NOWPayments vs CoinPayments vs Larecoin: Which Web3 Payment Solution Actually Reduces Merchant Interchange Fees?

Merchant interchange fees are eating your profits alive.

Traditional payment processors charge 2.5-3.5% per transaction. That's $15,000 on $500K in annual sales. Gone. Just like that.

Crypto payment processors promise lower fees. But do they deliver?

Let's break down the real costs of NOWPayments, CoinPayments, and Larecoin. No fluff. Just numbers.

The Fee Structure Breakdown

NOWPayments keeps it straightforward.

0.5% for single-currency transactions. 1% for multi-currency conversions. Zero payout fees.

They support 300+ cryptocurrencies. Transaction processing takes about 5 minutes. You get customizable network fee options to optimize checkout.

CoinPayments charges similar rates with a catch.

0.5% for BTC and ETH. 1% for tokens and stablecoins. Zero payout fees sounds good.

But here's the problem: variable processing speeds. Sometimes minutes. Sometimes hours. Plus additional conversion and withdrawal fees that add up.

They support 2,000+ cryptocurrencies. Sounds impressive until you realize most merchants need maybe 10-15 max.

Larecoin takes a different approach entirely.

Gas-only fee model. No percentage-based transaction fees. Zero. Nada.

You pay what the network charges. Nothing more. This is the reduce merchant interchange fees model that actually works.

Real Cost Comparison at Scale

Numbers don't lie. Let's run the math.

At $500,000 annual volume:

• Traditional processor (2.5-3.5%): $12,500-$17,500

• NOWPayments (0.75% average): ~$3,750

• CoinPayments (0.75% average): ~$3,750

• Larecoin (gas-only): Under $2,000

At $10,000 monthly revenue:

• Traditional processor: $250-$350

• NOWPayments: $75-$100

• CoinPayments: $75-$100

• Larecoin: Network gas fees only (typically $20-$40)

The savings compound fast. Over five years at $500K annual volume, Larecoin saves you $18,750 compared to other crypto processors. That's real money back in your business.

Beyond Fees: What Actually Matters

Fees matter. But they're not everything.

NOWPayments gives you flexibility. Customizable network fees mean you can optimize for speed or cost. Their API is solid. Integration is straightforward.

But you're still paying percentage fees. And at scale, that hurts.

CoinPayments offers massive crypto variety. 2,000+ options sounds great on paper.

The reality? Variable processing speeds kill conversion rates. Customers don't wait hours for transaction confirmations. They bounce.

Plus those "additional fees" for conversions and withdrawals. They're vague. They add up. You never quite know your final cost.

Larecoin does three things differently.

First: self-custody merchant accounts. You control your funds. No middleman holding your money. No waiting for payouts. True financial sovereignty.

Second: native LUSD stablecoin integration. Price volatility gone. You accept crypto without crypto risk. LUSD stablecoin benefits without the percentage fees.

Third: NFT receipts for accounting. Every transaction becomes an immutable, verifiable record. Tax time becomes simple. Accounting becomes automated. Compliance becomes easy.

The Self-Custody Advantage

Traditional processors hold your funds. Crypto processors hold your funds. Larecoin? You hold your funds.

Self-custody merchant accounts mean bank-free business operations. No account freezes. No arbitrary holds. No "suspicious activity" flags that lock up your cash flow.

Your crypto. Your wallet. Your control.

This matters more than most merchants realize. Payment processor disputes drain time and money. Self-custody eliminates that entirely.

Plus: receivables token functionality. Turn unpaid invoices into tradeable assets. Get liquidity without factoring fees. This is next-level financial flexibility.

NFT Receipts Change the Game

Every transaction generates an NFT receipt. Sounds gimmicky until you see the benefits.

Immutable proof of purchase. Timestamped. Verifiable. Tamper-proof.

Your accounting software imports directly from blockchain records. No manual entry. No reconciliation headaches. No receipt lost in email.

Tax audits become simple. Show the NFT. Transaction verified. Done.

