Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Saves Small Businesses Money?

Small businesses bleed money on payment processing fees. Every. Single. Day.

Traditional processors take 2.5-3.5% off the top. That's $15,000 gone on $500K in annual sales. Vanished. No value added.

Crypto payment solutions promise relief. But which one actually delivers?

Let's break down the real numbers. Larecoin vs CoinPayments vs NOWPayments. No fluff. Just facts.

The Problem Every Small Business Owner Knows Too Well

You sell a $100 product. The customer pays. You get $96.50.

Where'd the rest go? Interchange fees. Processing fees. Gateway fees. The legacy payment stack takes its cut whether you like it or not.

Crypto payment processors entered the scene promising lower fees and faster settlements. CoinPayments and NOWPayments have been around for years. They work. But "working" isn't the same as "optimal."

Enter Larecoin. Built from scratch for the Web3 era. Different architecture. Different philosophy. Different results.

Meet The Contenders

CoinPayments One of the OGs. Launched in 2013. Supports 100+ cryptocurrencies. Custodial model. Fees hover around 0.5-1% per transaction.

NOWPayments Newer player. Clean API integration. Also custodial. Similar fee structure at 0.5-1%. Popular with e-commerce platforms.

Larecoin Self-custody architecture. Native LUSD stablecoin. NFT receipts. Gas-only fees. QR-based checkout. Built for merchants who want control.

Same industry. Wildly different approaches.

Fee Comparison: Where Your Money Actually Goes

Here's where it gets interesting.

Annual Processing Costs at $500,000 Revenue:

Processor	Fee Structure	Annual Cost
Traditional Cards	2.5-3.5%	~$15,000
NOWPayments	0.5-1%	~$5,000
CoinPayments	0.5-1%	~$5,000
Larecoin	Gas-only	Under $2,000

Read that last line again. Under $2,000.

That's not a typo. Larecoin's architecture eliminates percentage-based processing fees entirely. You pay network gas fees only. Nothing more.

Monthly Breakdown at $10,000 Volume:

• Traditional processors: ~$320

• NOWPayments/CoinPayments: ~$75-100

• Larecoin: Significantly lower

The savings compound. Fast.

For a small business doing $10K monthly, you're looking at roughly $2,500-$3,000 in annual savings compared to NOWPayments or CoinPayments. Compared to traditional processors? Over $3,500 back in your pocket.

That's real money. Marketing budget money. Inventory money. Growth money.

The Self-Custody Difference

This is the big one. Pay attention.

NOWPayments and CoinPayments operate as custodians. They receive your customer's payment. They hold your funds. Then they release them to you.

Your money sits in their wallet before it hits yours.

Larecoin flips this entirely.

Self-custody means funds go directly to your wallet. No middleman holding your revenue. No waiting for releases. No counterparty risk.

Near-instant settlement. Your sale, your wallet, your control.

Why does this matter? Ask anyone who's had funds frozen by a payment processor. Ask merchants who waited weeks for "account review" releases. Ask businesses that lost access to their own revenue because a third party decided to hold it.

Learn more about self-custody advantages for merchants

Self-custody isn't just a feature. It's financial sovereignty.

LUSD: The Stablecoin That Changes Everything

Volatility kills crypto adoption for merchants. You accept $100 in Bitcoin. By the time you convert it, it's $94. Or $107. The uncertainty is brutal for cash flow planning.

NOWPayments and CoinPayments offer third-party stablecoin options. USDT. USDC. They work. But they're bolted on. External dependencies.

Larecoin built LUSD directly into the ecosystem.

Native stablecoin integration means:

• Zero volatility on transactions

• Instant fiat conversion capability

• No third-party stablecoin risks

• Seamless settlement in a dollar-pegged asset

Your customer pays. You receive LUSD. Value locked. Simple.

No more checking prices before converting. No more timing the market on your own revenue. LUSD handles stability natively.

Explore the LUSD ecosystem

NFT Receipts: Innovation That Actually Matters

Here's something neither CoinPayments nor NOWPayments offer.

NFT receipts.

Every Larecoin transaction generates an immutable, on-chain receipt as an NFT. Tamper-proof. Permanent. Verifiable by anyone, forever.

Why should you care?

Accounting becomes bulletproof. Your transaction records exist on-chain. No lost receipts. No disputes about what was paid when. The blockchain is the audit trail.

Chargebacks get complicated for bad actors. Traditional payment disputes rely on he-said-she-said documentation. NFT receipts provide cryptographic proof of transaction completion.

Tax season gets easier. Every transaction, timestamped and recorded. Export. Submit. Done.

This isn't gimmicky Web3 branding. It's practical infrastructure that solves real business problems.

Read more about receivables tokens and merchant freedom

Compliance: The Unsexy Advantage

Crypto payment processors operate in a regulatory gray zone. Some embrace it. Others ignore it.

Larecoin takes compliance seriously.

Money Services Business (MSB) registration. Check.

State Money Transmitter License (MTL) strategy. In progress.

This matters more than most merchants realize. As regulations tighten, processors operating without proper licensing face shutdown risks. Your payment infrastructure disappearing overnight isn't theoretical: it's happened.

Building on a compliant foundation means long-term stability. Larecoin's US regulatory strategy positions merchants for sustainable operations, not regulatory whack-a-mole.

Setup & Integration: Getting Started

CoinPayments offers managed simplicity. NOWPayments typically requires API integration. Both have learning curves.

Larecoin uses QR-based checkout.

No hardware. No SDK integration. No developer required.

Generate QR code. Customer scans. Payment received. Done.

Works for brick-and-mortar. Works for e-commerce. Works for pop-up shops and farmers markets.

The barrier to accepting crypto payments drops to basically zero.

The Verdict: Which Actually Saves Money?

Let's be direct.

CoinPayments works. It's been around forever. But custodial architecture and percentage-based fees limit your upside.

NOWPayments works. Clean interface. Good API. Same custodial limitations. Same fee structure.

Larecoin changes the model entirely.

• Gas-only fees save thousands annually

• Self-custody eliminates counterparty risk

• LUSD removes volatility concerns

• NFT receipts solve accounting headaches

• QR checkout requires zero technical expertise

• US compliance strategy ensures longevity

For small businesses watching every dollar, the math isn't close.

Ready To Stop Bleeding Fees?

Every month you stick with legacy processors or custodial crypto solutions, money leaves your business unnecessarily.

Larecoin's 10-year blog marathon continues because this message matters: merchants deserve better infrastructure.

Lower fees. Full custody. Stable settlements. Immutable records. Regulatory compliance.

All in one platform.

Join the Larecoin Community

Explore the Full Larecoin Ecosystem

The future of merchant payments isn't about choosing the least bad option from legacy systems.

It's about building something better from the ground up.

Larecoin did exactly that.