NOWPayments vs. CoinPayments vs. Larecoin: Which Gives You NFT Receipts, LUSD Benefits, AND 50% Fee Savings?

The Web3 Payment Processor Trap

You're paying 0.5-1% per transaction. Plus network fees. Plus withdrawal charges. Plus conversion costs.

That's the reality with NOWPayments and CoinPayments.

Meanwhile, Larecoin operates on zero platform fees. Only pennies in Solana gas costs.

But here's the kicker: Larecoin is the only processor giving you NFT receipts, native LUSD stablecoin benefits, AND 50-80% fee savings compared to legacy crypto payment gateways.

Let's break down why these three features matter, and why two out of three processors don't offer them.

The Fee Structure Reality Check

NOWPayments: 0.5-1% transaction fee + blockchain network fees + withdrawal penalties + currency conversion charges.

CoinPayments: Same 0.5-1% fee + network fees + withdrawal costs + conversion spreads.

Larecoin: 0% platform fee. Zero. Only Solana gas costs (literally pennies).

At $500K annual processing volume, NOWPayments and CoinPayments extract $2,500-$5,000 in fees. Larecoin? Under $2,000. That's 50-60% savings right there.

Scale up to $5M annually. NOWPayments and CoinPayments charge around $25,000. Larecoin charges approximately $5,000. That's 80% savings.

The math doesn't lie.

Feature Breakdown: What You Actually Get

Here's where it gets interesting. Fees are just the start.

Feature	NOWPayments	CoinPayments	Larecoin
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Self-Custody	Partial	Partial	Full
Platform Fee	0.5-1%	0.5-1%	0%
Transaction Speed	Minutes	Minutes	Seconds
Blockchain	Multiple	Multiple	Solana
US Compliance	Basic	Basic	MSB + State MTL

Two processors give you basic crypto payments. One processor gives you a complete Web3 financial ecosystem.

NFT Receipts: The Feature Nobody Else Offers

Every transaction on Larecoin generates an NFT receipt. Automatically.

Why does this matter?

Proof of Payment: Immutable, blockchain-verified receipt. No disputes. No chargebacks.

Collectible Value: Your transaction history becomes digital art. Limited editions. Potential appreciation.

Loyalty Rewards: Merchants can embed rewards directly into receipt NFTs. Instant loyalty programs.

Tax Documentation: Every transaction is permanently recorded on-chain. Perfect for accounting.

NOWPayments? Plain transaction confirmations. CoinPayments? Email receipts. Larecoin? Verifiable NFT proof minted on Solana.

This isn't just a feature. It's a fundamental rethinking of what a payment receipt can be.

LUSD: Your Native Stablecoin Advantage

Larecoin isn't just a payment gateway. It's a complete ecosystem with LUSD: the native stablecoin.

Zero Conversion Spreads: Accept crypto, settle in LUSD. No hidden conversion fees eating your margins.

Price Stability: Customers pay in volatile crypto. You receive stable value. Best of both worlds.

Instant Liquidity: LUSD integrates directly with Larecoin's ecosystem. No waiting for withdrawals.

DeFi Integration: Stake LUSD. Earn yield. Put idle payment balances to work.

NOWPayments and CoinPayments force you to convert through third-party stablecoins. Extra fees. Extra steps. Extra friction.

Larecoin's LUSD is built into the payment flow. Seamless. Native. Integrated.

Self-Custody: Your Keys, Your Crypto

Here's the uncomfortable truth about NOWPayments and CoinPayments: partial custody.

They hold your funds. You request withdrawals. They process (or delay) them. You pay withdrawal fees.

Larecoin operates differently.

Full self-custody from transaction to settlement. Your wallet. Your keys. Your control.

The payment flows directly from customer to merchant wallet. No intermediary holding period. No withdrawal queues. No "processing" delays.

This is what Web3 was supposed to be. True peer-to-peer value transfer.

Most crypto payment processors just recreated the banking system with cryptocurrency. Larecoin actually delivers decentralization.

US Compliance: The Boring (But Critical) Advantage

Nobody talks about regulatory compliance in comparison posts. Too boring.

But it's the difference between building a business and building a legal liability.

Larecoin maintains rigorous US compliance: Money Services Business (MSB) registration + state Money Transmitter License (MTL) strategy.

This matters because:

• You can legally operate in all 50 states

• Your customers are protected under US financial regulations

• Your business avoids regulatory shutdown risk

• Banks will actually work with you

NOWPayments and CoinPayments offer "basic" compliance. Fine for hobbyists. Risky for serious businesses.

Larecoin built compliance into the foundation. Boring? Yes. Essential? Absolutely.

The 36-Month Savings Calculator

Let's run real numbers. $100K monthly processing volume over three years.

Total processing: $3.6M

NOWPayments/CoinPayments fees: $28,000-$31,000 Larecoin fees: ~$7,000

Your savings: $21,000-$24,000 over 36 months.

That's not counting:

• NFT receipt value generation

• LUSD staking yields on balances

• Self-custody eliminating withdrawal fees

• Faster settlement reducing opportunity costs

The fee savings alone pay for an entire marketing campaign. Or a new hire. Or reinvestment into product development.

Speed Matters: Seconds vs. Minutes

Transaction confirmation times:

NOWPayments: 3-15 minutes depending on blockchain CoinPayments: 3-20 minutes depending on network congestion Larecoin: 1-3 seconds on Solana

Speed isn't just convenience. It's conversion rate optimization.

Customers abandon slow checkout flows. Three minutes feels like forever in e-commerce.

Larecoin's Solana-based settlement delivers near-instant confirmation. Customer sees success. Transaction completes. Everyone moves on.

Faster payments = better customer experience = higher conversion rates = more revenue.

The Larecoin Ecosystem Advantage

NOWPayments and CoinPayments are payment gateways. Period.

Larecoin is an entire Web3 financial ecosystem:

• Payment processing (obviously)

• NFT marketplace integration

• DeFi yield opportunities with LUSD

• Push-to-card functionality

• Metaverse payment rails

• Cross-chain bridging capabilities

One login. One dashboard. Complete financial infrastructure.

You're not just choosing a payment processor. You're choosing which Web3 ecosystem to build on.

Who Should Choose What?

Choose NOWPayments if: You need multi-chain support and don't mind paying 0.5-1% fees forever.

Choose CoinPayments if: You want a legacy crypto gateway with broad cryptocurrency acceptance and partial custody is acceptable.

Choose Larecoin if: You want 50-80% fee savings, NFT receipts, LUSD benefits, full self-custody, rigorous US compliance, and access to a complete Web3 financial ecosystem.

The choice is obvious for anyone building a serious Web3 business.

Your Next Step

Check out Larecoin's complete fee breakdown and ecosystem features at larecoin.com.

Compare your current processing costs. Calculate your potential savings. See what 0% platform fees actually mean for your bottom line.

The Web3 payment revolution isn't coming. It's already here. The question is whether you're paying yesterday's fees or building with tomorrow's infrastructure.

Ready to cut your payment processing fees in half while gaining NFT receipts and full self-custody?

Larecoin isn't just cheaper. It's better. And the numbers prove it.