NOWPayments vs CoinPayments vs Larecoin: Which Web3 Payment System Slashes Fees Fastest?

You're paying too much.

Every crypto payment that flows through your business bleeds fees. NOWPayments charges you. CoinPayments charges you. And those "small percentages" become massive numbers at scale.

Time to do the math, and see why merchants are switching to gas-only models.

The Fee Structure Battle: Percentage vs Gas-Only

NOWPayments hits you with 0.5% for single-currency transactions or 1% for multi-currency.[9][10] On a $100,000 monthly volume, that's $500-$1,000 walking out the door. Every month.

CoinPayments plays the same game. 0.5-1% platform fees plus withdrawal fees. Plus custody fees. Plus settlement delays.

Larecoin? Gas-only. Around $0.00025 per transaction.[4] That's it. No platform fees. No withdrawal fees. No percentage cuts eating your revenue.

Let's break down real numbers:

At $500K annual processing:

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

• Larecoin: Under $2,000

• Your savings: 50-60%[5]

At $1M annual processing:

• Legacy platforms: $5,000-$10,000

• Larecoin: Under $2,000

• Your savings: 67-83%[5]

At $5M annual processing:

• NOWPayments/CoinPayments: ~$25,000

• Larecoin: ~$5,000

• Your savings: 80%[1][5]

Scale matters. Percentages compound. Gas fees don't.

Settlement Speed: Sub-Second vs Minutes-to-Hours

Speed is money. Literally.

NOWPayments: Roughly 5 minutes for settlement.[1][8] Not terrible. But not instant.

CoinPayments: Minutes to hours depending on blockchain congestion and manual processing.[8] Your funds sit in limbo while networks confirm.

Larecoin: Sub-second finality.[8] Built on Solana. Transactions confirm before you finish reading this sentence.

Why does this matter?

Because liquidity is freedom. When settlements drag, your working capital sits locked. You can't reinvest. You can't pay suppliers. You wait.

With sub-second finality, money moves at the speed of your business, not blockchain bottlenecks.

Custody Models: Who Controls Your Crypto?

This is where the philosophies diverge hard.

NOWPayments and CoinPayments use custodial models. They hold your funds. They control private keys. You trust them to release your money when you request withdrawals.

Sure, it's convenient. But it's also centralized. And centralization means:

• Single points of failure

• Regulatory exposure

• Withdrawal delays

• Trust requirements

• Third-party risk

Larecoin is self-custody.[1] You hold your private keys. Your wallet. Your control. No intermediary touching your funds.

Self-custody means:

• Instant access to your crypto

• Zero withdrawal delays

• No platform can freeze your funds

• You're the bank

• True decentralization

This isn't just crypto philosophy. It's merchant freedom. Independence. The ability to operate without permission.

The LUSD Advantage: Stablecoin Stability Without Volatility Fear

Crypto price swings scare merchants. Understandably.

You accept 0.5 ETH for a product. Two days later, it's worth 20% less. That's not a payment system, that's a gamble.

Larecoin offers LUSD integration, a stablecoin pegged to the US dollar. Accept crypto. Hold value. No volatility anxiety.

NOWPayments and CoinPayments support stablecoins too, but they charge you the same percentage fees on every transaction. With Larecoin, you get stablecoin stability at gas-only costs.

Stability without the markup.

NFT Receipts: Programmable Proof for Every Transaction

Here's where Larecoin gets innovative.

Every payment can generate an NFT receipt. Not just a transaction hash, a programmable, verifiable, blockchain-native proof of purchase.

Why this matters:

• Loyalty programs built directly into receipts

• Warranty tracking on-chain and immutable

• Resale verification for secondary markets

• Tax documentation that can't be lost or forged

• Customer engagement through collectible receipts

NOWPayments and CoinPayments? Standard transaction records. Nothing programmable. Nothing unique. Just data.

NFT receipts transform payments from transactions into relationships. From one-time sales into ongoing engagement.

