NOWPayments vs CoinPayments vs Larecoin: Which Cuts Your Merchant Fees by 50%+?

Processing $1.2M annually? You're bleeding $6,000-$12,000 in fees.

Traditional crypto payment processors take percentage cuts. Every. Single. Transaction.

There's a better way.

The Fee Structure Breakdown

Let's cut through the marketing fluff. Here's what you actually pay:

Platform	Platform Fee	Hidden Costs	Your Control
NOWPayments	0.5-1% per transaction	Network fees, withdrawal charges, conversion costs	Zero. They hold your crypto.
CoinPayments	0.5-1% per transaction	Blockchain fees, withdrawal penalties, conversion spreads	Zero. Custodial only.
Larecoin	0%	Solana gas (~$0.00025 per transaction)	100%. Self-custody wallet.

NOWPayments and CoinPayments charge you based on volume. More revenue = more fees.

Larecoin charges zero platform fees. Ever.

Why Percentage Fees Are Killing Your Margins

Processing $500K annually through NOWPayments? That's $2,500-$5,000 gone.

Same volume through Larecoin? Under $2,000 in total network costs.

That's 50-60% savings. Immediately.

Scale up to $5M in annual processing:

• NOWPayments: $33,000 total (platform + network + withdrawal)

• CoinPayments: $38,000-$63,000 total

• Larecoin: $1,250 in gas fees

83% savings at scale.

The math isn't complicated. Percentage fees multiply with your success. Fixed network costs don't.

The Custodial Trap

NOWPayments and CoinPayments operate on custodial models. They hold your funds. You wait for settlements.

You're essentially using crypto to recreate the traditional banking system. Same delays. Same third-party risk. Same lack of control.

Larecoin runs on self-custody architecture. Your wallet. Your keys. Your crypto.

Instant settlement. No withdrawal windows. No waiting 3-5 business days.

Web3 was built to eliminate intermediaries. Why add them back?

Real-World Scenarios

Small E-commerce Store ($500K/year)

• NOWPayments cost: $2,500-$5,000

• CoinPayments cost: $2,500-$5,000

• Larecoin cost: $1,875

• Annual savings: $625-$3,125

Growing DTC Brand ($1.2M/year)

• NOWPayments cost: $9,000+

• CoinPayments cost: $6,000-$12,000

• Larecoin cost: $2,000

• Annual savings: $4,000-$10,000

Enterprise Merchant ($5M/year)

• NOWPayments cost: $33,000

• CoinPayments cost: $38,000-$63,000

• Larecoin cost: $1,250

• Annual savings: $31,750-$61,750

Those savings compound. Month after month. Year after year.

The Solana Advantage

Larecoin built on Solana. Not Ethereum. Not Bitcoin.

Why? Speed and cost.

Solana processes 65,000 transactions per second. Average cost: $0.00025 per transaction.

Ethereum? 15-30 TPS. Gas fees regularly spike to $20-$50.

Bitcoin? 7 TPS. Fees hit $30+ during peak demand.

Your customers don't wait. Your payments don't cost a fortune.

Beyond Fee Savings: NFT Receipts

Every Larecoin transaction generates an NFT receipt. Automatically.

Immutable proof of purchase. On-chain forever. No chargebacks. No disputes.

Want to offer exclusive perks to repeat customers? Gate access based on NFT holdings.

Loyalty programs rebuilt for Web3. No points systems. No expiration dates. Just verifiable purchase history.

NOWPayments and CoinPayments? Standard receipts. Email confirmations. Nothing programmable.

LUSD: The Stability Play

Accept $LARE. Get paid in LUSD (Larecoin's stablecoin).

Price volatility eliminated. USD-pegged value maintained.

Customers pay with any crypto. You receive stable value. Automatic conversion happens on-chain.

No waiting for settlements. No hoping the market doesn't crash before you convert to fiat.

Traditional processors force you into their conversion windows. Their spreads. Their timing.

Larecoin gives you optionality. Hold $LARE if you believe in growth. Convert to LUSD for stability. Your choice. Instant execution.

Compliance Without Compromise

Larecoin operates as a registered Money Services Business (MSB) with FinCEN.

State-by-state Money Transmitter License (MTL) strategy underway.

This isn't some offshore operation. Full US regulatory compliance. No shortcuts.

Why does this matter? You're not risking your business on an unregistered platform.

When regulators crack down (and they will), you're protected. Your transactions are legitimate. Your business stays operational.

NOWPayments and CoinPayments operate in regulatory gray zones. International entities. Complex jurisdictions. Unclear compliance paths.

Risk you want to take?

The Self-Custody Security Model

Traditional processors hold your crypto. You trust them not to:

• Get hacked

• Go bankrupt

• Freeze your account

• Deny withdrawals

FTX trusted centralized custody. Users lost billions.

Larecoin's smart wallet architecture eliminates counterparty risk. You control private keys. Your funds never leave your wallet until you authorize transfer.

Multi-signature support. Hardware wallet integration. Recovery mechanisms.

Security without sacrificing user experience.

Integration Simplicity

Worried about switching costs?

Larecoin's merchant portal takes 15 minutes to set up. Plug-and-play APIs. Pre-built plugins for major e-commerce platforms.

No custom development required. No lengthy integration timelines.

Point-of-sale ready. Contactless NFC payments supported. Online checkout modules available.

Your existing workflow stays intact. Payment rails upgrade. That's it.

The Total Cost of Ownership

Let's calculate true costs over 3 years at $2M annual processing:

NOWPayments:

• Platform fees: $60,000

• Network costs: $15,000

• Withdrawal fees: $9,000

• Total: $84,000

CoinPayments:

• Platform fees: $60,000-$120,000

• Network costs: $24,000

• Withdrawal fees: $15,000

• Total: $99,000-$159,000

Larecoin:

• Platform fees: $0

• Gas costs: $3,750

• Total: $3,750

Three-year savings: $80,250-$155,250.

That's not a rounding error. That's hiring another developer. Opening a new market. Reinvesting in growth.

Making the Switch

Current contract with NOWPayments or CoinPayments? Run dual processing.

Route low-value transactions through old processor. High-value through Larecoin.

Test the infrastructure. Validate the savings. Then migrate completely.

Zero risk. Immediate upside.

Why This Matters Now

2026 is the inflection point for Web3 payments. Regulatory clarity increasing. Consumer adoption accelerating.

Early movers capture market share. Late adopters pay premium fees forever.

Larecoin's zero-fee model only works at scale. More merchants = more liquidity = better ecosystem.

Join now. Lock in founding merchant benefits. Gain positioning before competitors wise up.

Traditional processors won't drop fees. They can't. Their business models require percentage cuts.

Larecoin's model scales differently. Network effects amplify value. Fees stay zero.

The Verdict

NOWPayments and CoinPayments serve a purpose. Legacy infrastructure for legacy thinking.

Larecoin rebuilds payment rails from first principles. Self-custody. Zero platform fees. NFT innovation. Regulatory compliance.

50-83% fee savings aren't projections. They're mathematics.

Percentage fees versus fixed costs. Custodial control versus self-custody. Web2 thinking versus Web3 architecture.

Your merchant fees funding someone else's profit margins? Or your business growth?

The choice is obvious.

Ready to cut fees by 50%+?

Start with Larecoin today.