Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Is Better For Your Business?

Welcome back to the Larecoin 10-Year Blog Marathon.

Today's topic? The ultimate showdown.

Three crypto payment processors. One winner for your business.

You're here because traditional payment processors are eating your margins alive. 2.5-3.5% per transaction adds up fast. Crypto payments promise relief. But which platform actually delivers?

Let's break it down.

The Big Three: Quick Overview

NOWPayments , The established player. Supports 300+ cryptocurrencies. Been around the block.

CoinPayments , The veteran. Long-standing reputation. Custodial approach.

Larecoin , The Web3-native disruptor. Gas-only fees. Full self-custody. NFT receipts.

Each has its place. But one stands out for businesses serious about the future.

Fee Comparison: Where Your Money Actually Goes

Let's talk numbers. Real numbers.

Traditional processors: 2.5-3.5% per transaction. On $500,000 annual volume? That's $12,500-$17,500 gone.

NOWPayments: 0.5-1% processing fee. Same volume = ~$3,750 annually. Better. Not great.

CoinPayments: 0.5%+ processing fee. Similar ballpark to NOWPayments.

Larecoin: Gas-only transfers. Estimated under $2,000 on that same $500,000 volume.

Do the math.

Larecoin saves you 50%+ compared to other crypto processors. Over 80% compared to traditional payment rails.

That's not marginal improvement. That's transformation.

Custody: Who Controls Your Money?

This matters more than most businesses realize.

CoinPayments operates custodially. They hold your funds. You trust them to release it.

NOWPayments offers mixed options. Some custodial, some not. Operational balances sit with them before transfer.

Larecoin is full self-custody. Period.

Funds hit your Smart Wallet immediately. No intermediary holding your revenue. No permission needed to access your own money.

In crypto, there's a saying: "Not your keys, not your coins."

With Larecoin, your keys. Your coins. Always.

Transaction Speed: Time Is Money

Waiting for settlement? That's so 2019.

CoinPayments: Minutes to hours. Variable speeds depending on network congestion.

NOWPayments: Approximately 5 minutes average. Acceptable for most use cases.

Larecoin: Near-instant settlement. Sub-second finality on Solana.

Your customer pays. You receive. Done.

No waiting. No wondering. No reconciliation headaches at end of day.

Setup and Integration: From Zero to Live

How fast can you start accepting crypto?

CoinPayments: API integration required. Developer resources needed. Some consider integrations outdated.

NOWPayments: Similar technical complexity. Expect to involve your dev team.

Larecoin: QR-based system. No specialized hardware. Operational in minutes.

Literally minutes.

Generate a QR code. Customer scans. Payment complete. That simple.

No lengthy onboarding. No complex API documentation. No developer invoices piling up.

The LUSD Advantage: Stability Meets Innovation

Here's where Larecoin pulls ahead significantly.

NOWPayments relies on third-party stablecoins. Not native to their ecosystem.

CoinPayments offers limited stablecoin support.

Larecoin features LUSD , a native stablecoin built directly into the ecosystem.

Why does this matter?

Volatility protection built-in. No external dependencies. Seamless conversion. Lower friction for customers and merchants alike.

LUSD is designed specifically for commerce. Not as an afterthought. As a core feature.

NFT Receipts: Immutable Proof On-Chain

This is where things get interesting.

Neither NOWPayments nor CoinPayments offer NFT receipts.

Larecoin does.

Every transaction can generate an immutable on-chain receipt. Permanent. Verifiable. Impossible to falsify.

Think about what this means:

• Accounting? Bulletproof.

• Disputes? Resolved with on-chain proof.

• Tax documentation? Crystal clear.

• Customer loyalty? Enhanced with collectible receipts.

NFT receipts aren't a gimmick. They're the future of commercial documentation.

US Compliance: Playing By The Rules

Operating in the United States? Compliance isn't optional.

Many crypto payment processors dance around regulatory requirements. Larecoin doesn't.

Larecoin pursues rigorous US compliance through:

• MSB (Money Services Business) registration at the federal level

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

This isn't lip service. It's infrastructure for long-term operation.

When regulations tighten , and they will , you want a payment partner already compliant. Not scrambling to catch up.

Feature-by-Feature Comparison

Feature	NOWPayments	CoinPayments	Larecoin
Processing Fees	0.5-1%	0.5%+	Gas-only
Self-Custody	Partial	Limited	Full
Settlement Speed	~5 minutes	Variable	Sub-second
Native Stablecoin	No	Limited	Yes (LUSD)
NFT Receipts	No	No	Yes
Hardware Required	Yes	Yes	No
Setup Time	Days-Weeks	Days-Weeks	Minutes
US Compliance Focus	Standard	Standard	MSB + MTL Strategy

The pattern is clear.

Real-World Scenario: $500K Annual Volume

Let's run the numbers for a business doing $500,000 in crypto transactions annually.

Traditional processor (3%): $15,000 in fees

NOWPayments (0.75% average): $3,750 in fees

CoinPayments (0.5%): $2,500 in fees

Larecoin (gas-only): Under $2,000 in fees

Annual savings with Larecoin vs traditional: $13,000+

Annual savings vs other crypto processors: $500-$1,750

That's real money. Your money. Staying in your business.

Why Solana? Why Now?

Larecoin builds on Solana for good reason.

• Speed: 400ms block times. Sub-second finality.

• Cost: Fractions of a cent per transaction.

• Scalability: 65,000+ transactions per second theoretical throughput.

This isn't about hype. It's about infrastructure that actually supports commercial transaction volumes.

When your business processes thousands of transactions, the underlying blockchain matters. Solana delivers.

The Verdict: Which Should You Choose?

Choose NOWPayments if:

• You need 300+ cryptocurrency support immediately

• You're comfortable with partial custody

• Fee reduction from traditional processing is your only goal

Choose CoinPayments if:

• You prefer established, long-standing providers

• Custodial solutions don't concern you

• You have development resources for integration

Choose Larecoin if:

• Maximum fee savings matter to your bottom line

• Self-custody of funds is non-negotiable

• Web3-native features like NFT receipts appeal to you

• Near-instant settlement is important

• US regulatory compliance matters for your operation

• You want setup in minutes, not weeks

For businesses thinking long-term, the choice is clear.

Larecoin isn't just another payment processor. It's payment infrastructure built for the Web3 era.

Ready to Make the Switch?

Stop paying unnecessary fees. Stop waiting for settlements. Stop trusting intermediaries with your revenue.

Check out Larecoin merchants to see how businesses like yours are already benefiting.

Or dive deeper into the technical architecture via the Lareblocks Whitepaper.

The future of business payments is here.

It's Web3-native. It's self-custody. It's gas-only fees.

It's Larecoin.

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Part of the Larecoin 10-Year Blog Marathon. More comparisons, insights, and innovations coming soon.