CoinPayments Alternative: How Larecoin Reduces Merchant Interchange Fees by 50%+ in 2026

Merchants Are Bleeding Money on Payment Fees

Traditional payment processors steal 2.5-3.5% of every transaction. Plus fixed fees.

CoinPayments? Still charges 0.5% per transaction. Withdrawal fees on top. Conversion fees. Hidden costs everywhere.

Larecoin changes everything.

Gas-only transactions. Layer 1 blockchain. LUSD stablecoin integration.

Result? 50%+ fee reduction compared to legacy crypto payment processors.

The CoinPayments Fee Problem

CoinPayments claims to be "crypto-friendly." But look closer.

Their fee structure:

• 0.5% transaction fee minimum

• Withdrawal fees (varies by coin)

• Conversion fees if you want fiat

• Monthly fees for certain features

• Additional charges for instant conversions

Process $1 million annually? You're paying $5,000+ in platform fees alone.

That's before withdrawal costs. Before conversion. Before fiat settlement.

Larecoin's approach: 0.5-1.5% total.

No hidden charges. No withdrawal fees within the ecosystem. No conversion markups for LUSD.

How Larecoin Achieves 50%+ Savings

Simple: Cut out the middlemen.

Traditional processors route payments through banks, card networks, payment gateways, and processors. Each layer takes a cut.

CoinPayments and NOWPayments add another layer on top of blockchain networks. More fees.

Larecoin built its own Layer 1 blockchain: LareBlocks.

Direct settlement. Decentralized consensus. No rent-seeking intermediaries.

The Technology Stack

LARE Token: Native cryptocurrency for the Larecoin ecosystem. Powers all transactions.

LUSD Stablecoin: Dollar-pegged stability without external dependencies. Instant conversion between LARE and LUSD within the ecosystem.

LareBlocks: Custom Layer 1 infrastructure. Optimized for payments. Not renting space on Ethereum or Binance Smart Chain.

Push-to-Card Settlement: Crypto converts to fiat instantly. Direct bank deposit. No manual exchange process.

Result? Fraction-of-a-penny gas fees instead of percentage-based processing charges.

Real Savings Breakdown

Let's run the numbers.

Small Business: $10K Monthly Revenue

Traditional Credit Cards:

• Fees: 2.9% + $0.30 per transaction

• Monthly cost: $290-$350

CoinPayments:

• 0.5% transaction fee: $50

• Withdrawal fees: $10-$20

• Monthly cost: $60-$70

Larecoin:

• Gas fees: $5-$10

• Zero withdrawal fees (LUSD to bank)

• Monthly cost: $5-$10

Savings vs CoinPayments: 85%+

Medium Business: $100K Monthly Revenue

Traditional:

• Monthly cost: $2,900-$3,500

CoinPayments:

• Transaction fees: $500

• Withdrawal/conversion: $100-$200

• Monthly cost: $600-$700

Larecoin:

• Gas fees: $50-$75

• Zero additional fees

• Monthly cost: $50-$75

Savings vs CoinPayments: 89%

Enterprise: $1M Monthly Revenue

Traditional:

• Monthly cost: $29,000-$35,000

CoinPayments:

• Transaction fees: $5,000

• Additional fees: $1,000-$2,000

• Monthly cost: $6,000-$7,000

Larecoin:

• Gas fees: $500-$750

• Monthly cost: $500-$750

Savings vs CoinPayments: 88%

Pattern's clear. Larger volume = bigger savings.

Why Layer 1 Infrastructure Matters

CoinPayments runs on existing blockchains. Ethereum, Bitcoin, Litecoin, etc.

Problem: You pay network fees set by those chains.

Ethereum gas spikes? Your costs spike. Bitcoin congestion? Your customers wait.

Larecoin controls the entire stack.

LareBlocks optimizes for payment transactions. Fast confirmation. Predictable fees. No external dependencies.

LUSD transactions cost pennies because the blockchain is purpose-built for payments. Not competing with NFT mints or DeFi swaps for block space.

The Stablecoin Advantage

Most crypto processors force you to accept volatile coins, then convert to stablecoins, then convert to fiat.

Three conversion points. Three fee opportunities.

LUSD eliminates two steps.

Customer pays in LUSD → You receive dollars. One step. One minimal gas fee.

Or customers pay in LARE → Instant conversion to LUSD within ecosystem → You receive dollars.

Zero external conversion fees.

NFT Receipts: The Hidden Value

Every Larecoin transaction generates an NFT receipt.

