CoinPayments Vs Larecoin: Which Web3 Payments Solution Actually Slashes Your Interchange Fees?

Interchange fees are killing your margins. Every swipe. Every tap. Every transaction.

Traditional payment processors? They're eating 2.5% to 3.5% of every sale. That's thousands of dollars vanishing from your bottom line annually.

Web3 payment solutions promise relief. But not all crypto payment gateways deliver the same savings.

Today we're putting CoinPayments head-to-head with Larecoin. No fluff. Just the numbers that matter to your business.

The Interchange Fee Problem Every Merchant Faces

You know the drill. Customer pays $100. You receive $96.50. Sometimes less.

Credit card networks, issuing banks, acquiring banks, everyone takes a cut before you see your money. That's the traditional payment stack working exactly as designed.

Against you.

Crypto payments were supposed to fix this. Decentralized. Peer-to-peer. No middlemen.

But many crypto payment processors just replaced one set of fees with another. Different name. Same problem.

Let's see how CoinPayments and Larecoin actually stack up.

CoinPayments: The Established Player

CoinPayments has been around since 2013. They've processed billions in crypto payments. Solid track record.

Their fee structure:

• 0.5% to 1% processing fee on all transactions

• Network fees on top of that

• Withdrawal fees depending on cryptocurrency

For a business processing $500,000 annually? You're looking at roughly $2,500 to $5,000 in processing fees alone.

Better than Visa or Mastercard? Absolutely.

But here's the catch. CoinPayments uses a custodial model. They hold your funds. You wait for settlement. Sometimes minutes. Sometimes hours.

Your money sits in someone else's wallet until they decide to release it.

That's not the crypto freedom merchants signed up for.

Larecoin: The Gas-Only Revolution

Larecoin flips the script entirely.

No percentage-based processing fees. None.

The fee structure is radically simple: pay network gas fees only.

That's it. That's the whole cost.

For that same $500,000 in annual volume? Larecoin estimates costs under $2,000. That's a 50%+ reduction compared to CoinPayments.

But the real difference isn't just the numbers. It's the architecture.

Self-Custody: Your Keys, Your Crypto, Your Business

Here's where things get interesting.

CoinPayments holds your funds in their custody until withdrawal. Standard practice for most crypto processors.

Larecoin? Full self-custody from transaction one.

Customer pays. Funds hit your wallet. Immediately. No intermediary holding period. No third-party custody risk.

You control your private keys. You control your funds. You control your business.

This isn't just philosophy. It's practical protection against:

• Exchange hacks

• Platform insolvency

• Frozen accounts

• Withdrawal delays

Your crypto. Your wallet. Your rules.

The Fee Comparison Breakdown

Let's put the numbers side by side:

Feature	CoinPayments	Larecoin
Processing Fees	0.5% - 1%	Gas fees only
Annual Cost ($500K volume)	~$5,000	Under $2,000
Custody Model	Custodial	Full self-custody
Settlement Speed	Minutes to hours	Near-instant
Stablecoin Support	Third-party solutions	Native LUSD
Network Fee Customization	No	Yes

The math speaks for itself.

But wait: there's more to consider than raw percentages.

LUSD: Stablecoin Integration That Actually Works

Volatility kills crypto adoption for merchants. Nobody wants to accept Bitcoin at $95,000 and see it drop to $88,000 before they can convert.

CoinPayments offers stablecoin support through third-party integrations. Works. But adds complexity and potential points of failure.

Larecoin built LUSD natively into the ecosystem.

Native stablecoin integration means:

• Instant conversion without leaving the platform

• Reduced slippage

• Simplified accounting

• Price stability for your receivables

Accept crypto. Settle in LUSD. Sleep soundly.

No more checking charts at 3 AM wondering if your daily revenue just dropped 8%.

NFT Receipts: The Future of Transaction Records

Here's something CoinPayments simply doesn't offer.

Larecoin provides NFT receipts for transactions.

Every payment generates a unique, verifiable, immutable record on the blockchain. Not a PDF. Not a database entry. An actual non-fungible token proving the transaction occurred.

Why does this matter?

For disputes: Undeniable proof of payment. Customer claims they never received service? Show the NFT receipt. Case closed.

For accounting: Automated, blockchain-verified transaction records. Your accountant will thank you.

For compliance: Permanent audit trail. Regulators want documentation? You've got cryptographic proof of every transaction ever processed.

This isn't gimmicky. It's genuinely useful infrastructure that traditional payment rails can't replicate.

Processing Speed: Near-Instant vs. Wait-and-See

Time is money. Literally.

CoinPayments processes transactions in minutes to hours depending on blockchain confirmation requirements and their internal settlement procedures.

Larecoin delivers near-instant settlement directly to your self-custody wallet.

Customer scans. Signs. Done.

No waiting for CoinPayments to release your funds. No checking back later to confirm settlement.

For high-volume merchants, this difference compounds quickly. Faster access to working capital. Better cash flow management. More operational flexibility.

Network Fee Customization: Control Your Costs

Blockchain network fees fluctuate. Sometimes gas is cheap. Sometimes it's expensive.

CoinPayments doesn't offer network fee customization. You pay what you pay.

Larecoin lets merchants customize network fee settings. Process during low-congestion periods. Batch transactions strategically. Optimize your costs based on actual network conditions.

This granular control adds up across thousands of transactions annually.

Small optimizations. Big savings.

The Real-World Impact on Your Business

Let's break down what switching from CoinPayments to Larecoin actually means:

For a $500K/year business:

• CoinPayments: ~$5,000 in annual processing fees

• Larecoin: Under $2,000 in network fees

• Annual savings: $3,000+

For a $2M/year business:

• CoinPayments: ~$10,000 - $20,000 annually

• Larecoin: Under $8,000 in network fees

• Annual savings: $2,000 - $12,000+

That's money back in your pocket. Not padding someone else's revenue stream.

Reinvest it. Hire someone. Buy inventory. Run ads. Actually grow your business.

Merchant Freedom and Independence

This is what Web3 payments were always supposed to deliver.

Not just lower fees. Independence.

Independence from:

• Percentage-based processing gouging

• Third-party custody risks

• Settlement delays

• Platform lock-in

• Centralized control over your funds

Larecoin was built for merchants who want actual freedom. Not just marketing buzzwords about decentralization while still operating like a traditional payment processor with crypto skin.

Your business. Your terms. Your wallet.

Making the Switch

Ready to stop paying interchange fees that eat your margins?

Head to Larecoin and explore the ecosystem.

Check out the official announcements for the latest updates on merchant onboarding.

Dive into Larecoin economics to understand how the fee structure actually works.

Questions? The community is active and ready to help.

Web3 payments are here. The only question: are you going to keep paying unnecessary fees, or are you ready to actually slash your interchange costs?

The math is simple. The choice is yours.