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

Let's cut through the noise.

You're processing crypto payments. You want lower fees. You need to know which platform actually delivers.

NOWPayments charges 0.5-1% per transaction. CoinPayments? Same story, 0.5-1% plus withdrawal fees, conversion costs, and custody charges stacking up like hidden landmines.

Larecoin charges zero platform fees. You pay only gas costs.

That's not marketing speak. That's the difference between paying $10,000 annually and paying $2,000 for the same transaction volume.

The Real Cost of Traditional Crypto Payment Processors

NOWPayments and CoinPayments follow the same playbook.

They charge percentage-based fees. Add network fees on top. Slap on withdrawal minimums. Hit you with conversion spreads. Require KYC delays. Lock your funds in custodial wallets.

Here's what they don't advertise:

• Conversion fees eat 1-3% on every currency swap

• Withdrawal minimums trap small balances indefinitely

• API limitations on lower tiers force upgrades

• Custody fees compound over time

• Volume tier changes surprise merchants mid-year

You're not just paying transaction fees. You're paying for the privilege of not controlling your own money.

That's Web2 thinking dressed up in crypto clothing.

Zero Platform Fees vs Percentage-Based Extraction

Let's talk real numbers.

At $500K annual processing volume:

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

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

• Larecoin: Under $2,000 (gas costs only)

Savings: 50-60%

At $1M annual processing volume:

• NOWPayments: $5,000-$10,000

• CoinPayments: $5,000-$10,000

• Larecoin: Under $2,000

Savings: 67-83%

At $2M annual processing volume:

• NOWPayments: $10,000-$20,000

• CoinPayments: $10,000-$20,000

• Larecoin: ~$500

Savings: 96-98%

The math doesn't lie. Scale up and the difference becomes absurd.

If you're processing $100K monthly ($1.2M annually), NOWPayments costs approximately $9,000 while Larecoin runs around $2,000. That's $7,000 back in your pocket. Every single year.

Why Self-Custody Changes Everything

Custodial platforms hold your funds. You ask permission to withdraw. They set the minimums. They control the timeline.

Self-custody flips the script:

You control your private keys. You decide when to move funds. No intermediary holds your money hostage. No surprise policy changes lock your capital.

This isn't just about fees, it's about sovereignty.

Traditional payment processors position custody as convenience. "We'll handle the complicated stuff." But that "convenience" costs you control, flexibility, and real money.

Larecoin operates on self-custody principles. Your wallet. Your keys. Your funds. Always.

Yes, you manage wallet security. That's the trade-off. But if you're serious about Web3, that's non-negotiable anyway.

NFT Receipts: The Underrated Advantage

Here's where things get interesting.

Every Larecoin transaction generates an NFT receipt. Not as a gimmick: as a utility.

What NFT receipts actually do:

• Immutable proof of purchase stored on-chain

• Instant verification without third-party intermediaries

• Customer loyalty programs built into transaction history

• Resale royalties for digital goods

• Transparent accounting that auditors love

NOWPayments and CoinPayments give you transaction IDs. Larecoin gives you programmable, tradeable, verifiable proof of every transaction.

Want to reward repeat customers automatically? NFT receipt history does that. Need to verify a transaction from 3 years ago? It's permanently recorded on-chain. Planning a loyalty airdrop? Your transaction NFTs identify eligible customers instantly.

This is Web3 infrastructure working for you: not just crypto payment processing.

LUSD Stablecoin: Stability Without the Middleman

Stablecoins solve volatility. But not all stablecoins solve centralization.

USDC and USDT dominate the market. Both require centralized issuers. Both can freeze your funds. Both operate on traditional banking rails underneath the crypto veneer.

LUSD (Liquidity USD) runs differently:

• Fully decentralized and algorithmic

• No central issuer controlling supply

• Backed by ETH collateral, not bank deposits

• Censorship-resistant at the protocol level

• No freeze functions built into smart contracts

When you accept LUSD through Larecoin, you're receiving genuine decentralized value. Not a token representing a bank account that could be frozen, seized, or manipulated by a corporate issuer.

NOWPayments and CoinPayments support centralized stablecoins. Larecoin integrates decentralized alternatives. That matters when you're building for the long term.

Real Numbers: What You Actually Save

Let's compare a mid-sized online business processing $100K monthly.

NOWPayments Annual Costs:

• Platform fees: $6,000-$12,000

• Withdrawal fees: ~$600

• Conversion spreads: ~$1,200

• Custody overhead: Variable

Total: $7,800-$13,800

CoinPayments Annual Costs:

• Platform fees: $6,000-$12,000

• Withdrawal penalties: ~$500

• Currency conversion: ~$1,000

• API tier upgrades: $300-$1,200

Total: $7,800-$14,700

Larecoin Annual Costs:

• Platform fees: $0

• Gas costs: ~$1,500-$2,500

• Withdrawal fees: $0

• Conversion: Managed by merchant

Total: $1,500-$2,500

You're saving $5,300-$12,300 annually. That's not accounting optimization. That's structural advantage.

Those savings compound. Year after year. As your volume grows, the gap widens.

The Choice Is About Control

NOWPayments and CoinPayments offer convenience. Hand them your business. Let them manage everything. Pay percentage fees forever.

Larecoin offers sovereignty. Manage your own infrastructure. Pay only network costs. Keep complete control.

Pick convenience if:

• You want someone else handling wallet management

• You're okay with custody risk

• Percentage fees don't concern you

Pick sovereignty if:

• You value self-custody and control

• You process significant volume

• You want NFT receipt functionality

• You prefer decentralized stablecoins

• You're serious about reducing merchant interchange fees

The market is moving toward self-custody. Regulatory pressure is mounting on custodial platforms. Merchants who control their own infrastructure won't be caught off-guard when policies change.

Start Saving Today

The math is simple. The choice is clear.

Processing $1M annually? Save $5,000-$8,000 with Larecoin. Processing $5M? Save $20,000-$25,000.

Zero platform fees aren't a promotional offer. That's the architecture.

Visit Larecoin to set up your merchant account. Join merchants already slashing fees by 50%+ while maintaining complete control of their funds.

Your capital belongs in your business( not in payment processor fees.)