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

Let's cut to the chase.

You're bleeding money on payment processing fees. Every swipe. Every transaction. Every sale.

Traditional interchange fees eat 2-3% of your revenue. That's $15,000-$30,000 annually on $500,000 in sales. Gone. Just like that.

Web3 payment solutions promise relief. But which one actually delivers?

We put three major players under the microscope: NOWPayments, CoinPayments, and Larecoin.

The results? Not even close.

The Real Cost of "Cheap" Payment Processing

Here's what most merchants don't realize.

Cryptocurrency payment processors don't charge traditional interchange fees. That's true. But they have their own fee structures. Processing fees. Network fees. Conversion fees. Withdrawal fees.

It adds up fast.

The question isn't whether crypto payments are cheaper than Visa or Mastercard. They usually are. The real question: which Web3 solution leaves the most money in your pocket?

NOWPayments: The Popular Choice

NOWPayments has built serious traction. They support 300+ cryptocurrencies. Integration is straightforward. The dashboard is clean.

Fee Structure:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• 0% withdrawal fees

• Customizable network fee options

Sounds reasonable, right?

Let's do the math. On $500,000 in annual revenue:

• Single currency: $2,500 in fees

• Multi-currency: $5,000 in fees

Plus network gas fees on top.

NOWPayments offers flexibility. Merchants can absorb fees or pass them to customers. Larger volumes unlock better rates. Support is responsive.

The catch? You're still paying half a percent on every single transaction. Forever. That percentage never goes away.

CoinPayments: The Veteran Player

CoinPayments has been around since 2013. They've processed billions in transactions. Enterprise-grade infrastructure. Global reach.

Fee Structure:

• 0.5% for Bitcoin and Ethereum transactions

• 1% for tokens and stablecoins

• 0% withdrawal fees

• Variable processing speeds (minutes to hours)

Nearly identical to NOWPayments on paper.

Same $500,000 revenue scenario:

• BTC/ETH only: $2,500 in fees

• Token-heavy: $5,000+ in fees

CoinPayments has a longer track record. More integrations. Established reputation.

The catch? Same percentage-based model. No customizable network fee programs. Processing times vary wildly. And that 1% on stablecoins? Brutal for merchants who want price stability.

Larecoin: The Gas-Only Model

Here's where things get interesting.

Larecoin doesn't charge percentage-based processing fees. None. Zero.

Fee Structure:

• Gas-only transfers

• No percentage-based processing fees

• Native LUSD stablecoin integration

• Self-custody model

That same $500,000 in annual revenue?

Under $2,000 in total costs. Just network gas fees.

Compare that to NOWPayments or CoinPayments at approximately $3,750 minimum.

That's nearly $1,750 back in your pocket every year. On just half a million in volume.

Scale that up. $2 million in revenue? You're looking at over $7,000 in annual savings versus percentage-based processors.

Beyond Fees: Why Architecture Matters

Fee savings matter. But they're just the beginning.

The real differences between these platforms run deeper. Let's break down the features that actually impact your business.

Self-Custody: Your Keys, Your Crypto

NOWPayments: Custodial model. They hold your funds until you withdraw.

CoinPayments: Custodial model. Same deal.

Larecoin: Self-custody native. Your funds never touch a third-party wallet. Full control. Always.

Why does this matter?

Custodial solutions create counterparty risk. Exchange hacks. Frozen accounts. Regulatory seizures. It's happened before. It'll happen again.

Self-custody eliminates that risk entirely. Your crypto moves directly to your wallet. Period.

LUSD: Stablecoin Integration Done Right

Price volatility kills crypto adoption for merchants. Nobody wants to accept $1,000 today and wake up with $800 tomorrow.

Stablecoins solve this. But not all stablecoin integrations are equal.

CoinPayments charges 1% on stablecoin transactions. That's double their BTC rate.

Larecoin's native LUSD stablecoin integrates seamlessly with zero percentage fees. Accept payments in LUSD. Hold in LUSD. Transfer in LUSD. All gas-only.

No volatility. No percentage drain.

NFT Receipts: Proof That Actually Means Something

This is where Larecoin gets innovative.

Every Larecoin transaction can generate an NFT receipt. On-chain. Immutable. Verifiable.

Why NFT receipts matter:

• Audit-proof documentation – Your accountant will thank you

• Customer dispute resolution – On-chain proof beats screenshots

• Loyalty program integration – Receipt NFTs can unlock rewards

• Brand engagement – Collectible receipts build community

NOWPayments and CoinPayments? Standard transaction records. Nothing on-chain. Nothing innovative.

Compliance: The Elephant in the Room

Let's talk about something most crypto companies avoid.

Regulatory compliance.

Operating a payment solution in the United States requires licenses. Lots of them. MSB registration at the federal level. State Money Transmitter Licenses in most jurisdictions. It's expensive. Time-consuming. Necessary.

Larecoin maintains rigorous US compliance through:

• Federal MSB registration with FinCEN

• State MTL strategy for multi-state coverage

• KYC/AML protocols meeting bank-grade standards

This isn't just box-checking. It's business continuity.

Merchants using non-compliant processors face risk. Account freezes. Fund seizures. Legal liability. Regulatory enforcement has accelerated dramatically since 2024.

Larecoin's compliance infrastructure protects merchants. Your payment processor's legal status directly impacts your business. Choose accordingly.

The Numbers Don't Lie

Let's put it all together.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	Gas only
Annual Cost ($500K)	~$3,750	~$3,750	<$2,000
Self-Custody	No	No	Yes
Native Stablecoin	No	No	Yes (LUSD)
NFT Receipts	No	No	Yes
US Compliance	Varies	Varies	MSB + MTL
Withdrawal Fees	0%	0%	Gas only

Clear winner? We think so.

Making the Switch

Ready to stop paying percentage-based fees?

Here's your next move:

1. Visit larecoin.com/pay – Explore merchant integration options

2. Review the Whitepaper – Understand the technical architecture

3. Join the Community – Connect with other merchants

The math is simple. Every transaction through percentage-based processors costs you money. Every Larecoin transaction costs you gas.

At scale, that difference becomes massive.

The Bottom Line

NOWPayments and CoinPayments built solid platforms. They've processed billions. They work.

But they're built on the same percentage-based model that traditional payment processors use. Just cheaper. Not different.

Larecoin represents something else entirely. Gas-only transfers. Self-custody. Native stablecoins. NFT receipts. US regulatory compliance.

The Web3 payment solution that actually slashes your fees isn't just cheaper.

It's fundamentally better.

Your move.

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This post is part of the Larecoin 10-year Blog Marathon. Follow our blog for the latest updates on Web3 payments, DeFi innovation, and the future of merchant solutions.