NOWPayments vs CoinPayments vs Larecoin: Which Web3 Global Payments Solution Actually Saves You Money?

Let's cut to the chase.

You're bleeding money on payment processing fees. Every. Single. Transaction.

Legacy payment rails? They're eating 2-4% of your revenue. Crypto payment gateways promise relief. But which one actually delivers?

We're breaking down three major players: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which Web3 global payments solution keeps more money in your pocket.

The Fee Problem Nobody Wants to Talk About

Traditional interchange fees are a racket. Card networks, banks, and payment processors all take their cut. Merchants get squeezed.

Crypto was supposed to fix this.

But here's the dirty secret: many crypto payment processors have built the same extractive models. Different technology. Same old greed.

Let's see who's actually different.

NOWPayments: The Volume Play

NOWPayments has been around since 2019. Solid reputation. Clean interface.

The Fee Structure:

• Base transaction fee: 0.5% (no conversion)

• With currency conversion: 1% total

• Fiat currency payments: 1.5-2.3%

• Supports 300+ cryptocurrencies

Volume Discounts:

• 0.45% at 50+ BTC monthly turnover

• 0.4% at 100+ BTC monthly turnover

The good? Volume discounts reward growth. Decent crypto selection.

The bad? You need serious volume before those discounts kick in. Small and mid-sized merchants get stuck at 0.5%. Fiat conversions hit 2.3% at the high end.

And here's the kicker: you don't hold your keys. NOWPayments processes through their infrastructure. Custodial model.

CoinPayments: The OG Gateway

CoinPayments launched in 2013. One of the first crypto payment processors.

The Fee Structure:

• Base transaction fee: 0.5%

• Network fees apply on conversions

• New coins added weekly

Similar base rate to NOWPayments. But no clear volume discount structure in their public documentation.

The conversion fee situation is murky. Network fees fluctuate. During high-congestion periods, you could pay significantly more than expected.

Same custodial concerns apply. You're trusting a third party with your funds.

Larecoin: The Receivables Revolution

Now let's talk about something fundamentally different.

Larecoin isn't just another payment processor. It's a complete receivables ecosystem built for merchants who want control.

The Core Advantage:

• Slashes interchange fees by 50% compared to legacy systems

• Self-custody through the Larecoin Smart Wallet

• NFT receipts for automated tax and accounting

• QR-generated POS system

Let's break down what makes this architecture different.

The LARE Ecosystem: More Than a Token

Larecoin operates as a receivables token. This isn't just branding. It's functional design.

The Ecosystem Components:

• LARE: The core receivables token

• LUSD: Stablecoin version for merchants who want price stability

• LarePAY: Payment processing layer

• LareBlocks: Settlement infrastructure

When a customer pays, funds move through LarePAY. Settlement happens on LareBlocks. You receive LARE or LUSD directly into your self-custody wallet.

No intermediary holding your money. No custodial risk. No withdrawal delays.

The 50% interchange fee reduction isn't marketing fluff. It's architectural efficiency. Fewer middlemen = lower costs.

Self-Custody: Why It Actually Matters

Here's what most crypto payment comparisons miss.

With NOWPayments and CoinPayments, you're still operating in a custodial model. They process. They hold. They release.

Sound familiar? That's the same trust model as traditional payment processors. Just with cryptocurrency.

The Larecoin Smart Wallet changes this equation.

What Self-Custody Delivers:

• Instant access to funds

• No withdrawal approval processes

• Full ownership of private keys

• Protection from platform insolvency

• No account freezes or holds

Your money. Your keys. Your control.

In an industry that's seen multiple exchange collapses, self-custody isn't paranoia. It's prudent risk management.

NFT Receipts: Tax Season Just Got Easier

This is where Larecoin gets genuinely innovative.

Every transaction generates an NFT receipt. On-chain. Immutable. Timestamped.

Why This Matters for Your Business:

• Automated Record-Keeping: Every sale documented on-chain

• Tax Compliance: Auditable transaction history

• Accounting Integration: Export-ready financial records

• Dispute Resolution: Cryptographic proof of purchase

No more spreadsheet chaos. No more hunting for transaction records during tax season.

Your accountant will actually thank you. (Rare occurrence. Cherish it.)

The NFT receipt isn't just a gimmick. It's infrastructure for compliant business operations in Web3.

QR-Generated POS: In-Person Payments Simplified

Online payments are one thing. What about brick-and-mortar?

Larecoin's QR-generated POS system handles physical retail.

How It Works:

1. Generate a dynamic QR code for the transaction amount

2. Customer scans with their wallet

3. Payment confirms in seconds

4. NFT receipt auto-generates

No expensive POS hardware. No monthly terminal fees. No integration nightmares.

Your smartphone becomes your payment terminal. Start accepting crypto payments in minutes, not weeks.

The Real Comparison: Fee Breakdown

Let's put hard numbers on this.

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5%	50% lower than legacy
Conversion Fee	1%	0.5% + network	Built-in with LUSD
Volume Discounts	Yes (50+ BTC)	Not specified	Flat low rates
Custody Model	Custodial	Custodial	Self-custody
NFT Receipts	No	No	Yes
QR POS	Limited	Limited	Native
Stablecoin Option	Third-party	Third-party	LUSD native

The pattern is clear.

NOWPayments and CoinPayments compete on the same playing field. Similar fees. Similar custody models. Incremental differences.

Larecoin plays a different game entirely.

The Hidden Costs of Custodial Solutions

Fees aren't the only cost metric.

Custodial platforms carry hidden costs:

• Counterparty Risk: Platform failure = your funds at risk

• Withdrawal Delays: Cash flow disruption

• Account Freezes: Arbitrary holds on your revenue

• Compliance Demands: KYC/AML friction at their discretion

These costs don't show up in fee schedules. But they impact your bottom line.

Self-custody eliminates all of them.

Who Should Use What?

Choose NOWPayments if:

• You process 50+ BTC monthly

• You need 300+ coin support

• You're comfortable with custodial models

Choose CoinPayments if:

• You want the most established player

• Brand recognition matters for your customers

• You prioritize wide altcoin selection

Choose Larecoin if:

• You want maximum fee savings

• Self-custody is non-negotiable

• You need built-in tax/accounting features

• You operate physical retail locations

• You want a complete ecosystem, not just a gateway

The Verdict

NOWPayments and CoinPayments are fine. Functional. Reliable.

But they're iterations on an old model. Crypto rails with Web2 thinking.

Larecoin represents what Web3 payments should actually look like. Lower fees. True ownership. Built-in compliance tools. Unified ecosystem.

The question isn't which gateway has the lowest percentage point fee.

The question is: Do you want a payment processor or a financial infrastructure upgrade?

Ready to slash your interchange fees by 50%?

Explore the Larecoin ecosystem and see what real Web3 payments look like.