Stop Wasting Fees on NOWPayments or CoinPayments: 5 Ways a Receivables Token Puts More Money Back in Your Pocket

Let's talk about the elephant in the room.

You switched to crypto payments to escape the 2.5%+ fees from traditional processors. Smart move. But here's the thing, platforms like NOWPayments and CoinPayments are still skimming 0.5% to 1% off every single transaction.

Sounds small. It's not.

Process $100,000 monthly? That's $500 to $1,000 vanishing into thin air. Every. Single. Month.

There's a better way. It's called a receivables token. And it's about to change everything you thought you knew about Web3 payments.

The Problem with Traditional Crypto Payment Gateways

NOWPayments and CoinPayments revolutionized merchant crypto acceptance. No argument there.

But they're built on an old model. A custodial model. They hold your funds. They control the conversion. They set the fees.

Sound familiar? It should. It's the same playbook Visa and Mastercard have run for decades.

Here's what you're actually paying for:

• Transaction fees: 0.5% to 1% per payment

• Conversion spreads: Hidden markups on crypto-to-fiat swaps

• Withdrawal fees: Extra charges to access your own money

• Custodial risk: Your funds sit in someone else's wallet

The crypto revolution promised financial sovereignty. These platforms deliver financial dependency with a blockchain wrapper.

Enter the Receivables Token: A Paradigm Shift

A receivables token isn't just another cryptocurrency. It's a fundamental reimagining of how payments work.

Think of it as a digital proof of payment that exists on-chain. Permanent. Verifiable. Yours.

When a customer pays, you don't just receive funds. You receive a tokenized record of that transaction. This record holds value, provides proof, and opens doors that traditional payment processors keep locked.

Larecoin's receivables token embodies this philosophy. Built on Solana for speed. Designed for merchants who demand more.

Let's break down the five ways this approach puts real money back in your pocket.

Way #1: Slash Interchange Fees by 50% or More

The math is simple.

NOWPayments charges up to 1% per transaction. CoinPayments operates in the same range. Traditional cards? 2.5% average.

Larecoin's receivables token model operates on gas-only transfers. No percentage-based fees eating into your margins.

What does gas-only mean?

You pay the network fee to process the transaction. On Solana, that's fractions of a cent. Not fractions of your sale.

The breakdown:

• $1,000 sale on NOWPayments: $5-$10 in fees

• $1,000 sale on CoinPayments: $5-$10 in fees

• $1,000 sale with Larecoin: Pennies

Scale that across thousands of transactions. The savings compound fast.

Way #2: NFT Receipts That Actually Work for You

Every transaction generates an NFT receipt. Not a gimmick. A genuine utility.

Here's why this matters:

Dispute Resolution Chargebacks cost merchants billions annually. Traditional systems favor the customer. An immutable, on-chain receipt changes the game. Proof exists. It's timestamped. It's indisputable.

Accounting Automation NFT receipts integrate directly with modern accounting systems. No manual entry. No reconciliation headaches. Your books stay clean automatically.

Customer Loyalty These receipts become collectibles. Customers who hold them? They're engaged customers. Repeat customers. Brand ambassadors.

NOWPayments gives you a transaction ID. CoinPayments sends a confirmation email. Larecoin gives you a permanent, programmable asset.

Which sounds more valuable?

Way #3: LUSD Stablecoin Eliminates Volatility Risk

Crypto volatility terrifies merchants. Rightfully so.

Accept $500 in Bitcoin today. Wake up tomorrow to $450 in your wallet. That's not a payment, that's a gamble.

Larecoin's LUSD stablecoin solves this completely.

Key advantages:

• Pegged to the US dollar

• Instant settlement

• No conversion fees

• No exchange rate surprises

Your $500 sale stays a $500 sale. Period.

CoinPayments offers auto-conversion to fiat. Convenient, yes. But you're paying for that conversion. Hidden spreads. Exchange fees. Processing delays.

LUSD keeps you in the crypto ecosystem without the risk. Spend it. Hold it. Convert when YOU choose: not when the platform decides.

Way #4: Self-Custody Means True Financial Sovereignty

This is where things get serious.

When you use NOWPayments or CoinPayments, your funds flow through their wallets first. They're the custodian. You're the guest.

What happens if:

• The platform gets hacked?

• Regulatory pressure freezes accounts?

• The company decides to change terms?

Your money. Their rules.

Larecoin's self-custody model flips this entirely.

Funds go directly to YOUR wallet. No intermediary. No custodian. No permission needed to access what's yours.

Self-custody benefits:

• Instant access to funds

• Zero counterparty risk

• Complete privacy

• True ownership

The entire point of decentralization is removing middlemen. Why accept crypto payments through a middleman?

Way #5: Push-to-Card Bridges Crypto and Traditional Finance

Here's the reality. Not everything accepts crypto. Yet.

You need flexibility. Larecoin delivers with push-to-card functionality.

Receive payments in crypto. Push to your debit card when needed. Spend anywhere Visa or Mastercard is accepted.

The flow:

1. Customer pays in crypto

2. Receivables token generates

3. Funds settle in your wallet

4. Push to card with one click

5. Spend at any traditional merchant

No waiting for ACH transfers. No conversion queues. Instant liquidity when you need it.

NOWPayments and CoinPayments require separate integrations for fiat off-ramping. Multiple accounts. Multiple fees. Multiple headaches.

Larecoin unifies everything in one ecosystem.

The Real Cost of Sticking with Legacy Crypto Processors

Let's run the numbers on a typical e-commerce merchant.

Monthly volume: $50,000 Annual volume: $600,000

With NOWPayments/CoinPayments (0.75% average):

• Annual fees: $4,500

• Plus conversion spreads: ~$1,500

• Plus withdrawal fees: ~$500

• Total annual cost: $6,500+

With Larecoin:

• Gas fees: ~$50-100 annually

• No conversion fees with LUSD

• No withdrawal fees with self-custody

• Total annual cost: Under $100

That's $6,400+ back in your pocket. Every year.

Invest it. Save it. Grow your business with it.

Making the Switch: Easier Than You Think

Transitioning from NOWPayments or CoinPayments to Larecoin isn't a massive undertaking.

Step 1: Set up your self-custody wallet Step 2: Integrate Larecoin's payment solution Step 3: Start accepting payments immediately

The Larecoin whitepaper details the technical architecture. The community forum answers implementation questions. Support stands ready to assist.

No long-term contracts. No vendor lock-in. Just better payments.

The Bottom Line

NOWPayments and CoinPayments served their purpose. They introduced merchants to crypto acceptance.

But the game has evolved.

Receivables tokens represent the next generation. Lower fees. Better records. True ownership. Practical utility.

Larecoin isn't just another payment processor. It's a complete ecosystem designed for merchants who refuse to settle for "good enough."

Your money. Your wallet. Your rules.

Ready to stop wasting fees? Explore Larecoin today and discover what Web3 payments were always meant to be.