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

Let's cut to the chase.

You're bleeding money on payment processing fees. Every single transaction. Every single day.

Traditional processors charge 2.5-3.5%. Web3 promised to fix that. But did it?

NOWPayments. CoinPayments. Larecoin. Three names. Three different approaches. One question: which one actually delivers on the promise of slashing your merchant interchange fees?

Let's break it down.

The Fee Showdown: Numbers Don't Lie

Here's what you're actually paying:

Platform	Base Transaction Fee	Multi-Currency Fee	Network Fee Flexibility	Payout Fee
NOWPayments	0.5%	1%	Customizable	0%
CoinPayments	0.5%	1%	Fixed	0%
Larecoin	Gas-only	Gas-only	Full control	0%

See that difference?

NOWPayments and CoinPayments look identical on paper. Both charge 0.5% for single-currency payments. Both bump to 1% for multi-currency swaps. Both claim zero payout fees.

But Larecoin? Gas-only transfers. No percentage cut from your revenue.

That's not a marginal improvement. That's a paradigm shift.

NOWPayments: The Flexible Option

What they get right:

• 300+ cryptocurrencies supported

• Email-only registration (literally 5 minutes to set up)

• Customizable network-fee options

• Solid e-commerce integrations (WooCommerce, Ecwid)

• Fast processing (under 1 minute for TON)

What's missing:

• Still taking 0.5-1% off every transaction

• No self-custody merchant accounts

• No NFT receipts for accounting

• Custodial model means they hold your funds

• Limited financial sovereignty

NOWPayments does give you flexibility on network fees. You can absorb them, split them with customers, or pass them along entirely. That's useful for conversion optimization.

But at scale? That 0.5% adds up fast.

Process $100,000/month? That's $500 gone. Every month. Forever.

CoinPayments: The Established Player

What they get right:

• Operating since 2014 (battle-tested)

• Largest crypto payment processor globally

• Deep integrations (Shopify, Magento, PrestaShop, OpenCart)

• Trusted by thousands of merchants

• Multi-platform support

What's missing:

• Same 0.5-1% fee structure as competitors

• No network fee customization

• Custodial wallet system

• No receivables token innovation

• Traditional fintech approach wrapped in crypto

CoinPayments has longevity. Credibility. Market penetration.

But innovation? Not so much.

They're essentially running the same playbook from 2014. Crypto changes fast. Their fee model hasn't.

Larecoin: The Web3 Native Solution

Here's where things get interesting.

Larecoin isn't just another payment processor charging you less. It's a fundamentally different architecture.

The core difference: Self-custody merchant accounts.

Your money. Your wallet. Your keys. No intermediary holding your funds hostage.

What Larecoin delivers:

• Gas-only transfers : No percentage fees eating your margins

• NFT receipts for accounting : Immutable, automated, audit-ready

• LUSD stablecoin : Price stability without bank dependencies

• Receivables token : Tokenize your incoming payments

• Self-custody : You control every satoshi

Let's talk real numbers.

A merchant processing $500,000 annually on NOWPayments or CoinPayments pays $2,500-$5,000 in fees alone. With Larecoin's gas-only model? Pennies on the dollar.

That's not 10% savings. That's 50%+ fee reduction. Minimum.

NFT Receipts: Why This Actually Matters

"NFT receipts? Sounds like a gimmick."

Wrong.

Here's the problem with traditional payment receipts:

• Stored in siloed databases

• Editable (fraud risk)

• Lost during platform migrations

• Nightmare for audits

• Cross-border reconciliation chaos

NFT receipts solve all of it.

Every transaction mints an immutable receipt on-chain. Timestamped. Verified. Permanent.

Your accountant will thank you. Your auditor will love you. Your CFO will finally sleep at night.

This isn't Web3 buzzword bingo. It's practical infrastructure for modern merchants.

The Self-Custody Advantage

NOWPayments holds your crypto. CoinPayments holds your crypto.

They're middlemen. Custodians. Single points of failure.

Remember FTX? Celsius? BlockFi?

Merchants lost millions because someone else controlled their funds.

Larecoin's self-custody model eliminates that risk entirely. Connect your own wallet. Accept payments directly. Withdraw whenever you want.

No approval processes. No withdrawal limits. No "your account is under review" emails.

Bank-free business operations aren't just a tagline. They're protection.

The Hidden Costs Nobody Talks About

Transaction fees are just the tip.

Currency conversion fees:

• NOWPayments: Variable based on swap complexity

• CoinPayments: Built into exchange rates

• Larecoin: LUSD stablecoin minimizes conversion friction

Withdrawal delays:

• Custodial platforms can freeze funds

• Self-custody means instant access

Compliance overhead:

• Centralized platforms require KYC on your business

• Self-custody reduces intermediary reporting requirements

Integration costs:

• Complex APIs mean developer hours

• Larecoin's crypto POS system for small business is plug-and-play

Add it all up. The "cheap" processors aren't so cheap anymore.

Global Reach Without Global Headaches

Selling internationally? Traditional payment rails are a nightmare.

• SWIFT fees

• Currency conversion losses

• 3-5 day settlement times

• Chargebacks from every jurisdiction

Crypto fixes the cross-border problem. But which solution does it best?

NOWPayments and CoinPayments still operate through centralized infrastructure. Geographic restrictions apply. Banking relationships matter.

Larecoin's decentralized architecture doesn't care where you are. Or where your customers are.

Web3 global payments. Actually global.

The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You need 300+ crypto options

• Network fee flexibility matters

• You're okay with custodial trade-offs

• Quick setup is priority #1

Choose CoinPayments if:

• You trust established players

• You need specific platform integrations

• Longevity and track record matter

• You don't mind the 0.5-1% cut

Choose Larecoin if:

• Slashing fees by 50%+ is non-negotiable

• Self-custody is a requirement

• NFT receipts improve your operations

• Financial sovereignty matters

• You want a true NOWPayments alternative or CoinPayments alternative

The math is clear.

0.5-1% fees compound over time. Gas-only transfers don't.

Custodial risk is real. Self-custody eliminates it.

Traditional receipts create accounting friction. NFT receipts remove it.

Ready to Make the Switch?

Larecoin isn't just competing with legacy crypto processors.

It's replacing them.

Lower fees. Better infrastructure. True ownership.

The merchants who figure this out first win. The ones who wait keep paying the tax.

Your move.

Explore the Larecoin ecosystem and see why merchants are making the switch.

Have questions? Join the community. Ask the hard questions. Get real answers.

The future of merchant payments is self-custody. The future is fee-free. The future is here.