For businesses with complex inventory or service tracking, this is transformative. Every item movement tracked on-chain. Full transparency. Zero trust required.

When NOWPayments Makes Sense

NOWPayments works for specific use cases.

You need multi-currency support with fast processing. You're willing to pay 0.5-1% for that convenience. You want plug-and-play integration.

Their 300+ cryptocurrency support covers most customer preferences. Five-minute processing keeps checkout friction low. Customizable network fees let you balance speed versus cost.

For merchants doing under $100K annually, the percentage fees hurt less. The convenience might outweigh the cost.

But scale up? Those fees become real money fast.

When CoinPayments Makes Sense

CoinPayments fits niche scenarios.

You absolutely need support for obscure altcoins. Your customer base demands 2,000+ cryptocurrency options. You can tolerate variable processing speeds.

The zero payout fees look attractive. But remember those conversion and withdrawal fees. They're there. They're real. They add up.

For merchants in crypto-native markets with diverse payment preferences, CoinPayments handles the variety. Just know what you're paying for that breadth.

When Larecoin Wins

Larecoin dominates for merchants focused on margin retention.

You process significant volume. You want maximum cost reduction. You value self-custody and financial sovereignty. You need bank-free business operations.

The gas-only model scales beautifully. Your costs stay flat as revenue grows. Traditional processors take bigger cuts as you succeed. Larecoin doesn't.

LUSD stablecoin integration means accepting crypto without volatility risk. NFT receipts mean automated accounting and compliance. Self-custody means true control.

For US-based merchants prioritizing compliance and cost reduction, Larecoin checks every box.

This is the NOWPayments alternative and CoinPayments alternative that actually reduces merchant interchange fees by 50%+ compared to crypto competitors. And 85%+ compared to traditional processors.

The Hidden Costs Nobody Talks About

Percentage fees are obvious. But hidden costs destroy margins silently.

Chargeback fees. Traditional processors charge $20-$100 per chargeback. Plus the lost merchandise. Plus the time fighting disputes.

Crypto transactions are final. No chargebacks. No dispute fees. That alone saves thousands annually for mid-volume merchants.

Currency conversion spreads. NOWPayments and CoinPayments charge for converting crypto to fiat. Those spreads range from 0.5-2% depending on volume and currency pairs.

Larecoin's LUSD integration eliminates this entirely. Accept stablecoin. Hold stablecoin. No conversion needed.

Integration costs. Complex APIs mean developer time. Developer time means money.

Larecoin's crypto POS system for small business integrates seamlessly. Minimal technical overhead. Maximum functionality.

Making Your Decision

Start with your numbers.

Calculate your current payment processing costs. Multiply annual revenue by your effective rate (usually 2.5-3.5% for traditional, 0.75% for crypto processors).

Now calculate Larecoin's gas-only costs. Estimate network fees based on transaction volume and timing.

The difference is your annual savings. Compound that over 3-5 years.

Next consider your priorities.

Need maximum crypto variety? CoinPayments might fit despite higher variable costs.

Want balance between convenience and fees? NOWPayments offers solid middle ground.

Prioritizing cost reduction and financial sovereignty? Larecoin delivers both.

The Bottom Line

Traditional payment processors charge 2.5-3.5%. NOWPayments and CoinPayments charge 0.5-1%. Larecoin charges gas-only.

At scale, this matters enormously.

$500K annual volume means $2,000 with Larecoin versus $3,750+ with competitors. Over five years, that's $8,750+ staying in your business.

Add self-custody benefits. Add NFT receipt accounting automation. Add LUSD stablecoin stability without conversion fees.

Larecoin isn't just cheaper. It's a complete Web3 global payments infrastructure designed for merchant growth.

The question isn't which crypto payment processor to choose. The question is whether you're ready for true financial sovereignty with the lowest possible fees.

Your margins thank you. Your accountant thanks you. Your business thanks you.

Ready to slash your payment processing costs by 50%+? Explore how Larecoin transforms merchant payments at larecoin.com.