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

Let's cut to the chase.

You're bleeding money on payment processing fees. Traditional processors? 2.5–3.5% per transaction. That's thousands of dollars walking out the door every month.

Web3 payment solutions promise to change that. But which one actually delivers?

Today, we're putting three major players head-to-head: NOWPayments, CoinPayments, and Larecoin. By the end, you'll know exactly which platform can slash your merchant interchange fees by 50% or more.

No fluff. Just facts.

The Merchant Fee Problem Nobody's Talking About

Here's the reality.

Every time a customer swipes a card, you lose money. Interchange fees. Processing fees. Gateway fees. It adds up fast.

For small businesses processing $50,000 monthly? That's potentially $1,500+ in fees alone.

Web3 global payments were supposed to fix this. Decentralized. Low-cost. Borderless.

But not all crypto payment processors are created equal.

NOWPayments: The Budget Option

What they offer:

• 300+ cryptocurrencies supported

• 0.5% base transaction fee (no conversion)

• 1% fee with currency conversion

• 1.5–2.3% for fiat conversion

The Good: NOWPayments keeps things simple. Low entry barrier. Easy API integration. Their tiered pricing rewards high-volume merchants, fees drop to 0.45% above 50 BTC monthly turnover.

The Not-So-Good: That 0.5% sounds great until you need fiat. Suddenly you're looking at 2.3% fees. Not much different from traditional processors.

No self-custody options. Your crypto sits in their wallets.

No NFT receipts. Your accounting stays manual and messy.

Verdict: Decent NOWPayments alternative for hobby projects. Not built for serious merchants seeking financial sovereignty.

CoinPayments: The Veteran Player

What they offer:

• 2,000+ cryptocurrencies supported

• 0.5% transaction fee plus network fees

• Established since 2013

• Multi-currency vault

The Good: CoinPayments supports basically every crypto in existence. If your customers want to pay in obscure altcoins, they've got you covered.

The Not-So-Good: Those "network fees" add up. During high-traffic periods? You're paying premium rates on top of the 0.5%.

Reports of higher fees for certain operations. No transparent fee calculator.

Still custodial. They hold your keys.

No receivables token system. No LUSD stablecoin benefits. No NFT receipts for accounting.

Verdict: A solid CoinPayments alternative exists. Keep reading.

Larecoin: The Game-Changer

Here's where things get interesting.

Larecoin wasn't built to be another crypto payment gateway. It was engineered to completely reimagine how merchants handle global payments.

What Larecoin offers:

• Self-custody merchant accounts

• NFT receipts for accounting

• LUSD stablecoin for instant settlement

• Receivables token system

• Crypto POS system for small business

• Gas-only transfers

• Push-to-card functionality

The Fee Advantage

Larecoin's architecture is fundamentally different.

Traditional processors take a cut of every transaction. Larecoin uses a gas-only transfer model. You pay minimal blockchain network fees. That's it.

Translation: Potential 50%+ reduction in merchant interchange fees.

For that $50,000 monthly volume example? You could save $750+ every single month. That's $9,000 annually back in your pocket.

Self-Custody: Your Money, Your Control

This is massive.

With NOWPayments and CoinPayments, they hold your funds. You're trusting a third party with your revenue.

Larecoin's self-custody merchant accounts mean you hold the keys.

Your funds hit your wallet directly. No withdrawal delays. No account freezes. No "sorry, we're reviewing your transaction."

True financial sovereignty for bank-free business operations.

NFT Receipts: Accounting Revolution

Tired of reconciling crypto transactions manually?

Larecoin generates NFT receipts for every transaction. Each receipt is:

• Immutable (can't be altered)

• Timestamped on-chain

• Automatically categorized

• Audit-ready

Your accountant will thank you. Your tax season just got 10x easier.

This isn't a gimmick. NFT receipts for accounting represent the future of business record-keeping.

LUSD: Stability Meets Speed

Volatility kills crypto adoption for merchants. Nobody wants to accept $100 in Bitcoin and see it worth $85 by morning.

Enter LUSD.

Larecoin's stablecoin solution provides:

• Instant settlement

• Price stability

• Seamless conversion

• Global acceptance

LUSD stablecoin benefits extend beyond just stability. Faster settlement means better cash flow. Better cash flow means business growth.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Base Fee	0.5%	0.5% + network	Gas-only
Fiat Conversion	Up to 2.3%	Variable	Via LUSD
Self-Custody	❌	❌	✅
NFT Receipts	❌	❌	✅
Stablecoin	Third-party	Third-party	Native LUSD
Receivables Token	❌	❌	✅
POS System	Limited	Basic	Full contactless

The difference is clear.

The Receivables Token Advantage

Here's a feature nobody else offers.

Larecoin's receivables token system lets you tokenize incoming payments. What does this mean?

• Improved liquidity management

• Predictable cash flow

• Tradeable payment claims

• DeFi integration opportunities

You're not just accepting payments. You're building financial infrastructure for your business.

Crypto POS System for Small Business

Brick-and-mortar stores need this.

Larecoin's contactless POS integrates directly with existing hardware. Accept crypto payments in-store without the learning curve.

• Tap-to-pay functionality

• Instant conversion options

• Multi-currency support

• Real-time reporting

Your small business gets enterprise-grade payment tech.

Why Merchants Are Switching

The migration is happening.

Businesses tired of excessive fees are seeking legitimate NOWPayments alternatives and CoinPayments alternatives. They're finding Larecoin.

What they're discovering:

1. Lower fees – Gas-only model crushes percentage-based pricing

2. True ownership – Self-custody means actual financial control

3. Better records – NFT receipts eliminate accounting headaches

4. Stability – LUSD removes volatility concerns

5. Global reach – Web3 global payments without borders

The Bottom Line

NOWPayments works for basic crypto acceptance.

CoinPayments covers extensive coin support.

Larecoin delivers actual fee reduction with enterprise features.

If you're serious about reducing merchant interchange fees, achieving financial sovereignty, and future-proofing your payment infrastructure: there's only one choice.

Ready to slash your fees by 50% or more?

Visit Larecoin and see what Web3 global payments should actually look like.

Your margin will thank you.

---

Exploring crypto payment alternatives? Join the conversation in our Official Announcements forum for the latest updates and merchant success stories.