Tired of NOWPayments and CoinPayments? Here's How a Receivables Token Cuts Your Fees in Half

Let's be real.

You switched to crypto payments to escape traditional payment processor fees. Now you're paying 0.5-1% per transaction on NOWPayments or CoinPayments. That's $500-$1,000 gone every month on just $100K in volume.

Not exactly the financial freedom you signed up for.

There's a better way. Receivables tokens are flipping the script on crypto payment processing. We're talking 50% or more in fee reduction. Gas-only transactions. True self-custody.

Here's how it works.

The Problem with Current Crypto Payment Processors

NOWPayments. CoinPayments. They promised lower fees than Visa and Mastercard.

And technically, they delivered. Sort of.

But here's what they don't advertise:

• Percentage-based fees compound fast. That 0.5-1% adds up at scale.

• Hidden conversion fees. Want to cash out to fiat? Another fee.

• Variable settlement times. Sometimes hours. Sometimes days.

• Custodial wallets. Your money sits in their hands, not yours.

You're still stuck in the old paradigm. A middleman takes a cut. You wait for your money. Someone else controls access.

Web3 was supposed to fix this.

Enter Receivables Tokens: The Game Changer

A receivables token represents your right to funds from a transaction.

Simple concept. Massive implications.

When a customer pays you in crypto through a receivables token system, you don't just get money deposited into a third-party account. You get a digital token proving ownership of those funds. It lives in your self-custody wallet. Instantly.

No waiting. No middleman. No asking permission to access your own money.

Here's why this matters:

• Trade it immediately. Need liquidity? Convert on-chain in seconds.

• Use it as collateral. Borrow against your receivables without selling.

• Zero percentage fees. Only gas costs. Pennies, regardless of transaction size.

A $10 transaction costs the same as a $10,000 transaction to process. Try that with NOWPayments.

The Numbers Don't Lie: Fee Comparison

Let's break down what you're actually paying:

Processing Method	Typical Fees	Settlement Time
Traditional Credit Cards	2.5-3.5%	2-3 days
CoinPayments	0.5-1%	Network dependent
NOWPayments	0.5-1%	Variable
Receivables Token (LUSD)	Gas only	Near-instant

Run $500,000 annually through CoinPayments at 0.75%. That's $3,750 in fees.

Run the same volume through a receivables token system. You're paying maybe $50-100 in gas fees total.

That's over 97% savings.

The math is brutal for legacy processors.

Why LUSD Stablecoin Changes Everything

Volatility kills commerce.

You accept Bitcoin. It drops 10% before you convert. Congratulations, you just lost 10% of your revenue.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity. When you receive LUSD, you know exactly what you're getting. No surprises. No volatility stress. No watching charts while customers check out.

Key LUSD advantages:

• Dollar-pegged stability. One LUSD equals one USD. Period.

• Gas-only transfers. No percentage-based fees eating your margins.

• Self-custody native. Your LUSD, your wallet, your control.

• Instant settlement. Funds available immediately after confirmation.

Compare that to receiving Bitcoin through CoinPayments, waiting for network confirmation, then paying another fee to convert to fiat, then waiting 2-3 days for bank settlement.

LUSD skips all of that.

NFT Receipts: More Than Just a Transaction Record

Every transaction through Larecoin generates an NFT receipt.

Sounds gimmicky? It's not.

These NFT receipts create an immutable, verifiable record of every transaction. On-chain. Permanent. Tamper-proof.

Why this matters for merchants:

• Dispute resolution. Irrefutable proof of transaction completion.

• Automated accounting. Your transaction history lives on-chain, queryable forever.

• Customer loyalty integration. Tie rewards and benefits to transaction NFTs.

• Audit-ready records. No more digging through spreadsheets for tax season.

NOWPayments gives you a dashboard. CoinPayments gives you export files.

Larecoin gives you blockchain-verified proof of every transaction you've ever processed. Forever.

Self-Custody: Why It's Non-Negotiable in Web3 Payments

Here's the uncomfortable truth about most crypto payment processors.

They're just traditional payment processors wearing a blockchain costume.

Your funds go into their wallets. You request withdrawals. They process them when they feel like it. They can freeze your account. They can change their terms.

You're not in control.

Self-custody flips this entirely:

• Instant access. Your funds hit your wallet directly.

• No freeze risk. Nobody can lock you out of your own money.

• True ownership. Not "we hold it for you" ownership. Actual ownership.

• Interoperability. Use your funds across any DeFi protocol instantly.

Larecoin's receivables token system is built for self-custody from the ground up. Your merchant account isn't hosted on someone else's server. It's your wallet. Your keys.

That's not just a philosophical difference. That's operational security.

Visit Larecoin Pay to see how true self-custody merchant processing works.

How Larecoin Beats NOWPayments and CoinPayments

Let's stack up the competition:

NOWPayments:

• 0.5% minimum fee

• Custodial by default

• Variable settlement

• No receivables tokenization

• Basic transaction records

CoinPayments:

• 0.5-1% per transaction

• Centralized platform

• Network-dependent settlement

• Conversion fees for fiat

• Dashboard-based records

Larecoin:

• Gas-only fees (pennies)

• Self-custody native

• Near-instant settlement

• LUSD stablecoin stability

• NFT receipt verification

• Receivables token collateralization

The comparison isn't close.

Larecoin isn't iterating on the old model. It's replacing it entirely.

Getting Started with Larecoin

Ready to cut your processing fees in half? Here's your move:

1. Set up your self-custody wallet. Solana-compatible. Your keys, your crypto.

2. Connect to Larecoin's payment infrastructure. Direct integration. No intermediaries.

3. Start accepting LUSD. Stable value. Gas-only transfers.

4. Watch your receivables tokens accumulate. Real assets. Real ownership.

Check out the Larecoin Whitepaper for the full technical breakdown.

Join the Larecoin Community to connect with merchants already making the switch.

The Bottom Line

NOWPayments and CoinPayments were fine for 2020.

It's 2026. Web3 payments have evolved.

Receivables tokens eliminate percentage-based fees. LUSD removes volatility risk. NFT receipts create bulletproof transaction records. Self-custody puts you back in control.

The merchants winning in crypto commerce aren't the ones paying 0.5-1% per transaction. They're the ones paying gas fees only.

50%+ fee reduction isn't a marketing claim. It's basic math.

Stop paying for someone else's infrastructure. Start keeping what you earn.

Explore Larecoin and see what real Web3 payments look like.