NOWPayments Vs CoinPayments Vs Larecoin: Which Web3 Payment Processor Actually Slashes Your Interchange Fees?

Interchange fees are eating your margins alive.

Traditional payment processors charge 2.5-3.5% on every single transaction. That's money flying out of your pocket. Web3 payment solutions promise relief. But which one actually delivers?

Let's break down NOWPayments, CoinPayments, and Larecoin. No fluff. Just the numbers and features that matter to your bottom line.

The Interchange Fee Problem

Here's the deal. Every time a customer swipes, taps, or clicks "pay," you're losing a chunk of that sale. Credit card networks, issuing banks, payment processors, everyone gets a cut.

For a business doing $500K annually? That's $12,500-$17,500 gone. Every year.

Crypto payment processors emerged to fix this. But not all solutions are created equal.

NOWPayments: The Multi-Crypto Veteran

NOWPayments has been in the game since 2019. Solid track record. Over 300 cryptocurrencies supported.

The Fee Structure:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Network fees vary by blockchain

What You Get:

• Customizable network fee options

• Merchants can absorb or blend network fees

• 0% service fees on payouts

Not bad. Better than traditional processors by a mile. But you're still paying that half-percent on every transaction. Plus network fees.

For high-volume merchants, those fractions add up fast.

CoinPayments: The OG Crypto Processor

CoinPayments launched back in 2013. They've been around longer than most crypto projects. Supports over 2,000 cryptocurrencies, impressive range.

The Fee Structure:

• 0.5-1% processing fees

• Variable rates based on transaction type

• 0% payout fees

The Drawbacks:

• No customizable network fee controls

• Processing speeds inconsistent (minutes to hours)

• Limited flexibility for merchant optimization

Same story. You're saving compared to Visa and Mastercard. But that 0.5-1% still chips away at every sale.

Plus, those variable processing times? Customer experience killer.

Larecoin: The Gas-Only Revolution

Here's where things get interesting.

Larecoin operates on a fundamentally different model. No processing fees. No percentage cuts. Just blockchain gas fees.

The Fee Structure:

• Gas fees only

• No intermediary percentage

• Direct merchant-to-customer transactions

What That Means:

• 50%+ cost reduction versus traditional processors

• Significantly lower than NOWPayments and CoinPayments

• You keep more of every sale

The Self-Custody Advantage

Both NOWPayments and CoinPayments handle your funds. That's the traditional payment processor model.

Larecoin flips that entirely.

Smart Wallet Technology: Your funds never touch a third-party custodian. Direct settlement into your own wallet. Full control. Full custody.

Why does this matter?

• No withdrawal delays

• No frozen accounts

• No custodial risk

• Your money, your keys

This isn't just a philosophical difference. It's a practical one. When you control your funds, you control your cash flow.

LUSD: The Stablecoin Edge

Volatility concerns? Valid.

Larecoin's native LUSD stablecoin solves this elegantly. Accept payments in crypto. Settle in stable value. No wild swings between the transaction and your books.

LUSD Benefits:

• Dollar-pegged stability

• Seamless conversion within the ecosystem

• Reduced exposure to market volatility

• Clean accounting for your finance team

Your customers pay in whatever crypto they prefer. You receive predictable value. Everyone wins.

NFT Receipts: Not Just a Gimmick

Every Larecoin transaction generates an NFT receipt.

Sound like a novelty? Think again.

Real Business Value:

• Immutable transaction records

• Blockchain-verified proof of purchase

• Simplified dispute resolution

• Customer engagement touchpoint

• Built-in loyalty program potential

Traditional receipts get lost. Email receipts get buried. NFT receipts live on-chain forever. Verifiable. Transferable. Useful.

For warranty claims, returns, and customer service, this changes everything.

The Head-to-Head Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	Gas only
Custody Model	Custodial	Custodial	Self-custody
Stablecoin	Third-party	Third-party	Native LUSD
NFT Receipts	No	No	Yes
POS Solution	Plugin-based	Plugin-based	Contactless QR
Hardware Required	Varies	Varies	None

The math is simple. On a $100 transaction:

• NOWPayments takes $0.50-$1.00

• CoinPayments takes $0.50-$1.00

• Larecoin takes only gas (pennies on most networks)

Scale that to thousands of transactions monthly. The savings compound dramatically.

US Compliance: Playing by the Rules

Here's something the offshore platforms can't match.

Larecoin is pursuing rigorous US regulatory compliance. Money Services Business (MSB) registration. State Money Transmitter License (MTL) strategy in progress.

Why This Matters:

• Legal clarity for US-based merchants

• Banking relationships stay intact

• Customer trust increases

• No regulatory surprises

Many crypto payment processors operate in gray areas. That works until it doesn't. Larecoin is building for the long game.

The Contactless POS Revolution

Forget expensive hardware terminals.

Larecoin's contactless QR-based POS system runs on devices you already own. Smartphone. Tablet. Done.

No hardware costs. No installation headaches. Instant deployment.

Your customers scan. They pay. Transaction complete. NFT receipt generated. Funds in your wallet.

This is Web3 payments stripped down to pure efficiency.

Making the Switch

Transitioning payment processors sounds painful. With Larecoin, it's not.

Getting Started:

1. Set up your Smart Wallet

2. Connect to the Merchant Portal

3. Generate your QR codes

4. Start accepting payments

No lengthy onboarding. No hardware shipments. No integration nightmares.

The Larecoin ecosystem handles the complexity. You focus on your business.

The Bottom Line

NOWPayments and CoinPayments improved on traditional processors. No question.

But Larecoin represents the next evolution.

Gas-only fees mean more money stays with you. Self-custody means you control your funds. LUSD means stability without sacrifice. NFT receipts mean verifiable, permanent records. US compliance means peace of mind.

The Web3 payment landscape has options. But when you break down the actual costs, features, and benefits?

One processor actually slashes your interchange fees. The others just reduce them.

Ready to stop giving away percentages of every sale? Explore what Larecoin can do for your business.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we build the future of Web3 payments.