transaction. Every sale. Every single customer checkout.

Traditional processors take 2.9% plus 30 cents. Crypto payment gateways promised salvation. But are they actually delivering?

Let's break down the three biggest names in Web3 payments: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts about which solution actually keeps more money in your pocket.

The Fee Problem Nobody Talks About

Here's the deal. You switched to crypto payments expecting lower fees.

Instead? You're still hemorrhaging money.

NOWPayments and CoinPayments both charge 0.5-1% processing fees. Sounds small. But let's do some math.

Processing $500,000 annually? That's roughly $5,000 walking out the door. Every. Single. Year.

For small businesses grinding to scale, that's a marketing budget. A new hire. Product development funding.

Gone.

The Fee Breakdown: Numbers Don't Lie

Let's get specific.

NOWPayments:

• Processing fees: 0.5-1%

• Customizable network fees

• Annual cost on $500K volume: ~$5,000

CoinPayments:

• Processing fees: 0.5-1%

• Standard network fees

• Annual cost on $500K volume: ~$5,000

Larecoin:

• Processing fees: Zero. None. Nada.

• Gas-only transfer model

• Annual cost on $500K volume: Under $2,000

The difference? Over 50% savings compared to competitors. Over 85% savings versus traditional payment processors.

That's not marketing speak. That's basic arithmetic.

How Larecoin's Gas-Only Model Works

Traditional payment processors act as middlemen. They touch your funds. They process transactions. They charge for the privilege.

Larecoin eliminates the middleman entirely.

You pay network gas fees only. Built on Solana, those fees are measured in fractions of a cent. No percentage cuts. No hidden charges. No surprises at month-end.

For a business processing $10,000 monthly, this translates to immediate savings of 50%+ compared to other crypto payment solutions.

Transaction Speed: Time Is Money

Fees matter. Speed matters more.

When a customer pays, how long until you see those funds?

NOWPayments: Approximately 5 minutes average settlement time.

CoinPayments: Variable. Minutes to hours depending on network congestion.

Larecoin: Sub-second finality on Solana.

Not minutes. Not hours. Sub-second.

Your customer clicks "pay." You receive funds. Almost simultaneously.

In e-commerce, this transforms cash flow management. No more waiting. No more uncertainty. Instant settlement means instant liquidity.

Self-Custody: Your Money, Your Control

Here's where things get interesting.

NOWPayments and CoinPayments operate as custodial services. Translation? They hold your funds. They control your money. You trust them not to freeze accounts, change terms, or disappear.

We've seen what happens when custodial platforms fail. Repeatedly.

Larecoin operates on a full self-custody model. Funds transfer directly from customer to your merchant wallet. No intermediary holding your revenue. No third-party risk.

Direct merchant-to-customer transactions with immediate settlement. Period.

Your keys. Your crypto. Your business.

LUSD: The Stablecoin Advantage

Volatility kills crypto adoption for merchants.

Accept Bitcoin today. Wake up tomorrow to a 10% price drop. Your $1,000 sale is now worth $900.

LUSD solves this problem natively within the Larecoin ecosystem.

Built-in stablecoin functionality means:

• Price stability at point of sale

• No manual conversion required

• Seamless integration with existing workflows

• Protection from market swings

NOWPayments and CoinPayments? No native stablecoin. You're on your own managing volatility exposure.

LUSD keeps your revenue predictable. Accept crypto. Receive stable value. Sleep soundly.

NFT Receipts: Web3-Native Record Keeping

This feature separates Larecoin from every other payment processor on the market.

Every transaction generates an NFT receipt. Immutable. Verifiable. Permanently recorded on-chain.

Why does this matter?

For merchants:

• Automated compliance documentation

• Dispute resolution proof

• Audit-ready transaction history

• Zero paperwork

For customers:

• Proof of purchase that can't be altered

• Collectible transaction records

• Enhanced trust in merchants

NOWPayments doesn't offer this. CoinPayments doesn't offer this. Traditional processors definitely don't offer this.

NFT receipts represent the future of transaction documentation. Larecoin delivers it today.

US Compliance: The Elephant in the Room

Here's the uncomfortable truth about crypto payments.

Most platforms operate in regulatory gray zones. They avoid US markets entirely. Or they hope nobody notices their compliance gaps.

Larecoin takes the opposite approach.

Rigorous US compliance strategy including:

• Money Services Business (MSB) registration

• State Money Transmitter License (MTL) pursuit

• Proactive regulatory engagement

• Transparent operational structure

What does this mean for your business?

Operating with Larecoin means operating with a compliant partner. No regulatory surprises. No sudden service terminations. No legal exposure from working with non-compliant processors.

As crypto regulation tightens, and it will, businesses using properly licensed payment solutions will thrive. Others will scramble.

The Complete Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas only
Transaction Speed	~5 minutes	Variable	Sub-second
Custody Model	Custodial	Custodial	Self-custody
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
Setup Complexity	High	Low	Low
US Compliance Focus	Limited	Limited	MSB + MTL Strategy

The numbers speak. The features speak louder.

Who Should Choose What?

Choose NOWPayments if:

• You're comfortable with custodial solutions

• 5-minute settlement times work for your business model

• You don't need native stablecoin integration

Choose CoinPayments if:

• You prioritize easy setup over features

• Variable settlement times aren't deal-breakers

• You're okay with standard crypto payment functionality

Choose Larecoin if:

• Maximum fee savings matter

• Self-custody is non-negotiable

• You need sub-second transaction finality

• LUSD stablecoin integration adds value

• NFT receipts enhance your operations

• US compliance matters for your business

The Bottom Line

Web3 payments promised revolution. Most platforms delivered incremental improvement.

Larecoin delivers actual revolution.

Gas-only fees. Sub-second settlement. Full self-custody. Native LUSD stablecoin. NFT receipts. Rigorous US compliance.

Every feature designed for merchants who refuse to accept "good enough."

This is year one of the Larecoin 10-year blog marathon. We're just getting started.

The question isn't whether you'll adopt Web3 payments. The question is which solution actually serves your bottom line.

Run the numbers. Compare the features. Make the smart choice.

Ready to slash your payment processing fees? Explore Larecoin and see what real Web3 payments look like.