NOWPayments vs CoinPayments vs Larecoin: Which Cuts Your Merchant Fees the Most in 2026?

Merchant fees are crushing online businesses.

If you're processing crypto payments through NOWPayments or CoinPayments, you're losing thousands: potentially tens of thousands: annually to percentage-based fees.

The math is simple. The solution is even simpler.

Larecoin cuts your fees by 50-80% compared to legacy crypto payment processors. Not through promotional rates. Not through volume discounts. Through a fundamentally different fee model.

Here's the breakdown.

The Fee Structure Showdown

Provider	Platform Fee	Additional Costs	Fee Model
NOWPayments	0.5-1% per transaction	Network fees, withdrawal fees, currency conversion	Percentage-based, custodial
CoinPayments	0.5-1% per transaction	Blockchain fees, conversion costs, withdrawal penalties	Percentage-based, custodial
Larecoin	Zero platform fees	Solana gas only (pennies)	Gas-only, self-custody

See the difference?

NOWPayments and CoinPayments take a slice of every transaction. Whether you process $100 or $100,000, they get their cut.

Larecoin charges zero platform fees. You pay only Solana network gas: typically under $0.01 per transaction.

Real-World Cost Examples: Where Your Money Actually Goes

Let's run the numbers across typical merchant volumes.

At $500,000 Annual Processing Volume

NOWPayments/CoinPayments: $2,500-$5,000 in fees Larecoin: Under $2,000 Your Savings: 50-60%

At $1 Million Annual Processing Volume

NOWPayments/CoinPayments: $5,000-$10,000 in fees Larecoin: Under $2,000 Your Savings: 67-83%

At $5 Million Annual Processing Volume

NOWPayments/CoinPayments: ~$25,000 in fees Larecoin: ~$5,000 Your Savings: 50-80%

The pattern is clear. The more you process, the more you save with Larecoin.

At enterprise scale: $1 million monthly: Larecoin generates $55,000-$115,000 in annual savings compared to traditional processors.

That's not revenue optimization. That's revenue transformation.

Why Larecoin's Model Crushes the Competition

The difference isn't incremental. It's structural.

NOWPayments and CoinPayments operate on a percentage-based custodial model. They hold your funds. They charge fees on every transaction. They scale their take with your growth.

Your success becomes their profit center.

Larecoin operates on a gas-only self-custody model. You control your funds. You pay only blockchain gas. Your growth doesn't increase your fees: it increases your freedom.

The Hidden Costs They Don't Advertise

Beyond the headline percentage, NOWPayments and CoinPayments hit you with:

• Withdrawal fees: Every time you move funds to your wallet

• Currency conversion charges: When customers pay in different tokens

• Network fees: Blockchain costs passed directly to you

• Minimum withdrawal amounts: Locking your capital in their system

• Processing delays: Holding periods before you access funds

Larecoin eliminates every one of these extraction points.

You receive payments directly to your self-custody wallet. No withdrawal fees. No holding periods. No conversion penalties. Just gas.

The Self-Custody Advantage

With NOWPayments and CoinPayments, you're not just paying fees. You're surrendering control.

Custodial processors hold your crypto. They decide when you can withdraw. They set minimum thresholds. They impose verification requirements. They control your business liquidity.

Larecoin gives you immediate, direct ownership. Payments hit your wallet in seconds. You control the private keys. You decide when to hold, spend, or convert. You maintain full financial sovereignty.

This isn't philosophical. It's practical.

When you need to pay suppliers, cover payroll, or move funds quickly, custodial delays cost money. Self-custody delivers instant access.

Volume Scaling: Where the Gap Widens

Here's where percentage-based fees become truly punishing.

Small merchants processing $50,000 annually might shrug at 1% fees. That's $500: annoying but manageable.

But scale changes everything.

At $500,000 annual volume, that 1% becomes $5,000. At $1 million, it's $10,000. At $10 million, you're handing over $100,000 to your payment processor.

Larecoin's gas-only model stays flat.

Whether you process $50,000 or $50 million, your fee structure doesn't change. You pay pennies per transaction regardless of transaction size.

This means your margins improve as you grow: not erode.

The 2026 Merchant Reality

Traditional payment rails charge 2-3% plus interchange fees. Crypto was supposed to fix this.

But NOWPayments and CoinPayments recreated the same extraction model in a new format. Different technology. Same fee structure.

Larecoin represents what crypto payments were supposed to be from the start:

• Borderless: Accept payments from anywhere

• Instant: Settle in seconds, not days

• Low-cost: Pay only network gas

• Self-sovereign: Control your own funds

• Transparent: No hidden fees or conversion penalties

The infrastructure is live. The ecosystem is growing. The savings are measurable.

Making the Switch

Migration from NOWPayments or CoinPayments to Larecoin takes minutes.

Step 1: Set up your Solana wallet (Phantom, Solflare, or any SPL-compatible wallet) Step 2: Generate your Larecoin payment address Step 3: Integrate the payment widget or API into your site Step 4: Start receiving payments with zero platform fees

No lengthy onboarding. No complex verification. No waiting periods.

Just immediate access to lower fees and self-custody control.

Want to keep your existing processor during testing? Run both simultaneously. Compare the fees over 30 days. The numbers will speak for themselves.

The Bottom Line

If you're processing under $100,000 annually: Larecoin saves you hundreds to thousands in fees.

If you're processing $500,000-$1 million annually: Larecoin saves you $3,000-$8,000+ yearly.

If you're processing over $1 million annually: Larecoin saves you $50,000-$100,000+ yearly.

These aren't projections. They're math.

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

The question isn't whether Larecoin cuts your fees more than NOWPayments or CoinPayments. The question is whether you're ready to keep the money you're currently giving away.

Ready to calculate your specific savings? Visit larecoin.com and run the numbers for your actual processing volume.

The difference is bigger than you think.