NOWPayments Vs CoinPayments Vs Larecoin: Which Slashes Your Interchange Fees by 50%+?

Merchant interchange fees eat your profits alive.

2-3% per transaction adds up fast. Process $500K annually? You're burning $10,000-$15,000 in fees alone.

Traditional crypto payment processors like NOWPayments and CoinPayments claim to solve this. But they don't. They just swap credit card fees for percentage-based crypto fees.

Same problem. Different wrapper.

Enter Larecoin. Gas-only pricing. Zero percentage fees. 50-80%+ savings verified across merchant portfolios.

Let's break down the numbers.

The Fee Structure Breakdown

NOWPayments charges:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Network fees on top

• Withdrawal charges separate

• Hidden conversion spreads

CoinPayments isn't better:

• 0.5-1% per transaction

• Blockchain network fees additional

• Withdrawal costs separate

• Conversion spreads on currency swaps

Larecoin operates differently:

• 0% transaction fees

• Gas costs only (~$0.00025 per transaction on Solana)

• Zero withdrawal fees

• Zero conversion spreads

• Complete self-custody model

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The architectural difference matters. NOWPayments and CoinPayments function as custodial intermediaries. They control your funds. They take percentage cuts. They add layers of fees.

Larecoin eliminates the middleman entirely.

Real Merchant Cost Comparison

Numbers tell the story.

Annual Volume: $100,000

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

• Larecoin: $300-$400 in gas costs

• Savings: 50-60%

Annual Volume: $500,000

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

• Larecoin: Under $2,000 in gas costs

• Savings: 50-60%

Annual Volume: $1.2 million

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

• Larecoin: ~$2,000 in gas costs

• Savings: 67-83%

Annual Volume: $5 million

• NOWPayments/CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

• Savings: 80%+

Scale matters. The more you process, the more you save with Larecoin's gas-only model.

Over 5 years processing $1 million annually? NOWPayments costs $37,500-$50,000. CoinPayments similar. Larecoin costs $15,000-$20,000.

That's $22,500-$30,000 saved. Real money. Real growth capital. Real competitive advantage.

Self-Custody Changes Everything

Custodial platforms create dependency.

NOWPayments holds your crypto. CoinPayments controls your funds. You trust them to release your money. You follow their rules. You accept their timelines.

Financial sovereignty dies in custodial systems.

Larecoin operates on self-custody principles. Your wallet. Your keys. Your control. Payments settle directly to your address. No intermediary approval needed. No withdrawal delays. No account freezes.

Web3 payment architecture done right.

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This isn't just philosophical. Self-custody eliminates multiple failure points:

• No platform bankruptcy risk

• No account termination without cause

• No funds frozen during disputes

• No delayed access to your capital

Your business. Your money. Your timeline.

NFT Receipts: The Hidden Utility Multiplier

Traditional processors send email confirmations. Maybe a PDF receipt.

Larecoin mints NFT receipts.

Each transaction generates an immutable blockchain receipt. Permanently stored. Cryptographically verified. Impossible to forge or lose.

NFT receipt benefits merchants never considered:

Accounting automation – Import NFT receipts directly into accounting systems. Full transaction history on-chain. No manual reconciliation needed.

Warranty tracking – NFT receipts prove purchase date and authenticity. Warranty claims process instantly. No lost paper receipts. No customer service disputes.

Loyalty programs – NFT receipts enable token-gated rewards. Proof of purchase unlocks exclusive offers. Automatic tier progression. Frictionless member verification.

Resale authentication – Secondary market buyers verify purchase legitimacy through NFT receipts. Reduces counterfeit concerns. Increases resale value.

Tax compliance – Complete transaction history stored immutably. Audit-ready records always accessible. No missing documentation during tax season.

NOWPayments and CoinPayments offer none of this. They process payments. That's it.

Larecoin transforms payments into permanent value creation.

LUSD Stablecoin: Your Volatility Shield

Crypto volatility scares merchants.

