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Larecoin Vs NOWPayments Vs CoinPayments: Which Crypto POS System Actually Cuts Your Fees in Half?


Traditional payment processors are bleeding merchants dry.

2.5% to 3.5% interchange fees. Every. Single. Transaction.

That's thousands of dollars walking out the door annually. Money that should stay in your pocket.

Crypto POS systems promise relief. But which one actually delivers?

Let's break down the three major players: NOWPayments, CoinPayments, and Larecoin.

Spoiler: Only one slashes your fees by 50%+ while giving you actual control of your funds.

The Fee Problem Nobody Talks About

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

Process $100,000 monthly through traditional rails? You're losing $2,500–$3,500 to Visa, Mastercard, and their friends.

That's $30,000–$42,000 annually. Gone.

Crypto payment gateways claim to fix this. Most charge around 0.5% base fees. Sounds great on paper.

But hidden costs lurk everywhere. Conversion fees. Network fees. Withdrawal fees. Custody risks.

Let's see who's actually transparent.

Larecoin Crypto Payments Ecosystem

NOWPayments: The Popular Choice

NOWPayments dominates the conversation. 300+ cryptocurrencies supported. Simple API integration.

The Good:

  • 0.5% transaction fee (base)

  • No monthly fees

  • Auto-conversion available

  • Decent documentation

The Bad:

  • Fees jump to 1% with multi-currency conversion

  • No native stablecoin ecosystem

  • Custodial by default

  • No NFT receipt functionality

  • Limited merchant analytics

NOWPayments works. It's reliable. But it's essentially a traditional payment processor wearing a crypto costume.

You're still trusting a third party with your revenue stream.

Still waiting for settlements.

Still playing by someone else's rules.

CoinPayments: The Veteran

CoinPayments has been around since 2013. Over 100,000 merchants. Battle-tested infrastructure.

The Good:

  • 0.5% transaction fee

  • 2,000+ coins supported

  • Established reputation

  • Multi-coin wallet built-in

The Bad:

  • Additional network fees on top of base rate

  • Complex fee structure

  • Custodial model

  • Outdated interface

  • No Web3-native features

  • Zero NFT integration

CoinPayments feels like 2017 crypto. Functional but stagnant.

No innovation. No self-custody options. No path toward true financial sovereignty.

Three digital payment terminals highlight the difference between legacy and modern crypto POS systems in a dark tech setting.

Larecoin: Built Different

Here's where things get interesting.

Larecoin isn't just another payment gateway. It's a complete Web3 payments ecosystem designed for merchants who want more than 0.5% savings.

Fee Structure:

  • Sub-0.5% transaction processing

  • Gas-only transfers on supported chains

  • No hidden conversion fees

  • LUSD stablecoin eliminates volatility costs

The Real Savings: When you factor in Larecoin's gas-only transfer model and LUSD integration, merchants see 50%+ fee reduction compared to traditional processors.

That $30,000 annual loss? Cut it to under $15,000. Often much less.

But fees aren't even the headline feature.

NFT Receipts: The Game Changer

This is where Larecoin leaves competitors in the dust.

Every transaction generates an NFT receipt. On-chain. Immutable. Verifiable.

Why This Matters:

For Merchants:

  • Automatic audit trail

  • Zero disputes over transaction validity

  • Customer loyalty tracking built-in

  • Marketing opportunities through collectible receipts

For Customers:

  • Proof of purchase that can't be lost

  • Potential rewards tied to receipt NFTs

  • Resale value for limited edition receipts

  • Genuine ownership verification

NOWPayments? No NFT receipts.

CoinPayments? No NFT receipts.

Larecoin owns this category.

Larecoin decentralized applications

LUSD Stablecoin: Volatility Solved

Here's the dirty secret about crypto payments.

Most merchants immediately convert to fiat. Why? Volatility fear.

Accept Bitcoin at $60,000. Settlement hits at $58,000. You just lost 3.3%, way more than traditional processor fees.

NOWPayments and CoinPayments offer auto-conversion. But that conversion has fees. And you're trusting their rates.

Larecoin's LUSD Advantage:

LUSD is Larecoin's native stablecoin. Pegged. Stable. Purpose-built for commerce.

  • Accept payment in any supported crypto

  • Instant conversion to LUSD

  • Zero volatility risk

  • Withdraw when you want

  • Your terms. Your timeline.

Merchants keep more. Period.

Self-Custody: The Non-Negotiable

Let's talk about the elephant in the room.

NOWPayments holds your funds.

CoinPayments holds your funds.

They're custodians. Banks with different branding.

What happens when they freeze accounts? When regulations shift? When their hot wallet gets compromised?

Your revenue becomes their problem.

Larecoin operates differently.

Self-custody is core architecture. Not an add-on. Not a premium feature.

Your funds flow directly to your wallet. Your keys. Your control.

This isn't paranoia. This is operational security.

Ask any merchant who got frozen by PayPal. Or locked out by Stripe.

Self-custody isn't optional in 2026. It's survival.

The Comparison Table

Feature

NOWPayments

CoinPayments

Larecoin

Base Fee

0.5%

0.5%

Sub-0.5%

Hidden Fees

Conversion (1%)

Network fees

None

Self-Custody

No

No

Yes

NFT Receipts

No

No

Yes

Native Stablecoin

No

No

LUSD

Gas-Only Transfers

No

No

Yes

Web3 Native

Partial

No

Full

Volatility Protection

Limited

Limited

Built-in

The numbers don't lie.

Real-World Impact

Let's run the scenario.

Monthly Processing Volume: $50,000

Traditional Processor (3%):

  • Fees: $1,500/month

  • Annual: $18,000

NOWPayments (0.5% + conversions):

  • Fees: ~$375/month (conservative)

  • Annual: ~$4,500

Larecoin (sub-0.5%, gas-only):

  • Fees: ~$150/month

  • Annual: ~$1,800

That's $16,200 saved versus traditional.

$2,700 saved versus NOWPayments.

Real money. Real impact.

Astronaut with Larecoin Token

Beyond Payments

Here's what separates infrastructure from innovation.

NOWPayments processes transactions.

CoinPayments processes transactions.

Larecoin builds ecosystems.

The Larecoin Stack:

  • Contactless POS terminal support

  • Merchant portal with advanced analytics

  • DAO governance participation

  • Liquidity pool access

  • Cross-chain swap and bridge

  • AI/ML-powered search

  • Social spaces integration

This isn't a payment processor. It's merchant infrastructure for the next decade.

Check out the full Larecoin ecosystem to see what's possible.

The Verdict

Choose NOWPayments if:

  • You want simple crypto acceptance

  • You're okay with custody trade-offs

  • Innovation isn't a priority

Choose CoinPayments if:

  • You need maximum coin variety

  • Legacy systems work fine

  • Web3 features don't matter

Choose Larecoin if:

  • You want real fee savings (50%+)

  • Self-custody is non-negotiable

  • NFT receipts add value

  • Volatility protection matters

  • You're building for the future

The smartest merchants aren't just switching to crypto payments.

They're switching to crypto payments that respect their sovereignty.

Larecoin delivers both.

Get Started

Ready to stop bleeding interchange fees?

Explore Larecoin and see how Web3 payments should work.

Your margins will thank you.

 
 
 

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