NOWPayments vs CoinPayments vs Larecoin: Which Cuts Your Merchant Fees By 50%+ in 2026?

Merchant fees are killing your crypto revenue.

NOWPayments and CoinPayments both charge 0.5-1% per transaction. Plus network fees. Plus withdrawal costs. Plus conversion charges.

It adds up fast.

Larecoin operates differently. Gas-only. Zero platform fees. Just Solana network costs: pennies per transaction.

Let's break down the real numbers.

The Fee Breakdown: Where Your Money Actually Goes

Processing $500,000 Annually:

• NOWPayments: $2,500-$5,000 in fees

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in total costs

Savings: 50-60%

Processing $1 Million Annually:

• NOWPayments: $5,000-$10,000

• CoinPayments: $5,000-$10,000

• Larecoin: Under $2,000

Savings: 67-83%

Processing $5 Million Annually:

• NOWPayments: ~$25,000

• CoinPayments: ~$25,000

• Larecoin: ~$5,000

Savings: 50-80%

The gap widens as your business grows. Traditional processors scale their fees with your revenue. Larecoin doesn't.

Why Legacy Crypto Processors Charge So Much

Traditional crypto payment gateways operate like banks.

They're middlemen. Custodians. Centralized platforms sitting between you and your customers.

That infrastructure costs money:

• Server maintenance

• Customer support teams

• Compliance departments

• Custody solutions

• Conversion services

• Withdrawal processing

They pass those costs to you. Through percentage-based fees that grow with every transaction.

You're not just paying for payment processing. You're funding their entire operation.

The Gas-Only Revolution: How Larecoin Operates

Larecoin runs on Solana.

No middleman. No custody. No platform fees.

Just direct blockchain transactions. Merchant to customer. Wallet to wallet.

The only cost? Solana network gas fees. Typically under $0.01 per transaction.

Here's what you're NOT paying for:

• Platform maintenance fees

• Account management

• Currency conversion markups

• Withdrawal processing

• Custody services

• Monthly subscriptions

You keep control. You keep your crypto. You keep your profits.

This is self-custody in action. Your wallet. Your keys. Your funds.

No third party ever touches your money.

Settlement Speed: Seconds vs Minutes vs Hours

Speed matters when you're running a business.

Larecoin on Solana:

• Settlement: Sub-second finality

• Confirmation: Instant

• Availability: Immediate

NOWPayments:

• Settlement: ~5 minutes average

• Confirmation: Multiple blocks

• Availability: Variable by network

CoinPayments:

• Settlement: Minutes to hours

• Confirmation: Network dependent

• Availability: Delayed by congestion

Faster settlement means faster liquidity. You can reinvest, convert, or spend immediately.

No waiting. No uncertainty. No settlement delays holding up your cash flow.

Beyond Fee Savings: What Larecoin Actually Offers

Lower fees are just the beginning.

NFT Receipts for Every Transaction:

Every payment generates an on-chain NFT receipt. Permanent. Verifiable. Immutable.

Perfect for:

• Tax documentation

• Audit trails

• Customer records

• Dispute resolution

• Compliance reporting

No more chasing paper receipts. Everything's on-chain. Forever.

LUSD Stablecoin Integration:

Volatile crypto scares merchants. LUSD solves that.

Accept payments in stable value. No price swings. No conversion headaches.

Customers pay crypto. You receive stable value. Simple.

True Self-Custody:

Your wallet. Your private keys. Your control.

NOWPayments and CoinPayments hold your funds. They custody your crypto. They control withdrawals.

Larecoin never touches your money. Direct wallet-to-wallet. Decentralized. Permissionless.

No account freezes. No withdrawal limits. No third-party risk.

Real-World Merchant Scenarios

Scenario 1: Online Store Processing $50K Monthly

NOWPayments/CoinPayments annual fees: $3,000-$6,000

Larecoin annual costs: Under $1,200

Savings: $1,800-$4,800 yearly

That's inventory. Marketing budget. New equipment. Growth capital.

Scenario 2: SaaS Platform Processing $200K Monthly

NOWPayments/CoinPayments annual fees: $12,000-$24,000

Larecoin annual costs: Under $2,000

Savings: $10,000-$22,000 yearly

That's a full-time developer. Expanded features. Market expansion.

Scenario 3: Enterprise Processing $1M Monthly

NOWPayments/CoinPayments annual fees: $60,000-$120,000

Larecoin annual costs: ~$5,000

Savings: $55,000-$115,000 yearly

That's serious capital for scaling operations.

The Independence Factor: Why Decentralization Matters

Centralized payment processors control your access.

They can:

• Freeze accounts

• Delay withdrawals

• Change fees unilaterally

• Terminate service

• Enforce arbitrary restrictions

You're at their mercy. Their terms. Their timeline.

Larecoin operates differently.

No accounts to freeze. No terms to change. No access to revoke.

Blockchain-native payments. Permissionless by design. Censorship-resistant by default.

Your business operates independently. No gatekeeper. No intermediary. No single point of failure.

This is merchant freedom. True financial sovereignty.

Network Effects: Solana's Advantage

Solana processes 65,000+ transactions per second.

Near-zero fees. Sub-second finality. Massive scalability.

Compare that to:

• Bitcoin: ~7 TPS, $1-50 fees, 10+ minute confirmations

• Ethereum: ~30 TPS, $2-100 fees, minutes for finality

Solana's architecture enables Larecoin's gas-only model. No other chain makes it economically viable at this scale.

Fast. Cheap. Reliable.

The infrastructure for global crypto commerce.

What Traditional Processors Won't Tell You

Percentage-based fees aren't standard. They're a business model choice.

Banks charge them. Credit cards charge them. Legacy processors charge them.

Because it maximizes their revenue. Not yours.

Blockchain technology enables better. Direct peer-to-peer value transfer. No intermediary needed.

But most crypto payment processors recreate traditional banking models. Same fees. Same custody. Same control.

Why?

Because it's profitable. For them.

Larecoin rejects that model entirely.

Making the Switch: What It Actually Takes

Setup Time:

• NOWPayments: Account creation, KYC, API integration

• CoinPayments: Account setup, verification, merchant dashboard

• Larecoin: Create wallet, integrate payment protocol

Ongoing Management:

• NOWPayments: Monitor account, manage withdrawals, reconcile fees

• CoinPayments: Track settlements, process conversions, handle custody

• Larecoin: Receive payments directly, manage your wallet

Technical Requirements:

• NOWPayments: API keys, webhook configuration, platform integration

• CoinPayments: Merchant account, payment buttons, shopping cart plugins

• Larecoin: Solana wallet, payment request generation

Simpler infrastructure. Less overhead. More control.

The 2026 Merchant Reality

Crypto adoption is accelerating. Payment processors are multiplying.

But fee structures remain stuck in Web2 thinking.

Merchants need better. Lower costs. Faster settlements. True ownership.

Larecoin delivers all three.

No percentage fees. Instant finality. Self-custody by default.

This is what Web3 payments should be. Direct. Decentralized. Dirt cheap.

Visit Larecoin to start cutting your merchant fees by 50%+ today.

Your revenue. Your crypto. Your control.

Welcome to gas-only payments.