NOWPayments vs CoinPayments vs Larecoin: Which Is Better For Your Small Business?

Choosing a crypto payment processor shouldn't feel like rocket science.

But here we are. Hundreds of platforms. Confusing fee structures. Hidden costs everywhere.

Small business owners deserve better. You need clarity. You need savings. You need control.

Let's break down three major players in the crypto payments space. No fluff. Just facts.

The Fee Structure Battle

Here's where things get interesting.

NOWPayments and CoinPayments both use percentage-based pricing. They charge 0.5-1% per transaction. Plus network fees. Plus withdrawal fees. Plus conversion markups.

Those percentages add up fast.

Larecoin operates differently. Gas-only model. No platform markup. You pay Solana network costs only: about $0.00025 per transaction.

Real numbers at different scales:

Processing $100,000 annually? NOWPayments and CoinPayments cost $750-$1,000. Larecoin runs $300-$400. That's 50%+ savings right out the gate.

Hit $500,000 in volume? Traditional processors charge $2,500-$5,000. Larecoin stays under $2,000. You're saving 50-60% now.

Scale to $1,000,000+? The legacy platforms want $7,500-$10,000. Larecoin costs $3,000-$4,000. Over 60% in savings.

The gap widens as you grow. Percentage fees scale with your success. Gas fees don't.

Small business math that actually makes sense.

Settlement Speed Matters

Cash flow kills more businesses than competition ever will.

NOWPayments settles in roughly 5 minutes. Decent. CoinPayments takes minutes to hours: it varies. Less predictable.

Larecoin? Sub-second finality. Processing completes in 2-3 minutes.

But here's the real difference: self-custody architecture.

With Larecoin, you access funds instantly. No withdrawal restrictions. No minimum thresholds. No waiting periods.

Traditional processors impose limits. Minimum withdrawals. Maximum daily caps. Processing delays.

Your money. Your control. Immediately.

That's financial sovereignty in action.

Cryptocurrency Support: Quality Over Quantity

CoinPayments boasts 2,000+ cryptocurrencies. NOWPayments supports 200-300+. Larecoin focuses on the Solana ecosystem.

Sounds like a disadvantage, right?

Wrong.

Supporting thousands of tokens means spreading infrastructure thin. Update delays. Security compromises. Liquidity issues.

Larecoin's focused approach emphasizes coins with actual liquidity and user bases. Real trading volume. Reliable networks. Stable infrastructure.

Most small businesses accept 3-5 cryptocurrencies maximum anyway. Bitcoin. Ethereum. A few major stablecoins.

You don't need 2,000 options. You need the right options. Working flawlessly.

The Self-Custody Advantage

Let's talk about control.

NOWPayments and CoinPayments hold your funds. Custodial solutions. They manage your private keys. They control withdrawals.

Larecoin gives you self-custody. You hold the keys. You control the wallet. You make the decisions.

Why this matters:

No account freezes. No sudden policy changes. No platform bankruptcy risks.

Traditional payment processors can lock your account. Review transactions indefinitely. Hold funds for 90+ days.

Self-custody eliminates that risk entirely.

Your business. Your funds. Your timeline.

Revolutionary Features Nobody Else Has

Here's where Larecoin pulls ahead completely.

NFT Receipts for Accounting

Every transaction generates an NFT receipt. Immutable proof of purchase. Blockchain-verified records.

Tax season becomes simple. Every sale documented. Every transaction traceable. No more shoebox receipts.

Plus programmable loyalty rewards. Attach benefits directly to purchase NFTs. Automated customer rewards. Zero manual tracking.

Receivables Token System

Tokenize future payment streams. Get early liquidity access. No loans. No interest. No credit checks.

Convert pending payments into immediate working capital. Fund inventory. Cover payroll. Expand operations.

Traditional processors don't offer anything close.

The Technical Edge

Larecoin runs on Solana. Fastest blockchain for payments. Lowest fees. Highest throughput.

Processing 65,000 transactions per second. Transaction finality under 1 second. Network fees measured in fractions of a cent.

NOWPayments and CoinPayments support multiple chains. Sounds flexible. Actually creates complexity.

Different chains. Different speeds. Different fees. Variable costs. Unpredictable timing.

Larecoin's single-chain focus means consistency. Every transaction performs identically. Predictable costs. Reliable speed.

Small businesses need predictability. Not variables.

Global Reach Without Banking Infrastructure

Operating internationally? Traditional processors require local banking relationships. Multiple accounts. Currency conversion fees. Wire transfer costs.

Larecoin operates bank-free. Web3 global payments. One wallet. Any country. Instant settlement.

No correspondent banking fees. No SWIFT charges. No 3-5 day international transfers.

Pure peer-to-peer transactions. Merchant to customer. Directly.

This is financial inclusion in practice. Serve customers worldwide. Accept payments from anywhere. Without traditional banking infrastructure.

Integration and Ease of Use

NOWPayments offers robust API documentation. Enterprise-grade features. Complex setup.

CoinPayments provides maximum flexibility. Multiple integration options. Steep learning curve.

Larecoin delivers simple integration. Point-of-sale compatibility. Web plugins. Mobile solutions.

Built for small business owners. Not just developers.

Set up in minutes. Not weeks. Start accepting crypto payments today. Not next quarter.

Cost Comparison Across Time

Year one savings might seem modest. $500 here. $1,000 there.

Compound those savings over 5 years. Over 10 years.

Five-year projection at $250,000 annual volume:

NOWPayments/CoinPayments: $6,250-$12,500 in fees Larecoin: $1,500-$2,000 in fees

That's $10,000+ staying in your business. Reinvest in growth. Hire staff. Expand inventory.

Percentage fees are hidden taxes on success. Gas fees are predictable infrastructure costs.

Choose accordingly.

Security Considerations

All three platforms prioritize security. Encryption. Multi-factor authentication. Regular audits.

But custody creates risk.

Centralized platforms become targets. Hacks happen. Breaches occur. Funds disappear.

Self-custody distributes risk. No central honeypot. No single point of failure.

Your wallet. Your responsibility. Your security.

Many small business owners prefer that control.

Making Your Decision

Choose NOWPayments if:

• You need enterprise-level features

• You process extremely high volumes

• You require dedicated account management

• Cost isn't your primary concern

Choose CoinPayments if:

• You must accept 100+ cryptocurrencies

• You operate in niche crypto markets

• Maximum flexibility trumps simplicity

• You have technical staff for complex integrations

Choose Larecoin if:

• You want to reduce merchant interchange fees by 50%+

• You value self-custody merchant accounts

• You need NFT receipts for accounting

• You're building for long-term growth

• You want bank-free business operations

• You prioritize financial sovereignty

For most small businesses? Larecoin delivers unmatched value. Lower costs. Faster settlement. Revolutionary features.

The numbers speak for themselves.

Ready to Slash Your Payment Processing Fees?

Traditional crypto processors charge percentage fees forever. Those costs compound as you grow.

Larecoin's gas-only model scales with you. Not against you.

Every dollar saved on fees goes straight to your bottom line. More profit. More growth. More success.

Explore how Larecoin transforms crypto payments at larecoin.com.

Your business deserves better than percentage fees.