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

Let's cut to the chase.

You're bleeding money on payment processing fees. Traditional credit card processors take 2.5-3.5% of every transaction. Crypto was supposed to fix this.

But did it?

Most crypto payment gateways still charge fees that eat into your margins. Some promise savings. Few deliver.

Today, we're breaking down three major players: Larecoin, CoinPayments, and NOWPayments. Only one actually delivers that 50%+ fee reduction merchants desperately need.

Let's find out which one.

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The Fee Problem Nobody Talks About

Traditional interchange fees are killing small businesses. Period.

Every swipe. Every tap. Every online checkout. Money disappears.

Crypto payment solutions entered the market with a promise: lower fees, faster settlements, no middlemen.

But here's the dirty secret. Many crypto POS systems replicate the same fee structures they claimed to eliminate. Different technology. Same profit extraction.

Smart merchants ask one question: What percentage of my revenue am I actually keeping?

The answer varies wildly depending on your payment processor.

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CoinPayments: The Legacy Option

CoinPayments has been around since 2013. Longevity matters. Experience counts.

The Good:

• Supports 2,000+ cryptocurrencies

• Established reputation

• Shopping cart plugins available

• 0% payout fees

The Not-So-Good:

• 0.5% fee on BTC/ETH transactions

• 1% fee on tokens and stablecoins

• No custom network fee options

• Custodial model (they hold your keys)

That 0.5-1% sounds low compared to credit cards. But compound it across thousands of transactions. The math hurts.

More importantly: custodial wallets mean you don't control your funds.

Someone else holds your keys. Someone else decides when you access your money.

That's not Web3. That's Web2 with extra steps.

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NOWPayments: The Flexible Alternative

NOWPayments launched in 2019. Newer. Hungrier. More features.

The Good:

• 0.5% for mono-currency transactions

• Customizable network fee options

• Mass payouts available

• Auto-conversion features

• 0% payout fees

The Not-So-Good:

• 1% for multi-currency transactions

• Still largely custodial

• Limited self-custody options

• Network fees can add up

NOWPayments offers more flexibility. Their customizable network fee structure helps larger merchants optimize costs.

But that 0.5-1% baseline? Still there. Still eating your margins.

And self-custody? Still an afterthought.

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Larecoin: Built Different From Day One

Here's where things get interesting.

Larecoin wasn't built to compete with legacy crypto payment processors. It was built to replace them entirely.

The Larecoin Difference:

• 50%+ interchange fee reduction compared to traditional processors

• Self-custody by default , your keys, your crypto, always

• NFT receipts for every transaction

• LUSD stablecoin integration for price stability

• Gas-only transfers , minimal fees, maximum value retention

• Contactless POS ready for real-world retail

The fee math is simple. Traditional processors charge 2.5-3.5%. Larecoin's gas-only model slashes that dramatically.

50%+ savings isn't marketing fluff. It's basic arithmetic.

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NFT Receipts: More Than a Gimmick

Every Larecoin transaction generates an NFT receipt.

Why does this matter?

For Merchants:

• Immutable proof of every sale

• Automated accounting integration

• Dispute resolution simplified

• Customer loyalty tracking on-chain

For Customers:

• Permanent purchase history

• Warranty documentation built-in

• Returns and exchanges streamlined

• Collectible purchase memories

Traditional receipts fade. Email receipts get lost. Paper receipts end up in landfills.

NFT receipts live forever on-chain. Verifiable. Accessible. Functional.

This isn't adding complexity. It's eliminating friction.

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LUSD: Stability in a Volatile Market

Crypto volatility scares merchants. Rightfully so.

Accept $100 in Bitcoin at 2pm. Worth $95 by 5pm. That's not a payment solution. That's a gamble.

Larecoin's LUSD stablecoin solves this.

LUSD Benefits:

• Price-stable transactions

• Instant settlement

• No conversion anxiety

• Predictable accounting

• Real-time exchange capabilities

Merchants receive exactly what they expect. Customers pay exactly what they owe.

No surprises. No spreadsheet nightmares. No volatility headaches.

CoinPayments and NOWPayments offer auto-conversion features. But those conversions come with fees. Hidden costs. Slippage.

LUSD keeps value where it belongs: in your pocket.

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Self-Custody: The Feature That Changes Everything

Here's the uncomfortable truth about most crypto payment processors.

They're centralized.

Your funds sit in their wallets. Your access depends on their systems. Your financial sovereignty? Non-existent.

We've seen what happens when centralized crypto platforms fail. Frozen withdrawals. Bankruptcy proceedings. Customer funds vanishing.

Larecoin operates differently.

Self-custody isn't an upgrade tier. It's the foundation.

Your keys. Your wallet. Your funds. Always accessible. Always yours.

This is what Web3 payments actually look like:

• No permission needed to access your money

• No withdrawal limits set by third parties

• No account freezes during "review periods"

• No counterparty risk from platform insolvency

CoinPayments? Custodial. NOWPayments? Mostly custodial.

Larecoin? Self-custody native.

Financial sovereignty isn't a buzzword here. It's the product.

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The Comparison Nobody Wanted (But Everyone Needs)

Feature	CoinPayments	NOWPayments	Larecoin
Processing Fee	0.5-1%	0.5-1%	Gas-only
Fee Reduction vs Traditional	~70%	~70%	50%+
Self-Custody	No	Limited	Yes
NFT Receipts	No	No	Yes
Stablecoin Integration	Basic	Basic	LUSD Native
Contactless POS	Limited	Limited	Full Support
Payout Fees	0%	0%	0%

The numbers don't lie.

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Who Should Use What?

CoinPayments works for:

• Merchants comfortable with custodial solutions

• Businesses needing maximum coin support

• Legacy integrations requiring established plugins

NOWPayments works for:

• Merchants wanting fee customization

• Businesses with high-volume multi-currency needs

• Those willing to accept partial custody trade-offs

Larecoin works for:

• Merchants demanding maximum fee reduction

• Businesses prioritizing self-custody

• Forward-thinking brands embracing NFT receipts

• Anyone serious about Web3 payments

The choice depends on priorities.

If fees and financial sovereignty top your list? The answer is obvious.

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The Bottom Line

Most crypto payment processors offer marginal improvements over traditional systems. Lower fees. Faster settlements. More currency options.

Larecoin offers a fundamental shift.

Self-custody as default. NFT receipts as standard. LUSD for stability. Gas-only fees for maximum savings.

This isn't incremental improvement. It's category redefinition.

50%+ fee reduction isn't a future promise. It's happening now for merchants building on Larecoin.

The question isn't whether crypto payments will dominate. They will.

The question is: which infrastructure will you choose?

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Ready to slash your interchange fees and own your financial future?

Explore the Larecoin ecosystem at larecoin.com

Your margins will thank you.