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

The Fee Problem Nobody Talks About

Your crypto payment processor is eating your margins.

Most merchants don't realize they're losing 1-2% on every transaction. Plus network fees. Plus conversion costs. Plus custody fees if you want to actually control your funds.

It adds up fast.

NOWPayments charges 0.5-1% per transaction. CoinPayments hits you with similar rates plus additional fees for withdrawals and conversions. Both lock your funds in their custody.

Time to run the numbers.

Breaking Down The Real Costs

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NOWPayments Fee Structure:

• 0.5% for same-currency payments

• 1% when conversion happens

• Variable network fees on top

• No control over your funds

• Additional fees for withdrawals

CoinPayments Fee Structure:

• 0.5% transaction fee

• Withdrawal fees per coin

• Conversion fees between crypto

• Custodial model only

• Hidden costs in exchange rates

Larecoin Fee Structure:

• Gas-only transfers (no platform fees)

• Self-custody from day one

• NFT receipts included

• LUSD stablecoin option at zero premium

• Full US regulatory compliance

The difference? Larecoin eliminates platform fees entirely.

Why Gas-Only Matters

Every payment processor charges a cut. It's their business model.

Larecoin flips this completely.

Gas-only transfers mean you pay blockchain fees directly. No middleman. No percentage taken from your sales. No withdrawal fees when you want to move your money.

On a $10,000 monthly volume:

• NOWPayments: $50-100 in fees

• CoinPayments: $50+ in fees plus withdrawal costs

• Larecoin: $5-15 in gas fees only

That's 80-90% fee reduction.

For merchants doing $100K monthly? You save thousands.

The Self-Custody Advantage

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NOWPayments and CoinPayments hold your funds. You trust them to release your money when you want it.

That's not your money. It's their database entry saying you own money.

Larecoin gives you full self-custody through Web3 wallets. Your keys. Your coins. Your control.

No waiting periods. No withdrawal limits. No account freezes. No "we need to verify something" delays.

Your money hits your wallet the moment a customer pays.

This isn't just philosophical. It's practical. Self-custody means:

• Instant access to your funds

• No counterparty risk

• No custody fees

• True ownership

NFT Receipts Change Everything

Here's something NOWPayments and CoinPayments can't do: NFT receipts.

Every Larecoin transaction generates an NFT receipt. Permanent. Immutable. On-chain.

Why this matters:

• Proof of purchase forever

• No receipt printer needed

• Customer loyalty tracking built-in

• Resale royalties for high-value items

• Marketing opportunities through NFT drops

Imagine a coffee shop where every purchase generates an NFT. Collect 10 coffee NFTs, get one free. The loyalty program runs itself on-chain.

Or a boutique where receipts become collectibles. Limited edition NFT receipts for special releases.

Traditional payment processors can't touch this.

LUSD: The Stablecoin Nobody's Talking About

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Volatility kills crypto adoption. Merchants need predictable revenue.

Most solutions force you to convert to fiat immediately. You pay conversion fees. You lose crypto exposure.

Larecoin offers LUSD (Larecoin USD) as a built-in stablecoin option. Accept payments in volatile crypto. Settle in LUSD. Zero conversion premium.

The LUSD advantage:

• 1:1 USD peg stability

• No conversion fees

• Stay in crypto ecosystem

• Move to fiat when YOU decide

• Avoid instant conversion pressure

NOWPayments charges 1% for multi-currency transactions. LUSD conversion? Free.

CoinPayments hits you with spread costs on conversions. LUSD? Zero spread.

US Compliance Without The Drama

Crypto regulation is messy. Most processors play loose with compliance.

Larecoin takes the opposite approach.

MSB Registration Strategy: We're pursuing Money Services Business registration at the federal level. Full FinCEN compliance. Proper AML/KYC frameworks.

State MTL Licensing: Money Transmitter Licenses state-by-state. Yes, it's expensive. Yes, it's slow. Yes, it's necessary.

