NOWPayments Vs CoinPayments Vs Larecoin: Which Web3 Payment Gateway Actually Slashes Your Fees?

Payment fees are killing your margins.

Every transaction. Every sale. A slice disappears.

Traditional processors take 2.5-3.5%. Crypto gateways promise better. But do they deliver?

Let's break down three major Web3 payment gateways. NOWPayments. CoinPayments. Larecoin. Real numbers. Real differences. Real savings.

The Fee Problem Nobody Talks About

Merchants lose thousands annually to interchange fees. Small businesses? They feel it the most.

A crypto POS system for small business should solve this. Most don't.

Here's the truth: Many Web3 payment solutions just shift the problem. Different fees. Same pain.

You need a gateway that actually reduces merchant interchange fees. Not one that trades one cost for another.

Let's see who delivers.

NOWPayments: The Quick Setup Option

NOWPayments markets itself as the fast alternative. No KYC. Instant registration. 300+ cryptocurrencies supported.

The Fee Structure:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• 0% payout fees

• Customizable network fee options

Not bad on paper. The 0.5% base looks attractive.

The Catch:

Multi-currency conversions happen constantly. Most customers don't pay in your preferred token. That 1% adds up fast.

Network fees? Someone pays them. Either you absorb them or your customers do. Neither option is ideal.

Pros:

• No KYC requirements

• Fast onboarding

• Decent crypto selection

Cons:

• Conversion fees hit hard

• No stablecoin ecosystem

• Limited merchant tools

• No NFT receipts for accounting

NOWPayments works for basic crypto acceptance. But it's not built for serious merchant operations.

CoinPayments: The Veteran Player

CoinPayments has been around. It's established. It works.

But established doesn't mean optimized.

The Fee Structure:

• 0.5% for major coins (BTC, ETH)

• 1% for tokens and stablecoins

• 0% payout fees

• Payers cover gas fees

The Reality:

That 1% on stablecoins? That's the killer.

Stablecoins are the future of Web3 global payments. They're what merchants actually want. Predictable value. Easy accounting. No volatility headaches.

CoinPayments charges double for them.

Pros:

• Trusted platform

• 120+ cryptocurrencies

• Established reputation

Cons:

• Manual whitelisting required

• KYC mandatory

• Higher stablecoin fees

• Slower setup process

• No self-custody merchant accounts

CoinPayments serves its purpose. It's a NOWPayments alternative with history. But it's not pushing boundaries.

Larecoin: The Web3-Native Solution

Different philosophy here.

Larecoin wasn't built to be another payment processor. It was built to reimagine merchant payments entirely.

The Fee Advantage:

Larecoin slashes fees by 50%+ compared to traditional processors. Gas-only transfers mean you're not paying percentage-based fees on every transaction.

Think about that. A $10,000 sale. Traditional processing? $250-350 gone. Larecoin? A fraction of that.

What Sets It Apart:

LUSD Stablecoin Benefits: Larecoin's ecosystem includes LUSD, a stablecoin designed for merchant use. Stable value. Predictable accounting. No conversion anxiety.

Accept crypto. Receive stable value. Simple.

NFT Receipts for Accounting: Every transaction generates an NFT receipt. Immutable. Verifiable. Perfect for audits.

Your accountant will thank you. Your tax preparer definitely will.

Self-Custody Merchant Accounts: Your funds. Your control. No third party holding your money hostage.

This is what financial sovereignty looks like. Bank-free business operations aren't just possible, they're practical.

Receivables Token: Turn your receivables into tokenized assets. New liquidity options. New financial flexibility.

Feature Comparison: The Full Picture

Feature	NOWPayments	CoinPayments	Larecoin
Base Transaction Fee	0.5-1%	0.5-1%	Gas-only
Stablecoin Fees	Standard	1%	Optimized
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
Native Stablecoin	No	No	LUSD
Receivables Token	No	No	Yes
KYC Required	No	Yes	Flexible
Crypto POS System	Limited	Limited	Full Suite

The differences are clear. One of these isn't like the others.

Why Fee Structure Matters More Than You Think

Let's do the math.

Average small business: $500,000 annual card sales.

Traditional Processing (3%): $15,000 in fees NOWPayments (0.75% average): $3,750 in fees CoinPayments (0.75% average): $3,750 in fees Larecoin (gas-only): Dramatically lower

That difference? It's your profit margin. Your hiring budget. Your growth capital.

Web3 payment gateways exist to solve this problem. Larecoin actually does.

Beyond Fees: The Ecosystem Advantage

Fees matter. But they're not everything.

Larecoin delivers:

• Complete merchant portal

• Contactless POS integration

• Liquidity pools access

• Swap and bridge functionality

• DAO governance participation

This isn't just a payment processor. It's a financial ecosystem.

NOWPayments and CoinPayments process payments. Larecoin transforms how you handle money.

The Self-Custody Revolution

Traditional payment processors hold your funds. Days. Sometimes weeks.

Chargebacks? Frozen accounts? Account terminations?

All possible. All common.

Self-custody merchant accounts change everything. Funds go directly to your wallet. Immediately. No intermediary. No permission needed.

This is what merchants deserve. Financial sovereignty isn't a buzzword: it's a business advantage.

Making the Switch

Already using NOWPayments or CoinPayments? Switching isn't complicated.

What to expect:

1. Set up your Larecoin merchant account

2. Integrate with your existing systems

3. Start accepting Web3 payments immediately

4. Watch your fee savings accumulate

The crypto POS system for small business should be this simple. With Larecoin, it is.

The Bottom Line

NOWPayments works for basic crypto acceptance. CoinPayments has the track record.

But neither was built for what merchants actually need in 2026.

Larecoin offers:

• Genuine fee reduction (50%+ savings)

• NFT receipts for accounting

• LUSD stablecoin benefits

• True self-custody

• Complete merchant ecosystem

The NOWPayments alternative you've been searching for? The CoinPayments alternative that actually innovates?

It's Larecoin.

Your margins deserve better. Your business deserves better.

Time to stop paying fees that don't make sense.