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Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Cuts Your Fees in Half?


Welcome back to the Larecoin 10-Year Blog Marathon.

Today we're getting real about fees. The kind that silently drain your revenue every single transaction.

You've heard the promises. "Accept crypto." "Save on processing." "Go borderless."

But which platform actually delivers?

Let's break down three major players: NOWPayments, CoinPayments, and Larecoin. No fluff. Just facts.

The Fee Problem Nobody Talks About

Traditional card processing hits merchants hard.

We're talking 2-4% per transaction. Interchange fees. Assessment fees. Processor markups.

Process $5 million annually? That's $100,000-$200,000 gone. Every. Single. Year.

Crypto payment solutions promise relief. But the devil's in the details.

Larecoin Crypto Payments Ecosystem

NOWPayments: The Quick Breakdown

The Good:

  • 0.5% fee for payments without currency exchange

  • 1% for multi-currency and conversion payments

  • Volume discounts available (0.45% at 50+ BTC monthly turnover)

  • Supports 300+ cryptocurrencies

The Not-So-Good:

  • Network fees charged separately

  • Fees vary based on blockchain congestion

  • No native stablecoin integration

  • Custodial model means they hold your funds

For a typical merchant, NOWPayments cuts costs from roughly 2.5% to 0.75% on average. That's a 70% reduction. Solid.

But here's the catch: you're still relying on a third party to hold and process your money.

CoinPayments: What You're Actually Getting

The Good:

  • 0.5-1% processing fee

  • Established since 2013

  • Supports multiple coins

The Not-So-Good:

  • Processing speeds range from minutes to hours

  • No customizable network fee options

  • Limited compliance framework for US merchants

  • Custodial wallet system

CoinPayments delivers similar fee savings. But speed and control? That's where things get murky.

When a customer pays and you're waiting hours for settlement, that's friction. Friction costs money.

Illustration of cryptocurrency coins draining through an hourglass, symbolizing hidden payment processing fees for merchants.

Larecoin: Built Different

Here's where the game changes.

Larecoin isn't just another crypto payment processor. It's a complete Web3 payments ecosystem designed for merchants who want:

  • Significantly lower fees than both NOWPayments and CoinPayments

  • Full self-custody of funds

  • NFT receipts for every transaction

  • LUSD stablecoin integration for predictable settlements

  • US regulatory compliance baked in

Let's unpack each.

Self-Custody: Your Money, Your Control

This is the big one.

With NOWPayments and CoinPayments, your funds sit in their wallets. Their infrastructure. Their rules.

What happens if they get hacked? Go offline? Face regulatory action?

You're exposed.

Larecoin's model is fundamentally different.

Direct merchant-to-customer transactions. No middleman holding your funds. You receive payments directly to your own wallet.

This isn't just philosophical. It's practical risk management.

Self-custody means:

  • No counterparty risk

  • Instant access to your funds

  • Complete transaction transparency

  • True financial sovereignty

Larecoin decentralized applications

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Watch it drop 10% tomorrow. That's not a payment solution. That's gambling.

Larecoin's native LUSD stablecoin solves this.

How it works:

  • Customer pays in any supported crypto

  • Settlement happens in LUSD

  • Value stays stable

  • No surprise losses overnight

But it gets better.

LUSD reduces settlement fees because it's native to the Larecoin ecosystem. No external stablecoin bridges. No extra conversion costs.

For merchants processing $5 million annually, this difference translates to $50,000+ in additional savings.

That's real money back in your pocket.

NFT Receipts: More Than a Gimmick

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

For merchants:

  • Immutable proof of every sale

  • Simplified accounting and auditing

  • Automatic compliance documentation

  • Marketing opportunities through collectible receipts

For customers:

  • Verifiable purchase history

  • Warranty and return proof on-chain

  • Loyalty program integration

  • True ownership of transaction records

Neither NOWPayments nor CoinPayments offer anything like this.

It's not just innovation for innovation's sake. NFT receipts create tangible value for both sides of every transaction.

Two hands exchanging a glowing digital wallet and cryptocurrency, representing direct peer-to-peer Web3 crypto transactions.

US Compliance: The Hidden Dealbreaker

Here's something most crypto payment articles won't tell you.

Compliance matters. Especially in the United States.

Operating as a money transmitter without proper licensing? That's federal crime territory.

Larecoin's approach:

  • Registered as a Money Services Business (MSB)

  • Active state Money Transmitter License (MTL) strategy

  • Built-in KYC/AML frameworks

  • Designed for US regulatory reality

NOWPayments is based in the Netherlands. CoinPayments operates from Canada.

For US merchants, this creates uncertainty. What happens when regulators come knocking? Who's responsible for compliance?

With Larecoin, that question is already answered.

You get a platform built from the ground up for the US regulatory environment. No guesswork. No surprises.

The Real Fee Comparison

Let's put numbers on the table.

Feature

NOWPayments

CoinPayments

Larecoin

Base Fee

0.5-1%

0.5-1%

Significantly Lower

Network Fees

Separate

Included

Optimized

Self-Custody

No

No

Yes

Stablecoin Native

No

No

Yes (LUSD)

NFT Receipts

No

No

Yes

US MSB Registered

No

No

Yes

Processing Speed

Variable

Minutes-Hours

Fast

The fee percentage only tells part of the story.

When you factor in:

  • Eliminated counterparty risk

  • LUSD settlement savings

  • NFT receipt value

  • Compliance peace of mind

Larecoin's total cost of ownership drops dramatically below competitors.

Astronaut with Larecoin Token

Who Should Use What?

Choose NOWPayments if:

  • You're outside the US

  • You need quick integration

  • You're okay with custodial solutions

Choose CoinPayments if:

  • You prioritize established track record

  • Processing speed isn't critical

  • You don't need US compliance

Choose Larecoin if:

  • You want maximum fee savings

  • Self-custody is non-negotiable

  • You operate in the US or serve US customers

  • You want NFT receipts and LUSD stability

  • You're building for the long term

The Bottom Line

Every platform claims to cut fees.

But cutting fees in half isn't just about the percentage on the receipt.

It's about:

  • What you control (self-custody vs. custodial)

  • What you risk (compliance exposure)

  • What you gain (NFT receipts, LUSD stability)

NOWPayments and CoinPayments are solid options for basic crypto acceptance.

Larecoin is for merchants who want more.

More savings. More control. More innovation. More compliance certainty.

That's the difference between accepting crypto and building a Web3 payment infrastructure that actually works.

Ready to Cut Your Fees For Real?

The Larecoin ecosystem is live and growing.

Explore the full platform at larecoin.com.

Want to dive deeper into fee reduction strategies? Check out our guide on how to reduce merchant interchange fees by 50%.

Or compare directly:

Your fees won't cut themselves.

Let's make it happen.

 
 
 

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