The Small Business Owner's Guide to Web3 Global Payments at Half the Cost (Without Trusting CoinPayments or NOWPayments)

You're losing $500+ every month to payment processors.

On just $10,000 in monthly sales, traditional processors drain your revenue with 2.9% interchange, gateway fees, monthly minimums, and cross-border markups. Scale to $100,000 and you're bleeding $5,000+ monthly.

Small businesses can't afford this.

Web3 global payments slash those costs to 0.5-1%. Real blockchain infrastructure. Real savings. Available today.

The Problem With "Crypto Payment Processors"

CoinPayments and NOWPayments market themselves as Web3 solutions.

They're not.

They're custodial middlemen repackaging the same broken payment model you're trying to escape.

Here's what they don't advertise:

• They control your funds. Deposits go to their wallets first. You wait for withdrawals.

• They charge withdrawal fees. Pay to access your own money.

• They can freeze accounts. Terms of service give them unilateral control.

• They add conversion spreads. Markup on crypto-to-fiat conversions hidden in exchange rates.

• They require KYC compliance. Same documentation headaches as traditional processors.

You traded Visa's 2.9% for a different gatekeeper charging 0.5-1% plus custody risk.

That's not financial sovereignty. That's just a cheaper landlord.

Self-Custody Changes Everything

Larecoin operates on a fundamentally different architecture.

Your wallet. Your keys. Your funds.

No intermediary holds your money. No withdrawal delays. No account freezes. No permission needed to access what you earned.

When a customer pays you:

• Transaction settles directly to your wallet in seconds

• You control funds immediately upon blockchain confirmation

• No third party touches your money

• No conversion spreads or hidden fees

Gas fees on Solana? $0.00025 per transaction.

That's it. That's the cost.

A $1,000 sale costs you a quarter of a penny. A $50,000 sale costs you a quarter of a penny.

Compare that to the $1,450 Visa would charge on that $50,000.

Breaking Down the Real Cost Savings

Let's run actual numbers on a typical small business processing $30,000 monthly.

Traditional Payment Processor:

• Interchange fees (2.9%): $870

• Per-transaction fees ($0.30 × 200 transactions): $60

• Monthly gateway fee: $25

• International wire fees (3 monthly): $150

• Currency conversion markup (3% on $5,000): $150

• Reserve hold (10% locked): $3,000 inaccessible

• Total monthly cost: $1,255

Custodial Crypto Gateway (NOWPayments/CoinPayments):

• Processing fee (0.5%): $150

• Withdrawal fees (twice monthly): $50

• Conversion spread (0.5% on fiat conversion): $75

• Total monthly cost: $275

• Plus custody risk

Larecoin Self-Custody:

• Gas fees (200 transactions × $0.00025): $0.05

• Total monthly cost: $0.05

• Zero custody risk

You keep an additional $1,254.95 monthly compared to traditional processors.

That's $15,059 annually back in your business.

NFT Receipts: More Than Proof of Payment

Larecoin transactions generate NFT receipts automatically.

This isn't a gimmick. This is accounting infrastructure.

Every payment mints an immutable, timestamped receipt containing:

• Transaction amount and asset

• Merchant identifier

• Customer wallet address

• Blockchain confirmation

• Timestamp and block number

Benefits for your business:

Instant audit trail. Tax season? Export your entire transaction history from blockchain in 30 seconds. Every receipt cryptographically verified.

Dispute resolution. Customer claims they didn't pay? NFT receipt proves payment with blockchain-level certainty. No chargeback fraud.

Loyalty integration. Award points, discounts, or exclusive access based on purchase NFTs. Automate VIP tier upgrades when wallet holds X purchase receipts.

Secondary revenue. Turn receipts into collectibles. Limited edition product launches include commemorative NFT receipts customers can trade or display.

Traditional receipts are paper trash or forgotten emails.

NFT receipts are permanent, programmable, and verifiable by anyone.

LUSD: The Stablecoin Built for Merchants

Price volatility kills crypto adoption for business.

