NOWPayments vs CoinPayments vs Larecoin: Which Web3 Global Payments Solution Actually Reduces Merchant Interchange Fees?

Every merchant gets hit with the same question when choosing a Web3 payment processor: which platform actually saves money?

Not theoretical savings. Real dollars.

Let's break down the actual costs across NOWPayments, CoinPayments, and Larecoin: because the differences are massive.

The Fee Trap Most Merchants Fall Into

Traditional crypto payment processors follow the old playbook. Percentage-based fees. Withdrawal penalties. Conversion charges.

Sound familiar?

NOWPayments charges:

• 0.5% per transaction (single currency)

• 1% for multi-currency payments

• 1.5-2.3% withdrawal fees

• Network fees on top

• Currency conversion costs

CoinPayments isn't much better:

• 0.5-1% transaction fees

• Blockchain network costs

• Withdrawal penalties

• Conversion charges layered on

These percentages seem small. Until you scale.

Real Math for Real Businesses

Let's talk actual numbers.

Process $100,000 monthly? That's $1.2M annually.

NOWPayments/CoinPayments annual cost: $6,000-$12,000

Larecoin annual cost: ~$2,000 in gas fees

The gap widens as you grow:

Annual Volume	NOWPayments/CoinPayments	Larecoin	Your Savings
$500K	$2,500–$5,000	Under $2,000	50–60%
$1M	$5,000–$10,000	Under $2,000	67–83%
$5M	~$25,000	~$5,000	50–80%

That's not a rounding error. That's rent money. Payroll. Growth capital.

Why Larecoin's Fee Structure Is Different

Larecoin doesn't charge platform fees. Zero.

The only cost? Solana gas fees. Fractions of a penny per transaction.

No percentage cuts. No withdrawal penalties. No custodial holds.

Here's the architectural difference:

Traditional processors sit between you and your money. They take their cut. They hold your funds. They charge you to access what's already yours.

Larecoin operates on Solana's blockchain. Self-custody model. Direct wallet-to-wallet transactions.

The blockchain charges gas. That's it.

No middleman markup. No percentage games. No hidden conversion fees.

The Self-Custody Advantage

NOWPayments and CoinPayments control your funds. They custody. They decide when you withdraw. They set the penalties.

Larecoin gives you direct control.

Your merchant wallet. Your keys. Your money.

Transactions settle instantly to wallets you control. No waiting periods. No withdrawal requests. No permission needed.

This isn't just about fees: it's about sovereignty.

NFT Receipts: The Accounting Game-Changer

Traditional crypto processors give you basic transaction records. CSV exports. Generic receipts.

Larecoin mints every transaction as an NFT receipt.

Why this matters:

• Immutable transaction records

• Built-in audit trail

• Automated accounting integration

• Tax compliance simplified

• No lost receipts, ever

Each NFT contains the full transaction metadata. Customer info. Product details. Timestamp. Amount.

Your accountant will thank you.

LUSD Stablecoin Integration

Crypto volatility kills merchant adoption. You sell a widget for $100. Bitcoin drops 5%. You lose money.

Larecoin solves this with LUSD stablecoin support.

Accept crypto. Settle in stable value. No conversion gymnastics.

NOWPayments and CoinPayments offer stablecoin options: but with their percentage fees applied. Every stablecoin transaction still costs 0.5-1%.

Larecoin? Same gas-only model. Stablecoins cost the same as any other token: practically nothing.

Global Reach Without Global Fees

Cross-border payments destroy margins on traditional platforms.

Currency conversion. International wire fees. Exchange rate markups.

All three platforms claim "global reach." Only one actually delivers it affordably.

NOWPayments/CoinPayments approach:

• Multi-currency support (with fees)

• Conversion costs for each switch

• Regional payment method integrations (more fees)

Larecoin approach:

• Native multi-chain support

• Borderless by design

• No conversion fees between cryptocurrencies

• Same low gas cost worldwide

A customer in Japan pays the same transaction cost as one in Brazil. No markup. No surprise fees.

Real Business Impact

Let's get practical.

You're a small business doing $50K monthly in sales. Traditional payment processors take 2-3% ($1,000-$1,500/month).

Switch to NOWPayments or CoinPayments? Save a bit. Maybe down to $250-$500 monthly.

Switch to Larecoin? Under $100 monthly in gas fees.

Annual savings: $4,800-$17,800

That's an employee. Marketing budget. Inventory expansion.

For larger operations processing $500K monthly, the savings exceed $50K annually.

The Technical Edge You Didn't Know You Needed

Both NOWPayments and CoinPayments offer APIs. Integration guides. Developer tools.

Larecoin goes further.

Built-in features:

• Receivables token system for B2B invoicing

• Push-to-card for instant fiat conversion

• Self-custody merchant accounts with full control

• NFT-based receipt system for compliance

• LUSD stablecoin for volatility protection

Check the developer resources for API documentation and integration guides.

What About Customer Experience?

Merchants care about fees. Customers care about simplicity.

NOWPayments and CoinPayments require customers to navigate their payment interfaces. Connect wallets. Confirm transactions through external processes.

Larecoin's Web3 payment infrastructure integrates directly into your checkout flow.

One-click crypto payments. Native wallet integration. No redirects. No friction.

Lower fees for you. Smoother experience for them.

The Bottom Line on Merchant Fees

NOWPayments: 0.5-1% + extras CoinPayments: 0.5-1% + extras Larecoin: Gas only (fractions of a cent)

The math isn't close.

Percentage-based fees scale with your success. The more you make, the more they take.

Gas fees stay constant. Process $10K or $10M: the transaction cost doesn't change.

Making the Switch

Migrating payment processors feels risky. We get it.

But here's the reality: every month you delay is money left on the table.

Starting is straightforward:

1. Set up your Larecoin merchant account

2. Generate API keys

3. Integrate with your existing checkout

4. Test transactions

5. Go live

Most merchants complete the switch in under a week.

Visit Larecoin Payments to start the setup process.

Who Should Choose What?

Choose NOWPayments/CoinPayments if:

• You're okay paying percentage fees

• Custodial solutions don't bother you

• You process low volume

Choose Larecoin if:

• You want 50-80% fee savings

• Self-custody matters

• You need NFT receipts for accounting

• Stablecoin settlement is important

• You're building for scale

The decision isn't complicated. It's math.

The Web3 Payments Future

Traditional processors built their models on Web2 economics. Middlemen. Percentage cuts. Custodial control.

Web3 changes the game. Direct transactions. Minimal costs. User sovereignty.

Larecoin operates in this new paradigm. Not because it's trendy: because the technology allows it.

When blockchain fees are measured in fractions of cents, percentage-based pricing doesn't make sense.

Check out more on reducing merchant interchange fees in our comprehensive guide.

Your Next Move

The platforms exist. The comparisons are clear. The savings are real.

Process payments cheaper. Control your funds directly. Scale without percentage penalties.

That's the Larecoin difference.

Ready to cut your payment processing costs by 50-80%?

Start at larecoin.com.