Stop Overpaying for Crypto Payments: 5 Hidden Fees NOWPayments and CoinPayments Charge (That Larecoin Doesn't)

You think you're paying 0.5% or 1% for crypto payments?

Think again.

NOWPayments and CoinPayments advertise low rates. But the real costs hide in the shadows. At $1.2M in annual volume, NOWPayments hits you with $9,000 in fees. CoinPayments? Anywhere from $6,000 to $12,000.

Larecoin's take? Around $2,000.

The difference? We don't play the hidden fee game.

Fee #1: Network Fees Stacked on Transaction Fees

Both NOWPayments and CoinPayments charge their percentage-based fees PLUS blockchain network fees.

Double dipping at its finest.

You pay their cut. Then you pay the network. Every. Single. Transaction.

Larecoin charges approximately $0.00025 in gas costs. That's it. No percentage fee on top. No surprise charges when you withdraw.

Built on Solana for speed and minimal costs.

The math is brutal: On a $10,000 transaction, competitors charge their 0.5-1% fee ($50-$100) plus network fees ($5-$50 depending on congestion). That's $55-$150 per transaction.

Larecoin? Quarter of a penny.

Fee #2: Withdrawal Fees That Trap Your Money

Want to move your funds out of NOWPayments or CoinPayments?

Pay up.

Withdrawal fees exist to keep your crypto on their platforms. It's a retention strategy disguised as a service fee.

CoinPayments withdrawal fees:

• Bitcoin: 0.0005 BTC (~$20-$30)

• Ethereum: 0.006 ETH (~$15-$25)

• USDT: $25-$35 depending on network

Multiply that by monthly withdrawals. It adds up fast.

Larecoin offers direct settlement to your wallet. Zero withdrawal fees. Your money. Your custody. No middleman.

Self-custody isn't just a buzzword here. It's the architecture.

Fee #3: Conversion Costs and Hidden Spreads

Multi-currency transactions reveal the ugliest hidden fee.

Conversion spreads.

NOWPayments and CoinPayments embed markup in exchange rates. You think you're getting market rate? Check the actual spread: it's 1-3% above spot price.

They call it "convenience." We call it expensive.

Example: You receive $100,000 in USDC but need ETH. The spread costs you $1,000-$3,000 in hidden fees. Not disclosed upfront. Just gone.

Larecoin's ecosystem includes LUSD: our stable coin version pegged to USD. Predictable value. Transparent conversions. No hidden spreads eating your margins.

Need to swap? Our DEX integration shows you exact rates. No surprises.

Fee #4: Custody Fees for Holding Balances

NOWPayments charges custody fees for balances sitting in your account.

Read that again.

They charge you to hold YOUR money on THEIR platform.

It's designed to incentivize keeping funds in their ecosystem. More deposits. More fees. More control over your capital.

The trap: You can't withdraw without fees (see Fee #2). But you get charged for holding. Damned either way.

Larecoin operates differently. Self-custody wallets mean you control your keys. No balance minimums. No custody charges. No platform lock-in.

Your funds settle directly to wallets you control. Whether that's MetaMask, Phantom, or hardware wallets.

Plus: every transaction generates an NFT receipt. Immutable proof of payment. Built-in accounting. Zero extra cost.

Fee #5: Variable Fee Structures and Volume Traps

CoinPayments uses tiered pricing that changes based on volume.

Sounds good until you read the fine print.

Lower tiers pay higher percentages. Higher tiers unlock "better" rates: but come with withdrawal minimums that trap small balances.

The volume trap:

• Under $100K/month: 1% + network fees

• $100K-$500K: 0.75% + network fees

• Over $500K: 0.5% + network fees (but withdrawal minimums apply)

NOWPayments adds API limits on lower plans. Need more transactions? Upgrade and pay more.

Larecoin doesn't play tier games. Flat gas-only costs regardless of volume.

Processing $1,000 or $1,000,000? Same minimal gas fees apply.

No volume commitments. No hidden tier upgrades. No API throttling.

The Larecoin Difference: Built Different from Day One

We didn't just create another payment processor.

We built a Web3-native payment ecosystem.

Here's what that means:

Gas-Only Transfers Pay network costs only. No percentage cuts. No platform fees. No withdrawal charges.

NFT Receipts Every transaction mints proof of payment. Immutable. Auditable. Automatic.

LUSD Stability Price volatility killing your margins? LUSD offers stable value without conversion fees.

Self-Custody Your keys. Your crypto. Your control. No platform holds your funds hostage.

Push-to-Card Integration Need fiat off-ramps? Direct settlement to cards without multiple conversion steps.

US Compliance Leadership Registered MSB. State MTL strategy in progress. We're playing the long game with regulators.

While competitors cut corners, we're building infrastructure that lasts.

The Real Cost Comparison

Let's run the numbers on $1.2M annual processing:

NOWPayments:

• Platform fees: $6,000-$7,000

• Network fees: $1,200-$1,500

• Withdrawal fees: $800-$1,000

• Conversion spreads: $600-$1,000

• Total: ~$9,000

CoinPayments:

• Platform fees: $4,000-$8,000

• Network fees: $1,200-$2,000

• Withdrawal fees: $1,200-$1,500

• Conversion spreads: $800-$1,200

• Total: $6,000-$12,000

Larecoin:

• Gas costs: ~$2,000

• Platform fees: $0

• Withdrawal fees: $0

• Conversion spreads: $0

• Total: ~$2,000

Savings range from $4,000 to $10,000 annually.

At scale? The gap widens exponentially.

The Hidden Fee Tax Compounds

The real damage isn't individual fees.

It's the compounding effect.

Every conversion incurs spreads. Every withdrawal triggers fees. Every balance held costs custody charges. Network fees stack on transaction fees.

Death by a thousand cuts.

Merchants processing high volume feel it most. The advertised 0.5% rate becomes 2-3% real cost after hidden fees compound.

Larecoin eliminates the compound effect entirely.

Flat gas costs don't multiply. They don't compound. They don't hide.

Why This Matters for Your Business

Crypto payment adoption stalls when costs exceed benefits.

Traditional payment processors charge 2-3% plus interchange fees. If crypto "alternatives" match or exceed that after hidden fees, what's the point?

The promise of Web3 payments was cost reduction. Disintermediation. Direct settlement.

NOWPayments and CoinPayments became the new intermediaries. Collecting rents. Adding layers. Reintroducing friction.

Larecoin returns to first principles.

Peer-to-peer settlement. Minimal costs. Maximum control.

That's the Web3 global payments vision we're building.

Ready to Stop Overpaying?

The hidden fee game ends here.

Larecoin offers transparent, gas-only payment processing. NFT receipts. Self-custody. LUSD stability. US regulatory compliance.

Zero platform fees. Zero withdrawal fees. Zero custody charges. Zero conversion spreads.

Just crypto payments that actually save you money.

Visit larecoin.com to learn more about our ecosystem.

Join the Larecoin Marathon where we're documenting the Web3 payment revolution in real-time.

Want Larecoin gear? Check out our merchandise and represent the movement.

The future of payments doesn't charge you five different ways.

It charges you once. Transparently. Minimally.

That's Larecoin.