Decentralized Payments Secrets Revealed: Why Merchants Are Ditching NOWPayments and CoinPayments to Cut Fees by 50%

Let's cut to the chase.

You're bleeding money on payment processing. Every. Single. Transaction.

Traditional card processors? 2.5-3.5% per swipe. Crypto gateways like NOWPayments and CoinPayments? Still charging 0.5-1% with hidden fees lurking beneath the surface.

Smart merchants are waking up. They're discovering a different path. One that slashes fees by 50% or more while putting them back in control of their funds.

Welcome to the self-custody revolution.

The Hidden Cost Problem Nobody Talks About

Here's what NOWPayments and CoinPayments won't tell you upfront.

That 0.5% service fee? It's just the beginning.

• Conversion fees when settling to fiat

• Gas fees for on-chain transactions

• Withdrawal fees to access YOUR money

• Third-party custody risks

Add it all up. You're looking at 1-2% disappearing from every sale. For a business doing $500K annually, that's $5,000-$10,000 walking out the door.

Merchants running lean operations can't afford this. Neither can you.

Why "Crypto Payment Processors" Still Play the Old Game

Here's the dirty secret.

Most crypto payment gateways operate exactly like traditional processors. They hold your funds. They control the conversion. They dictate when you get paid.

CoinPayments gained popularity years ago. But merchants report inconsistent processing times. Variable fees that change without notice. Support tickets that go unanswered for days.

NOWPayments improved on some fronts. Supports 300+ cryptocurrencies. Offers a non-custodial option. Processing averages five minutes.

Still not enough.

Both platforms rely on third-party infrastructure. Both create friction between you and your money. Both leave merchants dependent on centralized systems in a supposedly decentralized world.

The irony is thick.

Self-Custody: The Non-Negotiable Feature for 2026

Here's where things get interesting.

Self-custody means your funds land directly in your wallet. No middleman holding your revenue hostage. No approval process for withdrawals. No wondering if a platform will freeze your account.

This isn't just about convenience. It's about survival.

We've all seen what happens when centralized platforms fail. Funds locked. Access denied. Merchants scrambling to make payroll while their money sits in limbo.

Self-custody eliminates this risk entirely.

What merchants actually want:

• Instant settlement to their own wallet

• Zero third-party fund holding

• Complete transaction visibility

• Full control over conversion timing

Larecoin delivers all of this. Natively. Without workarounds or premium tiers.

The LUSD Stablecoin Advantage

Volatility kills commerce.

Accept Bitcoin today, wake up tomorrow with 10% less purchasing power. It's happened before. It'll happen again.

Most crypto gateways solve this by auto-converting to fiat. But that conversion costs money. And it puts your funds back in traditional banking rails.

LUSD changes the equation.

Larecoin's native stablecoin offers:

• Dollar-pegged stability without fiat conversion fees

• Gas-only transfers that minimize transaction costs

• Instant settlement directly to your wallet

• Push-to-card functionality when you need traditional spending power

No middleman taking a cut on conversion. No waiting for bank transfers. No exposure to crypto volatility.

Merchants keep more of every sale. Period.

NFT Receipts: Not a Gimmick: A Game Changer

Everyone thinks NFTs are just profile pictures and speculative art.

Wrong.

NFT receipts transform how merchants handle transactions. Every sale generates an immutable, blockchain-verified record that serves multiple purposes.

For Accounting:

• Automatic, tamper-proof transaction logs

• Simplified tax documentation

• Real-time revenue tracking on-chain

For Customer Experience:

• Proof of purchase that can't be forged

• Warranty verification built into the receipt

• Loyalty program integration

For Disputes:

• Indisputable transaction evidence

• Timestamp verification

• Complete payment trail

Traditional payment processors give you a CSV file. Maybe an API if you're lucky.

Larecoin gives you verifiable proof living on the blockchain forever.

The Real Math: How 50% Savings Actually Work

Let's break down the numbers.

Traditional Card Processing:

• Interchange fee: 1.5-2.5%

• Assessment fee: 0.13-0.15%

• Processor markup: 0.5-1%

• Total: 2.5-3.5% per transaction

Typical Crypto Gateway (NOWPayments/CoinPayments):

• Service fee: 0.5-1%

• Network gas fees: Variable

• Conversion fees: 0.5-1%

• Total: 1-2% per transaction

Larecoin Self-Custody Model:

• Gas-only transfers on Solana: ~$0.00025

• No service fees on self-custody

• No conversion fees with LUSD

• Total: Fraction of a percent

That's not 50% savings. That's closer to 90% on most transactions.

For high-volume merchants, we're talking tens of thousands in annual savings. Money that stays in your business instead of feeding intermediaries.

Why Solana Changes Everything

Speed matters. Cost matters more.

Larecoin built on Solana for a reason. Transaction finality in under a second. Gas fees measured in fractions of a penny. Throughput that handles enterprise-level volume without breaking a sweat.

Compare that to Ethereum-based payment solutions. $5-50 gas fees during congestion. Multi-minute confirmation times. Unpredictable costs that make budgeting impossible.

Solana's infrastructure means:

• Sub-second settlement for every transaction

• Predictable, negligible fees regardless of network traffic

• Scalability that grows with your business

No more choosing between decentralization and practicality.

What Smart Merchants Are Doing Right Now

The shift is happening. Quietly. Steadily.

Merchants tired of custodial risk are moving to self-custody solutions. Businesses done with conversion fees are adopting native stablecoins. Operations frustrated with opaque pricing are demanding transparency.

The common thread? Control.

Control over funds. Control over timing. Control over fees. Control over data.

This isn't about being anti-establishment or making a political statement. It's about running a smarter business. Keeping more revenue. Reducing dependency on systems that don't prioritize your interests.

Larecoin isn't just another payment processor trying to undercut competitors by basis points. It's infrastructure built for merchants who understand that Web3 payments should actually deliver Web3 benefits.

Ready to Stop Overpaying?

Here's the bottom line.

NOWPayments and CoinPayments served a purpose. They introduced merchants to crypto acceptance. They proved the model could work.

But they're still playing by old rules. Custodial systems. Hidden fees. Centralized control points.

The next generation of merchant payments looks different:

• True self-custody from day one

• LUSD stablecoin eliminating volatility and conversion costs

• NFT receipts providing verifiable transaction proof

• Solana speed at Solana prices

Merchants who move first capture the advantage. Lower costs. Better cash flow. Complete financial sovereignty.

The math doesn't lie. The technology is ready. The only question is how long you'll keep paying fees you don't have to pay.

Explore how Larecoin can transform your payment operations at larecoin.com.

Your margins will thank you.