You can't accept Bitcoin payment when the value drops 8% before you convert it to operating cash.

Stablecoins solve this. But not all stablecoins are created equal.

LUSD advantages for merchants:

Decentralized stability. Backed by overcollateralized ETH deposits. No centralized company can freeze or blacklist LUSD.

Interest-free borrowing. Merchants can borrow LUSD against crypto holdings at 0% interest for working capital. Only one-time issuance fee.

Price predictability. 1 LUSD = $1 USD. Quote prices in USD. Receive payment in LUSD. Convert to fiat or hold in wallet. Zero exchange rate risk.

No counterparty risk. Unlike USDC or USDT backed by corporate reserves, LUSD runs on smart contracts. No company failure risk.

Redemption guarantee. Always redeemable for $1 of ETH collateral. Hard floor on value.

Accept LUSD. Quote in dollars. Settle in seconds. Keep 99.99% of revenue.

Implementation in 15 Minutes

Set up Larecoin payments faster than filling out a merchant account application.

Step 1: Create Solana wallet (5 minutes)

• Download Phantom or Solflare

• Generate new wallet

• Save your seed phrase securely

Step 2: Generate payment address (30 seconds)

• Copy your wallet's public address

• That's your merchant ID

Step 3: Accept first payment (1 minute)

• Customer sends LUSD to your address

• Payment confirms in 5-15 seconds

• Funds appear in your wallet

• NFT receipt minted automatically

Step 4: E-commerce integration (8 minutes)

• Install Solana Pay plugin for Shopify/WooCommerce

• Enter your wallet address

• Configure accepted tokens

• Go live

No merchant approval process. No underwriting review. No compliance documentation. No waiting.

You're live in 15 minutes.

Real-World Savings Examples

Digital agency billing $8,000 monthly to international clients:

Traditional wire transfers: $50 fee + 3-day wait per payment = $600/year + opportunity cost

Larecoin LUSD payment: $0.00025 + 15-second settlement = $0.003/year

Annual savings: $599.99

E-commerce store processing 500 transactions monthly averaging $60:

Visa/Mastercard: $870 interchange + $150 transaction fees = $12,240/year

Larecoin: $0.125 gas fees = $1.50/year

Annual savings: $12,238.50

SaaS subscription service with 200 monthly subscribers at $49:

Stripe: $284 monthly fees = $3,408/year

Larecoin: $0.05 monthly gas = $0.60/year

Annual savings: $3,407.40

These aren't projections. This infrastructure exists today.

Merchants are processing real transactions on these rails right now.

The Self-Custody Imperative

CoinPayments and NOWPayments offer convenience.

They also offer the same control dynamics that make traditional processors problematic.

Your account can be frozen. Payment processors block industries they deem "high risk" constantly. CBD, crypto education, adult content, VPN services, firearms accessories: industries change overnight. One policy update and your revenue stops.

Your funds can be held. Reserve holds, risk assessments, manual reviews: custodial providers delay access to your money for "security."

Your business can be deplatformed. Terms of service give providers unilateral termination rights. No appeal process. No recourse.

Self-custody eliminates these risks entirely.

Your wallet can't be frozen. Your funds can't be held. Your business can't be deplatformed.

You control your financial infrastructure.

That's the entire point of Web3.

Start Accepting Payments Today

Traditional processors cost you $15,000+ annually.

Custodial crypto gateways reduce that to $3,000 while maintaining control over your funds.

Larecoin self-custody costs you $1.50 annually and gives you complete sovereignty.

$0.00025 per transaction. Settlement in seconds. No intermediaries. No permissions.

Financial infrastructure built for merchant freedom.

Set up your wallet. Generate your address. Accept your first payment.

15 minutes to financial sovereignty.

Learn more about Larecoin's merchant solutions at larecoin.com.

Check out our ultimate guide to reducing merchant interchange fees for implementation details.

Join the Larecoin community to connect with other merchants making the switch.

Your money. Your wallet. Your rules.