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

Interchange fees are bleeding merchants dry.

Traditional card processors charge 2.5% to 3.5% on every transaction. That's thousands of dollars vanishing into thin air annually. Web3 payment solutions promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. Real numbers. Real differences. No fluff.

The Quick Comparison: Fee Structures at a Glance

Here's what you're actually paying with each platform:

Platform	Processing Fee	Conversion Fee	Annual Cost ($500K Volume)
NOWPayments	0.5%	1%	~$5,000
CoinPayments	0.5%	1%	~$5,000
Larecoin	Gas-only	Gas-only	Under $2,000

The numbers speak for themselves. But fees are just the beginning.

NOWPayments: The Flexibility Player

NOWPayments launched with a clear mission. Make crypto payments accessible. They've done decent work.

What They Offer:

• 250-300+ cryptocurrencies supported

• Non-custodial functionality

• ~5 minute average processing time

• Customizable network fee options

The customizable fees are their strongest selling point. Merchants can absorb network fees, pass them to customers, or blend them. Useful for optimizing checkout conversions.

The Catch:

You're still paying 0.5% minimum on every transaction. That's $2,500 on half a million in sales. For single-currency transactions only. Add conversions? That's 1%. Double the damage.

Non-custodial is nice. But the fee structure still cuts deep into margins.

CoinPayments: The OG of Crypto Payments

CoinPayments has been around since 2013. The grandfather of crypto payment processing. Longevity has its advantages.

What They Offer:

• 2,000+ cryptocurrency support

• Established merchant tools

• Multi-coin wallet functionality

• Extensive integration options

That coin variety is impressive. If your customers want to pay with obscure altcoins, CoinPayments probably has them.

The Catch:

It's 2026. Processing times that "vary from minutes to hours" don't cut it anymore. Customers expect instant.

The custodial model is the bigger concern. CoinPayments holds your funds. Your money sits in their wallets until withdrawal. That's counterintuitive to why most merchants explore crypto in the first place.

Same 0.5-1% fee structure as NOWPayments. No customization options either. Less flexibility, same costs.

Larecoin: The Fee Elimination Approach

Here's where things get interesting.

Larecoin doesn't charge processing fees. Period. The gas-only transfer model means you pay network costs. Nothing more.

On Solana? Those network fees are fractions of a cent. We're talking $0.00025 per transaction. Run the math on 10,000 monthly transactions. That's $2.50 in fees. Not $500. Not $1,000. Two dollars and fifty cents.

The Full Package:

• Gas-only transfers

• Self-custody through Smart Wallet

• Native LUSD stablecoin integration

• NFT receipt system

• Contactless POS support

• Near-instant Solana settlement

This isn't incremental improvement. It's a fundamentally different model.

Self-Custody: Why It Matters More Than You Think

Let's talk about control.

With custodial platforms, you're trusting a third party with your revenue. They hold your funds. They control access. They set withdrawal limits and timelines.

Larecoin's Smart Wallet flips this. Your keys. Your funds. Your control.

Every transaction settles directly to your wallet. No waiting periods. No custody agreements. No withdrawal requests.

For merchants processing significant volume, this changes everything. Cash flow becomes predictable. Funds are accessible immediately. No intermediary touching your money.

Self-custody isn't just a philosophical stance. It's practical business advantage.

LUSD: The Stability Advantage

Cryptocurrency volatility scares merchants. Understandably so. Accept $100 in Bitcoin, watch it become $85 by end of day. Not ideal.

LUSD solves this cleanly.

Larecoin's native stablecoin maintains dollar parity. Accept payment. Hold value. No conversion gambling. No watching charts nervously.

The integration is native, not bolted on. LUSD works seamlessly within the Larecoin ecosystem. No third-party stablecoin dependencies. No additional conversion fees eating into your margins.

Accept LUSD. Keep LUSD. Spend LUSD. Or convert when you choose. The control stays with you.

NFT Receipts: Beyond Gimmicks

NFT receipts sound like marketing fluff. They're not.

Every Larecoin transaction can generate a verifiable, on-chain receipt. What does this actually mean for merchants?

Dispute Resolution: Traditional chargebacks cost merchants billions annually. NFT receipts create immutable proof of transaction. The customer paid. The blockchain confirms it. Dispute resolved.

Loyalty Programs: Receipt NFTs can carry metadata. Purchase history. Reward points. VIP status. All verifiable. All transferable if you want. The receipt becomes a relationship touchpoint.

Tax Compliance: Auditable transaction history on-chain. Every receipt timestamped and verified. Accounting becomes dramatically simpler.

This is infrastructure, not novelty.

US Compliance: The Elephant in the Room

Many crypto payment processors operate in regulatory gray zones. That works until it doesn't.

Larecoin takes compliance seriously. The approach includes:

MSB Registration: Money Services Business registration with FinCEN. This isn't optional for legitimate US operations. Larecoin treats it as foundational.

State MTL Strategy: Money Transmitter Licenses state by state. Expensive. Time-consuming. Necessary. Larecoin is building the licensing framework properly.

Why does this matter to merchants?

You're accepting payments. Regulatory liability can extend to you. Working with compliant payment processors isn't just their problem. It protects your business too.

NOWPayments and CoinPayments operate primarily from outside US jurisdiction. Different regulatory requirements. Different risk profiles.

For US-based merchants, compliance isn't negotiable. Larecoin's approach addresses this directly.

The Real Cost Comparison

Let's get specific. A merchant processing $500,000 annually.

Traditional Card Processing (3%): $15,000 in fees. Every year. Gone.

NOWPayments/CoinPayments (0.5-1%): $2,500 to $5,000. Better. Still significant.

Larecoin (Gas-only): Under $2,000. Often well under.

The savings compound. Year over year. The merchant keeping $13,000+ more annually can reinvest. Hire. Expand. The one bleeding fees can't.

This is why fee structure isn't just a feature. It's competitive advantage.

Making the Switch

Choosing a Web3 payment solution depends on priorities.

Choose NOWPayments if:

• You need maximum cryptocurrency variety

• Customizable fee control matters

• You're comfortable with their fee structure

Choose CoinPayments if:

• Obscure altcoin support is essential

• You prefer established platforms

• Custodial concerns don't worry you

Choose Larecoin if:

• Fee elimination is priority one

• Self-custody is non-negotiable

• US compliance matters

• You want LUSD stability

• NFT receipts add value

For merchants focused on actual bottom-line impact? The choice becomes clear.

What's Next

The 10-year Larecoin Blog Marathon continues. We're building the future of Web3 payments. Transparent. Compliant. Merchant-first.

Want deeper dives? Check out our previous comparisons:

• NOWPayments vs Larecoin: Which Web3 Payment Solution Actually Slashes Your Fees?

• CoinPayments vs Larecoin: Which Solution Actually Slashes Your Interchange Fees?

Ready to stop bleeding fees? Visit Larecoin and see the difference yourself.

The math doesn't lie. Neither do we.