And because Larecoin operates gas-only, minting these NFT receipts costs almost nothing.

Real Merchant Scenarios: Who Wins Where?

Let's get practical.

Scenario 1: High-Volume E-Commerce Store

• Monthly volume: $800K

• NOWPayments fee (0.5%): $4,000/month = $48,000/year

• Larecoin gas fees: ~$1,600/year

• Savings: $46,400 annually

Scenario 2: Global SaaS Platform

• Annual subscriptions: $3M

• CoinPayments fee (1%): $30,000/year

• Larecoin gas fees: ~$4,000/year

• Savings: $26,000 annually

Scenario 3: NFT Marketplace

• Trading volume: $10M/year

• Legacy platform fees (0.5-1%): $50,000-$100,000

• Larecoin gas fees: ~$8,000

• Savings: $42,000-$92,000 annually

The pattern is clear. Higher volume equals exponentially higher savings.

The Platform Comparison Chart

Feature	NOWPayments	CoinPayments	Larecoin
Transaction fees	0.5-1%	0.5-1%	Gas-only (~$0.00025)
Platform fees	Yes	Yes	Zero
Withdrawal fees	Yes	Yes	None
Settlement speed	~5 minutes	Minutes-hours	Sub-second
Custody model	Custodial	Custodial	Self-custody
NFT receipts	No	No	Yes
LUSD integration	Limited	Limited	Native
Blockchain	Multi-chain	Multi-chain	Solana-native

What You're Really Choosing

This isn't just about fees. It's about philosophy.

NOWPayments and CoinPayments offer managed services. Someone else handles the technical complexity. You pay for convenience.

Larecoin offers independence. You own your infrastructure. You control your funds. You slash costs to near-zero.

The trade-off? You need basic crypto literacy. You need to manage your wallet. You need to embrace self-custody.

But if you're reading this blog post about Web3 payment systems, you're already there.

The Solana Factor: Why Infrastructure Matters

Larecoin builds on Solana. Not random. Strategic.

Solana delivers:

• 65,000+ transactions per second

• 400ms block times

• Sub-penny transaction costs

• Proof-of-History consensus

• Carbon-neutral validation

This isn't just technical specs. It's the foundation that makes gas-only models viable.

Ethereum? Gas fees range from $2-$50 depending on congestion. That destroys the gas-only model. Bitcoin? 10-minute confirmations. Too slow for commerce.

Solana threads the needle: fast enough, cheap enough, decentralized enough.

When Legacy Platforms Make Sense

Full transparency: NOWPayments and CoinPayments serve legitimate use cases.

Choose them if you:

• Need white-glove managed services

• Want zero technical responsibility

• Process low volumes where fees don't compound

• Require extensive multi-chain support without bridges

• Prefer custodial models for regulatory simplicity

But if you're volume-conscious, fee-sensitive, and committed to decentralization? The math speaks.

Making the Switch: What Merchants Need to Know

Transitioning from NOWPayments or CoinPayments to Larecoin isn't complicated:

1. Set up a Solana wallet (Phantom, Solflare, etc.)

2. Integrate Larecoin's merchant API

3. Configure LUSD for stablecoin settlements

4. Enable NFT receipt minting (optional)

5. Start accepting payments

No lengthy approval process. No KYC delays. No waiting for platform onboarding.

Self-custody means self-service. You control the timeline.

Explore Larecoin's merchant solutions and see the fee calculator for your specific volume.

The Bottom Line

NOWPayments and CoinPayments work. They're established. They're reliable.

But they're expensive. They're slow. They're custodial.

Larecoin operates in a different category. Gas-only fees. Sub-second finality. Self-custody. NFT receipts. LUSD stability.

At $500K annual volume, you save $3,000-$3,500. At $1M, you save $5,000-$8,000. At $5M, you save $20,000+.

Every year. Forever.

The question isn't which platform slashes fees fastest. The question is: how much are you willing to keep paying?