NOWPayments vs CoinPayments vs Larecoin: Which Cuts Merchant Interchange Fees by 50%+?

Merchant fees are killing your margins.

Traditional crypto payment processors charge 0.5-1% per transaction. Sounds reasonable until you scale.

That's when percentage-based fees become a profit vampire.

Larecoin flips the model entirely. Gas-only fees. No platform charges. No withdrawal penalties.

Let's break down the numbers.

The Fee Structure Showdown

NOWPayments hits you with:

• 0.5% for single-currency transactions

• 1% for multi-currency processing

• Network fees on top

• Withdrawal charges

• Currency conversion penalties

CoinPayments follows the same playbook:

• 0.5-1% transaction fees

• Separate blockchain costs

• Conversion fees when switching currencies

• Withdrawal charges every time you move funds

Larecoin's approach?

• Zero platform fees

• Only Solana gas costs (typically $0.00025 per transaction)

• No withdrawal fees with self-custody

• No conversion charges

The difference compounds fast.

Real Savings Across Processing Volumes

Here's where it gets interesting.

Annual Volume	NOWPayments	CoinPayments	Larecoin	Your Savings
$100K	$750-$1,000	$750-$1,000	$300-$400	50%+
$500K	$2,500-$5,000	$2,500-$5,000	$1,500-$2,000	50-60%
$1.2M	$9,000	$6,000-$12,000	~$2,000	67-83%
$5M	~$25,000	~$25,000	~$5,000	80%

Notice the pattern?

The gap widens as you scale. Percentage fees punish growth. Gas fees stay relatively flat.

Processing $5 million annually? You're saving $20,000 with Larecoin versus the competition.

That's capital you can reinvest in inventory, marketing, or team expansion.

Why Gas-Only Changes Everything

Percentage-based fees are a relic of centralized payment processing.

They made sense when intermediaries needed to justify their infrastructure costs.

Web3 doesn't work that way.

Larecoin operates on Solana's high-speed network. Transaction validation costs fractions of a penny. There's no middleman taking a cut.

You pay for what you use. Nothing more.

Self-custody means your funds sit in your wallet. Not held hostage by a third-party processor charging withdrawal fees.

Want to move $500K? Same gas cost as moving $500.

The 36-Month Reality Check

Let's look long-term.

Say you process $100K monthly for three years. Industry-standard volume for a growing online business.

NOWPayments: $28,000 in total fees CoinPayments: $31,320 in total fees Larecoin: ~$7,128 in gas costs

That's roughly $20,000-$24,000 back in your pocket over 36 months.

What could you do with an extra $20K?

Hire a developer. Launch a new product line. Double down on customer acquisition.

The choice becomes obvious.

Beyond Fee Savings: Technical Advantages

Larecoin isn't just cheaper. It's fundamentally different.

NFT receipts for accounting: Every transaction generates a unique, immutable record on the blockchain. Your accountant will love you. Audit trails become automatic. No more reconciliation nightmares.

LUSD stablecoin integration: Accept payments in a stable, decentralized currency. No volatility exposure. No conversion penalties. Liquity's LUSD maintains its peg without centralized collateral.

Self-custody merchant accounts: You control your keys. Your funds. Your business. No freeze risk. No account suspensions. True financial sovereignty.

Receivables tokens: Tokenize future payments. Create liquidity from outstanding invoices. Access capital without traditional factoring fees.

These aren't nice-to-haves. They're game-changers for modern merchants.

The Hidden Costs Nobody Talks About

Fee percentages are just the surface.

Traditional crypto processors lock you into their ecosystem. Moving funds out? That's a fee. Converting currencies? Another fee. Processing refunds? You guessed it.

The fee structure creates friction at every touchpoint.

Larecoin eliminates these pain points through decentralization and self-custody architecture.

Your wallet. Your rules. Your capital efficiency.

Who Benefits Most?

High-volume merchants: If you're processing $1M+, the savings become substantial. Six figures annually in some cases.

Global businesses: Cross-border payments without forex penalties or correspondent banking fees. Web3 global payments remove geographical friction.

Small businesses with tight margins: Every basis point matters when you're building. Gas-only fees preserve runway.

Crypto-native operations: If you're already thinking in Web3 terms, Larecoin aligns with your ethos. Bank-free business operations become reality.

The Competitive Landscape in 2026

NOWPayments and CoinPayments pioneered crypto merchant services. They deserve credit.

But their models are fundamentally constrained by percentage-based thinking.

They're building Web3 payment rails on Web2 business models.

Larecoin represents the next evolution. Native Web3 architecture. Gas-only economics. True self-custody.

It's not an incremental improvement. It's a paradigm shift.

Making the Switch

Migrating payment infrastructure sounds daunting.

It's not.

Larecoin's merchant portal handles the heavy lifting. API integration takes hours, not weeks. Documentation is clear. Support is responsive.

Start with a small transaction volume. Test the system. Watch the fee savings accumulate in real-time.

Scale when you're comfortable.

The technology works. The math works. The sovereignty piece is the cherry on top.

Final Numbers

Let's recap the core comparison:

• Fee reduction: 50-80% versus NOWPayments and CoinPayments

• Cost predictability: Gas fees scale linearly, not as percentages

• Long-term savings: $20K+ over 36 months for mid-sized merchants

• Technical advantages: NFT receipts, LUSD integration, self-custody, receivables tokens

The question isn't whether Larecoin cuts fees by 50%+.

The question is: what will you do with the capital you save?

Ready to reduce merchant interchange fees and take control of your payment infrastructure? Join the Larecoin ecosystem and start saving today.