Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS Actually Cuts Your Fees by 50%?

Let's cut to it.

You're bleeding money on payment processing fees. Traditional card processors take 2.5-3.5% of every transaction. That's thousands of dollars walking out your door every month.

Crypto POS solutions promise relief. But not all of them deliver.

NOWPayments. CoinPayments. Larecoin. Three major players. One question: Which actually slashes your fees by 50% or more?

We ran the numbers. Dug into the tech. Here's what we found.

The Fee Problem Nobody Talks About

$500,000 in annual processing volume. Pretty standard for a mid-sized merchant.

Traditional processors? That's $12,500-$17,500 in fees. Gone. Every year.

Crypto payment solutions entered the market promising better. Most deliver... some improvement. But the difference between "some" and "transformational" is where your bottom line lives.

Head-to-Head: The Real Comparison

Let's break down what each platform actually offers.

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5-1%	Gas-only
Annual Cost on $500K	~$2,500-$5,000	~$2,500-$5,000	Under $2,000
Custody Model	Non-custodial option	Custodial	Full self-custody
Processing Speed	~5 minutes	Minutes to hours	Near-instant
Native Stablecoin	No	No	LUSD
NFT Receipts	No	No	Yes
MTL Compliance	Varies	Varies	Federal MSB + State MTLs

The numbers don't lie. Gas-only transfers fundamentally change the economics.

NOWPayments: The Flexible Option

NOWPayments brings flexibility to the table. 300+ cryptocurrencies supported. Non-custodial options available. Solid API documentation.

Pros:

• Wide crypto selection

• Non-custodial option available

• Decent integration tools

Cons:

• 0.5-1% still adds up

• No native stablecoin

• No NFT receipt functionality

• Variable processing times

For merchants processing $500K annually, NOWPayments costs roughly $2,500-$5,000 in fees. Better than cards. But not revolutionary.

CoinPayments: The Established Player

CoinPayments has been around. That's both good and bad.

Established infrastructure. Proven track record. But the custodial model means your funds sit in someone else's wallet until settlement.

Pros:

• Established reputation

• Multi-coin support

• Shopping cart plugins

Cons:

• Primarily custodial (your funds, their control)

• Same 0.5-1% fee structure

• Settlement delays

• No advanced Web3 features

Same fee math applies. $2,500-$5,000 annually on that $500K volume.

Larecoin: The Gas-Only Model

Here's where things get interesting.

Larecoin operates on a fundamentally different model. No percentage-based processing fees. Just gas costs for on-chain transactions.

On $500K in annual volume? Under $2,000. Total.

That's not 50% savings versus traditional processors. That's 50%+ savings versus other crypto POS solutions too.

How Gas-Only Transfers Work

Traditional crypto processors take a cut of every transaction. That's their business model. They sit between you and your customer.

Larecoin eliminates the middleman. Direct merchant-to-customer transfers. You pay only the network gas fee to move funds on-chain.

Result? Dramatically lower costs at scale.

Technical Advantages That Actually Matter

Fee savings grab headlines. But the tech stack determines long-term value.

NFT Receipts: Immutable Proof

Every Larecoin transaction generates an NFT receipt. On-chain. Permanent. Verifiable.

Why this matters:

• Dispute resolution becomes straightforward

• Accounting integrates with blockchain records

• Customer loyalty programs gain new possibilities

• Returns and warranties tied to immutable proof

No other major crypto POS offers this.

LUSD Stablecoin: Volatility Solved

Crypto volatility kills merchant adoption. Accept Bitcoin today, lose 10% by tomorrow. Not sustainable.

LUSD solves this. Native stablecoin pegged to USD. Accept crypto. Settle in stability.

Full Self-Custody: Your Keys, Your Crypto

CoinPayments holds your funds. NOWPayments offers non-custodial options but defaults custodial.

Larecoin? Full self-custody from the start.

Your private keys. Your wallet. Your funds. No intermediary holding your revenue hostage.

In 2026, after multiple exchange collapses, self-custody isn't a feature. It's a requirement.

Merchant Benefits Beyond Fees

Cost savings matter. But operational efficiency multiplies their value.

Master/Sub-Wallet Architecture

Running multiple locations? Franchise network? E-commerce plus brick-and-mortar?

Larecoin's master/sub-wallet system lets you:

• Track revenue by location

• Maintain unified reporting

• Control fund flows centrally

• Grant limited access to managers

One dashboard. Complete visibility.

QR-Generated POS

No expensive hardware. No monthly terminal fees. No proprietary equipment lock-in.

Generate a QR code. Customer scans. Payment complete.

Works on any device with a screen. Your existing tablet. Your phone. A printed poster if you want.

Setup time? Minutes, not days.

Compliance: The Trust Factor

Crypto payments mean nothing if regulators shut you down.

Here's where many competitors fall short. Vague jurisdictional claims. Unclear licensing. Operational risk for merchants.

Larecoin's Compliance Framework

• Federal MSB Registration: Money Services Business registration at the federal level

• State-Level MTL Coverage: Money Transmitter Licenses across U.S. states

• Ongoing Regulatory Engagement: Proactive compliance, not reactive scrambling

MTL compliance isn't just paperwork. It's your protection against regulatory action that could freeze your funds or shut down your payment processing.

When choosing a crypto POS provider, ask one question: "Show me your licenses."

The Future: Metaverse Shopping

Fee savings solve today's problem. But what about tomorrow's opportunity?

Larecoin's roadmap includes something competitors aren't even attempting: social shopping in the B2B2C metaverse.

VR/AR Commerce Is Coming

Virtual storefronts. Immersive product experiences. Social shopping with friends across continents.

The infrastructure you choose today determines whether you're ready for this shift.

Larecoin's architecture supports:

• VR/AR payment integration

• Social commerce features

• Cross-platform identity

• Seamless fiat-to-crypto-to-metaverse transactions

Building for the future while solving present problems. That's the strategy.

The Verdict: Which Actually Delivers 50% Fee Savings?

Against traditional card processors:

• NOWPayments: 70-85% savings

• CoinPayments: 70-85% savings

• Larecoin: 85-95% savings

Against other crypto POS solutions:

• NOWPayments vs CoinPayments: Roughly equal

• Larecoin vs Both: 50%+ additional savings

The gas-only model changes the math entirely.

Add self-custody. Add NFT receipts. Add LUSD stability. Add MTL compliance.

The comparison becomes less about fees and more about which platform positions your business for the next decade.

Make the Switch

Running $500K+ in annual transactions? Every month you wait costs you money.

• Evaluate your current processing costs

• Calculate your potential savings

• Explore the Larecoin merchant portal

The crypto POS market has matured. The differentiators are clear.

Gas-only transfers. Self-custody. NFT receipts. LUSD stability. Full compliance.

One platform delivers all five.

Your move.