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

Welcome back to the Larecoin 10-Year Blog Marathon.

Today we're getting into the numbers. The real numbers.

If you're a merchant looking at crypto payment processors, you've probably stumbled across NOWPayments and CoinPayments. Both solid platforms. Both have been around the block.

But here's the thing.

Neither of them actually cuts your fees in half. Not really.

Let's break it down.

The Fee Reality Check

Traditional credit card processors hit you with 2.5-3.5% per transaction. That's the baseline. The standard pain point every merchant knows too well.

NOWPayments and CoinPayments both charge 0.5-1% processing fees. Decent improvement. Both offer 0% payout fees, which is nice.

But here's where it gets interesting.

Larecoin operates on a gas-only transfer model.

No percentage-based fees. No hidden cuts. Just network fees.

For a business processing $500,000 annually:

• Traditional processors: ~$15,000 in fees

• NOWPayments/CoinPayments: ~$5,000 in fees

• Larecoin: Under $2,000 in costs

That's real money. Real savings. Real impact on your bottom line.

The Self-Custody Question

This is where most merchants don't realize they're getting played.

NOWPayments offers self-custody. CoinPayments offers... partial custody. You read that right. Partial.

What does partial custody mean? It means someone else holds your keys for some portion of time. Someone else controls your funds. Someone else decides when you can access your money.

Larecoin's Smart Wallet delivers full self-custody from transaction to settlement.

Your keys. Your crypto. Your control.

No intermediary holding periods. No custody risk. No "oops, we got hacked and your funds are gone" scenarios.

This isn't just a feature. It's foundational.

NFT Receipts: The Feature Nobody Else Has

Here's something neither NOWPayments nor CoinPayments can offer you.

NFT receipts.

Every transaction on Larecoin can generate a verifiable, immutable receipt as an NFT. Why does this matter?

• Instant proof of purchase

• Permanent audit trail

• Customer loyalty integration

• Secondary market potential for exclusive purchases

• Zero paperwork headaches

Your accountant will thank you. Your customers will love it. Your business gets a verifiable transaction history that lives on-chain forever.

NOWPayments? No NFT receipts.

CoinPayments? No NFT receipts.

This is Web3 native functionality. Not a bolt-on afterthought.

The LUSD Advantage

Stablecoins matter. A lot.

Both NOWPayments and CoinPayments rely on third-party stablecoin integrations. That means extra steps. Extra fees. Extra complexity.

Larecoin built LUSD as a native stablecoin within the ecosystem.

Here's what that means for you:

• No conversion delays

• No third-party risk

• Seamless settlement

• Dollar-pegged stability without leaving the ecosystem

When a customer pays in volatile crypto, instant conversion to LUSD keeps your books clean. No surprises. No late-night price crashes eating your margins.

Built on Solana. Near-instant finality. Minimal gas costs.

Processing Speed Comparison

Time is money. Literally.

Platform	Average Processing Speed
NOWPayments	~5 minutes
CoinPayments	Minutes to hours
Larecoin	Near-instant (Solana-based)

CoinPayments can take hours in some cases. Hours. In 2026.

Larecoin leverages Solana's infrastructure for sub-second finality. Your customer taps. You get paid. Done.

No waiting. No confirmation anxiety. No "is this transaction going to clear?" moments.

US Compliance: The Elephant in the Room

Let's talk about something most crypto payment processors dance around.

Regulatory compliance.

Larecoin is pursuing a rigorous MSB (Money Services Business) registration and state-by-state MTL (Money Transmitter License) strategy across the United States.

Why does this matter?

Because operating in a regulatory gray zone isn't a business strategy. It's a ticking time bomb.

NOWPayments and CoinPayments both operate. But their US compliance posture? Varies. Changes. Depends on who you ask.

Larecoin's approach:

• Federal MSB registration

• State MTL acquisition strategy

• Proactive compliance infrastructure

• Built for longevity, not just launch

You want a payment processor that'll be around in 5 years. 10 years. Not one that might get a cease-and-desist letter next quarter.

The Complete Feature Breakdown

Feature	NOWPayments	CoinPayments	Larecoin
Processing fees	0.5-1%	0.5-1%	Gas-only
Self-custody	Yes	Partial	Full (Smart Wallet)
Stablecoin	Third-party	Third-party	Native LUSD
Speed	~5 minutes	Minutes-hours	Near-instant
NFT receipts	No	No	Yes
US compliance focus	Limited	Limited	MSB + MTL strategy

Who Should Use What?

NOWPayments works if you:

• Need basic crypto acceptance

• Don't mind percentage-based fees

• Want decent multi-coin support

• Can wait 5 minutes per transaction

CoinPayments works if you:

• Have been using it for years

• Don't need instant settlement

• Are comfortable with partial custody

• Aren't worried about US regulatory shifts

Larecoin is built for merchants who:

• Want maximum fee savings

• Demand full self-custody

• Need instant settlement

• Value US compliance assurance

• Want Web3-native features like NFT receipts

• Plan to accept payments in the metaverse

The Bottom Line

Both NOWPayments and CoinPayments have their place. They've served the crypto payment space for years.

But "good enough" isn't cutting it anymore.

Merchants need:

• Lower fees (gas-only beats percentage-based every time)

• Full custody (your money, your control)

• Speed (near-instant, not "maybe in an hour")

• Compliance (built for regulation, not running from it)

• Innovation (NFT receipts, native stablecoins, metaverse-ready)

Larecoin delivers all of it.

This isn't about bashing the competition. NOWPayments and CoinPayments do what they do. But if you're asking which crypto POS system actually cuts your fees in half while giving you more control, more features, and more peace of mind?

The answer is clear.

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Ready to see the difference?

Check out our detailed comparison posts:

• NOWPayments vs Larecoin: Which Web3 Payment Solution Actually Slashes Your Fees?

• CoinPayments vs Larecoin: Which Solution Actually Slashes Your Interchange Fees?

Or dive into how to reduce your merchant interchange fees by 50% while keeping full custody.

The future of payments is here. Explore Larecoin.