Not just a gimmick. Blockchain-verified accounting.

Benefits:

Dispute Resolution: Customer claims they didn't receive something? Check the NFT receipt. Immutable proof of transaction details.

Tax Compliance: Every transaction recorded on-chain. Export complete transaction history in seconds. No manual reconciliation.

Chargeback Protection: Crypto transactions are final. NFT receipts provide additional verification layer.

Reduced Administrative Overhead: Automated record-keeping saves hours of bookkeeping.

CoinPayments gives you transaction IDs. Larecoin gives you programmable, verifiable, tradeable receipts.

Self-Custody and Merchant Independence

CoinPayments holds your funds. You request withdrawals. They process them.

You're asking permission to access your money.

NOWPayments? Same model. Custodial control.

Larecoin Difference: True Self-Custody

Your wallet. Your keys. Your funds.

Payments arrive directly to your address. No middleman holding your money.

Want to withdraw? Just send it. No approval required. No waiting periods. No withdrawal fees within the Larecoin ecosystem.

This isn't just philosophical. It's practical.

Financial sovereignty means:

• No frozen accounts

• No delayed payments

• No platform risk

• No "terms of service" changes that hurt your business

Your business. Your control.

Feature-by-Feature Comparison

CoinPayments vs Larecoin

Transaction Fees:

• CoinPayments: 0.5% minimum

• Larecoin: Gas-only (fraction of a penny)

Withdrawal Fees:

• CoinPayments: Varies by coin

• Larecoin: Zero (within ecosystem)

Settlement Speed:

• CoinPayments: Varies by blockchain

• Larecoin: <5 seconds

Fiat Conversion:

• CoinPayments: Additional fees

• Larecoin: Push-to-Card included

Custody:

• CoinPayments: Platform holds funds

• Larecoin: Self-custody

Receipt Verification:

• CoinPayments: Transaction ID

• Larecoin: NFT receipt with full metadata

Supported Coins:

• CoinPayments: 2,000+

• Larecoin: LARE, LUSD (optimized pair)

Monthly Fees:

• CoinPayments: Some features locked

• Larecoin: Zero platform fees

NOWPayments Comparison

NOWPayments markets lower fees than CoinPayments. Reality? Still bleeding merchants dry.

Their structure:

• 0.4-0.5% transaction fee

• Network fees passed to merchant or customer

• Conversion fees for fiat

• Custodial model

The catch: Network fees aren't fixed. When Ethereum spikes, merchants or customers eat the cost.

Larecoin's Layer 1 infrastructure eliminates network fee volatility.

LareBlocks maintains consistent, predictable costs. No surprises. No gas price roulette.

The 2026 Crypto Payments Landscape

Traditional processors are dinosaurs.

Early crypto processors like CoinPayments and NOWPayments? Still building on legacy models.

They added crypto support to existing payment gateway infrastructure. Band-aid solution.

Larecoin rebuilt from the ground up.

Purpose-built blockchain. Native stablecoin. Self-custody design. NFT integration.

This is what Web3 payments look like when you're not compromising with Web2 infrastructure.

Calculating Your Savings

Visit Larecoin's merchant solutions to run your numbers.

Input your monthly volume. See exact savings vs CoinPayments, NOWPayments, and traditional processors.

The calculator factors in:

• Current processor fees

• Transaction volume

• Average transaction size

• Withdrawal frequency

• Fiat conversion needs

Most merchants see $20K-$30K annual savings on $1M revenue.

Larger operations? Six-figure savings aren't uncommon.

Getting Started Takes Minutes

Step 1: Create Larecoin wallet Step 2: Generate payment address or QR code Step 3: Start accepting LARE and LUSD Step 4: Auto-convert to fiat with Push-to-Card

No complex integration. No months of development. No compliance headaches.

Join the Larecoin ecosystem and start saving today.

The Bottom Line

CoinPayments and NOWPayments served their purpose. Early crypto adoption. Basic merchant tools.

But it's 2026.

Merchants need true Web3 solutions. Self-custody. Transparent fees. Native blockchain infrastructure.

Larecoin delivers 50%+ fee savings not through marketing tricks, but through fundamental technological advantages.

Layer 1 blockchain. Purpose-built stablecoin. Gas-only transactions. Zero intermediary markup.

Your business deserves better than legacy crypto processors.

Explore the Larecoin Marathon insights or dive into our merchant interchange fee guide.

Cut your payment fees in half. Keep your financial sovereignty.

That's the Larecoin difference.