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

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. Visa and Mastercard take their cut. Usually 2-3%. Sometimes more.

For high-volume merchants? That's thousands, sometimes hundreds of thousands, gone. Every single year.

Crypto POS systems promise a fix. But which one actually delivers?

Let's break down Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

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The Real Cost of Traditional Payment Processing

Here's the math that keeps merchants up at night.

$1 million in annual sales. Average interchange fee of 2.5%. That's $25,000 gone. Not to mention gateway fees. Chargebacks. PCI compliance costs.

Crypto payments eliminate interchange fees entirely. Peer-to-peer. No middleman banks taking a cut.

But here's the catch: most crypto payment processors still charge processing fees. Some charge conversion fees. Network fees. Withdrawal fees.

The question isn't whether crypto saves money. It's which platform saves the most.

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Meet the Contenders

NOWPayments

Popular choice. Supports 200+ cryptocurrencies. Simple API integration.

Fee structure:

• 0.5% for single-currency transactions

• 1% for multi-currency transactions

• Users typically cover network gas fees

Solid platform. But no self-custody. Your funds sit on their servers until withdrawal.

CoinPayments

Veteran player. Been around since 2013. Supports 2,000+ coins.

Fee structure:

• 0.5% for BTC and ETH

• 1% for tokens and stablecoins

• Users cover gas fees

Centralized custody model. Same story.

Larecoin

The new architecture. Built different from the ground up.

Fee structure:

• Gas-only transfers with LUSD stablecoin

• Zero processing fees on peer-to-peer transactions

• Self-custody from day one

That's the differentiator. Let's dig deeper.

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The 50% Fee Savings Breakdown

Traditional interchange: 2-3% per transaction.

NOWPayments: 0.5-1% processing + network fees.

CoinPayments: 0.5-1% processing + network fees.

Larecoin: Gas-only transfers.

Here's where Larecoin pulls ahead.

LUSD: The Stablecoin Advantage

LUSD is Larecoin's native stablecoin. Pegged 1:1 to USD. Built for commerce.

The magic? Gas-only transfers.

No percentage-based processing fees. Just the network gas cost, often pennies. On high-volume transactions, this compounds into massive savings.

$100,000 monthly volume example:

Platform	Fee Structure	Monthly Cost
Traditional POS	2.5% interchange	$2,500
NOWPayments	0.5-1% + gas	$500-1,000+
CoinPayments	0.5-1% + gas	$500-1,000+
Larecoin (LUSD)	Gas only	~$50-100

That's not 50% savings. That's 95%+ in many cases.

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Technical Advantages That Actually Matter

Self-Custody: Your Keys, Your Crypto

NOWPayments and CoinPayments hold your funds. Custodial model. You trust them with your money.

Larecoin? Self-custody from transaction one.

Master/sub-wallet architecture lets merchants control everything. Create sub-wallets for different locations. Different revenue streams. Different teams. All flowing to your master wallet.

You never lose control.

NFT Receipts: More Than a Gimmick

Every Larecoin transaction can generate an NFT receipt.

Why does this matter?

• Immutable proof of purchase. On-chain. Forever.

• Warranty tracking. Link product warranties to NFT receipts.

• Return verification. Instant validation. No receipt hunting.

• Loyalty integration. Turn receipts into collectible loyalty tokens.

This isn't just innovation for innovation's sake. It's operational efficiency baked into the blockchain.

QR-Generated POS

No expensive hardware. No terminal contracts. No monthly rental fees.

Generate a QR code. Customer scans. Transaction complete.

Works on any device. Tablet. Phone. Existing POS screen. Even printed signage for static payment amounts.

Deploy in minutes. Not weeks.

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Compliance: The Trust Factor

Here's where many crypto payment processors fall short. Regulatory gray areas. Unclear licensing. Merchants left exposed.

Larecoin's approach: full compliance first.

Federal MSB Registration

Larecoin operates as a registered Money Services Business at the federal level. FinCEN compliant. AML/KYC frameworks in place.

State-Level MTL Coverage

Money Transmitter Licenses across multiple U.S. states. Expanding coverage continuously.

MTL compliance means:

• Legal protection for merchants

• Legitimate banking relationships

• Reduced regulatory risk

• Customer confidence

When regulators come knocking, and they will, you want a payment partner that's already at the table.

NOWPayments operates primarily from the Netherlands. CoinPayments from Canada. Different regulatory frameworks. Different risk profiles for U.S. merchants.

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The Future: Metaverse Shopping

Crypto POS today. Metaverse commerce tomorrow.

Larecoin's B2B2C metaverse isn't just a roadmap bullet point. It's the destination.

Social Shopping Redefined

Imagine this:

Your customer browses your virtual storefront in VR. Picks up a product. Examines it in 3D. Their friend joins from across the country. They discuss. They decide. One tap. LUSD transfer. NFT receipt generated.

Product ships to their physical address.

That's not science fiction. That's the Larecoin metaverse shopping experience in development.

VR/AR Commerce Integration

• Virtual showrooms. Unlimited floor space. Zero rent.

• AR try-before-you-buy. Furniture in your room. Clothes on your avatar.

• Social proof in real-time. See what friends are buying. Get recommendations.

• Seamless checkout. Crypto-native payments. No friction.

Traditional payment rails weren't built for this. Crypto POS systems like Larecoin were.

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Platform Comparison: The Quick Reference

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fees	Gas only	0.5-1%	0.5-1%
Self-Custody	✅ Yes	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
Native Stablecoin	✅ LUSD	❌ No	❌ No
Master/Sub-Wallets	✅ Yes	Limited	Limited
QR POS Generation	✅ Yes	✅ Yes	✅ Yes
U.S. MTL Compliance	✅ Yes	❌ No	❌ No
Federal MSB	✅ Yes	❌ No	❌ No
Metaverse Ready	✅ Yes	❌ No	❌ No

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Who Should Use What?

NOWPayments works if:

• You need 200+ coin support

• Custodial is acceptable

• You're outside U.S. regulatory concerns

CoinPayments works if:

• Maximum coin variety matters most

• You're comfortable with legacy architecture

• Processing fees fit your margins

Larecoin wins if:

• Maximum fee savings is the priority

• Self-custody is non-negotiable

• U.S. compliance matters

• You're building for Web3 and metaverse commerce

• NFT receipts add value to your customer experience

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The Bottom Line

Interchange fees drain merchant profits. Traditional crypto POS solutions reduce those fees. Larecoin eliminates them.

Gas-only LUSD transfers. Self-custody architecture. NFT receipts. Full U.S. compliance. Metaverse-ready infrastructure.

50% fee reduction? That's the floor, not the ceiling.

Ready to see the difference in your margins?

Explore Larecoin's merchant solutions →