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

Let's cut straight to it.

You're bleeding money on payment processing fees. Traditional card processors eat 2.5-3.5% of every transaction. On $500,000 in annual volume, that's $12,500-$17,500 gone.

Web3 global payments promise relief. But which platform actually delivers?

We're breaking down NOWPayments vs CoinPayments vs Larecoin. Real numbers. Real differences. Real savings.

The Quick Fee Breakdown

Here's what you're actually paying:

Platform	Processing Fee	Annual Cost ($500k volume)
Traditional Card Processors	2.5-3.5%	~$12,500-$17,500
NOWPayments	0.5-1%	~$3,750
CoinPayments	0.5-1%	~$3,750
Larecoin	Gas-only transfers	Under $2,000

That's the headline. But the real story? It's in the details.

NOWPayments: The Established Player

NOWPayments has built a solid reputation.

What you get:

• 0.5% fee for single-currency transactions

• 1% fee for multi-currency conversions

• 0% withdrawal fees

• 300+ supported cryptocurrencies

• Web-based POS terminal

• Customizable network fee options

That last point matters. You can absorb gas costs, split them with customers, or pass them through entirely. Flexibility for optimizing checkout conversion.

Settlement speed: Around 5 minutes average.

The catch: NOWPayments holds your funds during processing. You're trusting a third party with your money. That's the custodial model. It works: until it doesn't.

For merchants processing serious volume, NOWPayments offers a legitimate NOWPayments alternative to traditional processors. But you're still paying someone to handle your money.

CoinPayments: The Veteran

CoinPayments launched in 2013. Longevity means something.

What you get:

• 0.5-1% processing fee

• 0% payout fees

• 2,000+ supported cryptocurrencies

• Established market presence

The downsides:

• No customizable network fee controls

• Variable processing speeds (minutes to hours)

• Custodial model: they hold your funds

CoinPayments wins on cryptocurrency variety. If your customers want to pay with obscure altcoins, CoinPayments probably supports them.

But that custodial structure? Same limitation as NOWPayments. Someone else controls your money during processing.

Larecoin: The Self-Custody Revolution

Here's where things get interesting.

Larecoin operates on a fundamentally different model. No middleman holding your funds. Direct merchant-to-customer transactions. Gas-only costs.

What you get:

• Full self-custody merchant accounts

• Gas-only transfer fees

• Near-instant settlement (sub-second on Solana)

• LUSD stablecoin integration

• NFT receipts for accounting

• Receivables token functionality

Annual cost on $500k volume: Under $2,000.

That's a 46% reduction compared to NOWPayments and CoinPayments. And over 85% savings versus traditional card processors.

The self-custody approach changes everything. Your funds go directly to your wallet. No intermediary. No waiting. No risk of platform lockouts.

Beyond Fees: What Actually Matters

Processing fees tell part of the story. Here's the rest.

Fund Control

NOWPayments & CoinPayments: Custodial. They hold your money during processing. You're trusting their security, their solvency, their compliance.

Larecoin: Full self-custody. Funds move directly to your wallet. You control access. Period.

For merchants who've watched crypto platforms collapse, self-custody isn't a feature. It's a requirement.

Settlement Speed

NOWPayments: ~5 minutes average CoinPayments: Minutes to hours (inconsistent) Larecoin: Sub-second on Solana

Speed matters for cash flow. It matters for reconciliation. It especially matters when you're scaling a crypto POS system for small business operations.

Cryptocurrency Support

NOWPayments: 300+ coins CoinPayments: 2,000+ coins Larecoin: Focused LUSD stablecoin integration

Different philosophies here.

CoinPayments maximizes variety. Every altcoin imaginable.

Larecoin optimizes for stability. LUSD stablecoin benefits include zero-volatility transactions. No price swings between checkout and settlement. What you charge is what you receive.

For merchants who want predictable revenue: not exposure to crypto volatility: that focus matters.

NFT Receipts: The Accounting Game-Changer

This is where Larecoin pulls ahead for business operations.

Traditional receipts? Paper or PDF. Stored somewhere. Maybe.

NFT receipts for accounting create permanent, verifiable, on-chain records of every transaction. Immutable proof. Instant auditing. Zero reconciliation headaches.

For businesses scaling into Web3 global payments, this isn't a gimmick. It's infrastructure.

Your accountant will thank you. Your auditor definitely will.

The Receivables Token Advantage

Larecoin introduces something neither competitor offers: the receivables token.

What does that mean practically?

Your pending payments become liquid assets. Not locked in processing limbo. Not waiting for settlement. Tokenized and usable.

This unlocks working capital without the traditional wait times. It's financial sovereignty for merchants who refuse to let payment processors dictate their cash flow.

Who Should Choose What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Customizable fee structures matter

• You're comfortable with custodial processing

• 5-minute settlement works for your operations

Choose CoinPayments if:

• Maximum cryptocurrency variety is priority

• Long-term platform stability matters

• You accept variable settlement times

• Custodial model doesn't concern you

Choose Larecoin if:

• Self-custody is non-negotiable

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

• Sub-second settlement improves your operations

• NFT receipts streamline your accounting

• LUSD stablecoin eliminates volatility risk

• Bank-free business operations align with your goals

The Real Cost Comparison

Let's run the math one more time.

Processing $500,000 annually:

Traditional processors: $12,500-$17,500 in fees NOWPayments/CoinPayments: ~$3,750 in fees Larecoin: Under $2,000 in fees

Switching from traditional to NOWPayments/CoinPayments saves you roughly $9,000-$14,000 annually.

Switching to Larecoin saves you an additional $1,750+ versus other crypto processors.

Scale those numbers. At $1 million volume, Larecoin's gas-only model saves over $3,500 compared to 0.5% fee competitors.

That's real money. Your money.

The Verdict

NOWPayments and CoinPayments offer legitimate CoinPayments alternative and NOWPayments alternative options to traditional payment processing. They cut fees significantly. They work.

But they're still middlemen. Still custodial. Still taking their cut.

Larecoin eliminates the middleman entirely.

Gas-only transfers. Self-custody. Instant settlement. NFT receipts. LUSD stability.

For merchants serious about financial sovereignty and maximum cost savings, the comparison is clear.

Ready to slash your payment processing costs? Explore what Larecoin can do for your business.

The future of Web3 global payments isn't about choosing the cheapest middleman.

It's about eliminating middlemen entirely.