NOWPayments Vs CoinPayments Vs Larecoin: Which Web3 Payment Solution Actually Saves You Money?

Let's talk money. Your money.

Every crypto transaction you process? Someone's taking a cut. The question is: how much?

Most merchants don't realize they're bleeding revenue through payment processing fees. We're talking thousands: sometimes tens of thousands: annually. For what? Moving digital assets from point A to point B.

Time to break it down.

The Real Cost of Crypto Payments

Here's the uncomfortable truth. Traditional crypto payment processors operate like middlemen. They hold your funds. They charge percentage-based fees. They add friction.

NOWPayments? CoinPayments? Same story.

Both platforms charge approximately 0.75% per transaction. Sounds small. It's not.

The Numbers Don't Lie

Let's run the math on $500,000 in annual crypto transactions:

Platform	Annual Cost	Fee Structure
Larecoin	Under $2,000	Gas-only transfers
NOWPayments	~$3,750	0.75% average
CoinPayments	~$3,750	0.75% average

That's a 45-50% difference.

Scale it up to $5 million annually? Larecoin delivers $50,000+ in recovered revenue compared to competitors.

Fifty. Thousand. Dollars.

That's not savings. That's a salary. That's marketing budget. That's growth capital sitting in your pocket instead of someone else's.

Why the Massive Difference?

Architecture.

NOWPayments and CoinPayments operate as intermediaries. They sit between you and your customer. They hold funds during processing. They charge for the privilege.

Larecoin? Different beast entirely.

Direct merchant-to-customer transactions. Gas-only model. You pay blockchain network fees: nothing more.

No platform markups. No percentage cuts. No middlemen skimming your revenue.

Self-Custody: Your Keys, Your Crypto

Here's where it gets interesting.

With NOWPayments and CoinPayments, funds go to their wallets first. Then to yours. Eventually.

Processing delays. Third-party dependency. Counterparty risk.

Larecoin flips the script. Full self-custody. Funds hit your wallet directly. Immediately.

Not their wallet. Yours.

This isn't just philosophy. It's security. It's control. It's the entire point of crypto in the first place.

LUSD: Stability Without the Drama

Volatility kills merchant adoption. Everyone knows this.

You accept $100 in Bitcoin. An hour later? Could be $95. Could be $105. Unpredictable.

Traditional solutions? Convert to fiat instantly. Pay conversion fees. Add complexity.

Larecoin's native LUSD stablecoin changes the equation:

• Instant settlement : no waiting

• Zero volatility protection : dollar-pegged stability

• No third-party conversions : native ecosystem integration

NOWPayments and CoinPayments? They integrate third-party stablecoin solutions. Extra steps. Potential conversion delays. Added complexity.

LUSD is built-in. Native. Seamless.

Speed Matters

Time is money. Literally.

Transaction processing speeds across platforms:

• Larecoin: Near-instant (Solana-powered)

• NOWPayments: ~5 minutes average

• CoinPayments: Minutes to hours

Minutes to hours? In crypto? That's legacy thinking.

Larecoin leverages Solana's infrastructure for sub-second finality. Your customer pays. You receive. Done.

NFT Receipts: Proof That Actually Proves Something

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A game-changer.

Immutable proof of payment. On-chain verification. Permanent record. Tax documentation simplified.

Try explaining a disputed charge with a PDF receipt versus blockchain-verified NFT proof. One's a he-said-she-said situation. The other's cryptographic fact.

NOWPayments? Standard receipts. CoinPayments? Standard receipts. Larecoin? Web3-native proof of transaction.

Setup: Minutes vs. Days

Developer resources are expensive. Time is expensive.

CoinPayments and NOWPayments often require:

• Hours to days for setup

• Technical resources for API integration

• Developer involvement

• Documentation deep-dives

Larecoin setup:

• Minutes

• No developers needed

• Plug and play

Your time has value. Stop burning it on complex integrations.

US Compliance: The Elephant in the Room

Here's what separates serious players from weekend projects.

Regulatory compliance. Boring? Maybe. Essential? Absolutely.

Larecoin operates under rigorous US compliance standards:

• MSB (Money Services Business) registration : federal-level compliance

• State MTL (Money Transmitter License) strategy : state-by-state regulatory framework

This isn't optional for businesses operating in the US. It's the cost of doing business legally.

Many crypto payment solutions operate in regulatory gray zones. Fine until it isn't. Ask any merchant who's had funds frozen or accounts shuttered.

Larecoin builds on solid regulatory ground. Sleep better at night.

The Cryptocurrency Support Question

Fair point: NOWPayments supports 300+ cryptocurrencies. CoinPayments supports 2,000+.

Impressive numbers.

But here's the question: how many do your customers actually use?

Bitcoin. Ethereum. USDC. SOL. Maybe a handful of others.

The long tail of obscure altcoins? Nice to have. Rarely essential.

Larecoin focuses on what matters: major cryptocurrencies, streamlined experience, maximum savings.

NOWPayments' One Advantage

Credit where due.

NOWPayments offers customizable network fee options. You can absorb or blend fees for larger merchants. Some optimization flexibility exists.

CoinPayments lacks this customization entirely.

But here's the thing: optimizing a 0.75% fee structure still costs more than a gas-only model. You're negotiating deck chairs on the Titanic.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency support

• You're comfortable with percentage-based fees

• Processing speed isn't critical

Choose CoinPayments if:

• You need maximum cryptocurrency variety (2,000+)

• Established platform reputation matters most

• You have technical resources for integration

Choose Larecoin if:

• Cost savings are priority one

• Self-custody matters

• You want near-instant settlement

• US compliance is non-negotiable

• NFT receipts add value to your business

• Setup simplicity wins

The Bottom Line

Percentage-based fees are legacy thinking. They made sense when crypto was niche and processors took real risk.

That era's over.

Gas-only models represent the future of crypto payments. Pay for what you use: blockchain network fees: nothing more.

Larecoin delivers:

• 50%+ savings versus traditional processors

• 45-50% savings versus NOWPayments and CoinPayments

• Full self-custody : your keys, your crypto

• LUSD integration : stability without complexity

• NFT receipts : immutable proof of every transaction

• US compliance : MSB and state MTL strategy

• Minutes to setup : no developers required

Your business generates revenue. Stop giving it away to middlemen.

The math is simple. The choice is clear.

Ready to keep more of what you earn? Check out Larecoin and see the difference yourself.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we break down why Web3 payments don't have to be complicated: or expensive.