NOWPayments Vs CoinPayments Vs Larecoin: Which Cuts Your Merchant Fees in Half?

Merchant fees are killing your margins.

Traditional payment processors take 2.5-3.5% per transaction. Crypto gateways promise better. But which one actually delivers?

Let's break down the numbers. No fluff. Just facts.

The Fee Breakdown: What You Actually Pay

NOWPayments: 0.5-1% processing fee per transaction. Simple. Straightforward. Better than Visa.

CoinPayments: 0.5-1% processing fee structure. Similar range. Supports 2,000+ cryptocurrencies.

Larecoin: Gas-only fee model. Zero percentage cuts. You pay blockchain network fees. That's it.

Here's the math at $500,000 annual volume:

• NOWPayments/CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in total costs

• Traditional processors: $12,500-$17,500

That's 85%+ savings versus traditional rails. 50%+ savings versus crypto competitors.

Why the Fee Structure Matters More Than You Think

The percentage model is an old game. NOWPayments and CoinPayments operate as intermediaries. They hold your funds. Take their cut. Then settle to your account.

Classic middleman economics.

Larecoin flips this. Direct merchant-to-customer transactions. No intermediary holding period. No percentage extraction. Just network fees for blockchain validation.

Think about it: Why should you pay a percentage when the actual cost of processing is flat?

You shouldn't.

Custody: Who Controls Your Money?

NOWPayments and CoinPayments: Custodial wallets. They hold your crypto during settlement. You trust them with access.

Larecoin: Self-custody architecture. Your keys. Your crypto. Always.

This isn't just about control. It's about risk.

Custodial services create counterparty exposure. Exchange hacks. Platform failures. Regulatory freezes. When someone else holds your funds, you're vulnerable.

Self-custody eliminates this vector entirely.

The LUSD Advantage: Stablecoin Integration Done Right

NOWPayments supports 300+ cryptocurrencies. CoinPayments boasts 2,000+. Impressive numbers.

But here's the problem: Most merchants want stability. Price volatility kills cashflow planning.

Larecoin focuses on LUSD integration. Liquity USD. Decentralized. Overcollateralized. No central point of failure.

Benefits:

• Price stability for accounting

• No corporate control risk

• Composable DeFi integration

• True decentralization ethos

You get crypto benefits without volatility headaches.

NFT Receipts: The Web3 Difference

Traditional receipts are paper or email. Crypto gateways send transaction confirmations.

Larecoin issues NFT receipts.

Why does this matter?

NFT receipts are programmable, verifiable, and tradeable. They enable:

• Automated warranty tracking

• Resale verification

• Loyalty program integration

• Proof of purchase for digital/physical goods

This isn't a gimmick. It's infrastructure for the next generation of commerce.

Processing Speed: Real-World Performance

NOWPayments: Approximately 5 minutes per transaction. Consistent. Reliable.

CoinPayments: Variable timing. Minutes to hours depending on blockchain congestion.

Larecoin: Built on Solana infrastructure. Sub-second finality. Institutional-grade throughput.

Speed matters when customers are waiting. When cashflow needs same-day settlement. When scaling to thousands of transactions daily.

Larecoin's Solana foundation delivers speeds that legacy crypto gateways can't match.

US Compliance: The Regulatory Advantage

Here's what nobody talks about: Compliance infrastructure.

Larecoin operates with rigorous US regulatory strategy:

• Money Services Business (MSB) registration

• State-by-state Money Transmitter License (MTL) approach

• Proactive regulatory engagement

Why does this matter for merchants?

Because regulatory uncertainty is risk. When payment providers operate in gray areas, you're exposed. If they get shut down, your revenue stream dies.

Larecoin's compliance-first approach means:

• Long-term operational stability

• Bank relationship compatibility

• Reduced merchant liability

• Professional credibility with partners

This isn't sexy. But it's essential.

The Real Cost Comparison

Let's run real numbers. Your business processes $100,000 monthly in payments.

Traditional Processor (3% average):

• Monthly fees: $3,000

• Annual fees: $36,000

NOWPayments/CoinPayments (0.75% average):

• Monthly fees: $750

• Annual fees: $9,000

• Savings vs traditional: $27,000

Larecoin (gas-only model):

• Monthly fees: ~$150-200

• Annual fees: ~$2,000

• Savings vs traditional: $34,000

• Savings vs crypto competitors: $7,000

That $7,000 difference scales. At $500K monthly volume, you're saving $35,000 annually versus NOWPayments/CoinPayments.

That's real money.

Beyond Payments: Ecosystem Integration

NOWPayments and CoinPayments are payment gateways. Single-purpose tools.

Larecoin is an ecosystem:

• Decentralized exchange integration

• Liquidity pool access

• DAO governance participation

• Merchant portal tools

• AI-powered search

• Social commerce features

You're not just processing payments. You're accessing Web3 infrastructure.

Who Should Choose What?

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• You prefer simple custodial solutions

• Consistent 5-minute processing works for your model

Choose CoinPayments if:

• You want maximum cryptocurrency variety (2,000+)

• Variable processing speed is acceptable

• You prioritize crypto breadth over cost optimization

Choose Larecoin if:

• Fee minimization is your priority

• Self-custody aligns with your values

• You want Web3 ecosystem integration

• US regulatory compliance matters

• You're building for long-term crypto adoption

The Bottom Line

All three platforms beat traditional processors. That's not the question.

The question is: Do you want 75% savings or 85%+ savings?

Do you want custodial convenience or self-custody control?

Do you want a payment gateway or a Web3 ecosystem?

Larecoin cuts your fees the most aggressively. Delivers self-custody security. Enables NFT receipt innovation. Maintains rigorous US compliance.

The numbers don't lie.

Your move.

Ready to slash your merchant fees? Explore Larecoin's payment solutions at larecoin.com and see the difference gas-only pricing makes for your bottom line.