NOWPayments vs CoinPayments vs Larecoin: Which Web3 Payment Solution Actually Reduces Merchant Interchange Fees?

Merchant fees are killing your bottom line.

Traditional payment processors take 2-3% per transaction. Even crypto payment gateways claim to "slash fees": but most still charge percentage-based platform fees that scale with your revenue.

Let's cut through the marketing noise.

This post breaks down three major Web3 payment solutions: NOWPayments, CoinPayments, and Larecoin. We're comparing actual costs, custody models, and technical advantages that matter for merchants looking to reduce merchant interchange fees in 2026.

The Fee Structure Reality Check

Here's what you're actually paying:

NOWPayments

• 0.5-1% platform fee per transaction

• Additional network costs

• Withdrawal fees when you want your money

• Currency conversion charges

CoinPayments

• 0.5-1% platform fee per transaction

• Separate network costs

• Withdrawal fees

• Conversion fees for multi-currency support

Larecoin

• Zero platform fees

• Only Solana gas costs ($0.001-$0.02 per transaction)

• No withdrawal fees (you already own your crypto)

• No conversion charges

The difference? NOWPayments and CoinPayments use percentage-based models. Larecoin uses a gas-only model.

Translation: Your fees with traditional crypto gateways scale linearly with revenue. With Larecoin, they stay flat regardless of transaction size.

Real Numbers: Annual Processing Comparison

Let's run the math on three merchant scenarios over 12 months.

Small Business: $500K Annual Processing

• NOWPayments/CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000

• Savings: 50-60%

Mid-Size Operation: $1.2M Annual Processing

• NOWPayments: ~$9,000

• CoinPayments: $6,000-$12,000

• Larecoin: ~$2,000

• Savings: 67-83%

Established Merchant: $5M Annual Processing

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000

• Savings: 80%

Processing $100K monthly? Over 36 months:

• NOWPayments: $28,000

• CoinPayments: $31,320

• Larecoin: $7,128

That's not a rounding error. That's real money back in your business.

Why Self-Custody Changes Everything

NOWPayments and CoinPayments are custodial platforms. They hold your funds until you withdraw.

Larecoin uses self-custody merchant accounts. You control the wallet. No intermediary. No waiting periods. No "withdrawal limits."

What this means practically:

Custodial Model Problems:

• Funds locked until withdrawal

• Platform risk (exchange collapse, regulatory seizure)

• Additional fees to access your own money

• Delayed settlement times

• Someone else controls your keys

Self-Custody Advantages:

• Instant access to funds

• You control private keys

• Zero counterparty risk

• No withdrawal fees

• True financial sovereignty

Learn more about self-custody benefits

Technical Advantages That Actually Matter

Beyond fees, Larecoin delivers features that streamline merchant operations:

NFT Receipts for Accounting

Every transaction generates an NFT receipt. Immutable. Timestamped. Auditable.

Why this matters:

• Automatic transaction records

• Simplified accounting workflows

• Tamper-proof audit trails

• Reduced bookkeeping overhead

Traditional crypto gateways give you CSV exports. Larecoin gives you blockchain-native accounting infrastructure.

LUSD Stablecoin Benefits

Larecoin supports LUSD: a decentralized, overcollateralized stablecoin.

Advantages over custodial stablecoins:

• No central point of failure

• Algorithmic stability

• Full transparency

• Censorship resistance

NOWPayments and CoinPayments support various stablecoins, but they're still holding your funds in custodial wallets. The stablecoin choice matters less if the custody model is broken.

Receivables Token Integration

Larecoin's receivables token system lets merchants tokenize future revenue streams.

Use cases:

• Instant liquidity against future sales

• Fractional ownership of receivables

• Tradeable payment obligations

• DeFi collateral opportunities

This isn't available with NOWPayments or CoinPayments. They process payments. Larecoin creates programmable business infrastructure.

The Crypto POS System Comparison

Setting up a crypto POS system for small business? Here's what integration looks like:

NOWPayments:

• API integration required

• Plugin support for major platforms

• Custodial settlement

• Limited customization

CoinPayments:

• API integration required

• Broader plugin ecosystem

• Custodial settlement

• More currency options but higher complexity

Larecoin:

• Solana wallet integration

• Direct settlement to merchant wallet

• Contactless POS support

• Full merchant portal access

• Self-custody from day one

The technical lift is comparable across all three. The difference is what happens after payment.

With NOWPayments and CoinPayments, you're still waiting for settlements and paying fees to access your money. With Larecoin, payments hit your wallet instantly.

The Global Reach Factor

All three platforms claim "Web3 global payments" capability. Let's unpack what that means.

NOWPayments:

• 200+ cryptocurrencies

• Global acceptance

• Custodial compliance requirements

• Regional restrictions apply

CoinPayments:

• 2,000+ coin support

• Widest currency selection

• Custodial model limits flexibility

• KYC/AML requirements vary

Larecoin:

• Solana-based infrastructure

• LARE token and LUSD stablecoin

• Self-custody eliminates most compliance friction

• True borderless payments

More coin support sounds better. But in practice? Most merchants need Bitcoin, Ethereum, and stablecoins. The rest is noise.

Larecoin focuses on speed, cost, and self-custody rather than supporting 2,000 obscure altcoins.

Who Actually Wins This Comparison?

Let's be direct.

Choose NOWPayments if:

• You need extremely wide cryptocurrency support

• You're okay with custodial models

• Fee percentages don't bother you at scale

• You want proven enterprise adoption

Choose CoinPayments if:

• Maximum coin variety is essential

• You don't mind higher complexity

• Custodial settlement works for your model

• You're processing smaller volumes

Choose Larecoin if:

• You want to actually reduce merchant interchange fees by 50-80%

• Self-custody matters

• You value financial sovereignty

• You want NFT receipts for accounting

• You need receivables token functionality

• You're building for Web3-native operations

The Bottom Line

NOWPayments and CoinPayments are solid crypto payment gateways. They solve the "accepting crypto" problem.

Larecoin solves a different problem: How do merchants achieve true financial sovereignty while slashing fees?

Percentage-based models made sense in traditional finance. Visa and Mastercard needed to cover fraud risk and settlement infrastructure.

In crypto? There's no chargeback risk. Settlement is instant. The blockchain is the infrastructure.

Charging 0.5-1% per transaction is just extracting rent from merchants who don't know better alternatives exist.

Ready to Cut Your Payment Fees?

If you're processing serious volume, the math is simple. Calculate your annual fees with your current provider. Compare against Larecoin's gas-only model.

The savings fund hiring, inventory, marketing: actual business growth instead of payment processor profits.

Check out Larecoin's merchant portal to see the fee difference for your specific volume.

Looking for more crypto payment alternatives? Join the discussion in the Larecoin community to see how other merchants are making the switch.

The race to zero fees started years ago in fintech. Web3 payment solutions like Larecoin are finally delivering on that promise.

Your move.