Crypto POS System for Small Business: 10 Reasons Your Current Setup Is Bleeding Fees

Let's be real. Your current payment setup is quietly draining your profits.

Every swipe. Every tap. Every online checkout. Fees stack up. Middlemen take cuts. Your hard-earned revenue disappears into the pockets of banks, processors, and card networks.

Small businesses can't afford this anymore.

A crypto POS system changes everything. But not all solutions are created equal. Some platforms: like NOWPayments or CoinPayments: still leave gaps. Hidden costs. Custody concerns. Missing features.

Larecoin was built different.

Here are 10 reasons your current setup is bleeding fees: and why switching to a self-custody crypto payment solution saves your bottom line.

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1. Transaction Fees Are Eating Your Margins

Traditional credit card processing charges between 1.5% and 3.5% per transaction. For a small business doing $100,000 in annual sales, that's up to $3,500 gone.

Just in fees.

Crypto payment gateways cut this dramatically. Larecoin's ecosystem slashes interchange fees by up to 50% compared to legacy systems.

NOWPayments charges 0.5% per transaction. CoinPayments sits around 0.5% too. But neither offers the full self-custody, instant settlement, and stablecoin flexibility that Larecoin delivers.

More revenue stays where it belongs. In your pocket.

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2. Too Many Middlemen Taking Cuts

Here's what happens with every card transaction:

• Card network (Visa, Mastercard) takes a cut

• Issuing bank takes a cut

• Payment processor takes a cut

• Your acquiring bank takes a cut

Four layers. Four hands in your revenue.

Crypto removes the middlemen. Direct peer-to-peer transfers. No banks. No card networks. Just you and your customer.

Larecoin takes this further with LUSD: our stablecoin pegged to the dollar. Customers pay in LUSD. You receive LUSD. No conversion. No intermediary markup.

Pure merchant freedom.

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3. Slow Settlement Kills Your Cash Flow

Card payments settle in 1-2 business days. Sometimes longer over weekends and holidays.

That's YOUR money sitting in limbo.

Crypto POS systems on Solana? Near-instant settlement. Funds hit your wallet before the customer walks out the door.

NOWPayments and CoinPayments offer reasonably fast settlement. But Larecoin leverages Solana's lightning-fast blockchain for sub-second finality.

Cash flow unlocked.

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4. Hidden Processor Markups Nobody Talks About

Credit card base fees aren't the whole story.

Your payment processor adds their own markup on top. Processing fees. Statement fees. PCI compliance fees. Monthly minimums.

These hidden costs compound fast.

With Larecoin, what you see is what you get. No hidden markups. No surprise charges at month-end. Transparent, decentralized crypto payments.

Your business. Your money. Full visibility.

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5. Currency Conversion Fees Punish Global Sales

Selling internationally? Traditional systems hit you with currency conversion fees. 2-3% on top of standard processing.

Stablecoins eliminate this entirely.

LUSD works globally. A customer in Tokyo pays the same as a customer in Toronto. No forex spreads. No conversion friction.

CoinPayments supports multiple cryptocurrencies but doesn't offer a native stablecoin ecosystem. NOWPayments relies on third-party conversions.

Larecoin's LUSD keeps things simple. Direct. Borderless.

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6. Chargebacks Are Bleeding You Dry

Credit card chargebacks cost merchants billions annually. Dispute fees. Lost merchandise. Administrative headaches.

And here's the thing: merchants lose most chargeback disputes.

Cryptocurrency transactions are irreversible. Once confirmed, it's done. No chargebacks. No reversals. No fraudulent "item not received" claims draining your revenue.

This alone can save small businesses thousands per year.

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7. Your Current System Lacks Self-Custody

Here's where most crypto payment processors fail.

NOWPayments? They hold your funds temporarily. CoinPayments? Same deal.

You're trusting third parties with your revenue. Sound familiar? That's exactly what traditional banking does.

Larecoin operates on true self-custody. Funds go directly to YOUR wallet. No intermediary holds your crypto. Not even for a second.

Financial sovereignty. Real merchant independence.

Learn more about reducing fees while keeping full custody in our detailed guide.

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8. No NFT Receipts = Missed Opportunities

Paper receipts? PDFs? That's 2010 technology.

NFT receipts are the future of transaction records. Immutable. Verifiable. Stored on-chain forever.

Every Larecoin transaction can generate an NFT receipt. Proof of purchase that can't be altered or lost. Perfect for warranties, returns, and customer loyalty programs.

Neither NOWPayments nor CoinPayments offers native NFT receipt functionality. This is a Larecoin exclusive.

Modern merchants need modern tools.

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9. Painful Onboarding Wastes Time and Money

Traditional merchant accounts? Days of paperwork. Credit checks. Verification hoops.

Even some crypto processors require extensive KYC, multi-day approval processes, and complex integration setups.

Larecoin gets you operational fast. Connect your wallet. Configure your settings. Start accepting payments.

Time is money. Stop wasting both on bloated onboarding processes.

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10. Outdated Technology Leaves You Behind

Your competitors are already exploring Web3 payments. Stablecoin checkout. Crypto-native customers.

Sticking with legacy POS systems means:

• Missing crypto-holding customers

• No access to metaverse commerce

• Zero blockchain-based loyalty features

• Falling behind on payment innovation

The Larecoin ecosystem offers Web3 global payments, receivable tokens, gas-only transfers, and push-to-card functionality. Everything modern merchants need.

NOWPayments and CoinPayments handle basic crypto acceptance. Larecoin delivers a complete decentralized finance infrastructure.

Check out our direct comparison with NOWPayments and CoinPayments to see the full breakdown.

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The Bottom Line

Your current payment setup costs more than you realize.

• High transaction fees

• Multiple middlemen

• Slow settlements

• Hidden markups

• Currency conversion costs

• Chargeback losses

• No self-custody

• Missing NFT receipts

• Tedious onboarding

• Outdated technology

Every single one of these drains your profits.

A crypto POS system built for small business solves all ten.

Larecoin goes further than competitors like NOWPayments and CoinPayments by offering true self-custody, native LUSD stablecoin integration, NFT receipts, and Solana-powered instant settlement.

50% fee savings. Full custody. Complete merchant freedom.

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Ready to Stop Bleeding Fees?

The merchants winning in 2026 are the ones embracing decentralized payments now.

Visit Larecoin.com to explore the ecosystem. Read the whitepaper. Connect your wallet.

Your margins will thank you.