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

Merchant fees add up fast.

Every transaction chips away at your profits. NOWPayments and CoinPayments both claim low fees. But when you process thousands of transactions annually, those "low" percentages become substantial costs.

Larecoin eliminates platform fees entirely.

Let's break down the real numbers.

The Fee Structure Reality Check

NOWPayments charges 0.5–1% per transaction. CoinPayments operates in the same range. Both add network fees, withdrawal fees, and conversion spreads on top.

Larecoin? Zero percent platform fees.

You only pay Solana network gas costs. That's roughly $0.00025 per transaction. Not 0.25%. Not 25 cents. A quarter of a penny.

Here's the breakdown:

NOWPayments:

• Base fee: 0.5–1%

• Network fees: Variable

• Withdrawal penalties: Yes

• Conversion spreads: Applied

CoinPayments:

• Base fee: 0.5–1%

• Blockchain fees: Variable

• Withdrawal costs: Charged

• Conversion markup: Included

Larecoin:

• Platform fee: 0%

• Gas cost: ~$0.00025

• Withdrawal fees: None

• Self-custody: Direct to wallet

The difference isn't subtle.

What You Actually Save at Different Volumes

Math doesn't lie. Let's calculate real-world scenarios.

Processing $100K Annually

NOWPayments/CoinPayments: $900–$1,300 yearly fees

Larecoin: $300–$400 yearly

You save: 50–69%

That's an extra $500–$1,000 in your pocket. Not chump change for growing merchants.

Processing $1.2M Annually

NOWPayments: $11,000+ yearly

CoinPayments: $7,000–$14,000 yearly

Larecoin: ~$2,000 yearly

You save: 67–78%

Now we're talking serious money. $5,000–$9,000 saved annually. That's inventory. Marketing budget. New equipment.

Processing $5M Annually

NOWPayments/CoinPayments: $30,000–$60,000 yearly

Larecoin: ~$5,000 yearly

You save: 80%+

At scale, percentage fees become brutal. Larecoin's gas-only model scales with you: not against you.

Why Percentage Fees Are Merchant Killers

Traditional payment processors love percentage-based fees. They scale automatically as your business grows.

You get more successful. They take a bigger cut.

That's backwards.

NOWPayments and CoinPayments inherited this model from legacy finance. They control your funds. They charge withdrawal fees. They apply conversion spreads when you move between cryptos.

Every. Single. Time.

Larecoin flips this entirely. Self-custody settlement means funds hit your wallet directly. No withdrawal fees. No conversion markups. No platform controlling your money.

Your crypto. Your custody. Your freedom.

The gas costs on Solana remain pennies regardless of volume. Process $100 or $100,000: same low gas fee. The savings compound exponentially as you scale.

The Custodial Control Problem

Here's what NOWPayments and CoinPayments don't advertise:

They custody your funds.

You accept payment. It goes to their wallet. You request withdrawal. They process it (eventually). They charge you for the privilege.

This creates several problems:

1. Counterparty risk : Your funds sit in their system

2. Withdrawal delays : You can't access money instantly

3. Fee accumulation : Every move costs you

4. Control loss : They decide when and how you get paid

Larecoin operates fundamentally differently. Transactions settle directly to your wallet. No intermediary custody. No withdrawal requests. No waiting period.

Solana's speed means settlement in seconds. Not minutes. Not hours. Seconds.

True decentralized payments. Not crypto-flavored fintech.

LUSD: Stability Without Volatility Exposure

Merchants face a common crypto problem: volatility.

You accept payment Tuesday. Price drops Wednesday. Your margin evaporates.

Larecoin solves this with LUSD integration: a decentralized stablecoin pegged to USD. Accept crypto. Settle in stability. No conversion spreads. No custodial stablecoin risk.

NOWPayments and CoinPayments offer stablecoin options. But they charge conversion fees. And they custody those stablecoins in their systems.

Larecoin settles LUSD directly to your wallet. Zero conversion fees. Instant settlement. Self-custody stability.

Perfect for merchants who want crypto benefits without volatility exposure.

NFT Receipts: The Innovation Nobody Else Offers

Every transaction generates an NFT receipt.

Why does this matter?

Immutable proof of purchase. Customer disputes become simple. Receipt exists on-chain. Permanently. No "lost receipt" excuses.

Loyalty program integration. NFT receipts unlock reward tiers automatically. Gamify repeat purchases. Build customer retention.

Resale value. Limited edition products? The receipt itself gains collector value. Secondary markets emerge organically.

Web3 identity. Purchases build customer on-chain reputation. Future airdrops. Exclusive access. Community membership.

NOWPayments? Standard transaction records.

CoinPayments? Basic confirmation emails.

Larecoin? Programmable NFT receipts that extend far beyond simple payment proof.

This isn't a gimmick. It's infrastructure for Web3 commerce.

The Gas-Only Model Changes Everything

Solana gas costs average $0.00025 per transaction. That's consistent whether you're processing $10 or $10,000.

This fundamentally changes merchant economics.

Traditional model: Fees scale with revenue. Success = bigger bills.

Larecoin model: Fixed minimal gas cost. Success = exponential savings.

At $5M annual processing, you're saving $25,000–$55,000 compared to competitors. That's not fee reduction. That's profit transformation.

And Solana's throughput means you can process thousands of transactions daily without congestion or gas spikes. The network handles 65,000 TPS. Your volume won't strain it.

Compare this to Ethereum-based processors where gas can spike unpredictably. Or to custodial platforms that charge percentage fees regardless of network costs.

Larecoin passes actual costs to merchants. Nothing more. Nothing less.

Merchant Independence Matters

Crypto promised financial freedom. Most payment processors deliver fintech in crypto clothing.

Larecoin commits to true decentralization:

• No custody : Your keys, your crypto

• No withdrawal limits : Access funds anytime

• No approval required : Settle directly to wallet

• No conversion markups : Transparent costs only

• No platform lock-in : Pure blockchain transactions

This is merchant independence. Not just lower fees.

NOWPayments and CoinPayments require account approval. They review transactions. They can freeze accounts. They control fund flow.

Larecoin eliminates those chokepoints. You control your payment infrastructure completely.

The Scalability Factor

Here's the uncomfortable truth competitors don't mention:

Their fee models punish growth.

Double your revenue? Double their fees.

Larecoin's gas-only model scales differently. Process twice the volume? Same gas costs per transaction. Your marginal cost of acceptance decreases as volume increases.

This creates a compounding advantage over time. Early adoption means immediate savings. Continued growth means exponentially larger savings.

At $10M annual processing, you're potentially saving $75,000–$100,000 yearly compared to percentage-based processors.

That's not incremental improvement. That's business transformation.

Make the Switch

You've seen the numbers. 50–80% fee savings. Self-custody freedom. LUSD stability. NFT receipt innovation.

The choice is clear.

NOWPayments and CoinPayments offer crypto payment processing. Larecoin offers a decentralized commerce revolution.

Your business. Your custody. Your savings.

Start accepting Larecoin today at larecoin.com.

Gas-only fees. Maximum freedom. Zero compromise.

The future of merchant crypto payments doesn't include percentage fees. It starts with Larecoin.