NOWPayments vs CoinPayments vs Larecoin: Which Cuts Your Merchant Fees the Most?

Every merchant asks the same question: "How much am I actually paying in fees?"

With crypto payment processors, the answer gets murky fast. Hidden charges. Conversion fees. Withdrawal penalties. Platform cuts.

Let's cut through the noise and break down exactly what NOWPayments, CoinPayments, and Larecoin charge: and which one saves you the most money.

The Fee Structure Showdown

NOWPayments: 0.5% for single-currency transactions, 1% for multi-currency transactions. Plus network fees. Plus withdrawal fees. Plus currency conversion charges. It adds up.

CoinPayments: 0.5-1% per transaction. Plus blockchain fees. Plus conversion costs. Plus withdrawal penalties when you move your money.

Larecoin: 0% platform fee. Zero. You only pay Solana gas costs: usually pennies per transaction. No withdrawal fees because you control your funds through self-custody.

The difference isn't subtle. It's massive.

Real Numbers: What You'll Actually Pay

Let's run the math on actual transaction volumes. No marketing fluff: just cold, hard numbers.

Processing $100,000 annually:

• NOWPayments/CoinPayments: $750–$1,000 in fees

• Larecoin: $300–$400 in gas costs

• Your savings: 50%+

Processing $500,000 annually:

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

• Larecoin: Under $2,000 in gas costs

• Your savings: 50-60%

Processing $1.2 million annually:

• NOWPayments/CoinPayments: $6,000–$12,000 in fees

• Larecoin: ~$2,000 in gas costs

• Your savings: 67-83%

Processing $5 million annually:

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

• Your savings: 50-80%

Notice the pattern? The more you process, the more you save with Larecoin.

Percentage-based fees scale with your success. Gas fees don't.

The Hidden Costs Nobody Talks About

NOWPayments and CoinPayments charge more than their advertised rates. Here's what they don't put in bold text on their homepage:

Conversion Fees: Accept payment in ETH but want to hold USDC? They'll charge you for that conversion. Every time.

Withdrawal Fees: Want to move your funds to your own wallet? Pay up. They charge you to access your own money.

Multi-Currency Penalties: Running a global business accepting multiple cryptos? NOWPayments doubles their fee to 1%.

Network Fee Markups: They pass on blockchain fees: but often with hidden markups baked in.

Custodial Risk: They hold your funds. You're trusting a third party with your revenue. That's not just a fee: it's a liability.

Larecoin eliminates these entirely. Gas-only model. Self-custody. Direct wallet-to-wallet transactions.

Your crypto. Your keys. Your control.

Why Solana Changes Everything

Larecoin runs on Solana. That matters more than you think.

Solana transactions cost fractions of a cent. Ethereum gas fees can spike to $50+ during network congestion. Bitcoin transactions aren't much better.

NOWPayments and CoinPayments support multiple chains: which sounds great until you realize you're paying premium fees regardless of which blockchain you use.

Larecoin's Solana-first approach means:

• Consistent, predictable costs

• Lightning-fast settlement (sub-second finality)

• Scalability that doesn't break during bull markets

• Infrastructure built for high-volume merchants

Processing 10,000 transactions? Your gas costs might total $50-100. Not per transaction. Total.

The Self-Custody Advantage

Here's where Larecoin fundamentally differs from NOWPayments and CoinPayments.

Traditional processors hold your funds. You're essentially renting access to your own revenue. They control when you can withdraw. How much you can withdraw. Whether they freeze your account.

Larecoin operates on self-custody principles. Payments hit your wallet directly. No intermediary. No custodian. No permission needed.

What this means for you:

• Instant access to your funds

• Zero withdrawal delays

• No account freezes or holds

• Complete financial sovereignty

• No counterparty risk

You're not a customer begging for access to your money. You're an independent merchant operating on decentralized infrastructure.

LUSD: Stablecoin Payments Without Volatility

Crypto volatility keeps merchants up at night. Accept Bitcoin at $60K, check your wallet at $45K.

Larecoin solves this with LUSD integration: a decentralized stablecoin that maintains dollar parity without centralized control.

Accept payments in LARE. Convert to LUSD instantly. No volatility exposure. No third-party stablecoin issuer controlling your funds.

NOWPayments and CoinPayments offer stablecoin support: but you're paying conversion fees, withdrawal fees, and trusting centralized stablecoin providers.

LUSD offers:

• Dollar stability without centralized risk

• Instant, low-cost conversions on Solana

• Self-custody compatible

• DeFi integration for yield opportunities

NFT Receipts: The Future of Transaction Records

Every Larecoin transaction generates an NFT receipt. This isn't a gimmick: it's a revolutionary approach to record-keeping.

Traditional receipts are:

• Forgeable

• Losable

• Centrally controlled

• Limited in functionality

NFT receipts are:

• Cryptographically verified

• Permanently stored on-chain

• Tamper-proof

• Programmable with smart contract logic

• Tradeable or transferable if needed

Imagine warranty claims backed by immutable NFT receipts. Expense reporting with blockchain verification. Customer loyalty programs tied to verifiable purchase history.

NOWPayments and CoinPayments give you a database entry. Larecoin gives you a blockchain-native proof of transaction that exists independently of any platform.

The Three-Year Cost Reality

Let's project real costs over three years processing $100,000 monthly:

NOWPayments: ~$28,000 in cumulative fees CoinPayments: ~$31,320 in cumulative fees Larecoin: ~$7,128 in cumulative gas costs

You save over $20,000 in three years.

That's not a rounding error. That's hiring a part-time employee. That's a marketing budget. That's reinvestment capital.

Percentage-based fees compound against you. Every dollar you process bleeds a fraction to the platform. Forever.

Gas fees remain flat. As your business grows, your fee burden doesn't.

Merchant Freedom vs Platform Dependency

NOWPayments and CoinPayments operate on traditional SaaS models. You're dependent on their infrastructure, their rules, their business continuity.

They can:

• Change fee structures anytime

• Freeze accounts without warning

• Shut down services in your region

• Sell or pivot the company

• Impose new compliance requirements

Larecoin operates on decentralized, open-source infrastructure. The protocol exists independently of any single company. Payments flow wallet-to-wallet regardless of Larecoin's corporate status.

True merchant independence means:

• No platform lock-in

• Censorship resistance

• Geographic freedom

• Long-term reliability

• Community governance

You're building on a protocol, not renting a service.

Who Should Choose What?

Choose NOWPayments if: You need maximum cryptocurrency variety and don't mind paying premium fees for that flexibility. You're okay with custodial arrangements.

Choose CoinPayments if: You're already using their ecosystem and integration complexity outweighs fee savings. You prioritize familiarity over innovation.

Choose Larecoin if: You want the lowest possible fees, self-custody, true merchant independence, and cutting-edge features like NFT receipts and LUSD integration. You're building for the long-term and value decentralization.

The Bottom Line

Fees matter. They compound. They scale with your success.

NOWPayments and CoinPayments charge percentages because that's how traditional payment processors make money. The more you succeed, the more they profit.

Larecoin charges gas costs because that's the actual cost of blockchain transactions. No markup. No platform cut. No hidden fees.

50-80% savings isn't marketing speak. It's math.

Ready to see what you'd save? Check out our ultimate guide to Web3 global payments for deeper breakdowns.

Your revenue belongs in your wallet: not on someone else's balance sheet.

Make the switch to Larecoin.