Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Slashes Your Fees?

Traditional payment processors are eating your profits alive.

Visa. Mastercard. American Express. They're all charging you 2-4% on every single transaction. That's thousands of dollars vanishing from your bottom line every month.

Crypto payment solutions promise an escape. But not all of them deliver.

Let's break down three major players: Larecoin, CoinPayments, and NOWPayments. Which one actually slashes your fees by 50% or more?

Spoiler: Only one gives you true financial sovereignty.

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The Interchange Fee Crisis

Merchants lost over $160 billion to interchange fees last year.

That's not a typo.

Every swipe, tap, or online checkout bleeds your revenue. Traditional processors justify these fees with fraud protection and network maintenance. But let's be honest, the technology exists to do this cheaper.

Much cheaper.

Web3 payment systems cut out the middlemen. Direct wallet-to-wallet transfers. No card networks taking their cut. No banks processing delays.

But here's the catch: not every crypto POS delivers equal value.

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Meet The Contenders

NOWPayments

Solid entry-level option. Been around since 2019.

The fee structure:

• 0.5% service fee for single-currency payments

• 1% service fee for multi-currency conversions

• 0% deposit fees

• 0% withdrawal fees

• Free POS deployment

Not bad. Definitely beats Visa's 2.5% average. But there's a problem: they hold your crypto. Custodial wallets mean you're trusting a third party with your funds.

Sound familiar? That's basically the same trust model as traditional banks.

CoinPayments

One of the oldest players. Launched in 2013.

What they offer:

• 0.5% transaction fee (standard)

• Supports 2,000+ cryptocurrencies

• Shopping cart plugins available

• Multi-coin wallet included

Again, custodial. Your funds sit on their platform. You're dependent on their uptime, their security, and their policies.

Remember the crypto exchange collapses of 2022? Custodial solutions carry that same counterparty risk.

Larecoin

The Web3-native solution built for merchant independence.

The difference:

• Sub-0.5% processing fees

• Self-custody from day one

• LUSD stablecoin integration

• NFT receipt technology

• Gas-only transfers

This isn't just lower fees. It's a completely different architecture.

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The Fee Breakdown: Real Numbers

Let's do the math on a $100,000 monthly sales volume.

Platform	Fee Rate	Monthly Cost	Annual Cost
Traditional Card	2.5%	$2,500	$30,000
NOWPayments	0.5-1%	$500-$1,000	$6,000-$12,000
CoinPayments	0.5%	$500	$6,000
Larecoin	<0.5%	<$500	<$6,000

Every platform beats traditional interchange. That's the baseline.

But Larecoin's architecture enables even lower operational costs. Gas-only transfers mean you're paying blockchain network fees, not platform fees on top of network fees.

The difference compounds. Over five years, we're talking tens of thousands in savings.

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Why Self-Custody Changes Everything

Here's where Larecoin separates from the pack.

NOWPayments and CoinPayments both use custodial models. Your crypto goes to their wallets first. Then you withdraw it.

What could go wrong?

• Platform hacks (happens constantly)

• Regulatory freezes (ask anyone in Canada circa 2022)

• Company insolvency (FTX, Celsius, Voyager...)

• Arbitrary policy changes (your funds, their rules)

Self-custody eliminates all of this.

With Larecoin, payments flow directly to your wallet. No intermediary. No permission required. No withdrawal delays.

Your keys. Your crypto. Your business.

This isn't just ideology. It's risk management. Every day your funds sit on someone else's platform is another day of counterparty exposure.

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LUSD: The Stablecoin Advantage

Volatility kills merchant adoption.

Accept Bitcoin today. Worth 10% less tomorrow. That's not sustainable for businesses running on thin margins.

Larecoin's LUSD stablecoin solves this.

How it works:

• Pegged to USD value

• Instant settlement

• No conversion fees from fiat

• Seamless integration with Larecoin POS

Accept crypto. Keep stable value. No volatility headaches.

NOWPayments offers auto-conversion to stablecoins, but at that 1% fee tier. CoinPayments has similar options with additional conversion costs.

LUSD is native to the Larecoin ecosystem. No extra fees. No friction.

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NFT Receipts: Beyond Just Lower Fees

This is where things get interesting.

Traditional receipts are paper or PDFs. They get lost. They're hard to organize. They're basically useless for building customer relationships.

Larecoin's NFT receipts transform every transaction into a digital asset.

What NFT receipts enable:

• Permanent, verifiable proof of purchase

• Built-in warranty tracking

• Loyalty program integration

• Automated returns processing

• Customer engagement opportunities

Every purchase becomes a connection point. A loyalty token. A piece of your brand that lives in your customer's wallet.

Neither NOWPayments nor CoinPayments offer anything like this.

They process payments. That's it.

Larecoin builds relationships.

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The Integration Factor

How easy is setup?

NOWPayments:

• API integration required

• Multiple e-commerce plugins

• Decent documentation

• Support via email/chat

CoinPayments:

• Shopping cart plugins for major platforms

• API available

• Established integration ecosystem

• Community support forums

Larecoin:

• Contactless POS ready

• Merchant portal access

• Smart wallet integration

• Full ecosystem connectivity

The Larecoin difference? Everything connects. POS terminals. Online checkout. Mobile payments. NFT minting. Loyalty programs. One platform. One integration. Done.

Check out the full ecosystem at larecoin.com.

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The Hidden Costs Nobody Talks About

Fee percentages look great on landing pages. But what about the stuff they don't advertise?

With custodial platforms, you're paying:

• Withdrawal fees (often hidden)

• Conversion spreads (the real margin killer)

• Time delays (opportunity cost)

• Compliance overhead (their KYC, your data)

With Larecoin:

• Pay network gas fees only

• Direct wallet settlement

• No withdrawal process (it's already yours)

• Privacy-respecting architecture

When you calculate true cost of ownership, the gap widens further.

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Who Wins?

Let's be direct.

Choose NOWPayments if:

• You want a simple, established solution

• You don't mind custodial control

• Multi-currency flexibility is priority

Choose CoinPayments if:

• You need maximum cryptocurrency variety

• You're comfortable with older infrastructure

• Custodial risk doesn't concern you

Choose Larecoin if:

• Fee reduction over 50% matters

• Self-custody is non-negotiable

• You want NFT receipts and LUSD stability

• Building customer relationships through Web3 is your goal

• True financial sovereignty drives your business decisions

For merchants serious about owning their financial future, there's really only one answer.

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The Bottom Line

Crypto payment processing has matured beyond simple fee arbitrage.

Yes, you'll save money with any of these platforms versus traditional card networks. That's table stakes in 2026.

But saving money while giving up custody? That's trading one form of dependency for another.

Larecoin delivers the full package:

• Lowest effective fees

• Self-custody architecture

• LUSD stablecoin stability

• NFT receipt innovation

• Complete merchant sovereignty

Your business deserves more than just lower fees.

It deserves freedom.

Ready to see the difference? Explore the ecosystem at larecoin.com/crypto and take control of your payments today.

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This post is part of Larecoin's 10-year blog marathon, documenting the journey toward merchant financial sovereignty. Stay tuned for more comparisons, tutorials, and Web3 payment insights.