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

Merchant fees eat your profits.

Every percentage point matters when you're processing thousands in transactions monthly. Traditional payment processors charge 2-3%. Crypto processors promise better. But do they deliver?

Let's break down exactly what NOWPayments, CoinPayments, and Larecoin actually cost you. No marketing fluff. Just numbers.

The Fee Structure Breakdown

NOWPayments:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• 300+ cryptocurrencies supported

• Custodial model (they hold your funds)

CoinPayments:

• 0.5% for major cryptocurrencies

• 1% for tokens and stablecoins

• 2,000+ cryptocurrencies supported

• Custodial model with settlement delays

Larecoin:

• Gas fees only (no percentage-based fees)

• Direct self-custody transfers

• Native LUSD stablecoin integration

• NFT receipts included

Real-World Cost Comparison

Numbers don't lie. Here's what you'd actually pay based on annual volume:

$100,000 in annual transactions:

• Traditional processor: ~$3,000

• NOWPayments/CoinPayments: ~$1,000

• Larecoin: Under $400

$500,000 in annual transactions:

• Traditional processor: ~$15,000

• NOWPayments/CoinPayments: ~$5,000

• Larecoin: Under $2,000

$1,000,000 in annual transactions:

• Traditional processor: ~$30,000

• NOWPayments/CoinPayments: ~$10,000

• Larecoin: Under $4,000

That's 50-60% savings versus NOWPayments and CoinPayments. Over 85% savings versus traditional processors.

Scale matters. The bigger your volume, the more you save with Larecoin's gas-only model.

The Custody Problem

NOWPayments and CoinPayments both use custodial models.

What does that mean for you?

They hold your crypto:

• Settlement delays (minutes to hours)

• Your funds sit in their wallets

• Withdrawal limits and schedules

• Additional counterparty risk

You're trusting them with:

• Transaction verification

• Security protocols

• Fund management

• Settlement timing

Larecoin flips this completely. Self-custody means funds transfer directly to your wallet. Instantly. No intermediary. No delays.

Why Gas-Only Fees Change Everything

Percentage-based fees scale with your success. The more you make, the more they take.

Gas fees don't work that way.

On Solana (Larecoin's network):

• Transaction costs: $0.00025 average

• Same fee for $100 or $100,000

• Predictable costs regardless of volume

• No surprise charges

Compare that to 0.5-1% on every transaction. A $10,000 sale costs you $50-100 with NOWPayments or CoinPayments. With Larecoin? Less than a dollar in gas fees.

The math gets better as you grow.

LUSD: Native Stablecoin Advantage

NOWPayments and CoinPayments integrate third-party stablecoin solutions. That means:

• Extra conversion steps

• Additional fees buried in the process

• Slower settlement times

• Multiple custody handoffs

Larecoin built LUSD natively into the ecosystem.

What you get:

• Direct stablecoin acceptance

• No third-party conversions

• Lower overall costs

• Faster processing

• Seamless integration

Merchants want price stability. LUSD delivers it without the traditional stablecoin markup.

NFT Receipts: Innovation That Matters

Neither NOWPayments nor CoinPayments offer NFT receipts.

Larecoin does. Automatically.

Why it matters:

• Permanent transaction records on-chain

• Customer loyalty opportunities

• Digital collectibles for purchases

• Marketing differentiation

• Web3-native customer experience

Turn every transaction into a potential relationship. Your customers get verifiable proof of purchase that lives forever on the blockchain.

That's not just a receipt. It's a marketing tool.

The Feature Comparison Matrix

Transaction Speed:

• NOWPayments: Instant to minutes

• CoinPayments: Minutes to hours

• Larecoin: Instant (Solana speed)

Custody Model:

• NOWPayments: Custodial

• CoinPayments: Custodial

• Larecoin: Self-custody

Cryptocurrency Support:

• NOWPayments: 300+

• CoinPayments: 2,000+

• Larecoin: Major chains via bridges

Network Fee Control:

• NOWPayments: Customizable

• CoinPayments: Fixed

• Larecoin: Full control

Stablecoin Integration:

• NOWPayments: Third-party

• CoinPayments: Third-party

• Larecoin: Native LUSD

Merchant Freedom Means True Ownership

Custodial solutions control your funds. Even temporarily.

Self-custody means true merchant independence:

• Your keys, your crypto

• No withdrawal limits

• No settlement schedules

• No permission needed to access your money

• Complete financial sovereignty

Learn more about reducing merchant fees by 50% while maintaining full custody.

That's the difference between using a payment processor and owning your payment infrastructure.

The Hidden Costs Nobody Talks About

NOWPayments and CoinPayments charge for:

• API integrations (sometimes)

• Premium support tiers

• Withdrawal fees

• Currency conversion spreads

• Rush settlement (expedited transfers)

Larecoin's gas-only model:

• No API fees

• No support tiers

• No withdrawal fees

• No conversion markups

• No hidden charges

Transparent pricing means you know exactly what you'll pay. Before you process a single transaction.

Real Merchant Scenarios

Scenario 1: Online Store

• $50,000 monthly volume

• 200 transactions

• NOWPayments cost: ~$500/month

• CoinPayments cost: ~$500/month

• Larecoin cost: Under $100/month

Scenario 2: Physical Retail

• $150,000 monthly volume

• 1,000 transactions

• NOWPayments cost: ~$1,500/month

• CoinPayments cost: ~$1,500/month

• Larecoin cost: Under $300/month

Scenario 3: High-Volume Merchant

• $500,000 monthly volume

• 3,000 transactions

• NOWPayments cost: ~$5,000/month

• CoinPayments cost: ~$5,000/month

• Larecoin cost: Under $1,000/month

The Decentralization Factor

NOWPayments and CoinPayments operate as centralized intermediaries. They can:

• Change fees at any time

• Freeze accounts

• Impose new restrictions

• Require additional KYC

• Modify terms of service

Larecoin's decentralized infrastructure means:

• Protocol-level fee structure

• No account freezing

• Censorship-resistant

• Immutable smart contracts

• True Web3 principles

You're not renting payment processing. You're owning it.

Making The Switch

Migration from NOWPayments or CoinPayments takes minutes:

1. Set up your Larecoin merchant wallet

2. Install the POS terminal or integrate the API

3. Start accepting payments immediately

4. Watch your fees drop by 50%+

No complicated onboarding. No lengthy verification. No waiting periods.

Check out our comparison guide for detailed migration steps.

The Bottom Line

NOWPayments and CoinPayments offer decent crypto payment processing. Both charge 0.5-1% per transaction. Both use custodial models. Both get the job done.

Larecoin offers something different:

• 50%+ fee savings through gas-only pricing

• Self-custody from the first transaction

• Native LUSD stablecoin integration

• NFT receipts for every purchase

• True merchant independence

Your business deserves more than "decent." It deserves the lowest fees possible while maintaining complete control over your funds.

The question isn't whether Larecoin saves you money. The research proves it does.

The question is: how much longer can you afford to overpay?

Visit Larecoin to calculate your exact savings and start accepting crypto payments the right way.