NOWPayments vs CoinPayments vs Larecoin: Which Slashes Your Interchange Fees Fastest?

You're bleeding money on interchange fees.

Every transaction. Every sale. Traditional crypto processors take a cut that grows with your success. NOWPayments and CoinPayments charge 0.5-1% per transaction: plus network fees, withdrawal charges, and conversion costs.

That's the old model. The custodial model. The model that penalizes growth.

Larecoin flips this completely.

The Fee Death Spiral of Traditional Processors

NOWPayments and CoinPayments operate like traditional payment processors wearing a crypto mask. Percentage-based fees. Custodial wallets. Hidden charges.

Here's what you're actually paying:

NOWPayments/CoinPayments Stack:

• 0.5-1% transaction fee

• Network fees on top

• Withdrawal charges

• Currency conversion costs

• Custodial risk premium

Process $1 million annually? You're paying $5,000-$10,000 in fees. Minimum.

Hit $5 million? That's $25,000+ straight off your revenue.

The bigger you get, the more they take. Your success becomes their payday.

Larecoin's Gas-Only Revolution

Zero transaction fees. No percentage cuts. No withdrawal charges.

Only blockchain gas costs: typically $0.01-$0.05 on Solana.

Why? Decentralized architecture. Self-custody design. No middleman extracting rent.

Your wallet. Your keys. Your profits.

Larecoin's Real Costs:

• 0% transaction fees

• Minimal gas costs (Solana)

• No withdrawal fees

• No conversion spreads

• Direct LUSD stablecoin acceptance

Process that same $1 million? Under $2,000 in total costs.

That's 60-80% savings. Every year. Forever.

The Numbers Don't Lie

Watch how the gap explodes at scale:

Annual Volume	NOWPayments/CoinPayments	Larecoin	Your Savings
$100K	$750-$1,000	$300-$400	50-60%
$500K	$2,500-$5,000	Under $2,000	20-60%
$1.2M	$6,000-$12,000	~$2,000	67-83%
$5M	$25,000+	~$5,000	80%+

Process $1 million annually for 5 years with traditional processors? You'll pay $25,000-$50,000 in fees.

Same volume on Larecoin? Under $10,000 total.

That's $17,500-$40,000 staying in your business.

Hire another developer. Expand inventory. Fund marketing. Actually grow.

Speed Kills (Your Competition)

Fees aren't the only place traditional processors fall behind.

Settlement speed matters. Cash flow matters. Confirmation times matter.

NOWPayments/CoinPayments:

• 10-30 minute confirmations

• Multi-step settlement process

• Custodial holding periods

• Batch processing delays

Larecoin:

• 400ms finality on Solana

• Instant settlement

• Self-custody = instant access

• No intermediary delays

Your money hits your wallet before your customer closes their browser.

That's not an improvement. That's a different universe.

LUSD Stablecoin Advantage

Traditional processors force you through conversion hell. Customer pays in crypto. Processor converts to fiat. You wait for settlement. Fees everywhere.

Larecoin's LUSD stablecoin bypasses this entirely.

Accept payments. Hold stablecoins. No conversion required. No volatility risk. No conversion fees eating your margin.

Want fiat? Convert on your schedule. On your terms. Through your preferred exchange.

Financial sovereignty isn't a buzzword. It's how you protect profit margins.

NFT Receipts: The Utility Play Nobody Talks About

Here's where Larecoin pulls completely away.

Every transaction generates an NFT receipt. Not a gimmick. Not a collectible.

Proof of purchase on-chain. Forever. Immutable.

What This Unlocks:

• Instant warranty verification

• Resale authenticity proof

• Customer loyalty tracking

• Automated reward distribution

• Tax documentation automation

• Dispute resolution simplicity

Traditional processors give you a database entry. Larecoin gives you a permanent, verifiable, tradeable asset.

Customer wants to return something in 6 months? NFT receipt proves purchase instantly. No digging through email. No lost paper receipts.

Want to build a loyalty program? NFT receipts track purchase history automatically. Reward your best customers without complex CRM systems.

This isn't available on NOWPayments. This isn't available on CoinPayments. This is Web3-native innovation.

Self-Custody Changes Everything

NOWPayments and CoinPayments hold your funds. Custodial wallets. Their servers. Their security policies. Their compliance requirements.

You're asking permission to access your own money.

Larecoin gives you the keys. Self-custody from transaction one.

What This Actually Means:

• No account freezes

• No withdrawal limits

• No surprise compliance holds

• No counterparty risk

• No "we're reviewing your account" emails

Your business. Your revenue. Your control.

The traditional finance system taught you to trust intermediaries. Web3 lets you verify instead.

Why Traditional Processors Can't Compete

NOWPayments and CoinPayments can't match Larecoin's model. Structurally impossible.

They're running centralized infrastructure. Servers cost money. Staff costs money. Compliance costs money. Insurance costs money.

Those costs come from your transaction fees.

Larecoin runs on decentralized blockchain infrastructure. No central servers to maintain. No massive compliance team. No insurance premiums for custodied funds.

The protocol handles security. Smart contracts handle logic. The network handles settlement.

Costs approach zero. Savings pass to merchants.

This isn't a temporary competitive advantage. This is an architectural moat.

The Real Cost of Custodial Risk

February 2026. Regulations are tightening. Exchanges are freezing accounts. Compliance requirements are exploding.

Traditional crypto processors are centralized choke points. Single points of failure. Single points of regulatory intervention.

What happens when:

• Their bank relationship terminates?

• Regulators demand user data?

• They implement withdrawal holds?

• They add new compliance fees?

You're building your business on someone else's infrastructure. With someone else's rules. Subject to someone else's decisions.

Self-custody isn't paranoia. It's risk management.

Making the Switch

Moving from NOWPayments or CoinPayments to Larecoin isn't complicated.

Set up your Larecoin merchant portal. Connect your wallet. Start accepting payments.

No migration period. No data transfer. No transition fees.

Run both systems in parallel if you want. Test Larecoin with a percentage of transactions. Watch the fee comparison in real-time.

Most merchants go full Larecoin within 30 days. The numbers make the decision obvious.

Learn more about reducing merchant interchange fees.

The Bottom Line

Traditional crypto processors charge percentage fees that scale with your revenue. Larecoin charges gas-only costs that stay flat regardless of volume.

Traditional processors hold your funds in custodial wallets. Larecoin gives you self-custody and instant access.

Traditional processors settle in 10-30 minutes. Larecoin settles in 400 milliseconds.

Traditional processors give you database receipts. Larecoin gives you NFT receipts with real utility.

The math isn't close. The technology isn't comparable. The value proposition isn't debatable.

Processing $1 million annually? Save $17,500-$40,000 over 5 years. Minimum.

That's not optimization. That's transformation.

Check out the Larecoin ecosystem and calculate your actual savings. The numbers speak for themselves.

Web3 payments aren't coming. They're here. The question is whether you're still paying last-generation fees.