NOWPayments Vs CoinPayments: Which Web3 Global Payments Solution Actually Cuts Your Fees in Half?

Here's the truth nobody's telling you.

You've been searching for the best crypto payment processor. You've read the comparisons. You've done the math. And you keep landing on the same two names: NOWPayments and CoinPayments.

But which one actually slashes your merchant interchange fees by 50%?

Plot twist: Neither of them.

Let's break this down.

The NOWPayments Breakdown

NOWPayments has built a solid reputation in the Web3 global payments space. They're non-custodial. They support 300+ cryptocurrencies. They integrate with Shopify, WooCommerce, and most major eCommerce platforms.

The fee structure:

• 0.5% base service fee for standard transactions

• 1% for token payments or currency conversions

• Immediate withdrawals in your chosen cryptocurrency

The non-custodial model is the real selling point here. You keep your private keys. You control your funds. No middleman holding your money hostage.

For merchants who prioritize self-custody merchant accounts, NOWPayments delivers.

But 0.5% isn't cutting your fees in half. Not even close.

The CoinPayments Breakdown

CoinPayments takes a different approach. They're custodial. Your funds sit in their generated wallets. You don't get the private keys.

What you do get:

• 0.5% commission on transactions

• Two-factor authentication

• Instant account notifications

• Step-by-step integration guides

• A clean dashboard for onboarding

The managed security features appeal to merchants who don't want the responsibility of self-custody. Fair enough.

But again, 0.5% fees.

Same as NOWPayments.

No fee advantage. No 50% reduction. Just different custody models with identical pricing.

The Real Problem With Both Options

Let's get specific.

Traditional payment processors charge anywhere from 2.5% to 3.5% per transaction. That's the benchmark. That's what you're trying to escape.

NOWPayments and CoinPayments both charge 0.5%. That's roughly an 80% reduction from traditional processors. Solid.

But here's what they're NOT doing:

• No NFT receipts for accounting, You're still stuck with PDFs and spreadsheets

• No receivables token, Your incoming payments don't work for you

• No stablecoin integration, Volatility remains your problem

• Limited POS solutions, Small businesses get left behind

These platforms solve the "accept crypto" problem. They don't solve the "run your entire business on Web3" problem.

Enter Larecoin: The Actual Fee Killer

This is where the game changes.

Larecoin isn't just another payment processor. It's a complete Web3 global payments ecosystem built specifically for merchants who want financial sovereignty.

The fee structure that actually delivers:

• Transaction fees that cut traditional processing costs by 50%+

• LUSD stablecoin integration for zero volatility risk

• Gas-only transfers that minimize overhead

• Push-to-card services for instant fiat access

We're not talking about going from 3% to 0.5%. We're talking about a system designed from the ground up to reduce merchant interchange fees at every level.

LUSD Stablecoin Benefits: Why Volatility Doesn't Have to Be Your Problem

NOWPayments and CoinPayments let you accept crypto. Great.

But what happens when Bitcoin drops 10% between the time you receive payment and the time you convert to fiat?

You eat that loss.

Larecoin's LUSD stablecoin eliminates this entirely. Payments settle in a stable asset. Your revenue stays your revenue.

LUSD advantages:

• Pegged stability for predictable accounting

• Instant settlement without exchange delays

• Direct integration with merchant portals

• No conversion fees eating into your margins

For merchants running tight margins, this isn't a feature. It's survival.

NFT Receipts for Accounting: The Future Is Already Here

Here's something neither NOWPayments nor CoinPayments offers.

NFT receipts.

Every transaction generates an immutable, blockchain-verified receipt. No more lost invoices. No more disputes about payment dates. No more reconciliation nightmares.

What NFT receipts for accounting actually means:

• Permanent, tamper-proof transaction records

• Instant verification for audits

• Automated integration with accounting software

• Complete transparency for B2B relationships

Your accountant will thank you. Your auditors will love you. Your competitors will wonder how you got so organized.

Self-Custody Without the Complexity

NOWPayments gets credit for offering non-custodial services. CoinPayments plays it safe with custodial management.

Larecoin gives you both options, without compromise.

Self-custody merchant accounts on Larecoin mean:

• You hold your keys

• You control your funds

• Immediate access without withdrawal delays

• No platform risk

But unlike raw self-custody, you get a full merchant portal. Dashboard analytics. Transaction management. Customer tools.

The security of self-custody. The convenience of managed services.

The Receivables Token: Your Money Working for You

This is the feature that makes finance teams pay attention.

Traditional payment processors hold your money. Sometimes for days. Sometimes longer. That's capital sitting idle when it could be working.

Larecoin's receivables token changes this equation.

How it works:

• Incoming payments generate tokenized receivables

• These tokens can be used as collateral

• Access liquidity without waiting for settlement

• Your cash flow becomes an asset, not a liability

For businesses managing inventory, payroll, or supplier payments, this is a game-changer. Your incoming revenue starts working the moment it's confirmed on-chain.

Crypto POS System for Small Business: Finally, a Real Solution

Enterprise solutions are everywhere. Small business solutions? Not so much.

NOWPayments and CoinPayments both focus heavily on eCommerce integrations. Shopify plugins. WooCommerce extensions. API access for developers.

Great for online merchants. Less great for the coffee shop down the street.

Larecoin's crypto POS system for small business fills this gap:

• Contactless point-of-sale integration

• Simple setup without technical expertise

• Real-time conversion options

• Customer-facing displays for seamless checkout

Brick-and-mortar merchants deserve Web3 tools too.

The Comparison That Actually Matters

Feature	NOWPayments	CoinPayments	Larecoin
Base Transaction Fee	0.5%	0.5%	50%+ reduction vs traditional
Custody Model	Non-custodial	Custodial	Both options
Stablecoin Integration	Limited	Limited	Native LUSD
NFT Receipts	No	No	Yes
Receivables Token	No	No	Yes
Small Business POS	Limited	Limited	Full support
Crypto Support	300+	Extensive	Multi-chain

The numbers speak for themselves.

Bank-Free Business Operations: The Real Goal

Here's what merchants actually want.

Not just lower fees. Not just crypto acceptance.

Financial sovereignty.

The ability to run a business without traditional banking infrastructure. Without the holds. Without the chargebacks. Without the account freezes.

Larecoin delivers this through:

• Direct merchant-to-customer transactions

• No intermediary bank relationships required

• Global reach without currency conversion hassles

• Complete control over your financial operations

This is what a real NOWPayments alternative looks like. This is what a genuine CoinPayments alternative delivers.

The Bottom Line

NOWPayments and CoinPayments both offer legitimate crypto payment processing. They've earned their market positions. They serve their customers.

But if your goal is to actually reduce merchant interchange fees by 50%+, they're not the answer.

If you want NFT receipts for accounting, LUSD stablecoin benefits, self-custody merchant accounts, and a receivables token that makes your money work harder: there's only one choice.

Ready to see what real Web3 global payments look like?

Explore Larecoin and discover why merchants are making the switch.

Your fees are too high. Your tools are outdated. Your competitors are already moving.

Time to catch up.