NOWPayments vs CoinPayments vs Larecoin: Which Web3 Payment Solution Slashes Your Merchant Fees by 50%+?

The Merchant Fee Problem Nobody's Talking About

You're processing $50K monthly in crypto payments. Feels good, right?

Then the invoice hits.

NOWPayments: $500. CoinPayments: $500. Every. Single. Month.

That's $6,000 annually disappearing into platform fees before you even touch network costs, withdrawal penalties, or currency conversions.

Scale that to $100K monthly? You're bleeding $12,000+ per year.

There's a better way.

Fee Structures: Where Your Money Actually Goes

NOWPayments & CoinPayments:

• 0.5% single-currency transactions

• 1% multi-currency transactions

• Network fees (variable)

• Withdrawal fees (2-3%)

• Currency conversion spreads (1-2%)

These stack. Fast.

Larecoin:

• Zero platform fees

• Gas-only model

• $0.001-$0.02 per transaction on Solana

• Self-custody from transaction one

Real Numbers: The 36-Month Scenario

Let's run the math on $100K monthly processing ($3.6M total over 36 months):

NOWPayments: $28,000+ in platform fees CoinPayments: $31,320 in platform fees Larecoin: ~$7,128 in gas fees

That's $20,872 saved versus NOWPayments. $24,192 saved versus CoinPayments.

And that's conservative. We're not even counting withdrawal penalties, conversion spreads, or the opportunity cost of locked funds in custodial wallets.

Why Gas-Only Destroys Percentage Models

Here's the thing percentage-based platforms won't tell you:

A $100 transaction costs them the same as a $100,000 transaction in computational power.

Same server load. Same API call. Same database entry.

But you pay 1000x more.

With Solana gas fees, that $100 transaction costs $0.01. The $100,000 transaction? Also $0.01.

Blockchain computation doesn't scale with transaction size. Neither should your fees.

The Larecoin Technical Advantage

NFT Receipts for Accounting

Every Larecoin transaction mints an NFT receipt. On-chain. Immutable. Auditable.

Your accountant gets cryptographic proof of every sale. No Excel exports. No CSV reconciliations. Just scan the blockchain.

Tax season becomes a query, not a nightmare.

LUSD Stablecoin Integration

Volatile crypto markets killing your margins? Larecoin integrates LUSD: the decentralized, collateral-backed stablecoin.

Accept payments in LUSD. Price stability without trusting Tether or Circle's bank reserves.

Decentralized stablecoins mean nobody can freeze your merchant account. Ever.

Self-Custody Merchant Accounts

NOWPayments and CoinPayments hold your funds. They control withdrawal timing. They set the terms.

Larecoin? Your wallet. Your keys. Your liquidity.

Funds hit your self-custody wallet instantly. Move them when you want. Where you want. No permission needed.

Volume Breaks: Where Savings Explode

Annual Volume	NOWPayments/CoinPayments	Larecoin	Savings
$500K	$2,500-$5,000	<$2,000	50-60%
$1.2M	~$9,000	~$2,000	67-83%
$5M	$25,000+	$5,000-$6,000	80%+

Notice the pattern? The more you process, the wider the gap.

High-volume merchants get crushed by percentage models. Gas fees don't care about your volume.

Beyond Fees: The Receivables Token

Larecoin introduces something neither competitor offers: tokenized receivables.

Issue a receivables token against expected payments. Sell it to investors or liquidity providers. Get paid today for invoices due in 30 days.

That's instant cash flow improvement without bank loans or factoring fees.

Traditional finance calls this "invoice financing" and charges 3-5% monthly. Larecoin does it via smart contracts with transparent terms set by open markets.

Who Should Make the Switch

E-commerce stores processing $50K+ monthly: You're paying $500-$1,000/month in platform fees alone. Cut it to $50-$100.

Digital service providers: Freelancers, agencies, SaaS companies accepting crypto: your fee savings compound with every client payment.

Cross-border merchants: Selling globally? NOWPayments and CoinPayments add currency conversion spreads. Larecoin's Web3 rails ignore borders entirely.

Self-custody advocates: If you believe "not your keys, not your coins," why let payment processors hold your merchant revenue?

The Migration Math

Switching costs are real. Let's be honest about them.

You'll need to:

• Update payment buttons

• Adjust accounting systems for NFT receipts

• Train staff on self-custody wallets

That's 2-4 hours of implementation time.

Compare that to paying $500-$1,000 monthly in unnecessary fees. Break-even happens in your first month.

Global Payments Without the Global Fee Structure

NOWPayments and CoinPayments charge the same whether you're processing in Singapore, São Paulo, or Stockholm.

Larecoin runs on Solana. Solana doesn't know geography. A transaction from Tokyo to Toronto costs the same as one from Brooklyn to Manhattan.

That's true Web3 global payments: fee structures that reflect blockchain reality, not legacy banking infrastructure.

For more on how Web3 eliminates traditional interchange fees, check out our ultimate guide to reducing merchant interchange fees.

The Bottom Line

NOWPayments and CoinPayments are good. They brought crypto payments to thousands of merchants. Respect for that.

But they're built on the old model: custodial wallets, percentage fees, withdrawal restrictions.

Larecoin is Web3-native. Gas-only fees. Self-custody. NFT receipts. Tokenized receivables.

If you're processing $50K+ annually in crypto, the fee difference pays for itself immediately. At $500K+ annually, you're leaving five figures on the table every year.

The question isn't whether to switch.

It's whether you can afford not to.

Ready to slash your merchant fees by 50%+? Visit Larecoin to set up your self-custody merchant account in minutes.

No percentage fees. No custodial lock-in. Just gas-only transfers and immediate settlement to your wallet.

Welcome to bank-free business operations.