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

Interchange fees are eating your margins alive.

Traditional payment processors charge 2.5-3.5% per transaction. Credit card networks take their cut. Banks take their cut. Everyone takes their cut: except you.

Web3 payment solutions promise relief. But not all crypto payment gateways deliver equal value.

Today we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. Which one actually slashes your costs? Which one gives you real ownership of your funds?

Let's find out.

The Interchange Fee Problem

Traditional processors cost merchants $15,000+ annually on just $500,000 in volume.

That's money straight out of your pocket. Every single year.

Web3 payments eliminate the middlemen. No card networks. No issuing banks. No acquiring banks skimming percentages off every sale.

But here's the catch: many crypto payment processors still charge processing fees. Some hold your funds. Some add hidden costs.

The solution matters as much as the technology.

NOWPayments: The Multi-Currency Option

Processing Fee: 0.5% single-currency, 1% multi-currency conversions

NOWPayments supports 300+ cryptocurrencies. Solid integration options. Decent API documentation.

Pros:

• Wide crypto support

• Customizable network fees

• Good for international merchants

• Shopify and WooCommerce plugins available

Cons:

• Still charges 0.5-1% on every transaction

• Funds held during processing

• Settlement delays

• No native stablecoin integration

At $500,000 annual volume, you're still paying roughly $2,500-$5,000 in processing fees alone. Plus network fees on top.

Better than Visa? Absolutely.

The best you can do? Not quite.

CoinPayments: The Veteran Player

Processing Fee: 0.5-1% per transaction

CoinPayments has been around since 2013. They support 100+ cryptocurrencies. Established reputation.

Pros:

• Long track record

• Multi-coin vault storage

• Shopping cart plugins

• Auto-conversion options

Cons:

• Deposits free only up to $15,000/month: then 0.5% kicks in

• Custodial model (they hold your crypto)

• Slower settlements

• Limited blockchain innovation

Same story. Processing fees add up. Custodial model means you don't control your funds until they release them.

For a $100,000 monthly volume business, you're looking at $500-$1,000 monthly in processing fees once you exceed the free tier.

That's $6,000-$12,000 annually. Gone.

Larecoin: The Gas-Only Revolution

Processing Fee: Gas only. That's it.

Here's where things get interesting.

Larecoin operates on a fundamentally different model. No percentage-based processing fees. No hidden costs. You pay network gas fees: and nothing else.

The Larecoin Advantage:

• Gas-Only Transfers: Pay Solana network fees (fractions of a penny)

• Self-Custody: Your funds stay in YOUR wallet

• LUSD Stablecoin: Native stable asset eliminates volatility

• Near-Instant Settlement: Solana's speed means immediate access

• NFT Receipts: Immutable proof of every transaction

At $500,000 annual volume, Larecoin users report costs under $2,000 total. Compare that to $5,000+ with competitors.

That's 50%+ savings versus NOWPayments and CoinPayments. Over 85% savings versus traditional processors.

Self-Custody: Why It Matters

NOWPayments and CoinPayments act as intermediaries.

They receive customer payments. Hold the funds. Then release them to you after settlement.

What happens if they freeze your account? What if there's a security breach? What if regulatory issues arise?

Your money sits in their custody. Not yours.

Larecoin flips this model.

Direct merchant-to-customer transactions. Funds go straight to your wallet. No middleman holding your revenue hostage.

Self-custody isn't just a buzzword. It's financial sovereignty.

Check out Larecoin's merchant solutions to see how self-custody works in practice.

LUSD: Stability Without Sacrifice

Crypto volatility scares merchants.

Accept Bitcoin today. Worth 10% less tomorrow. That's a real concern.

Larecoin's native stablecoin: LUSD: solves this.

LUSD Benefits:

• Pegged stability eliminates price swings

• Instant conversion from volatile assets

• Gas-only transfer costs

• Native Solana integration for speed

• Seamless merchant settlements

Your customers pay in any supported crypto. You receive LUSD. Stable. Predictable. Usable.

No more waking up to check if your yesterday's revenue lost 15% overnight.

NFT Receipts: Proof That Can't Be Disputed

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A game-changer.

Why NFT Receipts Matter:

• Immutable proof: Stored on-chain forever

• Dispute resolution: Undeniable transaction records

• Accounting simplification: Automated record-keeping

• Customer trust: Transparent payment verification

• Audit-ready: Clean documentation for compliance

Traditional payment processors give you statements. Statements can be altered. Databases can be compromised.

Blockchain receipts? Permanent. Tamper-proof. Verifiable by anyone.

For businesses dealing with chargebacks and disputes, this alone justifies the switch.

US Compliance: Built for Legitimacy

Here's where Larecoin separates from the pack even further.

Many crypto payment processors operate in regulatory gray zones. Offshore entities. Unclear licensing. Potential compliance risks for US merchants.

Larecoin takes a different approach.

Larecoin's Compliance Strategy:

• MSB Registration: Money Services Business registration with FinCEN

• State MTL Strategy: Pursuing Money Transmitter Licenses state-by-state

• KYC/AML Integration: Built-in compliance tools

• US-Focused Operations: Designed for American regulatory reality

This isn't just paperwork. It's protection.

Working with a compliant processor means fewer legal headaches. Fewer banking relationship issues. Fewer surprises when regulations tighten.

Learn more about Larecoin's ecosystem.

The Cost Comparison: Real Numbers

Let's put this in perspective.

Annual Volume	Traditional Processor	NOWPayments/CoinPayments	Larecoin
$100,000	~$3,000	~$1,000	Under $400
$500,000	~$15,000	~$5,000	Under $2,000
$1,000,000	~$30,000	~$10,000	Under $4,000

At scale, the savings compound dramatically.

A $1 million annual volume business saves approximately $6,000-$8,000 versus NOWPayments or CoinPayments. Over $26,000 versus traditional processors.

That's not marginal. That's transformational.

The Verdict

NOWPayments: Good multi-currency support. Still charges processing fees. Custodial model.

CoinPayments: Established player. Free tier limitations. Custodial model.

Larecoin: Gas-only fees. Self-custody. LUSD stability. NFT receipts. US compliance focus.

The math speaks for itself.

If you're processing serious volume and want to maximize margins while maintaining full control of your funds, Larecoin delivers what competitors can't match.

Lower fees. True ownership. Built-in compliance. Innovation that actually impacts your bottom line.

Ready to Slash Your Payment Processing Costs?

Stop bleeding money to intermediaries.

Explore Larecoin's payment solutions and see how gas-only transfers transform your cost structure.

The future of payments isn't about finding a slightly cheaper processor.

It's about eliminating unnecessary fees entirely.

Welcome to Larecoin.