NOWPayments Alternative: How to Reduce Merchant Interchange Fees by 50%+ with Self-Custody Accounts

Merchant interchange fees are bleeding your business dry.

Every transaction. Every sale. Every crypto payment processed through traditional gateways chips away at your margins.

NOWPayments charges 0.5% to 1%. CoinPayments takes their cut. Triple-A wants their piece.

All those "small" fees add up fast.

What if you could slash those fees by 50% or more?

Enter self-custody merchant accounts.

The Hidden Cost of Custodial Payment Gateways

Traditional crypto payment processors like NOWPayments operate on a custodial model.

They hold your funds. They control the settlement. They charge you for the privilege.

Here's what happens behind the scenes:

• Gateway receives customer payment

• Gateway holds funds in their wallet

• Gateway converts crypto (if needed)

• Gateway processes settlement

• Gateway transfers to your account

• Gateway charges fees at every step

Each intermediary step costs money.

The custodial model creates unnecessary friction. It introduces counterparty risk. It inflates your processing costs.

You're paying for services you don't need.

Self-Custody Changes Everything

Self-custody flips the script entirely.

With Larecoin's self-custody merchant accounts, you control your wallet. You control your funds. You control settlement.

No intermediaries. No unnecessary conversions. No inflated fees.

The Larecoin Smart Wallet gives merchants direct access to their crypto assets. Payments flow directly into your wallet. You decide when to convert. You decide when to withdraw.

This isn't just about control.

It's about cutting costs dramatically.

Breaking Down the 50%+ Fee Reduction

Let's get specific.

Traditional NOWPayments Setup:

• Base processing fee: 0.5-1%

• Network fees: Variable

• Conversion fees: 1-2%

• Settlement delays: 24-48 hours

• Withdrawal fees: Additional costs

Larecoin Self-Custody Model:

• Processing fee: 0.2-0.4%

• Network fees: Gas-only transfers

• Conversion: Optional, when you choose

• Settlement: Instant to your wallet

• Withdrawal: Direct control, minimal fees

The math is simple.

Cut out the middleman. Cut your costs in half.

The Receivables Token Model

Here's where Larecoin gets innovative.

The Receivables Token Model transforms how merchants handle payments and accounting.

Every transaction generates a receivables token. This token represents your payment. It includes transaction metadata. It creates an immutable record.

Benefits for merchants:

• Instant proof of payment

• Automated reconciliation

• Tax-ready documentation

• NFT receipt integration

• Real-time accounting

Traditional payment gateways give you a transaction ID.

Larecoin gives you a tradeable, verifiable asset.

NFT Receipts: The Accounting Game-Changer

NFT receipts aren't a gimmick.

They're a revolutionary approach to business accounting.

Each payment generates an NFT receipt. This receipt contains:

• Transaction amount

• Timestamp

• Customer wallet address

• Product/service details

• Tax information

• Conversion rates

These NFTs live on-chain. They're permanent. They're verifiable. They're auditable.

Your accountant will thank you.

Tax season becomes manageable. Audits become straightforward. Reconciliation becomes automatic.

LUSD Stablecoin: Volatility Protection Without Conversion Fees

Crypto volatility scares merchants.

One minute you're profitable. The next, prices crash.

LUSD stablecoin solves this without the conversion fees.

Larecoin supports LUSD natively. Merchants can receive payments in LUSD. No conversion needed. No volatility exposure. No additional fees.

LUSD is decentralized. It's over-collateralized. It maintains its peg without centralized control.

Unlike USDC or USDT, LUSD doesn't require intermediaries.

Accept crypto. Maintain stable value. Keep your margins intact.

Global Payments Without Banking Infrastructure

The traditional banking system excludes millions.

High-risk industries. Emerging markets. Underbanked regions.

Banks say no. Payment processors decline applications.

Larecoin says yes.

Self-custody merchant accounts don't need bank approval. You don't need a merchant account. You don't need permission.

Set up your wallet. Start accepting payments. Operate globally from day one.

Perfect for:

• Digital nomads

• International sellers

• Cross-border merchants

• Cannabis businesses

• Adult entertainment

• Crypto-native companies

Financial sovereignty isn't a buzzword.

It's business freedom.

Comparing NOWPayments vs Larecoin

Let's be direct about the differences.

NOWPayments Strengths:

• Established platform

• Large cryptocurrency selection

• Quick integration

• Known brand

NOWPayments Weaknesses:

• Custodial model

• Higher fees

• Limited control

• Settlement delays

• KYC requirements

Larecoin Advantages:

• Self-custody control

• 50%+ lower fees

• NFT receipts

• Receivables tokens

• Instant settlement

• Bank-free operation

• LUSD integration

The choice becomes obvious.

Lower fees. More control. Better technology.

Technical Benefits for Modern Merchants

Larecoin isn't just cheaper.

It's technically superior.

Smart Wallet Features:

• Multi-chain support

• Gas-only transfers

• Push-to-card functionality

• Auto-conversion options

• Real-time balance tracking

Developer-Friendly:

• RESTful API

• WebSocket support

• Webhook notifications

• Comprehensive documentation

• Test environment

Security First:

• Non-custodial architecture

• Hardware wallet integration

• Multi-signature support

• Encrypted backups

Modern merchants need modern tools.

Larecoin delivers.

Real Business Impact

Cut the marketing fluff.

Here's what matters:

Cost Savings: Save $5,000+ annually on processing fees (based on $100k monthly volume).

Time Efficiency: Reduce accounting hours by 60% with automated NFT receipts.

Global Reach: Accept payments from 195+ countries without banking restrictions.

Cash Flow: Instant settlement means immediate access to your funds.

Competitive Edge: Lower fees let you offer better prices or increase margins.

These aren't projections.

This is how self-custody changes business operations.

Getting Started: Three Simple Steps

Ready to reduce your merchant fees?

Step 1: Set Up Larecoin Smart Wallet Takes 5 minutes. No bank account needed. No credit check required.

Step 2: Integrate Payment Gateway Use the API or pre-built plugins. Works with existing e-commerce platforms.

Step 3: Start Accepting Payments Your customers pay. Funds hit your wallet instantly. You maintain full control.

That's it.

No complicated onboarding. No lengthy approval process. No hidden requirements.

Visit Larecoin to begin.

The Future is Self-Custody

Custodial payment gateways served a purpose.

They brought crypto payments to merchants who weren't ready for self-custody.

But the technology evolved.

Self-custody is now easier. It's safer. It's more cost-effective.

NOWPayments and similar gateways represent the old model. They charge premium fees for services technology made obsolete.

Larecoin represents the future. Direct control. Lower costs. Better technology.

The Web3 payment revolution isn't coming.

It's here.

Merchants who adapt win. Those who stick with expensive custodial solutions lose margin every single day.

The choice is yours.

Keep paying 1%+ fees for unnecessary intermediaries.

Or cut your costs in half with self-custody merchant accounts.

Your bottom line will make the decision obvious.