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

Merchant fees are killing your margins.

Traditional crypto payment processors take 0.5-1% per transaction. Plus network fees. Plus withdrawal fees. Plus conversion charges.

It adds up fast.

Let's cut through the noise and compare three crypto payment solutions. We're talking real numbers. Real savings. Real impact on your bottom line.

The Fee Problem Nobody Talks About

Processing $100K annually? You're hemorrhaging $750-$1,000 in fees to NOWPayments or CoinPayments.

Scale to $1.2M? That's $6,000-$12,000 gone. Every year.

The traditional model charges percentage-based fees. Your volume grows, your fees explode.

There's a better way.

NOWPayments: The 0.5-1% Standard

NOWPayments markets itself as affordable. Here's what you actually pay:

• Base fee: 0.5% single-currency, 1% multi-currency

• Network fees: Variable blockchain costs

• Withdrawal fees: Charged on every payout

• Conversion costs: Every currency swap hits you

Processing $500K annually? Expect $2,500-$5,000 in platform fees alone.

Add network costs and withdrawals. You're north of $3,500 minimum.

That's before accounting for the custodial risk. They hold your funds. You wait for withdrawals.

Not exactly financial sovereignty.

CoinPayments: Similar Story, Different Name

CoinPayments follows the same playbook:

• Transaction fee: 0.5-1% per sale

• Blockchain fees: Separate charge

• Withdrawal penalties: Every time you move funds

• Currency conversion: Additional percentage

The fee structure mirrors NOWPayments. Same percentage trap. Same scaling problem.

At $1.2M annual volume, you're looking at $6,000-$12,000 in fees over 36 months.

Both platforms operate on custody models. Your crypto sits in their wallets. You ask permission to access your own money.

Larecoin: Zero Platform Fees, Gas Only

Different architecture. Different philosophy. Different results.

Larecoin charges zero platform fees. Not 0.5%. Not 0.1%. Zero.

You pay Solana network gas. That's it.

Typical gas cost? $0.001-$0.02 per transaction.

Processing $100K annually with average $50 transactions means 2,000 transactions. At $0.01 average gas, you're spending $20 in fees.

Compare that to $750-$1,000 with traditional processors.

The Math That Matters

Let's break down real savings across different volume tiers:

Annual Volume: $100,000

• NOWPayments/CoinPayments: $750-$1,000

• Larecoin: $300-$400

• Savings: 50-60%

Annual Volume: $500,000

• NOWPayments/CoinPayments: $2,500-$5,000

• Larecoin: Under $2,000

• Savings: 50-60%

Annual Volume: $1.2 Million

• NOWPayments/CoinPayments: $6,000-$12,000

• Larecoin: ~$2,000

• Savings: 67-83%

Annual Volume: $5 Million

• NOWPayments/CoinPayments: $25,000+

• Larecoin: ~$5,000

• Savings: 80%+

The savings compound. Volume increases don't proportionally increase costs with Larecoin.

Gas fees stay constant. Your margins stay protected.

Self-Custody Changes Everything

Traditional processors hold your funds. Larecoin doesn't.

Self-custody merchant accounts mean you control your crypto from the moment of sale.

No withdrawal fees. No waiting periods. No permission needed.

Your wallet. Your keys. Your sovereignty.

This isn't just philosophical. It's practical.

Want to move funds to staking? Instant. Need to pay suppliers in crypto? Direct transfer. Looking to reduce merchant interchange fees permanently? Done.

NFT Receipts for Accounting

Every Larecoin transaction generates an NFT receipt.

Immutable. Timestamped. Blockchain-verified.

Your accountant will thank you. Tax season becomes manageable.

Traditional processors give you CSV exports. Larecoin gives you cryptographic proof of every sale.

The receipts include:

• Transaction amount

• Timestamp

• Wallet addresses

• Product details

• Tax information

No more receipt reconciliation nightmares. No more missing transaction records.

Audit trail built into the protocol.

LUSD Stablecoin Benefits

Larecoin integrates LUSD stablecoin for price stability.

