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

Merchant fees are bleeding your business dry.

Every swipe. Every tap. Every transaction. Traditional payment processors take their cut: 2.5% to 3.5% on average. That's thousands of dollars vanishing from your bottom line every single month.

Crypto payment solutions promise relief. But here's the thing: not all crypto POS systems deliver equal value. Some just shuffle the problem around. Others genuinely slash your costs in half.

Let's break down the real differences between Larecoin, NOWPayments, and CoinPayments. No fluff. Just facts.

The Fee Problem Nobody Talks About

Traditional interchange fees crush small and medium businesses. Credit card processors have built empires on taking a percentage of every transaction you process.

Crypto was supposed to fix this.

And it can. But only if you choose the right platform.

NOWPayments and CoinPayments both charge 0.5% base transaction fees. That's better than Visa or Mastercard, sure. But is "better" good enough when you could have "best"?

Larecoin takes a different approach entirely.

NOWPayments: The Quick Breakdown

Fee Structure:

• 0.5% for crypto-to-crypto payments

• 1% when you need currency conversion

• Network fees on top (varies by blockchain congestion)

NOWPayments offers decent customization options. They support multiple cryptocurrencies. Fiat conversion is available if you need it.

But here's the catch: you're still paying that half-percent on every single transaction. Plus conversion fees. Plus network fees. It adds up fast.

The Custody Question: Your funds flow through their system. You're trusting a third party with your money. That's the old way of doing things: just with crypto paint on top.

CoinPayments: What You're Getting

Fee Structure:

• 0.5% commission on all incoming payments

• No hidden fees (they claim)

• Network fees still apply

CoinPayments positions itself as the largest crypto payment processor. They've got integrations with major e-commerce platforms. Solid track record.

Same story though. Half a percent might sound small until you calculate what that means at scale. Process $100,000 monthly? That's $500 gone. Every month. Forever.

The Custody Question: Same deal. Your crypto touches their wallets before it touches yours. That's a trust assumption many Web3 merchants shouldn't have to make.

Larecoin: Built Different

Here's where the comparison gets interesting.

Larecoin wasn't designed to be "another crypto payment processor." It was engineered from the ground up to solve the specific problems merchants face in 2026.

The 50%+ Fee Reduction

How does Larecoin actually cut fees in half or more?

Gas-only transfers. When you accept payments through the Larecoin ecosystem, you're not paying percentage-based fees on transaction value. You're paying minimal network costs. Period.

Process that same $100,000 monthly through Larecoin? You keep dramatically more of it.

The math is simple. The savings are real.

LUSD Stablecoin: Volatility Solved

Accepting Bitcoin or ETH is great: until the price drops 10% while you're sleeping.

Larecoin's LUSD stablecoin eliminates that headache completely. Customers pay in crypto. You receive stable value. No conversion fees eating into your margins. No exchange rate anxiety.

This isn't just convenience. It's protection for your revenue.

NFT Receipts: The Game Changer Nobody Expected

Here's something NOWPayments and CoinPayments simply don't offer: NFT receipts.

Every transaction generates a verifiable, on-chain receipt. What does that mean for your business?

• Bulletproof record-keeping. Audits become trivial.

• Customer trust. Buyers have cryptographic proof of purchase.

• Dispute resolution. No more he-said-she-said situations.

• Brand differentiation. You're not just accepting crypto: you're delivering a premium Web3 experience.

This is where payments are heading. Larecoin is already there.

Self-Custody: Why It Actually Matters

Let's talk about the elephant in the room.

When you use NOWPayments or CoinPayments, your funds pass through their custody. They control the keys. They could freeze your account. They could experience a security breach. They could face regulatory pressure in their jurisdiction.

Your money. Their control.

Larecoin operates on a self-custody model. Your keys. Your crypto. Your rules.

This isn't philosophical idealism. It's practical business protection.

In 2026, we've seen enough centralized platforms collapse, get hacked, or face sudden regulatory shutdowns. Smart merchants aren't taking that risk anymore.

Self-custody means:

• Immediate access to your funds

• Zero counterparty risk from your payment processor

• True financial sovereignty for your business

• Compliance flexibility in your jurisdiction

The Comparison Table

Feature	Larecoin	NOWPayments	CoinPayments
Base Transaction Fee	Gas-only	0.5%	0.5%
Conversion Fees	Minimal	1%	Varies
Self-Custody	✅ Yes	❌ No	❌ No
Stablecoin Integration	LUSD	Third-party	Third-party
NFT Receipts	✅ Yes	❌ No	❌ No
50%+ Fee Savings	✅ Yes	❌ No	❌ No

The differences aren't subtle. They're structural.

Real Impact on Merchant Growth

Let's project this forward.

A business processing $500,000 annually through traditional payment processors loses approximately $15,000 to fees.

Through NOWPayments or CoinPayments at 0.5%? That's $2,500.

Through Larecoin with gas-only transfers? Dramatically less.

Now multiply that savings across five years. Ten years. That's capital you could invest in inventory. Marketing. Staff. Expansion.

Fee savings compound. The platform you choose today determines your competitive position tomorrow.

Who Should Choose What?

Choose NOWPayments if:

• You need quick setup with minimal configuration

• You're okay with custody tradeoffs

• Fee optimization isn't your primary concern

Choose CoinPayments if:

• You need extensive e-commerce integrations

• You want an established processor with history

• You accept the standard 0.5% model

Choose Larecoin if:

• You want maximum fee reduction (50%+)

• Self-custody is non-negotiable

• You value NFT receipts for transparency

• You want stablecoin settlement without conversion fees

• You're building for Web3, not just using Web3 as a marketing term

The Bottom Line

NOWPayments and CoinPayments are serviceable options. They work. They're established. They charge the same 0.5%.

But "serviceable" isn't the goal. Growth is.

Larecoin delivers what the others promise but don't achieve: genuine fee reduction, true self-custody, and future-ready features like NFT receipts and native stablecoin integration.

The question isn't whether crypto payments make sense for your business. In 2026, they obviously do.

The question is whether you'll choose a platform that keeps you tethered to the old model: or one that actually delivers financial sovereignty.

Ready to Cut Your Fees in Half?

Stop leaving money on the table.

Explore the Larecoin ecosystem and see what real crypto payment infrastructure looks like.

Your margins will thank you.

---

Daniel Fainman | Fund Manager at Larecoin