Bitcoin drops 10% overnight. Ethereum swings wildly. Revenue predictability disappears.

Larecoin's LUSD stablecoin solves this.

LUSD advantages over traditional stablecoins:

Decentralized collateral – No single company backing. No bank account dependencies. No regulatory freeze risk.

Algorithmic stability – Maintains peg through smart contract mechanisms. No trust required in centralized issuers.

Liquidity ready – Integrated directly into Larecoin's ecosystem. Instant conversions. No third-party bridges needed.

Accept payments in volatile crypto. Settle automatically to LUSD. Lock in value immediately. Convert to fiat on your schedule.

NOWPayments forces currency conversion at their rates. CoinPayments charges spreads on conversions. Both add fees at every step.

Larecoin lets you control timing and execution. Zero conversion fees within the ecosystem.

The Solana Speed Advantage

Payment processing speed determines customer experience.

Credit cards confirm in 3-5 seconds. Customers expect similar from crypto payments.

Bitcoin confirmations take 10+ minutes. Ethereum averages 15 seconds but costs $5-50 in gas during congestion.

Larecoin operates on Solana:

• 400ms confirmation times

• $0.00025 average transaction cost

• 65,000 transactions per second capacity

• No congestion delays even during peak usage

Your customers don't wait. Your costs don't spike. Your experience stays consistent.

NOWPayments and CoinPayments support multiple chains but inherit each network's limitations. Accept Bitcoin? Deal with 10-minute confirmations. Accept Ethereum? Pay $20 gas fees during busy periods.

Larecoin standardizes on Solana's performance. Every transaction fast. Every transaction cheap. Every customer happy.

Real Merchant Scenarios

Scenario 1: E-commerce store processing $50K monthly

NOWPayments charges 0.5% = $250/month minimum. Add network fees, withdrawal costs, conversion spreads. Real cost: $350-400/month.

Larecoin gas costs: $15-25/month maximum.

Annual savings: $3,900-4,500.

Scenario 2: SaaS business with $200K monthly subscriptions

CoinPayments charges 0.5-1% = $1,000-2,000/month. Add withdrawal fees and conversion costs. Real cost: $1,500-2,500/month.

Larecoin gas costs: $50-75/month maximum.

Annual savings: $17,400-29,100.

Scenario 3: Global marketplace facilitating $2M monthly

NOWPayments charges 0.5% = $10,000/month. Add multi-currency conversion fees, network costs, withdrawal charges. Real cost: $14,000-18,000/month.

Larecoin gas costs: $200-300/month maximum.

Annual savings: $165,600-212,400.

Scale compounds savings exponentially with Larecoin's gas-only model.

The Web3 Payment Evolution

Payment processing hasn't fundamentally changed in decades.

Merchants pay percentage fees. Processors control funds. Settlements take days. Cross-border payments cost 3-7%.

NOWPayments and CoinPayments replicate this model in crypto. Different rails. Same extraction.

Larecoin breaks the pattern.

Gas-only pricing eliminates percentage fees. Self-custody returns control to merchants. Instant settlements end float dependency. Global payments cost fractions of pennies.

This is Web3 payments as originally imagined.

Not crypto-wrapped legacy systems. Not middlemen charging new fees for old services.

True financial sovereignty for merchants ready to evolve.

Make The Switch

Traditional processors extract value. Larecoin preserves it.

NOWPayments charges percentages. CoinPayments adds fees at every layer. Both keep your funds in custody. Both control your access. Both limit your growth.

Larecoin charges only gas. Returns full custody. Eliminates intermediary control. Maximizes your revenue retention.

50-80%+ fee reduction isn't marketing hype. It's mathematical reality when percentage fees disappear.

Your business deserves better than status quo payment processing.

Check our merchant fee reduction guide for implementation details.

The future of payments is self-custodial. The future is gas-only pricing. The future is Larecoin.

Start saving today.