Are You Still Overpaying for Crypto Payment Processing? How Larecoin's Receivables Token Outperforms CoinPayments and NOWPayments

Let's cut to the chase.

You're probably bleeding money on payment processing fees. Every single transaction. Day after day.

Traditional crypto payment processors like CoinPayments and NOWPayments promised to fix this. They didn't. They just moved the problem somewhere else.

Welcome to Part 47 of the Larecoin 10-Year Blog Marathon. Today, we're breaking down exactly why Larecoin's receivables token architecture crushes the competition, and why your current payment processor might be the reason your margins are disappearing.

The Hidden Cost of "Crypto-Native" Payments

Here's what most merchants don't realize.

CoinPayments and NOWPayments operate on custodial models. Your money sits in their wallets. They decide when to release it. They control the flow.

Sound familiar? It should. It's the same old banking playbook dressed up in Web3 clothing.

The fees pile up:

• Interchange: 1.5-2.5%

• Assessment: 0.13-0.15%

• Processor markup: 0.2-0.5%

• Gateway fees: $0.10-0.30 per transaction

Total damage: 2-4% per transaction.

On $100,000 in monthly sales, you're hemorrhaging $2,000-$4,000. Every. Single. Month.

That's $24,000-$48,000 annually. Gone.

Why CoinPayments Falls Short

CoinPayments has been around since 2013. Ancient by crypto standards.

Their model? Accept crypto, take a cut, hold your funds, release when they feel like it.

The problems:

• Custodial risk: Your funds, their control

• Settlement delays: Days, not minutes

• Account freezes: One suspicious transaction and you're locked out

• Hidden fees: Conversion spreads eat into your margins

We've already done a deep dive comparison between CoinPayments and Larecoin. The results weren't pretty for CoinPayments.

Why NOWPayments Misses the Mark

NOWPayments positioned itself as the modern alternative. Newer. Sleeker. Same fundamental problems.

Their custodial architecture means:

• Your crypto passes through their wallets first

• They set withdrawal limits

• They can freeze accounts without warning

• You're trusting a third party with your revenue

Check out our NOWPayments vs Larecoin breakdown for the full comparison.

The bottom line? Neither platform solved the real problem. They just became the new middlemen.

Enter: Larecoin's Receivables Token

Here's where everything changes.

Larecoin built something fundamentally different. A receivables token that eliminates the middleman entirely.

No custodial wallets. No third-party control. No waiting for someone else to release YOUR money.

The fee structure speaks for itself:

• Gas fee: Minimal (Solana-based)

• Network fee: Near zero

• Intermediary fee: Zero

Total cost: Under 1% per transaction.

That's not a minor improvement. That's a 50-75% reduction in processing costs.

On that same $100,000 monthly volume? You keep an extra $1,000-$3,000. Every month. That's $12,000-$36,000 back in your pocket annually.

Self-Custody: The Game-Changer

Let's talk about what really matters: control.

With Larecoin's self-custody architecture:

• Funds settle directly to YOUR wallet

• No intermediary touches your revenue

• No account freezes or withdrawal limits

• No asking permission to access your own money

This is what financial sovereignty actually looks like.

CoinPayments and NOWPayments can't offer this. Their entire business model depends on holding your funds. Larecoin's doesn't.

Learn more about how receivables tokens unlock real merchant freedom.

NFT Receipts: Immutable Proof for Every Transaction

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

• Immutable records: On-chain proof that can't be altered or deleted

• Simplified accounting: Every transaction is timestamped and verified

• Dispute resolution: Undeniable evidence of payment completion

• Tax documentation: Clean, organized records for compliance

Traditional processors give you PDFs and spreadsheets. Larecoin gives you blockchain-verified proof.

No more "he said, she said" disputes. No more lost receipts. No more scrambling during tax season.

LUSD: Stability Meets Savings

Crypto volatility scares merchants. Understandably.

That's why Larecoin developed LUSD, a stablecoin version within the ecosystem.

Benefits of LUSD:

• Price stability pegged to USD

• Same low-fee infrastructure

• Instant settlement

• Tax-free receivables until fiat conversion

You get the benefits of crypto payment rails without the price swing anxiety.

Your customers pay. You receive LUSD. Value stays stable. Fees stay minimal.

Rigorous US Compliance: MSB and State MTL Strategy

Here's something CoinPayments and NOWPayments can't match: Larecoin's commitment to US regulatory compliance.

We're not operating in a gray area. We're building for the long haul.

Larecoin's compliance strategy includes:

• Money Services Business (MSB) registration with FinCEN

• State Money Transmitter License (MTL) pursuit across key jurisdictions

• Full AML/KYC infrastructure

• Transparent operations designed for regulatory clarity

Why does this matter to you?

Because the crypto payment space is maturing. Regulators are paying attention. Platforms operating without proper licensing will face consequences, and so will the merchants using them.

Larecoin is building a compliant foundation so you can operate with confidence. Today and tomorrow.

The Settlement Speed Advantage

Traditional payment processing: 3-5 business days for settlement.

CoinPayments: Variable. Depends on their internal processes.

NOWPayments: Better, but still subject to their withdrawal schedules.

Larecoin: Minutes.

Direct wallet settlement means your funds are available almost immediately. No waiting periods. No business day calculations. No weekends where your money sits in limbo.

Cash flow is king. Larecoin treats it that way.

Tax Advantages: Receivables vs. Revenue

Here's a detail most merchants overlook.

When you receive payment through traditional processors, that's taxable revenue immediately.

With Larecoin's receivables token structure, your crypto remains tax-free receivables until converted to fiat currency.

This gives you:

• More control over tax timing

• Flexibility in financial planning

• Potential advantages in tax-year optimization

Always consult your tax professional, but the structure creates options that traditional processors simply don't offer.

The Bottom Line: Why Larecoin Wins

Let's summarize what you get with Larecoin vs. CoinPayments and NOWPayments:

Feature	CoinPayments	NOWPayments	Larecoin
Custody Model	Custodial	Custodial	Self-Custody
Processing Fees	2-4%	2-4%	Under 1%
Settlement Speed	Days	Hours/Days	Minutes
Account Freeze Risk	Yes	Yes	No
NFT Receipts	No	No	Yes
US Compliance Focus	Limited	Limited	MSB + MTL Strategy
Withdrawal Limits	Yes	Yes	None

The choice seems obvious.

Ready to Stop Overpaying?

You've been leaving money on the table. Every transaction. Every day.

Larecoin's receivables token architecture solves what other crypto payment processors couldn't. Lower fees. True self-custody. Instant settlement. NFT receipts. Regulatory compliance.

This is what Web3 payments were supposed to be from the start.

Check out our complete comparison between Larecoin, CoinPayments, and NOWPayments for the full breakdown.

Or dive straight into how to reduce your merchant interchange fees by 50%.

Your margins are waiting.

---

This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we build the future of Web3 global payments.

Visit larecoin.com to learn more.