NOWPayments vs CoinPayments vs Larecoin: Which Web3 Global Payments Solution Actually Slashes Your Fees by 50%?

Let's cut through the noise.

You've heard the promise. "Slash your fees by 50%." Every crypto payment processor claims it. But which Web3 global payments solution actually delivers?

Here's the truth: All three crush traditional card processors. Visa and Mastercard hit merchants with 2.5-3.5% interchange fees. That's $15,000+ annually on $500K in sales. Brutal.

NOWPayments, CoinPayments, and Larecoin all undercut that dramatically. But the differences between them? That's where your real savings live.

The 50% Fee Reduction: What It Actually Means

First, let's clear up the marketing speak.

The "50% savings" doesn't compare these crypto solutions against each other. It compares them against legacy payment rails. Traditional card processing bleeds merchants dry with:

• Interchange fees

• Assessment fees

• Payment gateway markups

• Chargeback fees

• Monthly minimums

Web3 global payments eliminate most of that overhead. But among crypto processors, the fee structures vary significantly.

NOWPayments: The Customizable Option

Fee Structure: 0.5-1% processing fees

NOWPayments positions itself as a flexible NOWPayments alternative for merchants wanting crypto acceptance without complexity. Here's what you get:

Pros:

• 100+ cryptocurrencies supported

• Customizable network fee options

• API-first approach

• Non-custodial (technically)

Cons:

• Still controls transaction settlement

• Third-party stablecoin integration

• Processing times average ~5 minutes

• Platform-dependent custody model

For a business processing $500,000 annually, expect around $5,000 in fees. Better than traditional processors. Still substantial.

The customizable network fees help with large volumes. But you're still operating within their settlement system.

CoinPayments: The Established Player

Fee Structure: 0.5-1% flat processing fees

CoinPayments has been around since 2013. Longevity matters in crypto. Here's the breakdown:

Pros:

• 2,300+ coins supported

• Established infrastructure

• Merchant tools and plugins

• Shopping cart integrations

Cons:

• Fully custodial model

• Fixed fee structure (no customization)

• Settlement times range from minutes to hours

• Third-party stablecoin solutions

Same ballpark as NOWPayments on fees. ~$5,000 annually on $500K volume.

The custodial model means CoinPayments holds your funds. You're trusting a third party with your receivables. That's a significant consideration for merchants prioritizing financial sovereignty.

Larecoin: The Self-Custody Challenger

Fee Structure: Gas-only transfer model

Here's where things get interesting.

Larecoin takes a fundamentally different approach. Instead of percentage-based processing fees, the platform operates on a gas-only transfer model. You pay network transaction costs. Nothing more.

What does that look like in practice?

On Solana, gas fees run fractions of a cent per transaction. For a business processing $500,000 annually, total costs land under $2,000. That's 60% less than NOWPayments or CoinPayments.

The Self-Custody Merchant Account Difference

This is the big one.

NOWPayments and CoinPayments both control settlement, even when marketed as "non-custodial." Your funds flow through their systems before reaching you.

Larecoin's Smart Wallet puts you in control. True self-custody merchant accounts mean:

• Direct merchant-to-customer transactions

• No intermediary holding your receivables

• Immediate access to funds

• Bank-free business operations

For merchants building toward financial sovereignty, this isn't a minor feature. It's the entire point.

LUSD Stablecoin Benefits

Volatility kills merchant adoption. Nobody wants to accept $100 in crypto and wake up to $85.

Larecoin integrates LUSD natively within the ecosystem. No third-party stablecoin solutions. No additional conversion steps.

LUSD stablecoin benefits for merchants:

• Price stability against dollar

• Native ecosystem integration

• Faster settlement without conversion delays

• Reduced counterparty risk

NOWPayments and CoinPayments rely on external stablecoin providers. Extra steps. Extra points of failure.

NFT Receipts for Accounting

Here's something neither competitor offers.

Every Larecoin transaction generates NFT receipts for accounting. Immutable. Verifiable. Permanently on-chain.

Why this matters:

• Automated audit trails

• Proof of transaction without bank statements

• Tax documentation built into the payment flow

• Receivables token functionality for future financing

Traditional accounting requires reconciliation against bank records. NFT receipts eliminate that friction entirely.

Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only
Annual Cost ($500K)	~$5,000	~$5,000	<$2,000
Settlement Speed	~5 minutes	Minutes to hours	Near-instant
Custody Model	Platform-controlled	Fully custodial	True self-custody
Stablecoin Integration	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
Network	Multi-chain	Multi-chain	Solana-native

Which Solution Fits Your Business?

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• API customization matters more than fee optimization

• Platform-controlled settlement works for your model

Choose CoinPayments if:

• You want established infrastructure and longevity

• Wide coin support is your priority

• Custodial concerns don't affect your decision

Choose Larecoin if:

• Reducing merchant interchange fees is your top priority

• Self-custody merchant accounts align with your values

• You want native stablecoin and NFT receipt functionality

• Near-instant settlement on Solana fits your operations

• Building a bank-free business matters to you

The Real Question

It's not just about which crypto POS system for small business saves the most on fees. Although Larecoin clearly wins that comparison.

It's about control.

Traditional payment processors own the rails. They set the fees. They hold your money. They decide when you get paid.

NOWPayments and CoinPayments improve on that model. Lower fees. Faster settlement. More options.

But they're still intermediaries.

Larecoin removes the intermediary entirely. Your customer pays. You receive. No platform sitting in the middle controlling your receivables.

That's Web3 global payments done right.

The Bottom Line

Every crypto payment solution slashes fees compared to Visa and Mastercard. That 50% savings claim holds across the board.

But among crypto processors?

Larecoin delivers the lowest fees, fastest settlement, and true self-custody. Native LUSD integration solves volatility. NFT receipts transform accounting. Gas-only costs maximize your margins.

For merchants serious about reducing merchant interchange fees while maintaining financial sovereignty, the choice is clear.

Ready to stop paying platform fees on every transaction? Explore Larecoin and see what true self-custody looks like.