Why This Matters:

• Your business stays compliant

• No surprise shutdowns

• Bank-friendly operations

• Institutional trust

• Long-term viability

NOWPayments operates from the Netherlands. CoinPayments from Canada. Both dodge US regulatory complexity.

Larecoin embraces it.

For US merchants, this is massive. You're not gambling on regulatory arbitrage. You're building on a compliant foundation.

The Real 50% Fee Calculation

Let's be precise about savings.

Scenario: $50,000 Monthly Volume

NOWPayments:

• $50K × 0.5% = $250 transaction fees

• $50 average network fees

• $25 withdrawal fees

• Total: $325/month = $3,900/year

CoinPayments:

• $50K × 0.5% = $250 transaction fees

• $75 network + conversion fees

• $40 withdrawal fees

• Total: $365/month = $4,380/year

Larecoin:

• $0 transaction fees

• $75 gas fees (you pay directly)

• $0 withdrawal fees (self-custody)

• Total: $75/month = $900/year

Savings vs NOWPayments: 77% reduction Savings vs CoinPayments: 79% reduction

The 50% claim? Conservative.

What You Actually Get With Larecoin

Strip away the marketing. Here's what's real:

For Small Merchants:

• Contactless POS system

• Smart wallet integration

• Zero platform fees

• NFT loyalty programs

• Self-custody control

For Medium Businesses:

• Merchant portal dashboard

• Multi-location support

• LUSD settlement option

• On-chain analytics

• API integration

For Enterprise:

• Custom deployment options

• Liquidity pool access

• DAO governance participation

• White-label solutions

• Dedicated compliance support

All built on Solana for speed. All self-custody. All compliant.

The Ecosystem Play

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Larecoin isn't just a payment processor. It's a full ecosystem.

Connected Services:

• DEX for instant swaps

• Liquidity pools for yield

• FX calibration tools

• Social spaces for community

• NFT marketplace integration

• Layer 1 blockchain development

Accept payments. Earn yield on idle funds. Trade between coins. All in one ecosystem.

NOWPayments and CoinPayments? They process payments. That's it.

Who This Works For

Not every business needs Larecoin.

Perfect fit:

• Crypto-native businesses

• High-volume merchants tired of fees

• Companies wanting customer data ownership

• Brands building Web3 presence

• US-based operations needing compliance

Not ideal for:

• Businesses needing instant fiat conversion

• Operations without crypto knowledge

• Merchants avoiding blockchain entirely

Be honest about where you are.

Getting Started Is Simple

No complex integration. No lengthy onboarding.

1. Set up Larecoin wallet

2. Connect POS system

3. Start accepting payments

4. Monitor through merchant portal

Gas fees paid in LARE token. NFT receipts automatic. Self-custody immediate.

The platform handles complexity. You handle your business.

The Compliance Timeline

Regulatory approval takes time. We're transparent about this.

MSB registration: In progress State MTL licenses: Rolling applications Target compliance: Q3 2026

We operate legally while pursuing full licensing. No shortcuts. No gray areas.

For merchants, this means peace of mind. You're building on solid ground.

Why Now Matters

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Crypto payments hit mainstream in 2024-2025. The infrastructure race is on.

Early adopters lock in advantages:

• Lower token costs for gas fees

• Priority merchant features

• Governance rights in DAO

• Community building opportunities

NOWPayments and CoinPayments are established. They're not innovating.

Larecoin is building what comes next.

The Real Question

Can you afford to keep losing 1% on every transaction?

For a business doing $500K annually in crypto payments:

• Traditional processors: $5,000 in fees

• Larecoin: $600 in gas fees

That's $4,400 back in your pocket.

Every year.

The math is simple. The choice is yours.

Learn more about Larecoin's merchant solutions at larecoin.com.

Join The Conversation

Questions about fee structures? Curious about implementation?

Connect with the Larecoin community through our forum and global collaborations hub.

Real merchants. Real experiences. Real savings.

The future of crypto payments doesn't charge platform fees.

Welcome to Larecoin.