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

You're ready to accept crypto payments. Smart move.

Now the hard part. Choosing a payment processor that won't drain your profits.

NOWPayments and CoinPayments dominate the crypto payment space. Both offer solid solutions. But both use outdated fee structures that penalize growth.

Enter Larecoin. A Web3-native alternative built on Solana that flips the traditional payment model on its head.

No percentage fees. Just gas costs. Self-custody from day one.

Let's break down which platform actually serves small businesses best.

The Fee Structure Nobody Talks About

Traditional crypto payment processors charge 0.5-1% per transaction. Plus network fees. Plus conversion charges.

Sounds reasonable until you do the math.

Process $500K annually? You're paying $2,500-$5,000 in fees to NOWPayments or CoinPayments. Larecoin? Under $2,000. That's 50-60% savings.

Hit $1M in volume? Now you're looking at $5,000-$10,000 for traditional processors. Larecoin stays under $2,000. Savings jump to 67-83%.

Scale to $5M? CoinPayments and NOWPayments will take $25,000+ annually. Larecoin caps around $5,000-$6,000. You just saved 80%+ of your processing costs.

The difference? Larecoin charges zero percentage fees. Only Solana network gas costs apply. Typically pennies per transaction.

Percentage-based models punish success. The more you grow, the more you pay. Gas-only models remain flat regardless of volume.

Your success shouldn't cost more.

Custody: Who Actually Controls Your Money?

Here's where things get interesting.

NOWPayments and CoinPayments operate as custodians. Your funds sit in their wallets. You request withdrawals. They process them. Eventually.

Larecoin? Non-custodial from transaction one.

Funds hit your wallet instantly. No intermediary. No withdrawal requests. No waiting periods.

You maintain direct control of every satoshi. Immediate access. Complete sovereignty.

The custodial model creates three problems:

Regulatory overhead. Custodians face KYC/AML requirements. That burden passes to merchants through verification processes and account restrictions.

Counterparty risk. Your money lives in someone else's wallet. If they freeze accounts, face regulatory action, or shut down? You're stuck.

Slower access to capital. Withdrawal delays impact cash flow. Every hour your funds sit in a custodial wallet is an hour you can't deploy that capital.

Self-custody eliminates all three. You're not a customer. You're an independent operator on a decentralized network.

Settlement Speed: Minutes Matter

Larecoin settles in 2-3 minutes. Sub-second finality on Solana's network.

NOWPayments averages 5 minutes. Decent for most use cases.

CoinPayments? Minutes to hours depending on the blockchain involved.

Faster settlements improve working capital management. Less float risk. Better inventory turnover. Tighter cash flow control.

When you're running thin margins, those minutes add up to real money.

Feature Comparison: Payments vs Ecosystem

NOWPayments processes payments. That's it. Same with CoinPayments.

Nothing wrong with that. Some businesses only need basic payment processing.

Larecoin offers an integrated Web3 ecosystem:

• Decentralized exchange

• Liquidity pools for yield generation

• Smart wallet technology

• Contactless POS systems

• NFT marketplace with receipt functionality

• DAO governance for merchant voting

• Cross-chain bridge capabilities

NFT receipts create permanent, on-chain proof of purchase. Perfect for accounting, warranty tracking, and customer loyalty programs.

LUSD stablecoin integration eliminates volatility concerns. Accept crypto. Settle in stable value. No exposure to price swings.

Receivables tokens let you tokenize future cash flows. Access liquidity without traditional financing.

These aren't add-ons. They're native to the platform. Available to every merchant from day one.

Cryptocurrency Support: Breadth vs Utility

CoinPayments supports 2,000+ cryptocurrencies. Most in the industry.

NOWPayments offers 200+ options. Still impressive.

Larecoin focuses on Solana ecosystem assets with bridge capabilities.

Sounds limited? Consider this: 98% of crypto payments use Bitcoin, Ethereum, stablecoins, and top-20 altcoins. The other 1,998 coins CoinPayments supports? Negligible payment volume.

Larecoin covers the assets that matter. USDC, USDT, SOL, wrapped BTC and ETH, major DeFi tokens. Everything customers actually pay with.

The trade-off? Focused support for high-volume assets. Lightning-fast processing. Negligible fees.

Sometimes less really is more.

Which Platform Fits Your Business?

Under $50K annual processing: Traditional processors work fine. You're not processing enough volume for fees to significantly impact margins. Though self-custody and NFT features might appeal to Web3-native businesses.

$50K-$500K annual processing: Larecoin saves $1,000-$3,000 annually. Not massive. But you also get better custody, NFT receipts, and ecosystem features that traditional processors can't match.

$500K-$2M annual processing: Now we're talking. Larecoin saves $3,000-$10,000 per year. That's hiring budget. Marketing spend. Inventory expansion. Real money that impacts your bottom line.

$2M+ annual processing: Percentage fees become brutal at this scale. Larecoin's $15,000-$40,000+ annual savings is the only logical choice. High-volume merchants can't afford to donate that margin to payment processors.

The Bank-Free Business Model

Traditional payment processors still think in Web2 terms. Custodial accounts. Percentage fees. Gatekeepers between you and your money.

Larecoin operates on Web3 principles. Self-custody. Gas-only costs. Direct peer-to-peer settlement.

You're not requesting access to your funds. They're already yours.

You're not paying percentage fees that scale with success. You're paying network costs that remain flat.

You're not limited to payment processing. You've got DeFi tools, NFT capabilities, and governance rights.

Check out Larecoin's merchant solutions to see the full ecosystem in action. Or explore payment features that traditional processors can't touch.

The Bottom Line

NOWPayments and CoinPayments serve businesses that need broad cryptocurrency support and familiar custodial models.

Larecoin serves businesses that want to slash fees by 50-80%, maintain self-custody, and access Web3 features that turn payment processing into a competitive advantage.

For small businesses processing significant volume? The math is simple. Lower fees. Faster settlements. Better custody. More features.

The choice is yours. But your wallet will thank you for choosing wisely.

Ready to cut payment processing costs in half? Explore Larecoin and see what Web3 payments actually look like when built for merchants instead of middlemen.