NOWPayments vs CoinPayments vs Larecoin: Which Self-Custody Solution Actually Cuts Your Interchange Fees in Half?

Your interchange fees are bleeding you dry.

Traditional payment processors eat 2-3% of every transaction. That's $30,000 gone on a million-dollar revenue year. Crypto payment gateways promise relief. But do they deliver?

Let's cut through the marketing noise.

The Self-Custody Reality Nobody Talks About

Here's the problem: Most "crypto payment solutions" aren't actually self-custody.

NOWPayments and CoinPayments both operate on custodial models. Translation? They hold your funds. You're trusting a third party with your money. Again.

That's Web2 wearing a Web3 mask.

Larecoin flips this completely. True self-custody means you control your private keys. Your funds stay in your wallet. Always.

No intermediary. No counterparty risk. Just pure financial sovereignty.

Fee Structures: Where the Real Savings Live

Let's talk numbers.

NOWPayments charges:

• 0.5% for single-currency transactions

• 1% for multi-currency swaps

• No payout fees (but you're still paying that percentage)

CoinPayments runs similar:

• 0.5-1% depending on cryptocurrency

• Variable processing speeds

• Network fees on top of their cut

Larecoin operates differently:

• Gas-only fee model

• Zero percentage-based charges

• You pay network fees. That's it.

Here's what that means in real dollars:

Annual Volume	Traditional Processor	NOWPayments/CoinPayments	Larecoin
$500,000	~$15,000	~$5,000	Under $2,000
$1,000,000	~$30,000	~$10,000	Under $4,000
$5,000,000	~$150,000	~$50,000	Under $20,000

That's not a 50% reduction. That's 60-80% savings at scale.

Why Self-Custody Changes Everything for Merchants

Custodial solutions create bottlenecks.

Want to withdraw funds? Wait for processing. Need liquidity? Request access to your own money. Platform decides to freeze accounts? You're stuck.

Self-custody eliminates these failure points.

With Larecoin:

• Instant access to your funds 24/7

• No withdrawal limits or approval processes

• Complete control over your treasury

• Zero platform risk

This isn't just about fees. It's about operational freedom.

The NFT Receipt Advantage Most Platforms Miss

Here's where it gets interesting.

Traditional receipts? Paper trash or inbox clutter. Digital receipts from other platforms? Basic transaction logs.

Larecoin issues NFT receipts.

Each transaction creates a unique, verifiable token. Why does this matter?

For merchants:

• Immutable proof of sale

• Automated accounting integration

• Customer loyalty program integration

• Dispute resolution made simple

For customers:

• Verifiable proof of purchase

• Resale value for limited edition purchases

• Collectible transaction history

• Web3-native experience

Think about it. Every transaction becomes a programmable asset. Build loyalty programs around receipt NFTs. Create exclusive offers for customers holding specific transaction tokens. The possibilities stack.

LUSD: The Stablecoin You Actually Want to Hold

Not all stablecoins are created equal.

USDT has regulatory questions. USDC can freeze funds. Most stablecoins are custodial nightmares wrapped in blockchain tech.

LUSD (Liquity USD) is different:

• Fully decentralized

• Over-collateralized with ETH

• No central authority

• Algorithmically maintained peg

Larecoin integrates LUSD natively. This means:

• Stable pricing without centralization risk

• No freeze functions or blacklisting

• Predictable accounting for merchants

• True DeFi integration

When you accept payments in LUSD through Larecoin, you're holding a genuinely decentralized asset. Not someone's IOU.

Breaking Down Real Merchant Scenarios

Scenario 1: Small E-commerce Store

Revenue: $500,000 annually

• Traditional processor cost: $15,000

• NOWPayments cost: $5,000

• Larecoin cost: Under $2,000

Savings: $13,000 annually

That's hiring a part-time employee. Or reinvesting in inventory. Or pure profit.

Scenario 2: Growing SaaS Business

Revenue: $2,000,000 annually

• Traditional processor cost: $60,000

• CoinPayments cost: $20,000

• Larecoin cost: Under $8,000

Savings: $52,000 annually

That's a marketing budget. A developer salary. Serious growth capital.

Scenario 3: Enterprise Merchant

Revenue: $10,000,000 annually

• Traditional processor cost: $300,000

• Crypto gateway cost: $100,000

• Larecoin cost: Under $40,000

Savings: $260,000 annually

That's game-changing money.

The Migration Math

Switching payment processors feels risky. Let's make it simple.

What you're leaving behind:

• Percentage-based fee bleeding

• Custodial control loss

• Platform dependency

• Centralization risk

What you're gaining:

• Gas-only fee model

• Complete fund control

• True financial sovereignty

• Web3-native infrastructure

Integration time? Most merchants go live in under 48 hours.

Why Competitors Can't Match This Model

NOWPayments and CoinPayments built their businesses on the traditional payment processor model. Take a percentage. Custody funds. Operate as middlemen.

That model worked in Web2. It doesn't belong in Web3.

Larecoin started with a different question: What if merchants actually owned their payment infrastructure?

The answer required:

• Self-custody architecture from day one

• Gas-only fee structures

• NFT receipt innovation

• True decentralized stablecoin integration

You can't retrofit these features onto custodial platforms. The foundation is different.

Making the Switch

Here's your decision framework:

Stick with custodial solutions if:

• You prefer someone else managing your funds

• Percentage fees don't bother you

• Centralization risk feels acceptable

• You're okay with withdrawal limitations

Switch to Larecoin if:

• You want actual self-custody

• Cutting fees by 60-80% matters

• Financial sovereignty is non-negotiable

• You're building for Web3's future

The math speaks clearly. The architecture speaks clearly.

Your interchange fees can actually get cut in half: and then some.

Time to stop paying gatekeepers for permission to access your own money. Visit Larecoin and see the difference self-custody makes.

The future of merchant payments isn't custodial. It's sovereign.