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

Merchant fees are bleeding businesses dry.

Every transaction chips away at your margins. 0.5% here. 1% there. Withdrawal penalties. Conversion costs. Network fees stacking up.

By year's end, you've paid thousands: sometimes tens of thousands: in unnecessary charges.

Time to cut that by 50% or more.

The Fee Structure Nobody Talks About

Most crypto payment processors play the same game as traditional finance. Hidden costs. Multiple fee layers. Complex pricing structures designed to confuse.

Let's break down what you're actually paying:

NOWPayments:

• 0.5% for single-currency transactions

• 1% when converting between cryptos

• Network fees on every transaction

• Withdrawal charges to move your money

• Conversion costs stacking up

CoinPayments:

• 0.5-1% per transaction

• Network fees eating into profits

• Withdrawal penalties when cashing out

• Additional conversion expenses

• Custodial risks with your funds

Larecoin:

• 0% platform fees

• Zero conversion charges

• Just Solana gas: ~$0.00025 per transaction

• Self-custody from day one

• Your keys. Your crypto. Your control.

The difference? Thousands of dollars annually.

Real Numbers: What You're Actually Saving

Let's run the math on actual business volumes.

Processing $500K annually:

NOWPayments/CoinPayments hit you with $2,500-$5,000 in fees. Larecoin? Under $2,000 in gas costs.

Savings: 50-60%

Processing $1.2M annually:

NOWPayments charges $9,000+. CoinPayments ranges $6,000-$12,000. Larecoin stays around $2,000.

Savings: 67-83%

Processing $5M annually:

Traditional processors want $25,000+ from you. Larecoin runs approximately $5,000 in gas.

Savings: 80%+

Over 36 months processing $100K monthly:

• NOWPayments: ~$28,000

• CoinPayments: ~$31,320

• Larecoin: ~$7,128

You just saved over $20,000.

That's not promotional fluff. That's actual operational savings you can reinvest into growth.

Why Solana Changes Everything

Larecoin runs on Solana. Not Ethereum with its unpredictable gas spikes. Not Bitcoin with its slow confirmations.

Solana processes 65,000 transactions per second. Average transaction cost? Fractions of a penny.

This isn't theoretical blockchain performance. This is real-world merchant utility.

Your customer pays. Transaction confirms in seconds. You receive funds immediately. Total cost? $0.00025.

No percentage cuts. No hidden conversion fees. No withdrawal penalties.

Just pure, transparent pricing that scales with your business: not against it.

NFT Receipts: The Feature Nobody Else Offers

Every Larecoin transaction generates an NFT receipt.

Permanent. Immutable. Verifiable on-chain.

This isn't a gimmick. This is solving real accounting headaches:

• Instant proof of purchase

• Zero disputes about transaction history

• Automatic record-keeping for tax compliance

• Customer loyalty programs built into receipts

• Resale tracking for authenticity verification

Try doing that with NOWPayments or CoinPayments. You can't.

Their systems issue standard transaction confirmations. No unique digital assets. No additional utility beyond "payment processed."

Larecoin turns every payment into a programmable asset. Retailers use them for warranty tracking. Service businesses embed appointment details. Digital merchants prove authenticity.

The receipt becomes part of your product experience.

LUSD: Stablecoin Stability Without Centralization

Volatility kills merchant adoption. Nobody wants to accept payment that drops 10% by morning.

Most processors force you into USDT or USDC. Centralized stablecoins backed by traditional finance.

Larecoin offers LUSD. Decentralized. Over-collateralized. No single point of failure.

When customers pay in LUSD:

• Price stability you can count on

• No Tether controversy baggage

• No Circle freezing concerns

• True Web3 payments without centralized control

NOWPayments and CoinPayments support multiple stablecoins: but they're all custodial solutions. They hold your funds. They control your access.

One compliance issue. One account freeze. Your business stops.

Larecoin never touches your crypto. Self-custody from transaction one.

Self-Custody: The Non-Negotiable Requirement

Web3 promised financial sovereignty. Most payment processors delivered custodial control in a crypto wrapper.

Check the fine print on NOWPayments and CoinPayments. Your funds sit in their wallets. Their custody. Their rules.

Want to withdraw? Process takes days. Fees apply. Minimum thresholds required.

Larecoin operates differently.

Payments flow directly to your wallet. Not Larecoin's wallet holding "your" funds. Your actual wallet that only you control.

Lost your password? That's on you: because nobody else has access either.

Regulators come knocking? Your crypto stays yours. No third party can freeze your merchant account.

This isn't just philosophy. This is practical business protection.

The Hidden Costs They Don't Advertise

Platform fees tell part of the story. The rest hides in fine print.

Conversion cascades: Customer pays in BTC. You want USDC. NOWPayments converts. CoinPayments converts. Each conversion? Another fee.

Withdrawal minimums: Can't access your funds until you hit arbitrary thresholds. Your money. Their timeline.

Network congestion surcharges: Ethereum gas spikes. Suddenly your "fixed" fee structure becomes variable pricing.

Currency limits: Want to accept that emerging altcoin? Too bad. Their system. Their supported tokens.

Larecoin eliminates these gotchas. Solana's consistent gas pricing means predictable costs. Direct wallet delivery means instant access. No conversion cascades. No withdrawal minimums.

Real Merchant Use Cases

E-commerce store processing $2M annually:

Old processor charged $15,000 in fees. Larecoin gas costs: $4,000.

Savings: $11,000 to reinvest in inventory.

Service business with 500 monthly clients:

Previous platform: $400/month in various fees. Larecoin: $65/month in gas.

Savings: $4,020 annually for marketing budget.

Digital product marketplace:

Used to lose 1.5% per sale across fees. Now pays $0.00025 per transaction.

Per $100 sale savings: $1.50 → pure profit.

Scale those savings across thousands of transactions. The numbers become impossible to ignore.

What This Means For Your Business

Lower fees mean more than cost savings. They mean competitive advantage.

Price products lower while maintaining margins. Offer crypto payment discounts without hurting profitability. Accept micro-payments traditional processors make unprofitable.

NFT receipts mean customer engagement opportunities. Loyalty programs. Exclusive access. Verifiable authenticity.

LUSD acceptance means serving customers who want stability without centralization baggage.

Self-custody means true business independence. No third-party risk. No account freezes. No permission needed.

Making The Switch

NOWPayments and CoinPayments serve a purpose. They're bridges from traditional finance thinking.

But bridges are for crossing: not living on.

Larecoin represents the destination. True Web3 payments. Genuine decentralization. Radical fee reduction.

Your business processes payments. Why give away 50-80% more than necessary?

Every transaction on expensive platforms is money you're choosing not to keep.

The question isn't whether to switch. It's how fast you want to start saving.

Check out Larecoin's merchant solutions and calculate your specific savings.

Gas-only pricing. NFT receipts. LUSD stability. Self-custody security.

This is how merchants win in Web3.