Accept crypto. Hold stable value. Zero volatility risk.

LUSD is overcollateralized and decentralized. No central issuer. No bank account freezes.

Merchants processing $50K monthly can hold value without conversion to fiat. Eliminates currency conversion fees entirely.

Want dollar stability without banks? LUSD delivers.

Web3 Global Payments Without Borders

Geographic restrictions disappear with Larecoin.

Sell to customers in 180+ countries. Same platform. Same low fees.

NOWPayments and CoinPayments face regional limitations. Banking partnerships restrict access. Compliance overhead varies by jurisdiction.

Larecoin operates on Solana. Permissionless. Borderless. Censorship-resistant.

Your Nigerian customer pays the same gas fee as your Norwegian customer. Your Japanese transaction costs the same as your Jamaican one.

True global reach for small businesses.

Crypto POS System for Small Business

Larecoin's point-of-sale system works in-store and online.

Contactless payments. QR codes. Wallet connections. Mobile optimization.

The POS integrates with existing systems. No massive infrastructure overhaul needed.

Small retailers processing $10K monthly save hundreds annually. Coffee shops, boutiques, restaurants: all benefit from gas-only pricing.

Traditional processors target enterprises. Larecoin serves everyone.

Check out the merchant portal for setup details.

The 36-Month Reality Check

Let's extend the timeline. Most businesses plan beyond quarterly thinking.

Processing $100K monthly ($1.2M annually) over 36 months:

NOWPayments: ~$28,000 in fees CoinPayments: ~$28,000 in fees Larecoin: ~$7,128 in gas

That's a $20,000+ difference.

Money that stays in your business. Reinvestment capital. Growth fuel.

Percentage-based fees scale with volume. Gas fees don't.

The gap widens as you grow. Success doesn't punish you with higher fees.

Receivables Token Innovation

Larecoin introduces receivables tokens. Convert future payments into tradable assets.

Improve cash flow without traditional factoring fees. Access working capital without bank approvals.

This feature doesn't exist in NOWPayments or CoinPayments. Pure Web3 innovation.

Merchants can tokenize invoices. Sell them for immediate liquidity. Or hold until payment date.

Financial flexibility previously reserved for large enterprises.

Technical Architecture Comparison

NOWPayments/CoinPayments:

• Custodial wallets

• Centralized servers

• Traditional database structure

• Multi-signature withdrawals

• KYC requirements

Larecoin:

• Non-custodial architecture

• Solana blockchain foundation

• Self-custody by default

• Direct wallet-to-wallet transfers

• Minimal KYC for basic features

The technical differences create the fee differences.

Custodial systems require infrastructure. Servers, security, staff, compliance. Those costs get passed to merchants.

Blockchain architecture eliminates middlemen. Code replaces costly infrastructure.

Making the Switch

Migrating from NOWPayments or CoinPayments to Larecoin takes hours, not weeks.

Export your transaction history. Set up your Larecoin merchant account. Connect your wallet. Start accepting payments.

No lengthy approval processes. No complex integrations.

The Larecoin community provides migration support. Real merchants helping merchants.

The Real Question

Can you afford to keep paying 0.5-1% platform fees when gas-only processing exists?

At $500K annual volume, you're leaving $1,500-$3,000 on the table. Every year.

That's marketing budget. Inventory investment. Team expansion. Or simply higher profits.

The crypto payment processor market evolved. Percentage-based fees represent old thinking.

Gas-only models represent the future.

Bank-Free Business Operations

Larecoin enables complete bank independence.

Accept crypto. Pay suppliers in crypto. Hold LUSD for stability. Access capital through receivables tokens.

No bank accounts required. No merchant account applications. No underwriting reviews.

Traditional processors still tie back to banking infrastructure. Larecoin doesn't.

Pure peer-to-peer commerce. Built on blockchain rails.

Financial sovereignty isn't a buzzword. It's operational reality.

Visit larecoin.com to reduce merchant interchange fees by 50%+ starting today.

The question isn't whether to switch. It's how much you're willing to overpay while you delay.