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

Interchange fees are eating your margins alive.

You already know this. Every swipe. Every tap. 2.5% to 3.5% gone. Poof. Straight to the card networks and processors.

Run the math on $500K in annual sales. That's $12,500 to $17,500 vanishing into thin air. Every. Single. Year.

Crypto payment processors promise relief. But which one actually delivers? Which one cuts those fees in half, or better?

Today we're breaking down three major players: Larecoin, NOWPayments, and CoinPayments. No fluff. Just the numbers and features that matter.

Let's get into it.

The Interchange Fee Problem Nobody Talks About

Traditional payment processors have had merchants in a chokehold for decades.

Visa and Mastercard set the rules. Processors take their cut. Banks get their slice. You're left holding the bag.

Small businesses get hit hardest. Tight margins. High volume. Every percentage point matters.

Crypto POS systems entered the chat. The promise? Blockchain-native transactions. Peer-to-peer efficiency. Fraction of the cost.

But not all crypto payment solutions are created equal.

NOWPayments: The 0.5% Contender

NOWPayments has been around. Solid reputation in the space.

The Good:

• Non-custodial options available

• 300+ cryptocurrency support

• ~5 minute processing speed

• 0.5% to 1% processing fees

The Not-So-Good:

• Fees still stack up at volume

• Limited POS integration options

• No native stablecoin ecosystem

• Standard receipt systems

For a business processing $100K monthly, you're looking at $500 to $1,000 in monthly fees. Better than traditional processors? Absolutely. But we can do better.

NOWPayments works for businesses testing the crypto waters. It's entry-level. Safe. But not optimized for serious merchants looking to maximize savings.

CoinPayments: The Legacy Player

CoinPayments has been in the game since 2013. That's ancient in crypto years.

The Good:

• 0.5% flat rate

• 40+ cryptocurrencies supported

• Established track record

• Merchant plugins available

The Not-So-Good:

• Custodial model (they hold your funds)

• Slower innovation cycle

• Limited Web3 features

• No self-custody smart wallet

The custodial model is the dealbreaker here. Your crypto. Their wallets. Their rules.

In a space built on decentralization and self-sovereignty, handing over custody feels like going backwards. Plus, custodial services add counterparty risk. Exchange hacks. Regulatory seizures. Unexpected freezes.

CoinPayments works. It's reliable. But it's not pushing the industry forward.

Larecoin: Gas-Only Transfers Change Everything

Here's where things get interesting.

Larecoin flips the script entirely. No percentage-based fees. Just gas costs for blockchain transactions.

The Numbers:

Metric	Traditional	NOWPayments	CoinPayments	Larecoin
Fee Structure	2.5-3.5%	0.5-1%	0.5%	Gas-only
Annual Cost ($500K volume)	$12,500-$17,500	$3,750-$5,000	$2,500	Under $2,000
Custody	Third-party	Flexible	Custodial	Self-custody
Native Stablecoin	No	No	No	LUSD

That's a 50%+ reduction compared to traditional processors. And significant savings over other crypto solutions.

For a business doing $100K monthly, switching to Larecoin saves $2,500 to $3,500 yearly compared to traditional processing. Scale that up and the savings compound fast.

Self-Custody: Your Keys, Your Crypto

This matters more than most merchants realize.

Larecoin's smart wallet puts you in complete control. Your private keys. Your funds. No middleman holding your crypto hostage.

What does this mean practically?

• Instant access to funds 24/7

• No withdrawal delays or holds

• Protection from exchange failures

• True ownership of your assets

The 2022 crypto winter taught everyone a painful lesson. Custodial platforms can: and do: fail. FTX. Celsius. BlockFi. The list goes on.

Self-custody isn't just a feature. It's insurance.

LUSD: The Stablecoin Advantage

Volatility kills merchant adoption. Nobody wants to accept Bitcoin if it drops 10% before they can convert.

LUSD solves this.

Larecoin's native stablecoin provides price stability while maintaining the benefits of blockchain transactions. Accept payments in LUSD. Hold in LUSD. Transfer in LUSD.

No more scrambling to convert to fiat before prices move. No more sleepless nights watching charts.

LUSD integrates directly into Larecoin's POS system. Seamless. Automatic. Built-in.

Other platforms require third-party stablecoin integrations. Extra steps. Extra fees. Extra complexity.

LUSD is native. That's the difference.

NFT Receipts: Proof That Actually Means Something

Paper receipts fade. Digital receipts get lost in email folders.

NFT receipts? Permanent. Verifiable. On-chain forever.

Every transaction through Larecoin generates an NFT receipt. This creates:

• Immutable proof of purchase

• Simplified accounting and auditing

• Enhanced customer trust

• Unique collectible opportunities

For merchants, NFT receipts mean bulletproof record-keeping. No disputes about what was purchased or when.

For customers, it's a novel experience. Something tangible (digitally speaking) that lives in their wallet.

Smart merchants are already leveraging NFT receipts for loyalty programs. Tiered rewards. Exclusive access. Community building.

It's receipts reimagined for Web3.

US Compliance: Built for the American Market

Let's address the elephant in the room.

Operating crypto payment services in the US is complicated. Regulatory scrutiny. State-by-state requirements. Constant enforcement actions.

Many crypto payment processors avoid the US entirely. Or operate in legal gray zones.

Larecoin takes a different approach.

Money Services Business (MSB) registration with FinCEN. Proper AML/KYC frameworks. State Money Transmitter License (MTL) strategy for comprehensive coverage.

This isn't about checking boxes. It's about building sustainable infrastructure that won't get shut down tomorrow.

For US merchants, this matters enormously. Accepting payments through non-compliant platforms creates liability. Potential legal exposure. Bank account closures. Headaches you don't need.

Larecoin's compliance-first approach protects merchants. Peace of mind included.

The Contactless POS Experience

Hardware matters.

Larecoin's contactless POS system integrates everything we've discussed into a single, elegant solution.

• Tap-to-pay functionality

• Real-time LUSD conversion

• Automatic NFT receipt generation

• Direct smart wallet integration

No clunky workarounds. No "almost works" situations. Just smooth, modern checkout experiences that customers actually enjoy.

The merchant portal provides full visibility into transactions, analytics, and fund management. Everything in one place.

Making the Switch

Transitioning from traditional payment processing to crypto isn't as scary as it sounds.

Larecoin offers parallel operation. Run both systems simultaneously while you get comfortable. Test with a segment of transactions. Scale up when ready.

The learning curve is minimal. If your staff can use a smartphone, they can use Larecoin's POS.

Implementation support. Training resources. Active community.

Visit larecoin.com to explore the full ecosystem. Dive deeper in the Larecoin Community for real merchant experiences and tips.

The Bottom Line

NOWPayments and CoinPayments serve their purpose. They've helped push crypto adoption forward. Respect.

But for merchants serious about maximizing savings, maintaining custody, and future-proofing their payment infrastructure? Larecoin delivers.

Gas-only transfers. LUSD stability. NFT receipts. Self-custody smart wallets. US regulatory compliance.

The complete package.

That 50%+ fee reduction compared to traditional processors isn't marketing hype. It's math. Run the numbers yourself.

Your margins will thank you.

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Part of the Larecoin 10-Year Blog Marathon. Follow along as we explore why Larecoin is building the future of Web3 payments.