CoinPayments Vs Larecoin: Which Web3 Payment Solution Actually Slashes Your Interchange Fees by 50%?

Let's cut to the chase.

You're bleeding money on interchange fees. Traditional processors take 2.5-3.5% of every transaction. That's $12,500 to $17,500 annually on just $500K in volume.

Both CoinPayments and Larecoin promise relief. But only one actually delivers that 50%+ fee reduction merchants keep hearing about.

Time to break it down.

The Interchange Fee Problem

Every swipe. Every tap. Every online checkout.

Traditional payment processors extract their cut. Visa, Mastercard, and their intermediaries have built an empire on these fees.

For small businesses, this is death by a thousand cuts.

Web3 payment solutions emerged as the alternative. Blockchain-based. Decentralized. Supposedly cheaper.

But here's where merchants get confused: not all crypto payment processors are created equal.

Some just replaced one middleman with another.

CoinPayments: The Legacy Crypto Processor

CoinPayments has been around since 2013. They support 100+ cryptocurrencies. Solid track record.

But let's talk fees.

CoinPayments charges 0.5-1% processing fees.

Sounds good compared to 3%, right?

Here's the catch: they operate as a custodial intermediary.

What does that mean?

• Your funds sit in their system during processing

• You're dependent on their infrastructure

• Settlement takes minutes to hours depending on blockchain congestion

• You pay percentage-based fees on every transaction

For $500K in annual volume, expect around $5,000 in processing costs.

Better than traditional processors. But still substantial.

Larecoin: The Gas-Only Model

Larecoin flips the script entirely.

No percentage-based fees. Zero intermediary charges. Just network gas fees.

That same $500K volume? Under $2,000 annually.

The difference: approximately $3,000 in additional savings compared to CoinPayments.

And compared to traditional processors? You're looking at $10,000+ in savings.

That's the real 50%+ reduction everyone's talking about.

Breaking Down the Numbers

Here's the annual cost comparison for a business processing $500,000:

Platform	Fee Model	Annual Cost
Traditional Processors	2.5-3.5%	$12,500-$17,500
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas-only	Under $2,000

The math speaks for itself.

CoinPayments offers 60% savings over traditional processors.

Larecoin delivers 85%+ savings over traditional processors and 60% savings over CoinPayments.

For growing merchants, that difference compounds fast.

The Architecture That Makes It Possible

Why can Larecoin charge so much less?

Self-custody.

With CoinPayments, funds flow through their custodial system. They hold your money temporarily. They process the transaction. They take their cut. Then they release funds to you.

With Larecoin, funds go directly to your wallet. No middleman touching your money. No custodial delays. No percentage skimmed off the top.

You pay network gas fees only. On Solana, that's fractions of a cent per transaction.

This isn't just about savings. It's about financial sovereignty.

Your money. Your wallet. Your control.

Self-Custody Merchant Accounts: The Real Game-Changer

Traditional merchant accounts come with strings attached.

Processing holds. Rolling reserves. Chargeback liabilities. Account freezes.

Self-custody merchant accounts through Larecoin eliminate these headaches:

• Instant settlement: Funds hit your wallet immediately

• No processing holds: Your money isn't locked up for days

• Zero rolling reserves: Keep 100% of your capital working

• Full control: No third party can freeze your funds

For small businesses operating on tight margins, this changes everything.

Cash flow improves overnight. Working capital stays available. Growth becomes sustainable.

Beyond Fees: The LUSD Stablecoin Advantage

Crypto volatility scares merchants.

Understandable. Nobody wants to accept $1,000 in payments and wake up to $800 in value.

Larecoin's LUSD stablecoin solves this.

Price-stable. Dollar-pegged. Zero volatility risk.

Accept payments in LUSD and your revenue stays predictable. No more watching charts nervously. No more conversion timing games.

Plus, LUSD transfers use that same gas-only model. Cheap. Fast. Reliable.

NFT Receipts: Accounting Made Simple

Here's something CoinPayments can't match: NFT receipts for accounting.

Every transaction generates an immutable, blockchain-verified receipt.

What does this mean for your business?

• Automated record-keeping: Every transaction is logged permanently

• Audit-proof documentation: Blockchain verification beats paper trails

• Tax compliance simplified: Clear, timestamped records for every sale

• Dispute resolution: Irrefutable proof of transaction completion

Your accountant will thank you. Your auditor will love you.

Crypto POS System for Small Business

Point-of-sale integration matters.

CoinPayments offers plugins and integrations. Standard stuff.

Larecoin takes it further with a dedicated crypto POS system for small business operations:

• Contactless payments

• QR code scanning

• Real-time conversion displays

• Multi-currency acceptance

• Direct wallet settlement

No expensive hardware. No complex setup. Just download, connect your wallet, and start accepting payments.

Physical retail. Pop-up shops. Markets and events. The system scales with you.

The Receivables Token Innovation

Larecoin introduced something genuinely novel: receivables tokens.

Your future payments become tradeable assets.

What does this unlock?

• Instant liquidity: Convert pending receivables to immediate capital

• Business financing: Leverage receivables without traditional loans

• Cash flow management: Smooth out revenue irregularities

• Growth funding: Access capital based on actual business performance

Traditional factors charge 3-5% for receivables financing. Larecoin's tokenized approach slashes that cost dramatically.

It's DeFi meeting real-world business needs.

Who Wins This Comparison?

Let's be direct.

CoinPayments is a solid CoinPayments alternative to traditional processors. Established. Reliable. Decent fee savings.

Larecoin represents the next generation. Gas-only fees. Full self-custody. NFT receipts. Stablecoin integration. Receivables tokenization.

If you're looking to reduce merchant interchange fees by the maximum amount possible, the choice is clear.

If you want bank-free business operations with complete financial sovereignty, only one platform delivers.

The Bottom Line

CoinPayments: 60% savings over traditional processors.

Larecoin: 85%+ savings over traditional processors, plus self-custody, NFT receipts, and receivables tokenization.

For merchants processing significant volume, that 25% difference adds up fast.

$500K annually? Save an extra $3,000+ with Larecoin.

$1M annually? That's $6,000+ in additional savings.

$5M? You're looking at $30,000+ staying in your pocket instead of feeding intermediaries.

Ready to Slash Your Fees?

The Web3 payments landscape keeps evolving.

CoinPayments served a purpose. It introduced merchants to crypto payments.

Larecoin pushes the industry forward. True self-custody. Real fee elimination. Genuine financial sovereignty.

Your customers are ready for Web3 payments. Your competitors are already exploring options.

The question isn't whether to adopt crypto payments.

It's which solution actually delivers on the promise.

Explore Larecoin at larecoin.com and see the difference for yourself.