Can a Receivables Token Really Help You Ditch Payment Processors? Find Out Here

Payment processors. Love them or hate them, most merchants hate them.

The fees. The delays. The lack of control. Every transaction chipped away by intermediaries who add zero value to your business.

But here's the thing. There's a new wave of decentralized solutions emerging. Receivables tokens are at the center of it. And Larecoin is leading the charge.

Let's break down whether this tech can actually free you from payment processor chains.

The Payment Processor Problem

Traditional processors like Stripe, Square, and PayPal take 2.5–3.5% per transaction. That adds up fast.

Sell $100,000 monthly? You're losing $2,500–$3,500. Every. Single. Month.

It gets worse:

• Settlement delays , Your money sits in limbo for days

• Chargebacks , Processors side with customers, not you

• Account freezes , One dispute and your funds are locked

• Zero transparency , Black-box fee structures

Crypto payment gateways promised a fix. NOWPayments and CoinPayments entered the scene. Lower fees. More options.

But they still operate as middlemen. You're still trusting a third party with your revenue stream.

Enter the Receivables Token

Traditional receivables tokenization? That's a financing tool. Convert unpaid invoices into digital assets. Sell them to investors. Get cash now.

Larecoin flips this concept.

The Larecoin Receivables Token isn't about factoring invoices. It's about creating a direct payment channel between merchants and customers.

Here's the difference:

• No intermediary holding your funds

• Instant settlement on-chain

• Full self-custody from the moment payment hits

• Verifiable, immutable transaction records

You're not tokenizing future payments to borrow against them. You're receiving payments directly, as tokens, without anyone skimming off the top.

How Larecoin's System Actually Works

Simple mechanics. Powerful results.

1. Customer initiates payment , They send LARE tokens or LUSD (Larecoin's stablecoin)

2. Smart contract executes , Payment routes directly to your wallet

3. NFT receipt generated , Both parties receive cryptographic proof

4. Funds available immediately , No holds, no delays

That's it. No payment gateway login. No waiting for batch settlements. No surprise fee deductions.

The blockchain handles verification. You handle your business.

Comparing the Competition: NOWPayments vs CoinPayments vs Larecoin

Let's get specific. How does Larecoin stack up against popular crypto payment processors?

NOWPayments

The Good:

• Supports 150+ cryptocurrencies

• Recurring payments available

• API integrations for e-commerce

The Problem:

• 0.5–1% processing fees

• Custodial by default

• Funds route through their system first

• Auto-conversion to fiat adds additional costs

CoinPayments

The Good:

• Multi-coin support

• Shopping cart plugins

• $PayByName feature

The Problem:

• 0.5% transaction fee (minimum)

• Vault fees for storage

• Conversion fees stack up

• Still a custodial middleman

Larecoin

The Difference:

• Gas-only transfers , No percentage-based fees

• True self-custody , Funds hit YOUR wallet

• LUSD stablecoin , Avoid volatility without conversion fees

• NFT receipts , Immutable proof of every transaction

• No intermediary , Direct peer-to-peer settlement

The math is simple. NOWPayments and CoinPayments charge fees on every transaction. Larecoin charges gas, a fraction of a cent on Solana.

Process $100,000 monthly through NOWPayments at 0.5%? That's $500 gone.

Through Larecoin? A few dollars in gas fees. Total.

The Self-Custody Revolution

This is the real game-changer.

With NOWPayments, CoinPayments, and virtually every other crypto processor, your payments flow through their wallets first. They control your funds until they don't.

Account flagged? Funds frozen. Terms of service changed? Adapt or lose access. Platform hacked? Your revenue is at risk.

Larecoin eliminates this entirely.

Self-custody means:

• You control private keys

• Payments arrive directly in your wallet

• No third party can freeze, hold, or seize your funds

• True financial sovereignty

For merchants burned by payment processor shenanigans, this is freedom.

NFT Receipts: Beyond Paper Trails

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A fundamental upgrade.

Why NFT receipts matter:

• Immutable proof , Can't be altered or deleted

• On-chain verification , Auditable by anyone, anytime

• Dispute resolution , Cryptographic evidence of payment

• Tax documentation , Clean records for compliance

Traditional receipts? Emails get lost. PDFs get corrupted. Databases crash.

NFT receipts live on the blockchain. Forever.

LUSD: Stability Without Compromise

Crypto volatility scares merchants. Understandably.

Accept Bitcoin today. Worth 10% less tomorrow. That's not sustainable.

LUSD, Larecoin's native stablecoin, solves this.

Key benefits:

• Pegged to USD value

• No conversion fees to fiat

• Instant settlement

• Self-custodied in your wallet

Accept payments in LUSD. Hold LUSD. Spend LUSD.

No volatility. No conversion friction. No third-party stablecoin issuer freezing your assets.

Real Talk: What About Fiat Off-Ramps?

Fair question. You still need to pay rent. Suppliers. Employees.

Larecoin's ecosystem includes push-to-card functionality. Convert LUSD to fiat when you need it. On your terms. On your timeline.

Not forced auto-conversions eating into your margins. Strategic liquidity management controlled by you.

Getting Started: Your Path to Payment Freedom

Ready to ditch the processors?

Step 1: Set up a Solana-compatible wallet (Phantom, Solflare, etc.)

Step 2: Visit Larecoin.com to explore integration options

Step 3: Configure your payment flow, accept LARE, LUSD, or both

Step 4: Start receiving payments directly to your wallet

Step 5: Watch your fees plummet

No lengthy applications. No underwriting. No waiting weeks for approval.

Just set up and go.

The Bottom Line

Can a receivables token really help you ditch payment processors?

With Larecoin, yes.

This isn't traditional receivables tokenization. It's not about financing against future payments. It's about receiving payments directly: without intermediaries taking their cut.

What you get:

• Gas-only fees instead of percentage-based cuts

• True self-custody from moment of payment

• NFT receipts for bulletproof documentation

• LUSD stability without conversion headaches

• Complete independence from third-party platforms

NOWPayments and CoinPayments were steps in the right direction. But they're still middlemen. Still taking fees. Still holding your funds.

Larecoin is the next evolution. Direct. Decentralized. Yours.

The choice is clear. Keep feeding the payment processor machine. Or take control of your revenue stream.

Explore the ecosystem:Larecoin Blog | Crypto Hub

Your payments. Your wallet. Your rules.