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

Interchange fees are bleeding your business dry.

Every swipe. Every tap. Every checkout. Traditional payment processors take 2.5% to 3.5% right off the top. On $500,000 in annual sales? That's $12,500+ gone. Poof.

Web3 payment solutions promise to fix this. But which one actually delivers?

Let's break down the three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

The Interchange Fee Problem Nobody Talks About

Here's the brutal truth. Traditional card networks built their infrastructure decades ago. They've been coasting on legacy rails ever since.

You're paying for:

• Card network fees

• Processor fees

• Interchange fees

• Assessment fees

• Gateway fees

It stacks up fast.

Web3 payment solutions eliminate most of these middlemen. But not all solutions are created equal.

The Quick Comparison

Platform	Processing Fee	Settlement Speed	Self-Custody	US Compliance
NOWPayments	0.5-1%	~5 minutes	Limited	Partial
CoinPayments	0.5-1%	Minutes to hours	Limited	Partial
Larecoin	Gas-only	Near-instant	Full	MSB + State MTL

The numbers tell a story. But let's dig deeper.

NOWPayments: The Flexible Option

NOWPayments has been a solid player in the space. They support 300+ cryptocurrencies. That's impressive.

What they do well:

• Customizable network fee options

• 0% payout fees

• Decent processing speed (~5 minutes average)

• API integrations for developers

Where they fall short:

• Still charging 0.5-1% processing fees

• Limited self-custody options

• Variable compliance depending on jurisdiction

• No native stablecoin infrastructure

For a business doing $500K annually, you're still looking at roughly $3,750 in fees. Better than traditional processors. But not optimal.

CoinPayments: The Veteran

CoinPayments has been around since 2013. They've got experience. They support 2,000+ cryptocurrencies. That's the biggest selection in the market.

What they do well:

• Massive cryptocurrency support

• Established reputation

• 0% payout fees

• Flat fee structure (0.5-1%)

Where they struggle:

• No customizable network fees

• Processing speeds vary wildly (minutes to hours)

• Aging infrastructure

• Limited innovation on compliance front

Same math applies. $500K in sales = ~$3,750 in fees.

Better than Visa and Mastercard. But still not cutting-edge.

Larecoin: The Architectural Advantage

Here's where things get interesting.

Larecoin doesn't just reduce fees. It eliminates the fee structure entirely.

Gas-only transfers. That's it. No percentage-based processing fees eating into your margins. You pay network gas on Solana: we're talking fractions of a cent per transaction.

On that same $500K in annual volume? Costs under $2,000. That's a 50%+ reduction compared to NOWPayments and CoinPayments. And an 84% reduction compared to traditional processors.

But fee savings are just the beginning.

The LUSD Advantage

Volatility kills crypto payments for merchants. You accept Bitcoin today. Tomorrow it's worth 15% less. That's not sustainable.

Larecoin solves this with LUSD: our native stablecoin pegged to the US dollar.

Why LUSD matters:

• Price stability for merchants and customers

• Instant settlement without volatility risk

• Native integration with Smart Wallet

• No third-party stablecoin dependencies

Your customers pay in crypto. You receive stable value. Everyone wins.

True Self-Custody: Your Keys, Your Funds

NOWPayments and CoinPayments hold your funds. At least temporarily.

That's a risk vector. Counterparty risk. Platform risk. Regulatory risk.

Larecoin operates differently.

Smart Wallet technology gives you full self-custody from the moment of transaction. Funds go directly to your wallet. No intermediary holds your money. Ever.

This isn't just a philosophical choice. It's a practical one.

• No frozen accounts

• No withdrawal limits

• No platform dependency

• No custodial nightmares

Your business. Your funds. Your control.

NFT Receipts: The Future of Transaction Records

Paper receipts? Outdated. PDF invoices? Boring.

Larecoin introduces NFT receipts: immutable, on-chain records of every transaction.

Why this matters:

• Permanent, tamper-proof transaction history

• Easy accounting and audit trails

• Customer engagement opportunity

• Unique brand touchpoint

Every purchase becomes a collectible moment. Every receipt becomes verifiable proof. Accountants love it. Customers remember it.

US Compliance: The Differentiator

Here's where most crypto payment processors get nervous.

The United States has the strictest financial regulations in the world. Most Web3 payment solutions dance around this. They operate in gray areas. They limit US functionality.

Larecoin takes a different approach.

Our compliance strategy:

• Registered as a Money Services Business (MSB)

• Pursuing state-by-state Money Transmitter Licenses (MTL)

• Built for US regulatory frameworks from day one

• No shortcuts. No workarounds.

This isn't just about checking boxes. It's about building a platform that merchants can trust for the long term.

When regulators come knocking: and they will: Larecoin merchants won't be scrambling.

Speed Matters: Solana-Powered Settlement

CoinPayments settlement can take hours. NOWPayments averages 5 minutes.

Larecoin? Near-instant.

Built on Solana, transactions settle in seconds. Not minutes. Not hours. Seconds.

For merchants, this means:

• Better cash flow management

• Reduced reconciliation headaches

• Improved customer experience

• Real-time inventory updates

Speed isn't a nice-to-have. It's table stakes.

The Real-World Math

Let's run the numbers one more time.

Business processing $500,000 annually:

Solution	Annual Cost	Savings vs. Traditional
Traditional Card Processor (2.5%)	$12,500	:
NOWPayments (0.75% avg)	$3,750	$8,750
CoinPayments (0.75% avg)	$3,750	$8,750
Larecoin (gas-only)	<$2,000	$10,500+

That extra $2,000+ saved versus competitors? That's marketing budget. That's inventory. That's profit margin.

Over 10 years? We're talking $20,000+ in additional savings. Just from switching platforms.

Who Should Use What?

Choose NOWPayments if:

• You need 300+ cryptocurrency options

• Customizable fees matter more than rock-bottom costs

• You're comfortable with custodial solutions

Choose CoinPayments if:

• Maximum cryptocurrency variety is your priority

• You value established track records

• Processing speed variability is acceptable

Choose Larecoin if:

• Fee elimination is your primary goal

• Self-custody is non-negotiable

• US compliance matters

• You want near-instant settlement

• NFT receipts and LUSD integration appeal to you

The Bottom Line

NOWPayments and CoinPayments are solid options. They've been around. They work.

But they're incremental improvements on a flawed model.

Larecoin represents architectural change. Gas-only transfers. True self-custody. Native LUSD stablecoin. NFT receipts. Rigorous US compliance.

This isn't about being 20% better. It's about being fundamentally different.

The 10-year blog marathon continues. The mission stays the same: make crypto payments work for real businesses.

Ready to slash your interchange fees for real?

Explore Larecoin and see the difference architecture makes.