NOWPayments Vs CoinPayments Vs Larecoin: Which Slashes Your Merchant Fees by 50%?

Your merchant fees are killing your margins.

Every transaction you process through NOWPayments or CoinPayments takes a bite. 0.5% here. 1% there. Network fees on top. Withdrawal penalties. Currency conversion costs.

It adds up fast.

But there's a different model. One that charges zero platform fees. One that cuts your annual costs by 50-80% depending on volume.

Let's break down the numbers.

The Fee Structure Breakdown

NOWPayments: 0.5-1% per transaction + network fees + withdrawal costs + conversion fees

CoinPayments: 0.5-1% per transaction + blockchain fees + conversion costs + withdrawal penalties

Larecoin: Gas-only model on Solana = $0.00025 per transaction (typically) + zero platform fees + zero withdrawal fees

The difference? Percentage-based versus flat-rate.

NOWPayments and CoinPayments scale their fees with your volume. Process more, pay more. That's their business model.

Larecoin's gas costs stay flat. Process $1,000 or $1 million. The transaction fee remains pennies.

Real Savings at $500K Annual Volume

Let's say you process $500,000 annually.

NOWPayments costs: $2,500-$5,000 (0.5-1% plus additional fees)

CoinPayments costs: $2,500-$5,000 (similar percentage structure)

Larecoin costs: Under $2,000 (gas-only, no percentage fees)

Savings: 50-60% compared to traditional crypto payment processors.

You're keeping an extra $3,000+ in your business every year. That's real money.

The $1.2M Processing Sweet Spot

Now scale up to $1.2 million annual volume.

NOWPayments: $9,000

CoinPayments: $6,000-$12,000

Larecoin: ~$2,000

Savings: 67-83% with Larecoin.

The gap widens. Dramatically.

This is where percentage-based fees destroy profitability. Your processing costs triple or quadruple. But your actual operational costs? They barely move.

Larecoin's gas fees don't care about your transaction size. Send $100 or $100,000. Same cost.

High-Volume Merchants: The $5M Scenario

Processing $5 million annually? Now we're talking serious savings.

NOWPayments: $25,000+

CoinPayments: $25,000+

Larecoin: ~$5,000

Savings: 50-80% annually.

That's $20,000+ staying in your business. Every single year.

For high-volume merchants, traditional crypto processors become another rent-seeking middleman. Taking a cut for infrastructure that costs pennies to operate.

Larecoin eliminates the middleman tax.

Why Percentage-Based Fees Are Broken

Traditional payment processors charge percentages because they can.

They built the infrastructure. They hold the keys. You pay or you don't get access.

But Web3 changed the game.

Blockchain transactions don't cost more based on transaction size. A $10 payment costs the same as a $10,000 payment on Solana. Same computational resources. Same network bandwidth.

Percentage-based fees are artificial scarcity.

Larecoin strips that away. You pay for network usage. Nothing else.

The Self-Custody Advantage

Here's what NOWPayments and CoinPayments don't tell you: you don't control your funds.

They custody your crypto. They set withdrawal rules. They can freeze accounts. They require KYC verification.

Larecoin uses self-custody architecture.

Your keys. Your crypto. Your control.

Payments settle directly to your wallet. No intermediary holds your funds. No one can freeze your account. No KYC gatekeeping for basic functionality.

Merchant independence matters. Especially when processing crypto.

NFT Receipts: Built-In Customer Loyalty

NOWPayments? Basic transaction receipts.

CoinPayments? Standard email confirmations.

Larecoin? Every payment generates an NFT receipt.

These aren't just digital paperwork. They're programmable customer engagement tools.

Offer discounts for repeat customers holding specific NFT receipts. Create VIP tiers based on purchase history. Enable customers to resell or trade receipts as proof of authenticity.

Your payment infrastructure becomes your loyalty program.

No additional platform fees. No integration headaches. Built directly into every transaction.

