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

Let's cut to the chase.

You're looking for a Web3 payment solution. You want lower fees. You want control. You want your money in your wallet: not sitting in some intermediary's account.

NOWPayments and CoinPayments are the usual suspects. They've been around. They work. But do they actually save you serious money?

That's the real question.

And when Larecoin enters the conversation? The math changes completely.

The Real Cost of Web3 Payment Processing

Traditional card processing eats 2.5% of every transaction. Minimum.

That's brutal for merchants.

You sell $500K annually? You're handing over $12,500 just to accept payments. Scale to $5 million? That's $125,000 gone.

Web3 payments promise relief. Lower fees. Faster settlement. No chargebacks.

But not all crypto payment processors deliver equal value.

Fee Breakdown: The Numbers That Matter

Here's what you're actually paying with each platform:

Platform	Processing Fee	$500K Annual Cost	$5M Annual Cost
Traditional Card	2.5%	$12,500	$125,000
NOWPayments	~0.75%	$3,750	$37,500
CoinPayments	~0.75%	$3,750	$37,500
Larecoin	Gas-only	Significantly lower	$50K+ savings

Both NOWPayments and CoinPayments charge between 0.5-1% per transaction. Standard rates. Nothing special.

Larecoin? Different approach entirely.

Gas-only transfers through LUSD stablecoin integration mean you're not paying percentage-based fees on every sale. At $5 million volume, merchants recover $50,000+ annually compared to competitors.

That's not marketing fluff. That's recovered revenue.

NOWPayments: What You're Getting

NOWPayments supports hundreds of cryptocurrencies. Solid API. Decent documentation.

The good:

• Customizable network fee options

• You control who absorbs gas costs

• Non-custodial option available

The catch:

• Still holds funds as intermediary before release

• Even "non-custodial" involves third-party processing

• Settlement averages ~5 minutes

NOWPayments works. But you're still dealing with an intermediary sitting between you and your money.

For merchants who want true self-custody? That's a problem.

CoinPayments: The Veteran Player

CoinPayments has been around forever. Battle-tested. Reliable.

The good:

• Identical base fees to NOWPayments (~0.75%)

• Wide crypto support

• Established reputation

The catch:

• No customizable network fees

• Less control over customer experience

• Settlement ranges from minutes to hours

• Variable processing speed creates operational headaches

Same fee structure as NOWPayments. Fewer features. More unpredictable settlement.

Not exactly a compelling upgrade.

Larecoin: The Self-Custody Revolution

Here's where things get interesting.

Larecoin isn't just another crypto payment processor. It's a complete financial sovereignty solution built for merchants who refuse to depend on intermediaries.

Self-custody from transaction one. Funds transfer directly to your wallet. Immediately. No third party holds your money. Ever.

LUSD stablecoin integration. Lower gas fees than ETH-based stablecoins. Predictable value. No volatility stress.

Gas-only transfers. You pay network costs. That's it. No percentage-based processing fees eating your margins.

Near-instant settlement on Solana. While CoinPayments makes you wait hours, Larecoin settles in seconds.

The difference? You actually own your payments infrastructure.

The Hidden Costs Nobody Talks About

Base processing fees are just the beginning.

Settlement speed = working capital.

When CoinPayments holds your funds for hours, that's cash you can't use. Can't reinvest. Can't deploy.

NOWPayments averaging 5 minutes is better. But Larecoin's near-instant Solana settlement? Your money works for you immediately.

Accounting overhead adds up.

Traditional payment processors generate statements. You reconcile them manually. Tax season becomes a nightmare.

Larecoin generates NFT receipts for every transaction. Immutable. Timestamped. Automatically integrated with your accounting systems.

That's hours saved weekly. Thousands saved annually on bookkeeping.

NFT Receipts: The Accounting Game-Changer

Let's talk about NFT receipts for accounting.

Every Larecoin transaction mints an NFT receipt. On-chain. Permanent. Auditable.

Why this matters:

• Immutable proof of every transaction

• Automatic categorization

• Tax preparation simplified

• Dispute resolution made trivial

NOWPayments doesn't offer this. CoinPayments doesn't either.

You're getting standard transaction records. Maybe CSV exports. Nothing revolutionary.

Larecoin's NFT receipt system transforms payment processing into automated accounting infrastructure. One less thing to manage. One more way to reduce overhead.

Self-Custody: Why It Actually Matters

"Non-custodial" gets thrown around loosely.

NOWPayments offers a "non-custodial" option. But they still process transactions. Still touch your funds before release.

True self-custody means:

• Funds go directly to YOUR wallet

• No intermediary holds anything

• You control private keys

• Zero counterparty risk

Larecoin delivers actual self-custody merchant accounts. Your crypto. Your wallet. Your control.

No exchange hack wipes you out. No processor freeze locks your funds. No third-party terms of service dictates your business operations.

Financial sovereignty isn't just a buzzword here. It's the architecture.

The Global Payments Angle

Running a business across borders?

Traditional payments mean:

• Currency conversion fees

• International wire delays

• Banking hours restrictions

• Geographic limitations

Web3 payments eliminate most of this.

But Larecoin's receivables token takes it further. Turn future receivables into liquid assets. Maintain cash flow without traditional credit lines. Operate globally without bank dependencies.

This is bank-free business operations in practice.

Who Should Use What?

Choose NOWPayments if:

• You want wide crypto support

• Network fee customization matters

• You're okay with intermediary processing

Choose CoinPayments if:

• Brand recognition matters more than features

• You need established reputation

• Variable settlement times don't affect operations

Choose Larecoin if:

• Maximum fee savings matter

• Self-custody is non-negotiable

• NFT receipts solve your accounting headaches

• Near-instant settlement impacts cash flow

• You want to slash merchant interchange fees by 50%+

The Bottom Line

NOWPayments and CoinPayments do what they promise. Process crypto payments. Charge ~0.75%. Release funds eventually.

Larecoin does more.

Lower fees through gas-only transfers. True self-custody. NFT receipts for bulletproof accounting. Near-instant Solana settlement. LUSD stablecoin stability.

At $500K annual volume, you save thousands.

At $5 million, you recover $50,000+ compared to traditional processors.

The question isn't whether Web3 payments save money. They do.

The question is whether you're choosing a processor that maximizes those savings: or settling for "good enough."

Ready to Actually Save Money?

Explore how Larecoin's crypto payment solution slashes your fees while giving you complete control.

Check out our deep dives on NOWPayments vs Larecoin and CoinPayments vs Larecoin for even more details.

Your margins will thank you.