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

Merchant fees are killing your bottom line.

Traditional payment processors charge 2-3%. Crypto payment gateways promise better. But do they deliver?

Let's break down the real costs.

The Fee Structure Nobody Talks About

Most crypto payment platforms use the same tired model as credit card processors. Percentage-based fees that scale with your success.

NOWPayments hits you with 0.5% for single-currency transactions. Multi-currency? That jumps to 1%. Plus network fees. Plus withdrawal fees. Plus conversion spreads.

CoinPayments runs a similar playbook. 0.5-1% per transaction. Blockchain fees on top. Withdrawal penalties. Currency conversion costs that add up fast.

Larecoin ditches the percentage model entirely. Zero platform fees. Only Solana network gas costs: $0.001-$0.02 per transaction.

The difference? Massive.

Real Numbers at Real Volumes

Let's run the math on what you'd actually pay.

At $500K annual volume:

• NOWPayments: $2,500-$5,000 in fees

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in gas costs

• Your savings: 50-60%

At $1.2M annual volume:

• NOWPayments: $9,000+ in fees

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

• Larecoin: ~$2,000 in gas costs

• Your savings: 67-83%

At $5M annual volume:

• NOWPayments: $25,000+ in fees

• CoinPayments: $25,000+ in fees

• Larecoin: ~$5,000 in gas costs

• Your savings: 80%+

The pattern is clear. The more you process, the more you save.

Why Percentage Fees Are a Growth Penalty

Traditional payment processors designed percentage-based fees for their benefit. Not yours.

Every dollar you earn costs you more. Scale your business? Pay more fees. Double your revenue? Double your payment processing costs.

It's a tax on success.

Crypto payment gateways like NOWPayments and CoinPayments copied this model. They're charging crypto fees using outdated traditional finance logic.

The Gas-Only Advantage

Larecoin operates on Solana. One of the fastest, cheapest blockchains available.

Gas costs are fixed per transaction. Not percentage-based. Whether you process a $100 payment or a $10,000 payment, the network cost is the same.

This fundamentally changes your unit economics.

Process 1,000 transactions? Pay ~$10-$20 in gas. Process 100,000 transactions? Pay ~$1,000-$2,000 in gas.

Linear scaling. No compound fee penalties.

Your growth doesn't fund payment processor profits.

Beyond Fees: What You're Actually Getting

Price matters. But features matter more when they solve real merchant problems.

NOWPayments offers:

• Multi-cryptocurrency support

• API integration

• Basic analytics dashboard

• Percentage-based fee structure

CoinPayments offers:

• Multi-wallet support

• Payment buttons

• Shopping cart plugins

• Percentage-based fee structure

Larecoin offers:

• Gas-only pricing

• NFT receipts for instant proof-of-payment

• LUSD stablecoin integration for price stability

• Self-custody merchant accounts (your keys, your crypto)

• Receivables token for liquidity management

• Web3 global payments without currency conversion fees

The difference isn't just cost. It's capability.

NFT Receipts Change Everything

Every Larecoin transaction generates an NFT receipt. Minted on-chain. Immutable. Timestamped.

Why does this matter?

For accounting: Instant proof-of-payment that can't be disputed or lost.

For compliance: Blockchain-verified transaction history that auditors trust.

For customers: Portable digital receipts that live in their wallet forever.

Traditional payment processors email you a PDF. Larecoin gives you a cryptographic proof-of-payment stored on a public blockchain.

One is an attachment. The other is an asset.

LUSD Stablecoin Eliminates Volatility Risk

Crypto payments have one major merchant concern: price volatility.

Accept Bitcoin today, watch its value drop 5% tomorrow. That's not a payment system. That's a casino.

Larecoin integrates LUSD stablecoin. Pegged 1:1 to USD. Overcollateralized. Decentralized.

Accept payment in LUSD. Hold value in LUSD. Convert to cash when you need it. No volatility exposure.

You get crypto payment benefits without crypto payment risks.

Self-Custody Means True Financial Sovereignty

NOWPayments and CoinPayments are custodial. They hold your funds. You trust them to release your money.

That's not Web3. That's traditional banking with extra steps.

Larecoin is non-custodial. You control your private keys. Your funds hit your wallet directly. No intermediary approval required.

This means:

• No account freezes

• No withdrawal limits

• No "under review" payment holds

• No counterparty risk

Bank-free business operations. Actually bank-free.

The Receivables Token Revolution

Larecoin's receivables token lets you tokenize future payments. Turn pending revenue into liquid assets today.

Need working capital? Sell receivables tokens to liquidity providers. Get paid now for work you'll complete later.

This unlocks cash flow solutions impossible with traditional payment processors.

NOWPayments can't do this. CoinPayments can't do this. Only blockchain-native payment systems enable receivables tokenization.

Real-World Scenario: Coffee Shop Economics

Let's compare platforms for a small business doing $30,000 monthly in transactions.

NOWPayments scenario:

• Monthly platform fees: $150-$300

• Network fees: $50-$100

• Withdrawal fees: $25-$50

• Total monthly cost: $225-$450

CoinPayments scenario:

• Monthly platform fees: $150-$300

• Blockchain fees: $50-$100

• Conversion costs: $30-$60

• Total monthly cost: $230-$460

Larecoin scenario:

• Monthly gas costs: $20-$40

• Platform fees: $0

• Withdrawal fees: $0

• Total monthly cost: $20-$40

Annual savings: $2,460-$5,040

That's real money. Reinvest it in inventory. Marketing. Staff. Growth.

Not payment processor profits.

Migration Is Easier Than You Think

Switching payment processors sounds complicated. It's not.

Larecoin provides API documentation. Integration guides. Developer support. Most merchants are live within 48 hours.

No long-term contracts. No setup fees. No hidden costs.

Start small. Process a few test transactions. Scale when you're comfortable.

The barrier to entry is low. The savings are immediate.

The Verdict on Reducing Merchant Interchange Fees

NOWPayments works if you want traditional crypto payment processing. Percentage fees. Custodial model. Limited innovation.

CoinPayments offers similar capabilities with similar cost structures. Incremental improvements over traditional processors.

Larecoin fundamentally rethinks payment economics. Gas-only pricing. Self-custody. NFT receipts. Receivables tokenization. Web3-native architecture.

For merchants serious about reducing merchant interchange fees, the choice is clear.

Zero platform fees beat percentage-based fees. Always.

What Happens Next?

Visit Larecoin to explore the merchant portal.

Review the technical documentation. Test the system. Compare the real costs against your current processor.

The data speaks for itself.

Every transaction you process on percentage-based platforms costs you more than it should. That money could fund your growth instead of someone else's profits.

Web3 global payments aren't coming. They're here. The question is whether you'll adapt before your competitors do.

The merchants who switch early gain the competitive advantage. Lower costs. Better features. Financial sovereignty.

The merchants who wait pay premium fees for legacy solutions.

Your choice.