NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto Payment Processor Actually Keeps More Money in Your Pocket?

Let's cut to the chase.

You're accepting crypto payments. Smart move. But the processor you choose? That determines whether you're actually saving money or just trading one set of fees for another.

NOWPayments. CoinPayments. Larecoin.

Three different approaches. Three different fee structures. One winner for your bottom line.

Let's break it down.

The Fee Problem Nobody Talks About

Here's the dirty secret of crypto payment processing.

Most processors advertise "low fees" while quietly stacking charges that eat into your revenue. Currency conversion fees. Network fees. Withdrawal fees. Settlement delays.

Sound familiar?

Traditional payment processors charge 2.5-3.5% interchange fees. Crypto was supposed to fix this. But many processors simply replicated the same fee structure with different branding.

NOWPayments: The Numbers

NOWPayments has been around since 2019. Solid reputation. 300+ supported cryptocurrencies.

Base fee: 0.5% per transaction (no conversion)

With currency conversion: 1% total

Fiat conversion: 1.5% to 2.3%

Volume discounts: Yes, 0.45% at 50+ BTC monthly, 0.4% at 100+ BTC

Not bad. But here's the catch.

Most merchants need fiat conversion. Running a coffee shop? Your landlord doesn't accept ETH. That 0.5% quickly becomes 1.5-2.3%.

And those volume discounts? Great if you're processing millions. Not so great for small-to-medium businesses building their crypto payment infrastructure.

The real cost: For the average merchant with fiat needs, expect 1.5-2% all-in.

CoinPayments: The Veteran Play

CoinPayments launched in 2013. One of the OGs in the space.

Base fee: 0.5% per transaction

Network fees: Paid by the sender

Withdrawal fees: None from their wallet

Straightforward pricing. That 0.5% is competitive.

But CoinPayments operates on a custodial model. Your crypto sits in their wallet until you move it. Not your keys, not your coins.

For merchants prioritizing sovereignty and self-custody? That's a dealbreaker.

The real cost: 0.5% base, but you're trading control for convenience.

Larecoin: Built Different

Here's where things get interesting.

Larecoin isn't just another payment processor. It's a receivables token ecosystem designed to slash interchange fees by 50% compared to legacy systems.

The ecosystem breakdown:

• LARE: The receivables token

• LUSD: Stablecoin for settlements

• LarePAY: Payment processing infrastructure

• LareBlocks: The underlying blockchain layer

Fee structure: 50% lower than traditional processors

Self-custody: Yes: via the Larecoin Smart Wallet

Your keys. Your coins. Your money.

Self-Custody: Why It Actually Matters

Here's a scenario.

Processor goes down. Exchange gets hacked. Regulatory action freezes assets.

With custodial solutions, your funds are locked until someone else decides you can access them. We've seen this play out. Multiple times. In 2024 alone.

The Larecoin Smart Wallet flips this model.

Funds settle directly to your wallet. No intermediary holding your revenue. No waiting periods. No approval processes.

For merchants who've been burned by third-party custody issues? This is the feature that matters most.

NFT Receipts: The Tax Game-Changer

Nobody talks about this enough.

Crypto accounting is a nightmare. Transaction records scattered across multiple wallets. Exchange exports that don't match. Tax season becomes detective work.

Larecoin introduced NFT receipts.

Every transaction mints an immutable receipt on-chain. Date. Amount. Parties involved. Transaction hash.

Your accountant will thank you.

Your tax preparer will actually understand your crypto revenue.

And during an audit? You've got blockchain-verified documentation that can't be altered or disputed.

The hidden value: Reduced accounting costs. Faster tax prep. Audit-proof records.

QR-Generated POS: No Hardware Required

Traditional POS systems cost money. Hardware. Software licenses. Maintenance contracts.

Larecoin's QR-generated POS eliminates the hardware barrier.

Generate a payment QR code. Customer scans. Transaction completes.

Works on any device with a screen. Phone. Tablet. Laptop. That ancient register monitor you've been meaning to replace.

Setup time: Minutes, not days.

Hardware cost: Zero.

For brick-and-mortar merchants dipping into crypto payments, this removes the biggest friction point: upfront investment.

The Real Cost Comparison

Let's run the numbers on a $10,000 monthly transaction volume.

NOWPayments (with fiat conversion):

• 2% average = $200/month in fees

• Annual cost: $2,400

CoinPayments (base rate):

• 0.5% = $50/month in fees

• Annual cost: $600

• Plus: Custodial risk exposure

Larecoin (50% below legacy):

• ~1.25% effective rate = $125/month

• Annual cost: $1,500

• Plus: Self-custody, NFT receipts, no hardware costs

Annual savings switching to Larecoin from NOWPayments: $900

Annual savings vs. traditional processors (3%): $2,100

Scale that to $100,000 monthly volume. Now you're talking real money.

The Ecosystem Advantage

Single-point solutions have limits.

NOWPayments processes payments. CoinPayments processes payments.

Larecoin processes payments AND provides:

• Stablecoin settlement (LUSD)

• Decentralized exchange access

• Liquidity pools

• Cross-chain bridging

• Merchant portal with analytics

• AI-powered transaction search

One ecosystem. Multiple tools. Unified experience.

You're not just getting a payment processor. You're getting infrastructure.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ crypto support

• You're processing 100+ BTC monthly (volume discounts)

• Fiat conversion isn't a priority

Choose CoinPayments if:

• You want veteran reliability

• You're comfortable with custodial solutions

• Simplicity trumps features

Choose Larecoin if:

• Self-custody is non-negotiable

• You want 50% lower fees than legacy systems

• NFT receipts for accounting matter

• You're building long-term crypto infrastructure

• You prefer ecosystem over point solutions

The Bottom Line

Crypto payment processing should save you money. Not create new fee structures that mirror the old ones.

NOWPayments and CoinPayments serve their purpose. They're established. They work.

But Larecoin represents what crypto payments were always supposed to be:

• Lower fees

• Self-custody

• Built-in accounting solutions

• No hardware requirements

• Ecosystem-level functionality

The question isn't which processor is cheapest today.

It's which processor keeps the most money in your pocket over time while giving you control of your assets.

For merchants serious about Web3 payments? The math speaks for itself.

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Ready to slash your interchange fees by 50%?

Check out the Larecoin ecosystem and see the difference self-custody makes.