NOWPayments Vs CoinPayments Vs Larecoin: Which Crypto Payment Processor Actually Slashes Your Fees?

Merchant interchange fees are killing your margins.

Traditional processors take 2.5-3.5% of every transaction. Credit card companies have held businesses hostage for decades. Crypto payment processors promise relief: but which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just the numbers and features that matter to your bottom line.

The Fee Breakdown: Where Your Money Actually Goes

Here's what most merchants don't realize: not all crypto payment processors are created equal.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	50%+ savings vs traditional
Customizable Network Fees	✅	❌	✅
Payout Fees	0%	0%	Minimal gas only
Custody Model	Non-custodial (optional)	Custodial	Full self-custody
Processing Speed	~5 minutes	Minutes to hours	Near-instant

At first glance, NOWPayments and CoinPayments look identical. Both charge 0.5% for single-currency transactions. Both bump to 1% for multi-currency.

But the devil's in the details.

Customizable Network Fees: The Hidden Cost Nobody Talks About

Here's where things get interesting.

NOWPayments lets you customize network fees. You decide whether to absorb them, split them, or pass them to customers. Flexibility matters when gas fees spike.

CoinPayments doesn't offer this. Gas fees fall on the payer. Period. Your customers feel the pinch during network congestion.

Larecoin takes a different approach entirely. The platform operates on gas-only transfers. No middleman markup. No hidden percentages. Just the actual cost of moving value on-chain.

For small business owners running a crypto POS system, this difference adds up fast. A busy café processing 200 transactions daily could save hundreds monthly just on fee optimization alone.

The Custody Question: Who Actually Holds Your Money?

This is where Larecoin fundamentally diverges from the competition.

CoinPayments operates a custodial model. Your payments hit their wallets first. They hold your funds. You trust them to release your money. Sound familiar? It should: that's exactly how traditional banks work.

NOWPayments offers non-custodial by default. Payments route directly to your wallet. Better. But optional custody features still exist, creating potential friction points.

Larecoin delivers full self-custody merchant accounts. Zero middlemen holding your revenue. Your crypto hits your wallet immediately. Nobody freezes your account. Nobody asks permission to access your own money.

Financial sovereignty isn't just a buzzword here. It's the architecture.

For merchants tired of banks blocking transactions, holding funds for "review," or imposing arbitrary limits: self-custody changes everything. Your business operates bank-free. Your revenue flows directly to you.

Processing Speed: Time Is Money (Literally)

Speed matters more than most merchants realize.

NOWPayments: Approximately 5 minutes per transaction. Acceptable for e-commerce. Frustrating for in-person retail.

CoinPayments: Minutes to hours. Unpredictable. That variability kills customer experience at checkout.

Larecoin: Near-instant settlement.

Think about that. A customer pays. You see the funds immediately. No waiting. No uncertainty. No awkward "just a moment while we confirm" conversations.

For brick-and-mortar stores using a crypto POS system for small business operations, near-instant beats everything else. Customers expect speed. Larecoin delivers.

Cryptocurrency Support: Breadth vs. Depth

Let's talk options.

NOWPayments supports 300+ cryptocurrencies and 30+ stablecoins. Impressive range. Your customers can pay with almost anything.

CoinPayments covers 40+ cryptocurrencies. Decent, but limited compared to NOWPayments.

Larecoin focuses on quality over quantity: with a killer differentiator: LUSD stablecoin integration.

Why does LUSD matter?

Volatility kills merchant adoption. Nobody wants to accept $100 in crypto that becomes $85 by morning. Stablecoins solve this. LUSD provides price stability without leaving the crypto ecosystem. You get the benefits of Web3 global payments without the stomach-churning price swings.

The LUSD stablecoin benefits extend beyond stability. Native ecosystem integration means lower fees, faster processing, and seamless merchant portal functionality.

NFT Receipts: Accounting Will Never Be the Same

Here's where Larecoin gets genuinely innovative.

Traditional receipts? Paper that fades. PDFs that get lost. Spreadsheets that nobody updates.

NFT receipts for accounting change the game.

Every transaction mints an immutable record on-chain. Permanent. Verifiable. Impossible to fake or alter.

Your accountant will love you. Tax season becomes infinitely simpler. Audit trails exist automatically. Every receipt links to actual blockchain transactions.

Neither NOWPayments nor CoinPayments offers anything comparable. This isn't a minor feature: it's a fundamental rethink of business record-keeping.

For merchants processing hundreds of daily transactions, NFT receipts eliminate reconciliation headaches. Everything lives on-chain. Everything verifies instantly.

The Receivables Token: Turning Invoices Into Assets

Larecoin introduces another concept neither competitor matches: the receivables token.

Traditional invoices sit in systems waiting for payment. Dead money. Locked capital.

Receivables tokens transform outstanding invoices into tradeable assets. Instant liquidity without waiting 30, 60, or 90 days for customer payment.

Small businesses struggle with cash flow. Receivables tokens solve this. Your invoices become functional financial instruments rather than IOUs collecting dust.

This is Web3 finance infrastructure, not just payment processing.

Real-World Application: The 50% Savings Claim

Let's address the elephant in the room.

Larecoin claims 50%+ savings compared to traditional payment processors. Is that accurate?

Against Visa/Mastercard's 2.5-3.5%? Absolutely. Crypto payment processors universally crush traditional interchange fees.

Against other crypto processors? The comparison shifts. NOWPayments and CoinPayments charge similar base rates. The savings come from:

• Self-custody eliminating withdrawal fees

• Gas-only transfers removing percentage-based cuts

• LUSD native processing reducing conversion costs

• Near-instant settlement improving cash flow

The aggregate effect? Significantly reduced merchant interchange fees across the board.

Which Processor Wins?

Choose NOWPayments if: You need maximum cryptocurrency variety and prefer established infrastructure. The customizable network fees provide solid flexibility.

Choose CoinPayments if: You want simplicity over features and don't mind custodial arrangements. It works. It's just not pushing boundaries.

Choose Larecoin if: You demand full financial sovereignty, want innovative features like NFT receipts and receivables tokens, need near-instant settlement, and refuse to let intermediaries hold your revenue.

The choice really comes down to philosophy.

Do you want a crypto-fied version of traditional payment processing? Or do you want actual Web3 infrastructure that rethinks how merchant payments should work?

Larecoin isn't just a NOWPayments alternative or CoinPayments alternative. It's a different category entirely.

Get Started Today

Ready to slash your merchant fees and take control of your revenue?

Visit Larecoin to explore self-custody merchant accounts, LUSD integration, and the future of Web3 global payments.

Your margins deserve better. Your customers deserve faster. Your business deserves freedom.

The old payment rails are crumbling. Build on something new.