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

Merchant fees add up fast.

Every transaction chips away at your margins. Traditional crypto payment processors like NOWPayments and CoinPayments charge percentage-based fees that scale with your success. The more you earn, the more they take.

That's the old model.

Larecoin flips it. Gas-only fees. Self-custody. Direct control. Zero percentage cuts.

Let's break down the numbers.

The Fee Structure Reality

Here's what you're actually paying:

Processor	Transaction Fee	Hidden Extras
NOWPayments	0.5% (single-currency) 1% (multi-currency)	Network fees, withdrawal fees, conversion spreads
CoinPayments	0.5–1% per transaction	Network fees, withdrawal charges, currency conversion costs
Larecoin	0%	Solana gas fees only (fractions of a penny)

Notice the pattern?

NOWPayments and CoinPayments take a slice of every sale. Then add network fees. Then charge withdrawal fees. Then hit you with conversion spreads if you switch between crypto assets.

Larecoin charges nothing except the actual cost of processing on Solana. No middleman markup. No percentage cuts. Just transparent blockchain fees that run pennies per transaction.

Real Numbers at Scale

Theory doesn't pay bills. Let's look at actual costs across different business sizes.

$100,000 Annual Processing Volume:

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

• Larecoin: $300–$400 in gas fees

• Your savings: 50%+ stays in your pocket

$500,000 Annual Volume:

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

• Larecoin: $500–$2,000 in gas fees

• Your savings: 60%+ retained

$1.2 Million Annual Volume:

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

• Larecoin: ~$2,000 in gas fees

• Your savings: 67–83% cost reduction

$5 Million Annual Volume:

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

• Larecoin: ~$5,000 in gas fees

• Your savings: 80%+ back to your business

The gap widens as you grow.

Percentage-based fees punish success. The bigger your business gets, the more you bleed to payment processors. Larecoin's gas-only model keeps costs relatively flat regardless of volume.

Why Percentage Fees Kill Growth

Traditional processors built their models around credit card rails. Take a cut of every transaction. It's familiar but devastating for crypto merchants.

Here's the problem:

Crypto eliminates intermediaries. That's the whole point. When you accept crypto through NOWPayments or CoinPayments, you're reintroducing the middleman you were trying to bypass.

They hold your funds. They set withdrawal limits. They control when and how you access your money.

That's not crypto. That's just PayPal with blockchain branding.

The Self-Custody Advantage

Larecoin gives you what crypto promised from day one: direct ownership.

Your wallet. Your keys. Your crypto. No custodian holding your funds hostage. No waiting for withdrawal approvals. No arbitrary account freezes.

When a customer pays with Larecoin or LUSD (our USDC-backed stablecoin), the funds hit your wallet instantly. You control them immediately. Want to swap to USDC? Do it. Want to hold LARE for potential appreciation? Your call. Want to convert to fiat through your preferred off-ramp? Go ahead.

This isn't just philosophical. It's practical merchant freedom.

NOWPayments and CoinPayments act as custodians. They aggregate funds, process batches, and release payments on their schedule. That creates timing risk, counterparty risk, and operational friction you don't need.

Larecoin built on Solana's infrastructure means sub-second finality. The transaction confirms before your customer closes their wallet. No chargebacks. No reversals. No "pending" limbo.

NFT Receipts: Proof That Actually Matters

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

Traditional crypto processors send email confirmations. Maybe a transaction hash. That's it. For accounting, warranty tracking, or proof of purchase, you're stuck with paper trails and manual reconciliation.

NFT receipts are on-chain proof. Immutable. Timestamped. Auditable forever.

Your customer buys a laptop? They get an NFT receipt with the exact timestamp, amount, and transaction details. That NFT lives in their wallet alongside the tokens they spent. For high-value purchases, limited editions, or warranty claims, this creates unforgeable proof of purchase.

For you as a merchant? Automated accounting. Every transaction lives on-chain with complete metadata. Reconciliation becomes trivial. Tax reporting gets easier. Audits become straightforward.

Plus, NFT receipts unlock future utility. Loyalty programs tied to purchase history. Exclusive access based on verified transactions. Resale markets that honor original purchase authenticity.

NOWPayments and CoinPayments don't offer this. They're stuck in Web2 thinking with Web3 rails.

LUSD: Stability Without Compromise

Price volatility scares merchants.

You sell a $500 item, receive crypto, and by the time you convert it, you've got $470. That's a loss you can't afford.

LUSD solves this.

Larecoin's stablecoin is backed 1:1 by USDC. You get dollar stability with Larecoin ecosystem benefits. Customers can pay in LUSD, you receive LUSD, and the value stays locked to the dollar.

No conversion fees to get stability. No waiting for batch conversions. No exposure to volatile crypto swings.

Want to hold LARE for potential upside? Accept mixed payments. Some customers pay in LARE, others in LUSD. You decide your exposure. You control the risk profile.

NOWPayments and CoinPayments require you to use their conversion services (with fees) or accept third-party stablecoins without ecosystem integration. Neither gives you the flexibility Larecoin offers.

Merchant Independence Is Non-Negotiable

Here's what really separates Larecoin from legacy processors:

Control. Not convenience. Control.

NOWPayments and CoinPayments are convenient. Setup is easy. Support exists. But you trade control for that convenience. They decide:

• When you can withdraw

• What fees they charge

• Which tokens they support

• How they custody your funds

• Whether they freeze your account

That's not a partnership. That's dependence.

Larecoin operates on Solana's permissionless network. Nobody can freeze your wallet. Nobody can prevent transactions. Nobody can seize your funds.

The code is the contract. The blockchain is the settlement layer. Your wallet is your bank.

This matters for merchants operating in uncertain regulatory environments. For businesses dealing with controversial products. For entrepreneurs tired of platform risk.

With NOWPayments or CoinPayments, you're one policy change away from losing access. One ToS update away from new fees. One compliance shift away from account suspension.

With Larecoin, you're sovereign.

The Real Cost Comparison

Let's bring this full circle with a concrete example.

You run an online store doing $2 million annually in crypto payments.

NOWPayments/CoinPayments Route:

• Transaction fees: $10,000–$20,000

• Withdrawal fees: $500–$2,000

• Conversion spreads: $1,000–$3,000

• Custodial risk: Immeasurable

• Total annual cost: $11,500–$25,000+

Larecoin Route:

• Transaction fees: $0

• Solana gas fees: $1,000–$2,000

• Withdrawal fees: $0 (you already own it)

• Conversion costs: Your choice of DEX (minimal)

• Custodial risk: Zero

• Total annual cost: $1,000–$3,000

The difference? $8,500–$22,000 saved annually.

That's not a rounding error. That's a salary. That's inventory investment. That's marketing budget. That's profit in your pocket instead of a processor's.

Making the Switch

Larecoin isn't asking you to trust us. We're asking you to trust yourself.

Keep your keys. Control your funds. Pay only network costs. Accept payments directly. Generate NFT receipts. Offer LUSD stability. Operate independently.

NOWPayments and CoinPayments serve a purpose for merchants wanting managed services. If you value convenience over control, they work fine.

But if you got into crypto for sovereignty, decentralization, and financial independence, Larecoin delivers what the others can't.

Lower fees are just the starting point. Self-custody, NFT receipts, LUSD integration, and merchant freedom define the real value.

Your business. Your crypto. Your future.

Ready to cut fees and take control? Larecoin runs on Solana. Setup takes minutes. No approval process. No verification delays. Just connect your wallet and start accepting payments.

The gas-only revolution starts now.