LUSD: Stablecoin Without Banking Dependencies

Market volatility kills crypto adoption for merchants.

Accept Bitcoin at $50K. Price drops to $45K before you can convert. You just lost 10% on that sale.

NOWPayments offers auto-conversion. But at a fee.

CoinPayments has stablecoin support. But with limited options and conversion costs.

Larecoin integrates LUSD (Liquidity USD) - a decentralized stablecoin.

No bank reserves. No regulated custodian risk. Just algorithmic stability backed by decentralized collateral.

Accept LUSD. Hold LUSD. Convert when you want. No forced conversion fees eating into margins.

The Solana Speed Factor

Transaction speed matters for customer experience.

NOWPayments processes multiple chains. Confirmation times vary. Sometimes fast. Sometimes 10+ minutes.

CoinPayments? Similar multi-chain delays depending on network congestion.

Larecoin runs on Solana.

400ms block times. Finality in seconds. Customers see confirmation instantly.

No awkward waiting at checkout. No abandoned carts from slow confirmations. Just fast, seamless payments that feel like traditional credit cards.

But with crypto rails. And fraction-of-a-penny fees.

Merchant Freedom in a Censorship-Heavy World

Payment processors love deplatforming merchants.

Wrong industry? Banned. Wrong political stance? Frozen. Wrong geographic location? Restricted.

NOWPayments and CoinPayments still operate within traditional fintech frameworks. They have compliance teams. They have blacklists. They answer to payment networks and banking partners.

Larecoin is permission-less infrastructure.

No one can deplatform you. No compliance committee reviews your business model. No banking partner forces policy changes.

If you can generate a wallet address, you can accept payments.

True merchant freedom means zero dependency on corporate approval.

The Hidden Costs Nobody Mentions

Beyond percentage fees, traditional processors hit you with:

Withdrawal penalties: Want your money? Pay a fee.

Currency conversion spreads: Converting crypto to fiat? They take a cut on exchange rates.

Monthly minimums: Some processors charge minimum fees regardless of volume.

Integration costs: Want custom features? Pay development fees or use limited plugins.

Account maintenance: Annual fees just to keep your merchant account active.

Larecoin charges none of these.

Withdraw anytime. No fee. Convert through decentralized exchanges at market rates. No monthly minimums. Open-source integration tools. Zero account maintenance costs.

The fee structure is transparent. Gas only. That's it.

Calculate Your Own Savings

Quick math for your business:

1. Take annual processing volume

2. Multiply by 0.005-0.01 (NOWPayments/CoinPayments fee range)

3. Compare to ~$2,000-$5,000 flat gas costs with Larecoin

4. That's your annual savings

The higher your volume, the more dramatic the difference.

At $10M annual processing? You're saving $45,000-$95,000 annually compared to traditional crypto processors.

That's not a rounding error. That's a salary. Or reinvestment capital. Or pure profit.

Who Wins With Larecoin?

High-volume merchants: The savings gap widens exponentially with scale.

International businesses: No currency conversion markups or geographic restrictions.

Crypto-native companies: Self-custody and decentralization matter for your customer base.

Merchants tired of deplatforming: Permission-less infrastructure means zero censorship risk.

Businesses wanting customer loyalty tools: NFT receipts create engagement without additional platforms.

The Bottom Line

NOWPayments and CoinPayments use the old playbook. Percentage-based fees. Custodial control. Traditional gatekeeping.

Larecoin built different infrastructure.

Gas-only costs. Self-custody. Permission-less access. NFT receipts. Decentralized stablecoins.

The result? 50-80% lower fees depending on volume.

That's not marketing spin. That's math.

Every transaction through NOWPayments or CoinPayments pays a percentage tax. Every transaction through Larecoin pays pennies in network gas.

The choice is yours. Keep paying the middleman tax. Or switch to infrastructure that charges for actual costs.

Your margins will thank you.

Ready to cut your merchant fees by half? Check out Larecoin's payment solutions and calculate your own savings.