NOWPayments Vs CoinPayments Vs Larecoin: Which Web3 Global Payments Solution Actually Slashes Your Fees?

Transaction fees are silently draining your revenue.

Every swipe. Every checkout. Every international sale.

Traditional payment processors take 2.5% to 3.5% per transaction. That's brutal for any merchant trying to scale.

Web3 payment solutions promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Real fees. Real features. Real talk.

The Fee Problem Nobody Wants to Discuss

Merchant interchange fees are eating businesses alive.

Processing $100,000 in monthly sales? You're handing over $2,500 to $3,500 just in fees. Every month. Forever.

Crypto payment gateways emerged as the solution. Lower fees. No chargebacks. Global reach.

But not all Web3 payment solutions are created equal.

Some still operate on custodial models. Others hide fees in conversion rates. A few genuinely slash your costs.

Time to separate hype from reality.

NOWPayments: The 0.5% Promise

NOWPayments positions itself as a NOWPayments alternative to legacy processors.

The Fee Structure:

• Base rate: 0.5% without conversion

• With conversion: 1%

• Volume discounts available at 50 BTC+ monthly

• Maximum fee caps at 1%

What Works:

• Supports 300+ cryptocurrencies

• Non-custodial model

• Immediate withdrawal options

• Transparent pricing

What Doesn't:

• Still requires conversion for most merchants

• Limited fiat off-ramp options

• No native stablecoin solution

• Basic accounting integration

NOWPayments works for businesses already comfortable with crypto volatility. But most merchants need stability.

CoinPayments: The Cryptocurrency Giant

CoinPayments goes wide. Really wide.

Over 2,000 cryptocurrencies and stablecoins supported. Global reach emphasized.

The Reality Check:

• Fee structure less transparent than competitors

• Higher fees for certain operations

• Custodial model (they hold your funds temporarily)

• International focus comes with complexity

The Good:

• Massive cryptocurrency selection

• Established reputation

• Multi-language support

• Shopping cart plugins available

The Concerns:

• Custodial = counterparty risk

• Fees can stack up quickly

• No self-custody merchant accounts

• Traditional accounting nightmares

For merchants wanting maximum crypto variety? CoinPayments delivers.

For merchants prioritizing fee reduction and financial sovereignty? Keep reading.

Larecoin: The Web3 Native Approach

Here's where things get interesting.

Larecoin wasn't built to compete with legacy payment processors.

It was built to replace them entirely.

The Core Difference:

Larecoin operates as a complete Web3 global payments ecosystem. Not just a payment gateway. An entire financial infrastructure.

Fee Structure That Actually Slashes Costs:

• Up to 50%+ reduction in merchant interchange fees

• Gas-only transfers on supported chains

• No hidden conversion fees

• Push-to-card functionality

The LUSD Stablecoin Advantage:

Volatility kills merchant adoption. Larecoin solved this.

LUSD stablecoin benefits include:

• Price stability for everyday transactions

• Seamless conversion without spread manipulation

• Native integration across the ecosystem

• No third-party stablecoin dependencies

Self-Custody: Why It Matters More Than You Think

Here's the uncomfortable truth about custodial payment processors.

When they hold your money, it's not really your money.

Exchange collapses. Regulatory seizures. Account freezes. We've seen it all.

Larecoin's Self-Custody Merchant Accounts:

• You control your private keys

• Funds flow directly to your wallet

• No counterparty risk

• Bank-free business operations

This isn't just about security. It's about financial sovereignty.

Small businesses shouldn't need permission to access their own revenue.

NFT Receipts: The Accounting Revolution

Traditional receipts are paper trails that go cold.

NFT receipts for accounting change everything.

How It Works:

• Every transaction mints a verifiable receipt on-chain

• Permanent, immutable record

• Automatic categorization possible

• Audit-ready documentation

For Merchants:

• Simplified bookkeeping

• Reduced accounting software costs

• Real-time financial visibility

• Tax preparation streamlined

For Customers:

• Proof of purchase that can't be disputed

• Digital warranty tracking

• Easy expense reporting

• Portable transaction history

This is crypto POS system for small business functionality that legacy processors can't touch.

The Receivables Token Innovation

Traditional accounts receivable? Illiquid and frustrating.

Larecoin's receivables token approach tokenizes pending payments.

What This Enables:

• Liquidity for outstanding invoices

• Tradeable receivables on secondary markets

• Improved cash flow management

• Collateralization options for business loans

For businesses waiting 30, 60, or 90 days on invoice payments? Game-changing.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Base Transaction Fee	0.5% - 1%	Variable/Higher	Up to 50%+ savings
Custody Model	Non-custodial	Custodial	Self-custody
Stablecoin Integration	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Receivables Tokenization	No	No	Yes
Crypto POS System	Limited	Yes	Full integration
Bank-Free Operations	Partial	No	Complete
Gas-Only Transfers	No	No	Yes

Who Should Use What?

Choose NOWPayments if:

• You're crypto-native already

• Volume justifies their discount tiers

• Simple checkout integration is priority

• You're comfortable with multiple tools

Choose CoinPayments if:

• Maximum cryptocurrency variety matters

• You need established reputation

• International transactions dominate

• Custodial risk is acceptable

Choose Larecoin if:

• Reducing merchant fees is priority #1

• Self-custody is non-negotiable

• NFT receipts streamline your accounting

• You want complete bank-free business operations

• LUSD stablecoin benefits matter

• Global payments without borders

The Bottom Line on Web3 Global Payments

Every payment processor promises lower fees.

Few deliver.

NOWPayments offers competitive rates with solid non-custodial options. CoinPayments provides breadth at the cost of custody and transparency.

Larecoin represents what Web3 payments should have been from day one.

Native stablecoins. Self-custody. NFT receipts. Receivables tokenization. Gas-only transfers.

Not incremental improvements. Fundamental reimagining.

Ready to Slash Your Payment Processing Fees?

Stop paying legacy interchange rates.

Stop trusting custodial platforms with your revenue.

Stop managing accounting nightmares manually.

The merchant payment landscape is evolving. The question isn't whether you'll switch to Web3 payments.

It's which solution you'll trust with your business.

Explore the full Larecoin ecosystem and see what bank-free commerce actually looks like.

Your margins will thank you.