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

The Hidden Tax You're Paying Every Transaction

Merchant fees eat profits. Fast.

You're processing crypto payments. Your customers love it. But every transaction bleeds 0.5-1% to your payment processor. Plus withdrawal fees. Plus network fees. Plus currency conversion spreads.

It adds up faster than you think.

The Real Cost Breakdown: Where Your Money Goes

Traditional Web3 payment processors follow the old playbook. Charge percentage-based fees. Layer on withdrawal costs. Add conversion charges. Hold your keys.

Sound familiar?

Here's what you're actually paying:

Feature	NOWPayments	CoinPayments	Larecoin
Transaction Fee	0.5-1%	0.5-1%	Zero platform fees
Network Fees	Additional	Additional	Gas-only (Solana)
Withdrawal Fees	Charged	Charged	None
Currency Conversion	Additional charges	Conversion spreads	No conversion charges
Key Custody	Platform holds keys	Platform controls keys	Self-custody

The difference? Zero platform fees changes everything.

Real-World Savings: The Numbers Don't Lie

Let's talk actual dollars saved. Not theoretical. Not promotional fluff. Real money back in your business.

Processing $100,000 annually:

• NOWPayments/CoinPayments: $750–$1,000 in fees

• Larecoin: $300–$400 in gas costs

• Savings: 50%+ ($400-600 back)

Processing $500,000 annually:

• NOWPayments/CoinPayments: $2,500–$5,000 in fees

• Larecoin: $500–$2,000 in gas costs

• Savings: 60%+ ($1,500-3,000 back)

Processing $1.2 million annually:

• NOWPayments/CoinPayments: $6,000–$12,000 in fees

• Larecoin: ~$2,000 in gas costs

• Savings: 67-83% ($4,000-10,000 back)

Processing $5 million annually:

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

• Savings: 80%+ ($20,000+ back)

That's not a rounding error. That's working capital. Marketing budget. Hiring budget. Growth fuel.

Why the Gap Widens at Scale

Percentage-based fees compound with volume. Process more? Pay exponentially more.

Larecoin flips the script entirely.

Gas fees on Solana don't care about your transaction size. $100 costs the same as $100,000. Fraction of a cent per transaction.

Over 36 months processing $100,000 monthly:

• NOWPayments: ~$28,000

• CoinPayments: ~$31,320

• Larecoin: ~$7,128

That's $20,000-24,000 in savings. Same processing volume. Drastically different bottom line.

The Self-Custody Advantage Nobody Talks About

Here's what traditional processors don't advertise:

They hold your keys. They control your crypto. They decide when you withdraw. They charge you for access to your own money.

You're renting custody.

Larecoin operates differently. Self-custody merchant accounts mean you control your funds. Always. No withdrawal delays. No withdrawal fees. No permission needed.

Your crypto. Your wallet. Your timeline.

This isn't just about fees. It's about financial sovereignty. Bank-free business operations. No intermediary controlling cash flow.

NFT Receipts: The Accounting Game-Changer

Traditional payment processors send email receipts. Maybe generate CSV files. That's it.

Larecoin mints NFT receipts for every transaction.

Why does this matter?

Immutable transaction records. Blockchain-verified. Tamper-proof. Auditable forever. Your accountant will thank you.

Automated bookkeeping. Each NFT contains transaction metadata. Amount. Date. Merchant. Customer. Token type. All on-chain.

Tax compliance simplified. Need proof of a transaction from 18 months ago? Pull the NFT. Done. No digging through email archives or fragmented records.

Every transaction becomes a permanent, portable, verifiable record. That's powerful for businesses of any size.

LUSD Stablecoin: Stability Without Compromise

Crypto volatility scares merchants. Understandably.

You accept Bitcoin. Price drops 5% before you convert. You just lost 5% of that revenue.

NOWPayments and CoinPayments offer instant conversion. But at a cost. Conversion spreads eat another chunk of profit.

Larecoin supports LUSD stablecoin directly in the ecosystem.

Liquity USD maintains dollar peg without centralized control. No conversion fees. No spread. No volatility risk.

Accept LUSD. Hold LUSD. Spend LUSD. Dollar-stable. Fully decentralized.

Price protection without paying for it.

The Receivables Token: Unlock Cash Flow Instantly

Cash tied up in receivables? Standard business problem.

Larecoin introduces receivables tokens. Tokenize outstanding invoices. Trade them. Borrow against them. Convert them to instant liquidity.

Traditional payment processors can't offer this. They're transaction facilitators. Not liquidity solutions.

Receivables tokens transform your balance sheet. Pending payments become tradable assets. Working capital constraints disappear.

This is Web3 global payments infrastructure built for modern business needs.

Crypto POS System Built for Small Business Reality

Small business needs different than enterprise. Tighter margins. Simpler operations. Less technical resources.

Traditional crypto payment gateways require:

• Technical integration expertise

• Custom development work

• Ongoing maintenance

• Platform dependency

Larecoin's crypto POS system works differently.

Plug-and-play setup. No developers needed. No complex APIs. Connect and start accepting payments.

Multi-chain support. Accept payments across blockchains without separate integrations.

Gas-only transfers. Customers pay network fees directly. You receive full payment amount.

Small business friendly. Actually.

Global Reach Without Banking Infrastructure

Banking relationships block global growth. Especially for crypto-native businesses.

Traditional payment processors still require bank accounts. Verification processes. Regional restrictions. Currency conversion headaches.

Larecoin operates bank-free entirely.

Accept payments from anywhere. Send payments to anywhere. No intermediary banks. No SWIFT delays. No currency conversion limits.

True global payments infrastructure. Borderless by design.

Your customer in Jakarta pays exactly what your customer in Jakarta pays. No regional markup. No processing tiers.

The Migration Decision: When to Switch

Staying with NOWPayments or CoinPayments makes sense if:

• You process under $50,000 annually

• You need platform-managed custody

• You prefer centralized support systems

Switching to Larecoin makes sense if:

• You want to slash fees by 50-84%

• You value self-custody and financial sovereignty

• You need advanced features like NFT receipts and receivables tokens

• You're building for scale

The break-even point hits fast. Most merchants recoup migration effort within the first quarter.

Bottom Line: Follow the Money

Payment processing fees compound. Silently. Consistently. Indefinitely.

NOWPayments and CoinPayments follow traditional models. Percentage-based. Withdrawal fees. Conversion charges. Custodial control.

Larecoin eliminates platform fees entirely. Gas-only costs on Solana. Self-custody architecture. NFT receipt innovation. LUSD stability. Receivables tokenization.

The gap widens with every transaction.

Check your current processing volume. Run the numbers. Calculate three-year cost difference.

The savings speak louder than marketing copy.

Ready to reduce merchant interchange fees by 50%+? Explore Larecoin's Web3 global payments solution built for merchants who want to keep more of what they earn.

Your profits. Your custody. Your terms.