NOWPayments vs CoinPayments vs Larecoin: Which Slashes Your Merchant Fees the Most?

Merchant fees kill profit margins.

Every percentage point matters when you're processing thousands in crypto payments. NOWPayments and CoinPayments both promise "low fees." But do they actually deliver?

Let's rip apart the fee structures. See who's really saving merchants money.

The Raw Numbers: Who Charges What?

Here's what you're actually paying per transaction:

Provider	Platform Fee	Network Costs	Hidden Fees
Larecoin	0%	~$0.00025 (Solana gas)	None
NOWPayments	0.5–1%	Variable	Withdrawal fees, conversion spreads
CoinPayments	0.5–1%	Variable	Withdrawal fees, conversion spreads

Notice something?

Larecoin charges zero platform fees. Just Solana network gas. That's it.

The others? Percentage-based fees on every single transaction. Plus network costs. Plus withdrawal fees when you want your money.

Breaking Down NOWPayments' Fee Structure

NOWPayments advertises 0.5% fees. Sounds reasonable, right?

Not quite.

You're paying:

• 0.5–1% per transaction depending on volume

• Network fees for each blockchain (Bitcoin, Ethereum, etc.)

• Withdrawal fees when moving funds to your wallet

• Conversion spreads if you're exchanging crypto

That "low" 0.5% balloons fast. Especially at scale.

And here's the kicker: NOWPayments holds your funds. You're trusting a custodial service. Your crypto sits in their wallets until you withdraw it.

No self-custody. No merchant independence.

CoinPayments: Similar Story, Different Logo

CoinPayments follows the same playbook.

0.5% base fee. Sounds competitive until you start processing real volume.

Add in:

• Network transaction fees (varies by blockchain)

• 0.5% withdrawal fee to your wallet

• Currency conversion fees if you're swapping tokens

• Fiat conversion fees if you're cashing out

The math gets ugly. Quick.

Plus CoinPayments is custodial. They control your funds. You're requesting permission to access your own money.

That's not crypto freedom. That's traditional finance wearing a blockchain mask.

Larecoin: Gas-Only Model Changes Everything

Larecoin operates differently. Fundamentally.

Zero platform fees. Ever.

You pay Solana network gas. Currently around $0.00025 per transaction. That's a quarter of a cent.

No percentage cuts. No withdrawal fees. No conversion spreads.

Your crypto? Directly to your wallet. Self-custody from the first transaction.

You control your funds. Always. That's how crypto payments should work.

Plus Larecoin integrates LUSD: a stablecoin option for merchants who want price stability without sacrificing decentralization.

Real-World Savings: The Math That Matters

Let's run actual numbers. See where your money goes.

Processing $100,000 annually:

• NOWPayments/CoinPayments: $500–$1,000 in platform fees + network costs = $750–$1,000 total

• Larecoin: $0 platform fees + ~$300 Solana gas = $300 total

You save $450–$700 every year.

Processing $500,000 annually:

• NOWPayments/CoinPayments: $2,500–$5,000 in platform fees + network costs = $2,500–$5,000 total

• Larecoin: $0 platform fees + ~$1,500 Solana gas = $1,500 total

You save $1,000–$3,500 every year.

Processing $1.2 million annually:

• NOWPayments: $9,000+

• CoinPayments: $6,000–$12,000

• Larecoin: ~$2,000

You save $4,000–$10,000 every year.

Processing $5 million annually:

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000

You save $20,000+ every year.

The gap widens as you scale. Percentage-based fees compound. Gas fees stay flat.

The Hidden Cost of Custodial Services

Here's what payment processors don't advertise:

Risk exposure. When NOWPayments or CoinPayments hold your funds, you're trusting their security. Their compliance. Their business continuity.

Exchange hacks happen. Regulatory seizures happen. Platform failures happen.

Your crypto sitting in someone else's wallet? That's risk you don't need.

Larecoin eliminates this entirely. Payments go directly to your wallet. You hold the keys. You control the funds.

Self-custody isn't just a feature. It's merchant independence.

NFT Receipts: Proof of Payment That Works

Larecoin adds another layer NOWPayments and CoinPayments can't match.

NFT receipts for every transaction.

Each payment generates an immutable, verifiable receipt minted on Solana. Tamper-proof records. Instant verification. No disputes about payment history.

Your customers get crypto-native proof of purchase. You get ironclad transaction records.

Traditional payment processors charge extra for dispute resolution. Larecoin's NFT receipts eliminate disputes before they start.

Why Merchants Choose Gas-Only Over Percentage Fees

The choice is simple. Do you want to pay more as you grow?

Percentage-based fees punish success. The more you process, the more platforms take.

Larecoin's gas-only model scales with you, not against you. Process $100K or $10M: your fee structure stays consistent.

That's how merchant-first payment processing works.

Plus Solana's infrastructure means lightning-fast settlement. No waiting days for funds to clear. No arbitrary withdrawal limits.

Instant liquidity. Your revenue. Your control.

Decentralization Means Merchant Freedom

NOWPayments and CoinPayments are centralized platforms. They set the rules. They hold your funds. They can freeze accounts.

Larecoin operates on Solana: a decentralized network. No single point of failure. No central authority controlling your transactions.

This isn't just philosophical. It's practical.

Decentralized payments mean:

• No account freezes

• No arbitrary policy changes

• No platform risk

• No permission needed to access your money

You're running a business. Not asking for permission.

Learn more about merchant solutions here.

The Verdict: Gas Beats Percentages

The math is clear. Larecoin slashes merchant fees compared to NOWPayments and CoinPayments.

Zero platform fees. Minimal gas costs. Direct custody. NFT receipts. LUSD stability.

Traditional crypto payment processors are stuck in Web2 thinking. Take a cut of every transaction. Hold merchant funds. Charge withdrawal fees.

Larecoin is built for Web3. Decentralized architecture. Self-custody first. Merchant independence.

Your profit margins deserve better than percentage-based fees.

Ready to keep more of what you earn? Explore Larecoin's payment solutions.

The lowest fees in crypto payments aren't a promise. They're Solana gas costs plus zero.

That's the Larecoin difference.