Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Saves You More on Fees?

Fees eat profits. Simple as that.

Every percentage point your crypto payment processor takes is money walking out the door. And if you're running a business doing serious volume, those "small" fees add up to something painful.

So let's break it down. Larecoin vs CoinPayments vs NOWPayments. Which one actually keeps more money in your pocket?

Spoiler: The answer might surprise you.

The Fee Problem Nobody Talks About

Here's the thing about traditional crypto payment processors. They operate as intermediaries. Your customer pays. The processor holds the funds. Takes their cut. Then sends you what's left.

Sound familiar? It should. That's basically the same model as legacy payment rails. Just with crypto slapped on top.

The whole point of Web3 was cutting out the middleman. So why are most crypto POS systems still charging you like one?

Breaking Down the Numbers

Let's get specific.

NOWPayments Fee Structure:

• 0.5% for standard payments (no conversion)

• 1% for multi-currency or fixed-rate payments

• 1.5-2.3% when converting to fiat

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

CoinPayments Fee Structure:

• 0.5-1% processing fees

• Additional fees for conversions and withdrawals

• Variable rates depending on coin selection

Larecoin Fee Structure:

• Gas-only transfers

• No percentage-based processing fees

• Direct merchant-to-customer transactions

Read that last part again. Gas-only transfers.

No 0.5%. No 1%. Just the network gas fee to move the transaction on-chain.

What Does Gas-Only Actually Mean?

With Larecoin, you're not paying a middleman to process your payment. The transaction happens directly between your customer and your wallet. Full self-custody from the start.

The only cost? The blockchain network fee to execute the transaction. On efficient networks, we're talking pennies. Not percentages.

Let's do the math on $5 million in annual volume:

Processor	Fee Rate	Annual Cost
NOWPayments	0.5-1%	$25,000-$50,000
CoinPayments	0.5-1%	$25,000-$50,000
Larecoin	Gas-only	~$500-2,000

That's $50,000+ in recovered revenue. Every single year.

Money that stays in your business instead of padding someone else's balance sheet.

Self-Custody: The Game Changer

Here's where it gets interesting.

Both NOWPayments and CoinPayments operate as custodial intermediaries. Your funds flow through their systems. They hold. They process. They distribute.

Larecoin flips that model entirely.

Full self-custody from transaction one. Your customer pays. Funds hit your wallet directly. No middleman touching your money. No waiting for settlement. No counterparty risk.

This isn't just about fees. It's about control.

When you use a custodial processor, you're trusting them with your revenue. If they have issues, technical problems, regulatory challenges, whatever, your money is stuck in their system.

Self-custody eliminates that risk entirely. Your keys. Your crypto. Your business.

LUSD: Zero Volatility, Zero Stress

Crypto volatility kills merchant adoption. We get it.

You accept $100 in BTC. By the time you convert it, market moves. Now it's $95. Or $90. That unpredictability makes accounting a nightmare.

Larecoin's answer: LUSD.

LUSD is Larecoin's native stablecoin. Pegged to the dollar. Zero volatility. Accept payments and know exactly what you're getting.

Key LUSD Benefits:

• Dollar-pegged stability

• Instant settlement

• No conversion fees

• Seamless integration with Larecoin POS

Your customer wants to pay in volatile crypto? Fine. Larecoin handles the swap to LUSD automatically. You receive stable value. They pay how they want.

Best of both worlds.

NFT Receipts: Receipts That Actually Do Something

Standard receipts are paper. Or PDFs collecting dust in email folders.

Larecoin NFT receipts are different.

Every transaction generates a verifiable on-chain receipt as an NFT. Immutable proof of purchase. Forever stored on the blockchain.

Why this matters:

• Permanent transaction records

• Proof of purchase for warranties and returns

• Potential for loyalty program integration

• Customer engagement through collectible receipts

Imagine turning every receipt into a potential loyalty reward. A collectible. A proof of membership in your brand ecosystem.

That's what NFT receipts enable. And no, NOWPayments and CoinPayments don't offer anything close.

US Compliance: Built for the Real World

Let's talk about the elephant in the room. Regulation.

Most crypto payment processors operate in regulatory gray areas. Or they're headquartered offshore. Which works until it doesn't.

Larecoin takes a different approach.

Larecoin's US Compliance Strategy:

• Registered Money Services Business (MSB)

• State-by-state Money Transmitter License (MTL) strategy

• Built for long-term regulatory certainty

This isn't about checking boxes. It's about building infrastructure that lasts.

When regulations tighten: and they will: Larecoin merchants won't be scrambling. The compliance foundation is already there.

For US-based businesses, this matters. A lot.

Feature Comparison: The Full Picture

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fees	Gas-only	0.5-1%	0.5-1%
Self-Custody	✅ Yes	❌ No	❌ No
Stablecoin Integration	LUSD native	Third-party	Third-party
NFT Receipts	✅ Yes	❌ No	❌ No
US MSB Registration	✅ Yes	Limited	Limited
Fiat Conversion Fees	N/A	1.5-2.3%	Variable

The numbers speak for themselves.

Who Should Use What?

Choose NOWPayments if:

• You need simple integration with existing systems

• Volume discounts matter for your scale

• You're comfortable with custodial processing

Choose CoinPayments if:

• Multi-coin support is your priority

• You want a mature, established platform

• Fee percentages don't significantly impact your margins

Choose Larecoin if:

• You're serious about cutting processing costs

• Self-custody and control matter to your business

• You want future-proof compliance in the US market

• NFT receipts and LUSD stability interest you

The Bottom Line

Crypto payments should actually save you money. Not just shift where the fees go.

Larecoin's gas-only model, full self-custody, and LUSD integration deliver on that promise. Add NFT receipts and rigorous US compliance, and you've got a platform built for merchants who think long-term.

CoinPayments and NOWPayments are solid options. Established. Reliable. But they're still running the same intermediary playbook traditional payments use.

Larecoin is something different. True Web3 infrastructure. For businesses ready to actually own their payment stack.

Ready to stop paying percentage fees on every transaction?

Explore Larecoin's merchant solutions and see what gas-only processing can do for your bottom line.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we break down why Larecoin is building the ultimate Web3 payment solution.