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

Interchange fees are killing your margins.

Every swipe. Every tap. Every transaction. Traditional payment processors take 2.5% to 3.5% off the top. For a business processing $500K annually, that's $15,000 vanishing into the pockets of middlemen.

Crypto POS systems promise relief. But not all solutions deliver equal savings. Some still operate like the old guard, just with different branding.

Let's break down the real numbers. Larecoin vs NOWPayments vs CoinPayments. Which one actually slashes your interchange fees? And which ones are just dressed-up intermediaries?

The Fee Problem Nobody Talks About

Here's the dirty secret of "crypto payments."

Most platforms still charge processing fees. They've just renamed them. Instead of "interchange," you get "service fees" and "conversion fees." Different label. Same hit to your bottom line.

NOWPayments charges 0.5% for single-currency transactions. Bump that to 1% for multi-currency. CoinPayments sits at a flat 0.5% processing fee, plus variable conversion and withdrawal fees depending on which crypto you're moving.

Better than Visa? Sure. Revolutionary? Not exactly.

Larecoin's Gas-Only Model: A Different Architecture

Larecoin flips the script entirely.

No processing fees. No percentage cuts. Just gas.

The gas-only transfer model means you pay network fees to move funds on-chain, and that's it. For businesses processing serious volume, the savings compound fast.

Annual processing at $500,000:

• Traditional processors: ~$15,000 (2.5-3.5%)

• NOWPayments/CoinPayments: ~$5,000 (0.5-1%)

• Larecoin: Under $2,000 (gas-only)

That's not a marginal improvement. That's 60%+ savings compared to other crypto solutions. And 85%+ savings versus legacy card networks.

The math works because Larecoin eliminates the middleman entirely.

Self-Custody vs. Intermediary Models

This is where architecture matters.

NOWPayments and CoinPayments function as intermediaries. They receive customer payments, hold your funds temporarily, process the transaction, then release money to your wallet. That custody window creates delays. It creates risk. And it justifies their fees.

Larecoin enables direct merchant-to-customer transactions. Full self-custody. Funds flow straight to your wallet without passing through a third party's infrastructure.

What this means practically:

• No settlement delays

• No platform-side custody risk

• No withdrawal queues

• Complete control over your revenue stream

For merchants who've been burned by payment processor holds or frozen accounts, self-custody isn't a feature. It's a requirement.

Transaction Speed Breakdown

Speed matters at the point of sale.

Nobody wants to watch a loading spinner while the line grows behind them.

NOWPayments: ~5 minutes average processing time. Workable for online checkout. Awkward for in-person retail.

CoinPayments: Variable, anywhere from minutes to hours depending on blockchain congestion and confirmation requirements. Unpredictable.

Larecoin: Sub-second finality on Solana. Near-instant processing. Tap, confirm, done.

The Solana integration isn't just a technical flex. It's the backbone of a POS system that actually works at checkout speed.

LUSD: The Stablecoin Advantage

Volatility kills crypto adoption at retail.

Accept Bitcoin at 10 AM. Price drops 8% by lunch. Your morning sale just got retroactively discounted.

Larecoin's native LUSD stablecoin solves this.

LUSD maintains dollar parity. Customers pay in a stable asset. Merchants receive a stable asset. No volatility exposure. No conversion scramble. No surprise losses.

NOWPayments and CoinPayments offer auto-conversion features, but conversion means additional fees and platform dependency. With LUSD, stability is native to the transaction itself.

For merchants, LUSD means:

• Predictable revenue

• Simplified accounting

• No currency hedging required

• Direct integration with Larecoin's ecosystem

It's crypto payments without the crypto casino vibes.

NFT Receipts: Immutable Transaction Records

Every transaction on Larecoin generates an NFT receipt.

This isn't a gimmick. It's infrastructure.

Traditional receipts disappear. Paper fades. Email gets deleted. Databases crash. When disputes arise, proving transaction history becomes a nightmare.

NFT receipts live on-chain permanently. Immutable. Timestamped. Verifiable by anyone. Disputable by no one.

Business benefits:

• Automated audit trails

• Simplified tax documentation

• Bulletproof dispute resolution

• Customer loyalty integration potential

NOWPayments and CoinPayments offer standard transaction logs. Larecoin offers cryptographic proof.

For businesses operating in regulated industries, or just those tired of chargeback headaches, NFT receipts represent a genuine operational upgrade.

US Compliance: The MSB and MTL Strategy

Here's where many crypto payment solutions stumble.

Operating legally in the United States requires serious regulatory infrastructure. Money Services Business (MSB) registration at the federal level. State-by-state Money Transmitter Licenses (MTL) for broader coverage.

Most offshore-focused platforms skip this work. They either avoid US merchants entirely or operate in regulatory gray zones.

Larecoin takes the rigorous path.

The MSB and state MTL compliance strategy means US-based businesses can adopt Larecoin without regulatory anxiety. No worrying about enforcement actions. No surprise platform shutdowns. No compliance nightmares passed downstream to merchants.

For US merchants specifically:

• Legitimate operational framework

• Banking relationship compatibility

• Reduced legal exposure

• Long-term platform stability

Compliance isn't glamorous. But it's the difference between a payment solution and a payment liability.

Feature Comparison at a Glance

Feature	Larecoin	NOWPayments	CoinPayments
Processing Fee	Gas-only	0.5-1%	0.5%+
Custody Model	Self-custody	Intermediary	Intermediary
Transaction Speed	Sub-second	~5 minutes	Variable
Native Stablecoin	LUSD	No	No
NFT Receipts	Yes	No	No
US Compliance	MSB + MTL	Limited	Limited

The numbers tell the story. But numbers don't capture the architectural difference.

NOWPayments and CoinPayments improved on traditional payments. Larecoin reimagined them.

The Bottom Line for Merchants

If you're processing significant volume, fee structure determines profitability.

At $500K annually, switching from traditional processors to Larecoin saves $13,000+. That's not marketing math. That's your actual margin improvement.

Beyond savings, self-custody changes your relationship with payment infrastructure. You're not renting access to your own revenue. You own it from the moment of transaction.

LUSD eliminates volatility risk. NFT receipts eliminate record-keeping headaches. US compliance eliminates regulatory uncertainty.

NOWPayments and CoinPayments work. They're legitimate solutions for merchants testing crypto acceptance.

Larecoin is what comes next. A complete Web3 payment ecosystem built for businesses serious about operational efficiency.

The crypto POS space is evolving fast. The question isn't whether to switch from legacy card networks. It's which crypto solution actually delivers on the promise.

Gas-only fees. Self-custody. Sub-second finality. Native stablecoin. Immutable receipts. Regulatory compliance.

That's the Larecoin difference.

---

Ready to see the numbers for your business? Explore the full Larecoin ecosystem at larecoin.com and calculate your actual savings.